Podcasts about covid-19

Dr. Peter McCullough is a distinguished cardiologist, internist, and academic who has become one of the most widely published and influential figures in modern medicine. He is a prolific author, with hundreds of peer-reviewed articles to his name, and has served as editor for numerous medical journals. His impressive career includes significant contributions to the fields of cardiology and nephrology. Dr. McCullough is renowned for his expertise in the management of complex medical conditions, and he holds the distinction of having been the most-published person in the history of his medical field. He is also recognized for his advocacy for early and multi-drug treatment protocols for COVID-19, a position he detailed in "The Courage to Face COVID-19: Preventing Hospitalization and Death While Battling the Bio-Pharmaceutical Complex," which he co-authored with John Leake. His dedication to clinical practice and his courageous public stance on controversial medical topics have made him a prominent and respected figure globally.John Leake is an accomplished author and investigative journalist known for his meticulous research and compelling narratives. His work often delves into complex, real-world events, and he has a particular talent for uncovering the human stories at the heart of major controversies. Leake's reputation as a writer was solidified with his co-authorship of "The Courage to Face COVID-19: Preventing Hospitalization and Death While Battling the Bio-Pharmaceutical Complex." This book, co-written with Dr. Peter McCullough, became a landmark publication, providing a detailed account of the medical and political landscape during the pandemic. Leake's ability to synthesize vast amounts of information and present it in an accessible, engaging manner has made him a trusted voice for readers seeking in-depth understanding of critical issues. DR. PETER A. McCULLOUGH:WEBSITE: https://www.petermcculloughmd.com/X: https://twitter.com/P_McCulloughMDJOHN LEAKE:WEBSITE: https://authorjohnleake.com/SUBSTACK: https://www.thefocalpoints.com/THE RIPPLE EFFECT PODCAST:WEBSITE: http://TheRippleEffectPodcast.comWebsite Host & Video Distributor: https://ContentSafe.co/SUPPORT:PATREON: https://www.patreon.com/TheRippleEffectPodcastPayPal: https://www.PayPal.com/paypalme/RvTheory6VENMO: https://venmo.com/code?user_id=3625073915201071418&created=1663262894MERCH Store: http://www.TheRippleEffectPodcastMerch.comMUSIC: https://music.apple.com/us/album/the-ripple-effect-ep/1057436436WATCH:RUMBLE: https://rumble.com/c/therippleeffectpodcastOFFICIAL YOUTUBE: https://www.youtube.com/@TheRippleEffectPodcastOFFICIALLISTEN:SPOTIFY: https://open.spotify.com/show/4lpFhHI6CqdZKW0QDyOicJiTUNES: http://apple.co/1xjWmlF

#thePOZcast is proudly brought to you by Fountain - the leading enterprise platform for workforce management. Our platform enables companies to support their frontline workers from job application to departure. Fountain elevates the hiring, management, and retention of frontline workers at scale.To learn more, please visit: https://www.fountain.com/?utm_source=shrm-2024&utm_medium=event&utm_campaign=shrm-2024-podcast-adam-posner.Thanks for listening, and please follow us on Insta @NHPTalent and www.youtube.com/thePOZcastFor all episodes, please check out www.thePOZcast.com Summary"In this episode of #thePOZcast Adam Posner interviews Dr. Gabriella Rosen-Kellerman, a physician and psychiatrist who is a pioneer at the intersection of science, technology, and human potential. They discuss her journey into psychiatry, the shift from remediation to performance in mental health, and the impact of work on mental health. Dr. Rosen-Kellerman shares insights on the global performance crisis, the role of COVID-19 in workplace dynamics, and the challenges of remote work. They also explore the concept of flourishing versus productivity, the importance of recognition in leadership, and the future of AI in the workplace. The conversation concludes with Dr. Rosen-Kellerman's career advice and reflections on the lessons learned from historical technological transitions.Takeaways- Dr. Gabriella Rosen-Kellerman emphasizes the importance of recognizing and addressing mental health in the workplace.- The shift from remediation to performance in mental health is crucial for employee well-being.- COVID-19 has significantly impacted workplace dynamics and mental health.- Remote work presents unique challenges that can affect productivity and mental health.- Flourishing is about living a deeply meaningful life, not just being productive.- Recognition from leaders can greatly enhance employee motivation and performance.- AI is reshaping the workplace, requiring new skills and mindsets from employees.- The PRISM framework outlines essential skills for future work: Prospection, Resilience, Innovation, Social Connection, and Mattering.- Leaders need to be proactive and scenario plan to navigate the rapidly changing work environment.- Historical lessons can guide us in supporting employees through technological transitions.Chapters00:00 Introduction to Dr. Gabriella Rosen-Kellerman03:03 The Journey into Psychiatry and Digital Health05:44 The Shift from Remediation to Performance in Mental Health08:46 The Impact of Work on Mental Health12:09 Understanding the Global Performance Crisis14:58 The Role of COVID-19 in Workplace Dynamics17:56 The Challenges of Remote Work21:06 Flourishing vs. Productivity23:56 The Importance of Recognition in Leadership27:00 AI and the Future of Work29:41 The PRISM Framework for Future Skills32:47 Insights from Collaborating with Dr. Martin Seligman35:46 Navigating Leadership in a Rapidly Changing World38:36 The Future of AI and Human Interaction41:35 Lessons from History on Technological Transitions44:36 Closing Thoughts and Career Advice    

