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90 episodes with Carruthers
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9 episodes with Carruthers
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5 episodes with Carruthers
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3 episodes with Carruthers
Imagine a world in which clothing wasn't superabundant – cheap, disposable, indestructible – but perishable, threadbare and chronically scarce. Eighty years ago, when World War II ended, a textile famine loomed. What would everyone wear as uniforms were discarded and soldiers returned home, Nazi camps were liberated, and millions of uprooted people struggled to subsist? In Making Do: Britons and the Refashioning of the Postwar World (Cambridge University Press, 2025), Dr. Susan L. Carruthers unpicks a familiar wartime motto, 'Make Do and Mend', to reveal how central fabric was to postwar Britain. Clothes and footwear supplied a currency with which some were rewarded, while others went without. Making Do moves from Britain's demob centres to liberated Belsen – from razed German cities to refugee camps and troopships – to uncover intimate ties between Britons and others bound together in new patterns of mutual need. Filled with original research and personal stories, Making Do illuminates how lives were refashioned after the most devastating war in human history. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history
Scientific Sense ® by Gill Eapen: Prof Peter Carruthers is Professor of Philosophy at the University of Maryland. His primary research interests include philosophy of mind, philosophy of psychology, and cognitive science.Please subscribe to this channel:https://www.youtube.com/c/ScientificSense?sub_confirmation=1
In this episode of 'Coffee Break', New York Times Bestselling author of Blacktop Wasteland, Razorblade Tears and All The Sinners Bleed, S.A. Cosby joins me to talk about his new book 'King of Ashes'.Whether you're already a devoted fan or discovering SA Cosby for the first time, this episode offers rare insights into the mind of a writer who continues to redefine contemporary crime fiction while never losing sight of the human heart beating beneath the darkness.King Of AshesA son returning home. A dangerous debt. Secrets about to ignite . . . and a family consumed by flames.Roman Carruthers left the smoke and fire of his family's crematory business behind in his hometown of Jefferson Run, Virginia. He is enjoying a life of shallow excess as a financial adviser in Atlanta until he gets a call from his sister, Neveah, telling him their father is in a coma after a hit-and-run accident. When Roman goes home, he learns the accident may not be what it seems. His brother, Dante, is deeply in debt to dangerous, ruthless criminals. And Roman is willing to do anything to protect his family. Anything.A financial whiz with a head for numbers and a talent for making his clients rich, Roman must use all his skills to try to save his family while dealing with a shadow that has haunted them all for twenty years: the disappearance of their mother when Roman and his siblings were teenagers. It's a mystery that Neveah, who has sacrificed so much of her life to hold her family together, is determined to solve once and for all.As fate and chance and heartache ignite their lives, the Carruthers family must pull together to survive or see their lives turn to ash. Because, as their father counseled them from birth, nothing lasts forever. Everything burns.Send us a textSupport the show"Enjoying 'The Conversation'? Support the podcast by buying me a cup of coffee ☕️! Every contribution helps keep the show going.https://ko-fi.com/nadinemathesonDon't forget to subscribe, download and review. You can purchase books by the authors featured in our conversations through my affiliate shop on Bookshop.org. By using this link, you'll be supporting independent bookstores, and I may earn a small commission at no additional cost to you. Follow Me:www.nadinematheson.com BlueSky: @nadinematheson.com Substack: @nadinematheson Instagram: @queennadsThreads: @nadinematheson Facebook: nadinemathesonbooksTikTok: @writer_nadinematheson
Returning guest and dear friend Lawrie Carruthers is back to recount the ultimate 80s experience - Billy Idol and Joan Jett. The took the stage. The sun shone. The rain fell. Lawrie and Barry have lived to tell the tale and we are all better for it.