ENT surgeon Dr. Brett Cordes shares his extraordinary arc from surviving Non‑Hodgkin lymphoma at 19 to building a thriving surgical career—then spiraling into a hidden opioid addiction that cost him everything. He opens up about rehab during COVID, the true causes of physician burnout, and how he rebuilt his life as “The Burnout Doc,” a coach helping doctors find fulfillment without losing their identity. A powerful listen on turning pain into purpose and asking for help before it's too late. Sponsored by Harford County Health Department Guest Bio:  Dr. Brett Cordes is an otolaryngologist (ENT) and cancer survivor who practiced nearly two decades in the Texas Medical Center. After recovering from an opioid addiction and returning to practice, he transitioned to coaching as “The Burnout Doc,” helping physicians overcome burnout, address unhealthy coping, and reclaim meaning in medicine. He is the co‑author of the memoir Cancer Is for Older People. Main Topics: ·         Surviving Non‑Hodgkin lymphoma at 19 and how patienthood inspired medicine·         Building an ENT surgical career and the unseen pressures of achievement·         The “random Friday” that triggered a hydrocodone addiction—and years of secrecy·         Being a high‑functioning physician while using, rationalization (“mental gymnastics”)·         Intervention, loss of job, medical board action, and rehab during COVID isolation·         Burnout in medicine: bureaucracy, insurance hurdles, and identity conflicts·         Early signs of burnout (boredom, irritability, work‑bound anxiety that follows you home)·         Boundaries, rest, and hobbies as prevention; why doctors avoid asking for help·         Coaching vs. therapy/licensure; why clinicians seek peer coaches·         Reclaiming purpose and serving physicians worldwide via Zoom Resources mentioned: ·         Dr. Brett's Website: https://theburnoutdoc.com/·         Episode Sponsor: Harford County Health DepartmentSend us a textHarford County Health DepartmentTo protect, promote, and improve the health, safety, and environment of Harford County residents.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showRate & Review on Apple Podcasts Follow the Conversations with Rich Bennett podcast on Social Media:Facebook – Conversations with Rich Bennett Facebook Group (Join the conversation) – Conversations with Rich Bennett podcast group | FacebookTwitter – Conversations with Rich Bennett Instagram – @conversationswithrichbennettTikTok – CWRB (@conversationsrichbennett) | TikTok Sponsors, Affiliates, and ways we pay the bills:Hosted on BuzzsproutSquadCast Subscribe by Email

01:13:28 – EV Hype DeflatesHigh truck prices and waning EV demand lead to a critique of electrification promises; real‑world costs and usability concerns dominate. 01:25:32 – Musk & War TechA segment links Silicon Valley glamor to battlefield applications and even synthetic engine noise —mocking techno‑theatrics over substance. 01:36:47 – German Migration RealityReport on German schools highlights language barriers and integration failures, framed as proof elites ignore practical limits of mass migration. 01:50:44 – Homeownership SqueezeRising property taxes, insurance, and repair costs are presented as a quiet squeeze pushing families out of owning homes. 02:00:49 – American Dream RationedA mid‑show reflection on wealth concentration and mobility asks whether the “dream” is increasingly inaccessible to ordinary workers. 02:36:12 – Fed Policy & BRICS GrowthTony Arterburn critiques Trump's push to increase the money supply, arguing it creates temporary booms but long-term inflation and instability. He warns that U.S. tariff threats are driving nations like India closer to China and strengthening BRICS alliances. 02:42:12 – Russia Adds Silver to ReservesRussia's move to classify silver as a strategic reserve asset is called one of the most significant silver stories in 50 years, signaling a global shift toward commodities over fiat currencies. 02:46:47 – Housing Market BubbleDiscussion on how post-COVID liquidity and corporate purchases of real estate, especially by BlackRock, have kept housing prices artificially high and priced out many Americans. 03:00:41 – Income Tax as Control MechanismTony asserts that the income tax was designed by elites to cement their dominance and prevent competition, dismissing political promises to dismantle the IRS as empty rhetoric. 03:18:10 – Tariff History & Trump's Economic NationalismDiscussion of Trump sharing a Peter Navarro video praising historical tariff advocates like Hamilton and Clay, followed by critiques that tariffs in a de-industrialized America amount to a hidden tax on consumers. 03:27:57 – Tariffs as a Tax on AmericansCommentary stresses that with weak domestic manufacturing, tariffs raise costs on essential goods like cars and appliances, punishing citizens rather than foreign producers. 03:33:23 – Trump's Corporate Tax for DemocratsMark Cuban praises Trump for imposing a 15% revenue skim on NVIDIA and AMD chip sales to China—framed as a “progressive dream tax”—while critics note it violates constitutional limits on export duties. 03:47:14 – Swiss F-35 Deal at RiskAnalysis of how Trump's steep 39% tariff on Switzerland may backfire by prompting the Swiss to cancel a $7.5 billion F-35 order, worsening the U.S. trade deficit. 03:55:05 – Ukraine Summit & False Flag FearsTrump warns Putin of “severe consequences” if the Ukraine war continues; Russian officials accuse Kyiv of plotting a provocation to derail upcoming peace talks. Follow the show on Kick and watch live every weekday 9:00am EST – 12:00pm EST https://kick.com/davidknightshow Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHTFind out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

Sponsor: Timothy Plan aligns your biblical values with your financial stewardship in a way that honors God. Click here to learn more!Abby Johnson sits down with former Special Forces Green Beret John Frankman, who left the military after refusing the COVID-19 vaccine on moral and religious grounds. John shares his journey from Catholic seminary to the battlefield, and from elite military service to political activism. They discuss the moral implications of vaccine mandates tied to aborted fetal cells, the lack of accountability in military leadership, and the broader cultural and political battle for life—from conception to natural death. With candid insight, John exposes the ideological purge within the armed forces, the urgent need for cultural change, and why protecting the unborn must remain at the heart of America's future.FOLLOW ABBY ON SOCIAL MEDIA- Instagram- Facebook- Twitter

Nurses Out Loud with Kimberly Overton, BSN, RN – Kimberly Overton speaks with Steve Reiter, founder of the Never Alone Project, revealing the tragic reality of patient isolation during COVID. Driven by personal loss, Steve leads a movement to protect visitation rights. They explore the health impacts of loneliness, the need for federal legislation, and how everyone can advocate for compassionate care in healthcare...

01:13:28 – EV Hype DeflatesHigh truck prices and waning EV demand lead to a critique of electrification promises; real‑world costs and usability concerns dominate. 01:25:32 – Musk & War TechA segment links Silicon Valley glamor to battlefield applications and even synthetic engine noise —mocking techno‑theatrics over substance. 01:36:47 – German Migration RealityReport on German schools highlights language barriers and integration failures, framed as proof elites ignore practical limits of mass migration. 01:50:44 – Homeownership SqueezeRising property taxes, insurance, and repair costs are presented as a quiet squeeze pushing families out of owning homes. 02:00:49 – American Dream RationedA mid‑show reflection on wealth concentration and mobility asks whether the “dream” is increasingly inaccessible to ordinary workers. 02:36:12 – Fed Policy & BRICS GrowthTony Arterburn critiques Trump's push to increase the money supply, arguing it creates temporary booms but long-term inflation and instability. He warns that U.S. tariff threats are driving nations like India closer to China and strengthening BRICS alliances. 02:42:12 – Russia Adds Silver to ReservesRussia's move to classify silver as a strategic reserve asset is called one of the most significant silver stories in 50 years, signaling a global shift toward commodities over fiat currencies. 02:46:47 – Housing Market BubbleDiscussion on how post-COVID liquidity and corporate purchases of real estate, especially by BlackRock, have kept housing prices artificially high and priced out many Americans. 03:00:41 – Income Tax as Control MechanismTony asserts that the income tax was designed by elites to cement their dominance and prevent competition, dismissing political promises to dismantle the IRS as empty rhetoric. 03:18:10 – Tariff History & Trump's Economic NationalismDiscussion of Trump sharing a Peter Navarro video praising historical tariff advocates like Hamilton and Clay, followed by critiques that tariffs in a de-industrialized America amount to a hidden tax on consumers. 03:27:57 – Tariffs as a Tax on AmericansCommentary stresses that with weak domestic manufacturing, tariffs raise costs on essential goods like cars and appliances, punishing citizens rather than foreign producers. 03:33:23 – Trump's Corporate Tax for DemocratsMark Cuban praises Trump for imposing a 15% revenue skim on NVIDIA and AMD chip sales to China—framed as a “progressive dream tax”—while critics note it violates constitutional limits on export duties. 03:47:14 – Swiss F-35 Deal at RiskAnalysis of how Trump's steep 39% tariff on Switzerland may backfire by prompting the Swiss to cancel a $7.5 billion F-35 order, worsening the U.S. trade deficit. 03:55:05 – Ukraine Summit & False Flag FearsTrump warns Putin of “severe consequences” if the Ukraine war continues; Russian officials accuse Kyiv of plotting a provocation to derail upcoming peace talks. Follow the show on Kick and watch live every weekday 9:00am EST – 12:00pm EST https://kick.com/davidknightshow Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHTFind out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