In this interview, Nat Carruthers, Head of Product at Cactus, discusses the opportunities for better design in the health care space. Change is hard and it's easy "to be a nay-sayer", but Carruthers calls on core change agents at health care organizations to apply patience and dedication to find "quick wins" and build on them incrementally.A sizeable portion of the video looks at the different goals and challenges of health care organizations and fitness companies. Most patients visit their health care providers only once a year, or a few times a year. Keeping the patient engaged is a major concern. Health care organizations also face lots of rules and regulations.Learn more about Cactus: https://www.cactus.is/Health IT Community: https://www.healthcareittoday.com/
Register for the PAA Conference hereHello and welcome to this Presenter Introduction series of the Pilates Association Australia Podcast. I'm your host Bruce Hildebrand and I'm privileged to bring you this series in the lead-up to the biggest event on the Australian Pilates calendar — the 2025 PAA International Conference, taking place in Sydney this September.From September 12th to the 14th the Pilates world will gather under one roof for three incredible days of connection, education, inspiration—and movement. And as always, it's not just about the classes or the workshops—it's about the people.In this podcast series, we're shining a spotlight on the incredible presenters who will be leading sessions at the at the conference from across Australia around the world. These are the voices and minds shaping the future of Pilates, and we want you to get to know them before you step into the room with them in September.Across this series, you'll hear from master teachers, innovators, educators, researchers, and movement pioneers. We'll be sitting down with each of them to explore the themes they'll be presenting, what's lighting them up about the industry right now, and why they believe this year's conference is going to be a turning point for the Pilates community in Australia.Whether you're a studio owner, a new graduate, a teacher trainer, a passionate practitioner, this series is your chance to meet the people behind the program—to understand the “why” behind their work, and to feel more connected to the experience that's waiting for you this September.So consider this your official invitation to step inside the stories and ideas that will be unfolding across the conference weekend. It's more than just a teaser—it's a warm-up for your mind, your practice, and your professional growth.If you haven't already registered for the conference, you'll find all the details at pilates.org.au. And be sure to follow along as we release each new interview—we've got some incredible conversations! This is a moment come together to reconnect, to be inspired and to remember what makes Pilates such a powerful and enduring force Let's get started with this episode's conversation. This episode introduces Rob Carruthers who will be presenting the workshop: “ Bottom Up or Top Down?“PAA Course Competency Criteria standardsVisit the PAA website Find us on Facebook Join the PAA Member Forum (Members only)Find us on InstagramEmail us at support@pilates.org.au
To celebrate our milestone 300th episode, we are honoured to re-host Dr Jean Carruthers (Opthalmologist from Toronto, Canada) & Dr Michael Kane (Plastic Surgeon from New York, USA). This episode is divided into Part 1 and Part 2. Part 2 is available to listen to for FREE by signing up to our Patreon as a 'free member': READ THIS GUIDE TO JOIN OUR PATREON AS A FREE MEMBER We've been priviledged to have hosted both of our guests on the podcast previously (episodes 120 and 190) and these rank in the top five of our most listened to episodes ever. These two legendary pioneers helped discover and evolve the science of botulinum toxin treatments and facial aesthetics as a speciality. Jean and Michael's experience is unparalleled having both worked on the advisory boards and research teams from every major pharma company over the past 40 years. So we go on a deep dive to learn where we've come from, where we're currently at and where we might be going in the world of aesthetics. 01:48 Celebrating 300 Episodes 03:18 Special Guests: Dr. Jean Caruthers and Michael Kane 03:01 The Origins and Development of Toxins 04:55 Exploring the Hall Strain and Toxin Subtypes 07:14 Early Experiments and Discoveries 07:15 Early Trials and Challenges 13:01 Pioneering Techniques and Complications 22:51 Long-Term Effects of Muscle Relaxation 23:45 Exploring Botulinum Toxin B 28:32 Training and Techniques for New Injectors 35:22 Consultation and Patient Interaction 44:22 Beyond Wrinkles: Emotional Wellness SUBSCRIBE TO OUR PATREON FOR EXCLUSIVE PODCASTS, WEEKLY EDUCATIONAL CONTENT & JOIN OUR WHATSAPP COMMUNITY CLICK HERE TO BROWSE OUR IA OFFERS FOR DISCOUNTS & SPECIALS CLICK HERE IF YOU'RE A BRAND OR COMPANY & WANT TO WORK WITH US CLICK HERE TO APPLY TO BE A GUEST ON OUR PODCAST CONTACT US
In this hilariously insightful episode of The Late Night Restaurant Podcast, Jay, Dom, and Beck welcome guest Scott Carruthers — a former chef turned restaurant bookkeeper and coach — who takes us on a wild ride from mustard-making in London, Ontario to modern-day financial strategy for hospitality businesses. Packed with gut-busting laughs, dad jokes, and real-talk on budgeting, waste, menu engineering, and the struggle of change in restaurants, this episode blends comedy with consulting gold. If you're in foodservice and not thinking about your break-even, you're already behind. Don't miss this perfect mix of roasting chefs (lovingly), roasting mustard seeds (literally), and roasting financial chaos into clarity.