US Health Secretary RFK Jr's call to retract a study on childhood vaccines is resisted by the journal. Also antibiotics get designed by AI, and a new way for stars to die. A study focussing on Danish childhood vaccination data has attracted the US Secretary for Health's anger, as RFK jr calls for the journal in which it was published, the Annals of Internal Medicine, to retract it. The Editor, Christine Laine, talk to Science in Action about the strengths and challenges of observational studies. The cuts to prestigious US federal science funded research continue, as last week it was announced that $500 million funding for future mRNA vaccines would be withdrawn. Barney Graham, one of the pioneers in the field and prominent during the Covid vaccines, argues that the research will still happen, though maybe not in the US, as mRNA has become a fundamental area of global research. Meanwhile, strides are being made in the field of synthetic biology as Jim Collins and colleagues at MIT and Harvard have used AI to design potentially viable antibiotics for two important drug-resistant superbugs. Previously, AI has been used to comb through libraries of known antibiotics. This study has gone a step further, and used generative AI to design new ones, that can then be synthesised using real chemicals. Though a long way from being prescribable drugs, the team think this could herald a new golden age of antibiotic development – something which has been lacking in recent decades. Finally, it seems astronomers may have discovered a new way for a star to die, sort of. Supernova 2023zkd was seen to explode back in 2023, found by a team looking for odd events. It didn't seem quite like normal supernovae, in that it took a bit longer to die down. Then the team looked back, and noticed that it had also been getting slowly brighter for almost a year. At 730 million light years away, in a galaxy far, far away, it also seemed to have been stripped of all its hydrogen and even stranger yet, appeared to have exploded twice. As Ashley Villar of the Harvard Smithsonian Center for Astrophysics explains, the almost unique observation fits with a model of the huge star getting closer to a black hole, the gravity of which may have disrupted the star enough to cause it to explode. Presenter: Roland Pease Producer: Ella Hubber with Alex Mansfield Production Coordinator: Jana Bennett-Holesworth (Image: Child getting a vaccine. Credit: Luis Alvarez via Getty Images)

Peet Van Der Merwe, a professor in the School of Tourism Management at the University of the Northwest, joins Robbie to nerd out on the science behind a paper on hunting tourism in a post-COVID world. Professor Peet is a returning guest, having discussed in earlier episodes the direct contributions of hunting in South Africa and much more. This is the kind of episode you need to listen to if you want to bury information in your brain about the benefits of hunting. Get to know the guest: http://commerce.nwu.ac.za/tourism-research-economics-environs-and-society-trees-tourism-management/peet-van-der-merwe Do you have questions we can answer? Send it via DM on IG or through email at info@theoriginsfoundation.org  Support our Conservation Club Members! Bull Creek Outfitters: https://www.bullcreeklionhunts.com/  Cross Continent Expeditions: https://crosscontinentexpeditions.com/  Grumpy Duck Co: https://www.grumpyduckco.com/  See more from Blood Origins: https://bit.ly/BloodOrigins_Subscribe Music: Migration by Ian Post (Winter Solstice), licensed through artlist.io This podcast is brought to you by Bushnell, who believes in providing the highest quality, most reliable & affordable outdoor products on the market. Your performance is their passion. https://www.bushnell.com  This podcast is also brought to you by Silencer Central, who believes in making buying a silencer simple and they handle the paperwork for you. Shop the largest silencer dealer in the world. Get started today! https://www.silencercentral.com  This podcast is brought to you by Safari Specialty Importers. Why do serious hunters use Safari Specialty Importers? Because getting your trophies home to you is all they do. Find our more at: https://safarispecialtyimporters.com  Learn more about your ad choices. Visit megaphone.fm/adchoices

A new study from Portland State University completes a three-year project looking at the impacts of several drug policy shifts - including Measure 110 - which decriminalized drug possession in Oregon. Among other things, this final study concluded that decriminalization had little to do with rising crime and overdose deaths. Instead, the study found that the COVID-19 pandemic and the widespread emergence of fentanyl were the primary drivers behind a surge in drug-related deaths. Brian Renauer, a professor in the Criminology & Criminal Justice Department at PSU, joins us to explain.

In this episode, we speak with Rob Arntfield MD, the emergency medicine and critical care physician who founded Deep Breathe, an AI company whose technology actually surpassed doctors in COVID-19 lung ultrasound diagnosis. Rob shares his journey of merging computer science roots with medical expertise during the pandemic to create breakthrough diagnostic technology. Rob is a self-described "acutivist" working as an emergency medicine and critical care physician at London Health Sciences Centre. He serves as Professor of Medicine at Western University and co-authored the textbook Point-of-Care Ultrasound. Website: https://www.deepbreathe.ai/ If you enjoy the show, please leave a ⭐⭐⭐⭐⭐ rating on Apple or a

Nurses Out Loud with Kimberly Overton, BSN, RN – Kimberly Overton speaks with Steve Reiter, founder of the Never Alone Project, revealing the tragic reality of patient isolation during COVID. Driven by personal loss, Steve leads a movement to protect visitation rights. They explore the health impacts of loneliness, the need for federal legislation, and how everyone can advocate for compassionate care in healthcare...

0:00 Trump says DC already safer! Federal troops round up criminals: Robby Soave | RISING 9:30 Tulsi Gabbard drops new Russiagate docs, appear to show emails between fmr DNI, NSA heads | RISING 18:40 Newsom trolls Trump, promises 'beautiful' CA redistricting amid TX gerrymandering efforts | RISING 23:30 Harvard, Trump deal will cause chilling effect if there are no safeguards: Lindsey Granger | RISING 32:10 'Dave Smith feuds with Bill Browder over Ukraine war ahead of Trump-Putin summit | RISING 41:52 Mehdi Hasan floats Jon Stewart presidential run, polls show Dem support | RISING 47:04 Charlie Kirk skewers 'ruling class' on Covid response; Dems pounce, pointing blame at Trump | RISING Learn more about your ad choices. Visit megaphone.fm/adchoices

FREEDOM - HEALTH - HAPPINESSThis podcast is highly addictive and seriously good for your health.SUPPORT DOC MALIK To make sure you don't miss any episodes, have access to bonus content, back catalogue, and monthly Live Streams, please subscribe to either:The paid Spotify subscription here: https://creators.spotify.com/pod/show/docmalik/subscribe The paid Substack subscription here: https://docmalik.substack.com/subscribeThank you to all the new subscribers for your lovely messages and reviews! And a big thanks to my existing subscribers for sticking with me and supporting the show! ABOUT THIS CONVERSATION: It was a joy to finally have Sam in the studio, a doctor I admire for being among the first to challenge the COVID response and the harms of the bioweapon shots. In this episode we go straight to informed consent and the collapse of medical ethics during the COVID years. We pull the curtain on training that turns doctors into protocol followers, a regulator that protects the brand, and media gatekeeping that bullied people into compliance. We sit with the human cost, fear, silence, vaccines and safety signals, and the price of truth telling. Most of all, we ask how to rebuild trust and make medicine ethical again.See my substack for more information.Much love, as always.Doc MalikLinksWebsite https://drsamwhite.com/IMPORTANT INFORMATIONCONSULTATION SERVICEIn a world of rushed 7-minute consultations and endless referrals, I offer you something rare: time, context, and clear guidance.As your health advocate, I can help you:Understand your diagnosis and decode medical jargonDecide who to see: GP, specialist, osteopath, physio, accupuntcurist, homeopath etc?Break down treatment plans in plain, easy to understand non jargon EnglishPrepare for surgery, understand your risks, obtain true informed consent, and optimise yourself pre-op Recover from surgery, advise you how to heal faster and quicker and minimise post-op complicationsManage chronic illness with lifestyle, mindset, and dietary changesExplore holistic options that complement conventional careImplement lifestyle changes like fasting, stress reduction, or movementAsk better questions, and get real answersGet an unbiased second opinionReady to Take Control?If you're navigating a health concern, preparing for a big decision, or simply want to feel more confident in your path forward, I'd love to support you.Book here https://docmalik.com/consultations/ Because it's your body, your life, and your future. Let's make sure you're informed and heard.WaterpureI distill all my water for drinking, washing fruit and vegetables, and cooking. If you knew what was in tap water, so would you!https://waterpure.co.uk/docmalik BUY HERE TODAYHunter & Gather FoodsSeed oils are inflammatory, toxic and nasty; eliminate them from your diet immediately. Check out the products from this great companyhttps://hunterandgatherfoods.com/?ref=DOCHG BUY HERE TODAYUse DOCHG to get 10% OFF your purchase with Hunter & Gather Foods.IMPORTANT NOTICEIf you value my podcasts, please support the show so that I can continue to speak up by choosing one or both of the following options - Buy me a coffee If you want to make a one-off donation.Doc Malik Merch Store Check out my amazing freedom merch