In this hilariously insightful episode of The Late Night Restaurant Podcast, Jay, Dom, and Beck welcome guest Scott Carruthers — a former chef turned restaurant bookkeeper and coach — who takes us on a wild ride from mustard-making in London, Ontario to modern-day financial strategy for hospitality businesses. Packed with gut-busting laughs, dad jokes, and real-talk on budgeting, waste, menu engineering, and the struggle of change in restaurants, this episode blends comedy with consulting gold. If you're in foodservice and not thinking about your break-even, you're already behind. Don't miss this perfect mix of roasting chefs (lovingly), roasting mustard seeds (literally), and roasting financial chaos into clarity.
Scientific Sense ® by Gill Eapen: Prof Peter Carruthers is Professor of Philosophy at the University of Maryland. His primary research interests include philosophy of mind, philosophy of psychology, and cognitive science.Please subscribe to this channel:https://www.youtube.com/c/ScientificSense?sub_confirmation=1
On this week's Out Of Ten Podcast, it's all about METAL. With our streak of metal album reviews continuing, we decided to invite our resident metal expert Keegan to help us review “Goldstar” by Imperial Triumphant. We also get his thoughts on the albums from Deafheaven, Whitechapel and Spiritbox that we reviewed earlier this month, […] The post Episode 322 – Our Resident Metal Expert (feat. Keegan Carruthers) appeared first on Out Of Ten Podcast.
We consider your questions on:Hunter training- balance and moreChoice vs Structure in trainingListening to horsesReinforcers failingTechniques we stole from dog trainersX-species training
Trump is conducting an assault on any program that is good and helpful, and while we would like to talk about them all, we have to focus. Today, Suzanne Gordon and Russell Lemle of the Veterans Health Policy Institute join Bruce Carruthers of the Veterans for Peace Save Our VA (SOVA) working group to discuss trump and musk's assault on the VA and its impact not only on Veterans but on the US in general. After all, if they can hurt veterans and the VA, you know they are going to hurt YOU and Social Security, Medicare, Medicaid, and more.
In this Opportunity Spotlight episode, Christoph Clodius is joined by Adrienne Carruthers, Co-Chair of the Midwives Association of British Columbia (MABC). She shares how she advocates for midwives' access to proper health benefits, liability insurance, and training opportunities. Adrienne also explains MABC's work for indigenous midwives and their current search for a new executive director.