GDP Script/ Top Stories for August 14th Publish Date: August 14th From the BG AD Group Studio Welcome to the Gwinnett Daily Post Podcast. Today is Thursday, August 14th and Happy birthday to Magic Johnson I’m Peyton Spurlock and here are your top stories presented by KIA Mall of Georgia. Gwinnett students outperform state on many milestones tests — but trail in science Buford's David Clark joins race to be Georgia’s next lieutenant governor Police contacted weeks earlier due to CDC shooter's 'thoughts of suicide,' GBI says Plus, Leah McGrath from Ingles Markets on Food Apps All of this and more is coming up on the Gwinnett Daily Post podcast, and if you are looking for community news, we encourage you to listen daily and subscribe! Break 1: MONSTER JAM STORY 1: Gwinnett students outperform state on many milestones tests — but trail in science Gwinnett County Public Schools has some bragging rights—but also some glaring gaps. The latest Milestones and end-of-course test scores show the district outperforming the state in most areas, but science? That’s a different story. The eighth-grade science results are, frankly, shocking: just 0.3% of students scored proficient or higher. Compare that to 28% statewide. Yes, you heard that right—0.3%. GCPS says most of its eighth-graders take the tougher high school physical science test instead, but even there, only 44% hit proficiency, trailing the state’s 57%. There are bright spots, though. Fifth-grade science scores beat state averages, and high school biology students held their own. Math and social studies also showed solid results, with Gwinnett consistently outpacing state averages. English/language arts? Mixed bag. Less than half of students in every grade tested were proficient, with third-graders struggling the most—just 39% hit the mark. The district plans to dig into the data at the Aug. 21 school board meeting. STORY 2: Buford's David Clark joins race to be Georgia’s next lieutenant governor The race for Georgia’s next lieutenant governor just got more crowded. On Tuesday, Rep. David Clark, R-Buford, threw his hat in the ring, becoming the fifth state lawmaker to join the campaign. Clark’s announcement follows state Sen. Blake Tillery, R-Vidalia, who launched his campaign just a day earlier. Both Republicans are hitting familiar notes—tax cuts, immigration crackdowns, and opposition to transgender rights. They join Sens. John F. Kennedy and Steve Gooch, both running on MAGA-friendly platforms aimed squarely at Trump’s base. On the other side of the aisle, Sen. Josh McLaurin, D-Sandy Springs, is the lone Democrat in the race. A vocal Trump critic, McLaurin has made no secret of his disdain for the former president’s policies and legal defiance during this year’s legislative session. The lieutenant governor’s role? Presiding over the Senate and stepping in when the governor’s out. But this race? It’s shaping up to be anything but ordinary. STORY 3: Police contacted weeks earlier due to CDC shooter's 'thoughts of suicide,' GBI says The Georgia Bureau of Investigation shared new details Tuesday about Friday’s shooting outside the CDC’s Atlanta headquarters—a tragedy that left DeKalb County Officer David Rose dead and the suspect, Patrick Joseph White, 30, of Kennesaw, taking his own life. GBI Director Chris Hosey said White had no criminal history but had recently expressed suicidal thoughts, prompting a call to law enforcement weeks earlier. At White’s home, investigators found writings criticizing COVID-19 vaccines—angry, but not overtly threatening. White fired over 500 rounds, hitting six CDC buildings. His weapons, a mix of rifles and a shotgun, belonged to his father, who told investigators White broke into the gun safe. Officer Rose, one of the first responders, was fatally shot by White. “He died a hero,” said FBI Special Agent Paul Brown. “His sacrifice won’t be forgotten.” The investigation is ongoing, and anyone with information is urged to contact the GBI tip line. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info. We’ll be right back Break 2: Ingles Markets 6 STORY 4: PCOM Georgia holds White Coat ceremony On Aug. 8, nearly 200 students from PCOM Georgia’s Physician Assistant and Doctor of Osteopathic Medicine programs slipped into their crisp white coats for the first time—a moment that felt both surreal and monumental. The ceremony, held at the Gas South Convention Center, wasn’t just about the coats. It was about stepping into something bigger: the responsibility, the privilege, the weight of caring for others. Students recited their oath and class mission statement, pledging to lead with compassion and professionalism. For many, it wasn’t just a milestone—it was the start of a dream they’d been chasing for years. STORY 5: Trump throws support behind Jones’ bid for Georgia governor President Donald Trump has thrown his weight behind Lt. Gov. Burt Jones in Georgia’s governor’s race, giving his “complete and total” endorsement in a social media post Monday. Trump praised Jones as a loyal ally who worked “tirelessly” for his campaigns, calling him an early supporter of the MAGA movement. The endorsement could be a game-changer in the GOP primary, where Trump’s base still holds serious sway. Jones faces Attorney General Chris Carr, but he’s already got a fundraising edge—thanks to a 2021 law that lets him raise unlimited funds through a leadership committee. Carr, who doesn’t have that advantage, has taken the fight to federal court, accusing Jones of abusing the system. Meanwhile, the Democratic primary is heating up, with big names like Keisha Lance Bottoms, Jason Esteves, and Michael Thurmond already in the mix. We’ll be right back. Break 3: MONSTER JAM And now here is Leah McGrath from Ingles Markets on Food Apps Break 4: 07.14.22 KIA MOG We’ll have closing comments after this Break 5: MONSTER JAM Signoff – Thanks again for hanging out with us on today’s Gwinnett Daily Post Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.gwinnettdailypost.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com www.kiamallofga.com #NewsPodcast #CurrentEvents #TopHeadlines #BreakingNews #PodcastDiscussion #PodcastNews #InDepthAnalysis #NewsAnalysis #PodcastTrending #WorldNews #LocalNews #GlobalNews #PodcastInsights #NewsBrief #PodcastUpdate #NewsRoundup #WeeklyNews #DailyNews #PodcastInterviews #HotTopics #PodcastOpinions #InvestigativeJournalism #BehindTheHeadlines #PodcastMedia #NewsStories #PodcastReports #JournalismMatters #PodcastPerspectives #NewsCommentary #PodcastListeners #NewsPodcastCommunity #NewsSource #PodcastCuration #WorldAffairs #PodcastUpdates #AudioNews #PodcastJournalism #EmergingStories #NewsFlash #PodcastConversations See omnystudio.com/listener for privacy information.

Join us in this insightful episode as we sit down with Dr. Janaye Duane, a behavioral scientist, futurist, and bestselling author. We delve into the intersection of exponential technology, human systems, and the future of health. Discover how Dr. Duane's journey from opera singer to futurist informs her mission to improve life for a billion people.Chapters:Introduction to Dr. Janaye Duane (0:00 - 2:30)Overview of Dr. Duane's background and mission.From Opera Singer to Futurist (2:31 - 10:00)Dr. Duane shares her career journey and the transition to futurism.The Impact of COVID-19 (10:01 - 18:00)Discussion on how the pandemic has shifted scenario planning and work dynamics.Biohacking and Longevity (18:01 - 30:00)Exploring future trends in biohacking and longevity medicine.Ethical Considerations in AI (30:01 - 40:00)Delving into the ethical implications of AI in healthcare.Practical Tools for Growth (40:01 - 50:00)Exercises and tools for personal and professional development.Conclusion and Future Outlook (50:01 - End)Final thoughts and the importance of ongoing conversations about health and technology.

"Naming a band can be quite difficult. The list of bands we will discuss today went back into history to grab a name or an event to come up with a moniker. You know a good many of them. "

In this conversation, a caller grapples with whether to stay in his 11-year marriage, sharing feelings of loneliness and frustration. He details how COVID-19 and his wife's postpartum depression affected their relationship, leading to emotional isolation and communication breakdowns. The discussion reveals a lack of emotional guidance in his upbringing, contributing to his view of relationships as transactional. Stefan encourages the caller to confront his past, improve communication, and reconnect with his parents to better understand his emotional distance. The conversation concludes with the caller recognizing his loneliness and expressing a desire for deeper connections.FOLLOW ME ON X! https://x.com/StefanMolyneuxGET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

J Carrell, former Border Patrol Agent and Filmmaker of ThisIsTreason.com, dives deeper into the scandal of what's really been happening with the invasion of criminal illegal aliens and how Trump has fallen massively short on his mass deportations promise Peymon Mottahedeh, Founder of FreedomLawSchool.org joins Stew to discuss how to legally STOP paying your taxes and stop funding our criminal government's agenda to enslave us! Jeff Berwick joins Stew to discuss the latest attacks from AIPAC on America and their further engulfing of our Government Western civilization has been infected by a parasitic invasion of foreign ideals and values that have been introduced into our culture by strange and morally degenerate people whose goal is world domination. We have been OCCUPIED. Watch the film NOW! https://stewpeters.com/occupied/

Reporter @AdameMedia joins Stew to discuss the historic and horrific SLAUGHTER of Journalists in GAZA by Israelis with them cheering it on. More journalists have been killed in Israel's war than WWII and Vietnam war COMBINED- and it needs to be investigated.  John Jubilee of Energized Health joins Stew Peters show to discuss the biggest barriers Americans have that's stopping them from being at their ideal weight and feeling their healthiest — And why the My 555 Challenge is so powerful in getting individuals — and couples — in their best shape, fast.  Western civilization has been infected by a parasitic invasion of foreign ideals and values that have been introduced into our culture by strange and morally degenerate people whose goal is world domination. We have been OCCUPIED. Watch the film NOW! https://stewpeters.com/occupied/