You may now him from being the co-creator behind Men In Black, but Sandy's portfolio far exceeds his credentials. Working on titles such as Captain Canuck, creator owned Canadiana, and a slew of other projects over the years, he is best known for being the creator behind Leap Frog and Century Man and co-founder of Sandstone Comics.Checkout Sandstone Comics using this link!Originally broadcast on March 10, 2025 on CHMR 93.5 FM in St. John's, and on other great stations across the country. Check out As Loved Our Fathers, the latest book from Write Project host Matthew LeDrew: https://amzn.to/3HB7BABIt's a hunt for the Holy Grail taken on by an American Anthropologist and a Newfoundland History professor that unveils hidden secrets within Newfoundland history! Support the showProduced and recorded at CHMR 93.5 FM in St. John's, Newfoundland. Listen on CHMR online at http://www.chmr.ca/This program is sponsored by:Engen Books: Checkout Engen titles at http://www.engenbooks.com/Or sign up for their newsletters at: The Write Project signup for FREE book: http://eepurl.com/c8W9OTEngen Horror Society Signup for FREE book: http://eepurl.com/c8YemrFantasy Files signup for FREE book: http://eepurl.com/c8X4zLEngen's Science-Fiction Newsletter for FREE book: http://eepurl.com/ir5JmgThis recording copyright © 2024 Matthew LeDrew
In this episode my friend and colleague Katrina Per-Carruthers unpick some training fails and discuss solutions that are horse centred.Mounting block problems, fence refusal and unwillingness to go forward were in our sights this time. If you have topics you'd like us to cover then do drop me a message.Katrina Per-Carruthers lives in British Columbia, Canada where she trains a variety of species. Katrina has been a coach for over 15 years and is a passionate advocate for the use of humane training methods to improve animal welfare.Find Katrina here:https://www.instagram.com/leviosaequinehttps://www.facebook.com/leviosaequinehttps://www.leviosaequine.com/
1.2 million British Columbians (and growing) are on wait lists to see a medical specialist. This is VANCOLOUR host Mo Amir asks Dr. Robert Carruthers how this affects the delivery of health care in the province.Recorded: February 10, 2025
Operational changes Spencer Carruthers made during COVID-19 have become the "new normal" at his dealership, West Bridgewater, Mass.-based Kenwood Tire - and he couldn't be happier. Find out why in this episode of The Modern Tire Dealer Show.
This week, some notes on the story I released here last week, more about Carruthers Smith and the other stories who populate that tale. --- Click here to support the Wednesday Blog: https://www.patreon.com/sthosdkane --- Support this podcast: https://podcasters.spotify.com/pod/show/sean-thomas-kane/support
The Business of Meetings – Episode 247 - Mastering Digital Presence: Strategies for Success with Leslie Carruthers We are excited to welcome Leslie Carruthers, Founder and President of The Search Guru, to the show today. As a seasoned SEO specialist and an expert in integrating AI into marketing strategies, Leslie has vast knowledge about leveraging AI technologies for impactful business growth. She joins us today to share her entrepreneurial journey and offer valuable insights on using AI to drive a more effective and efficient approach to sales and marketing. Connect with Eric Rozenberg On LinkedIn Facebook Instagram Website Connect with Leslie Carruthers On LinkedIn
This week, a story about excess and secrets all in a museum built by an old reclusive Gilded Age tycoon named Carruthers Smith. --- Click here to support the Wednesday Blog: https://www.patreon.com/sthosdkane The episode artwork this week was generated by Dreamstudio. I really need to get back to sketching. --- Support this podcast: https://podcasters.spotify.com/pod/show/sean-thomas-kane/support
Ortho-K has been around for decades. It can changes patient's lives. It's great for business. Yet, very few ECPs offer this magical solution. Why?Jason Carruthers, who is a registered optician who is an Ortho-K specialist, was wondering the same thing. Over the years he has developed a strategy for success in his contact lens practice.In this episode, we discuss Jason's journey to building a booming Ortho-K practice.1 new Ortho-K fit per week equals an additional $100,000 per year in revenue. Jason managed to get to 16 new fits per week.Whether you are someone who is sitting on the sidelines interested in starting Ortho-K, just dabbling, or deep into it... there will be something in this interview that will help you succeed!Learn more about Jason's Ortho-K program:OrthoKLaunch.comConnect with Jason:Instagram.com/opticianjasonLove the show? Subscribe, rate, review & share! http://www.aboutmyeyes.com/podcast/
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.
Alina Du speaks with Rayna Carruthers on her experience accompanying PEACH Foundation to Mae Sot, Thailand.
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.
Coming Up for Air - Families Speak to Families about Addiction
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/
Coming Up for Air - Families Speak to Families about Addiction
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
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.
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 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
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.
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!
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