Although tariff negotiations continue, deals are being made, shifting investor focus on assessing the fallout. Our Global Head of Fixed Income Research and Public Policy Strategy Michael Zezas and Chief U.S. Economist Michael Gapen consider the ripple effects on inflation and the bond market. Read more insights from Morgan Stanley.----- Transcript -----Michael Zezas: Welcome to Thoughts on the Market. I'm Michael Zezas, Global Head of Fixed Income Research and Public Policy Strategy. Michael Gapen: And I'm Michael Gapen, Chief U.S. Economist. Michael Zezas: Today, how are tariffs impacting the economy and what it means for bond markets? It's Wednesday, August 13th at 10:30am in New York. Michael, we've been talking about how the near-term uncertainty around tariff levels has come down. Tariff deals are, of course, still pending with some major U.S. trading partners like China; but agreements are starting to come together. And though there's lots of ways they could break over time, in the near-term, deals like the one with Europe signal that the U.S. might be happy for several months with what's been arranged. And so, the range of outcomes has shrunk. The U.S.' current effective tariff rate of 16 percent is about where we thought we'd be at year end. But that's substantially higher than the roughly 3 percent we started the year with. So, not as bad as it looked like it could have been after tariffs were announced on April 2nd, but still substantially higher. Now's the time when investors should stay away from chasing tariff headlines and guessing what the President might do next; and instead focus on assessing the impact of what's been done. With that as the backdrop, we got some relevant data yesterday, the Consumer Price Index for July. You were expecting that this would show some clear signs of tariffs pushing prices higher. Why was that? Michael Gapen: Well, we did analysis on the 2018-2019 tariff episode. So, in looking at the input-output tables, which give you an idea of how prices move through certain sectors of the economy, and applying that to the 2018 episode of tariffs – we got the result that you should see some tariff inflation in June, and then sequentially more as we move into the late summer and the early fall. So, the short answer, Mike, is a model based plus history-based exercise – that said yes, we should start seeing the effects of tariffs on those categories, where the direct effect is high. So that'd be most of your goods categories. Over time, as we move into later this year or early next year, it'll be more important to think about indirect effects, if any. Michael Zezas: Got it. So, the July CPI data that came out yesterday, then did it corroborate this view? Michael Gapen: Yes and no. So, I'm an economist, so I have to do a two-handed view on this. So yes… Michael Zezas: Always fair. Michael Gapen: Always, yes. So, yes, core goods prices rose by two-tenths on the month, in June they also rose by two-tenths. Prior to this goods' prices were largely flat with some of the big durables, items like autos being negative, right? So, we had all the give back following COVID. So, the prior trend was flat to negative. The last two months, they've shown two-tenths increases. And we've seen upward pressure on things like household furnishings, apparel. We saw a strong used car print this month, motor vehicle and repairs. So, all of that suggests that tariffs are starting to flow through. Now, we didn't – on the other hand – is we didn't get as much as we thought. New car prices were flat and maybe those price increases will be delayed until models – the 2026 models start hitting the lot. That would be September or later. And we didn't actually; I said apparel. Apparel was up stronger last month. It really wasn't up all that much this month. So, the CPI data for July corroborated the view that the inflation pass through is happening. Where I think it didn't answer the question is how much of it are we going to get and should we expect a lot of it to be front loaded? Or is this going to be a longer process? Michael Zezas: Got it. And then, does that mean that tariffs aren't having the sort of aggregate impact on the economy that many thought they would? Or is maybe the composition of that impact different? So, maybe prices aren't going up so much, but companies are managing those costs in other ways. How would you break that down? Michael Gapen: We would say, and our view is that, yes, you know, we have written down a forecast. And we used our modeling in the 2018-20 19 episode to tell us what's a reasonable forecast for how quickly and to what degree these tariffs should show up in inflation. But obviously, this has been a substantial move in tariffs. They didn't start all at once. They've come in different phases and there's a lot of lags here. So, I just think there's a wide range of potential outcomes here. So, I wouldn't conclude that tariffs are not having the effect we thought they would. I think it's way too early and would be incorrect to conclude, just [be]cause we've had relatively modest tariff pressures in June and July, inflation that we can be sanguine and say it's not a big deal and we should just move on.Michael Zezas: And even so, is it fair to say that there's still plenty of evidence that this is weighing on growth in the way you anticipated? Michael Gapen: I think so. I mean, it's clear the economy has moderated. If we kind of strip out the volatility and trade and inventories, final sales to domestic purchasers 1.5 in the first quarter. It was 1.1 in the second quarter, and a lot of that slowdown was related to spending by the consumer. And a slowdown in business spending. So that that could be a little more, maybe about policy uncertainty and not knowing exactly what to do and how to plan. But it also we think is reflected in a slowdown, in the pace of hiring. So, I would say, you got the policy uncertainty shock first. That also came through the effect of the April 2nd Liberation Day tariffs, which probably caused a freeze in hiring and spending activity for a bit. And now I would say we're moving into the part of the world where the actual increase in tariffs are going to happen. So, we'll know whether or not firms can pass these prices along or not. If they can't, we'll probably get a weaker labor market. If they can, we'll continue to see it in inflation.But Mike, let me ask you a question now. You've had all the fun. Let me turn the table. Michael Zezas: Fair enough. Michael Gapen: How much does it matter for you or your team, whether or not these tariffs are pushing prices higher? And/or delaying cuts from the Fed. How do you think about that on your side? Michael Zezas: Yeah, so this question of composition and lags is really interesting. I think though that if the end state here is as you forecast – that we'll end up with weaker growth, and as a consequence, the Fed will embark on a substantial rate cutting program. Then the direction of travel for bond yields from here is still lower. So, if that's the case, then obviously this would be a favorable backdrop for owners of U.S. treasury bonds. It's probably also good news for owners of corporate credit, but the story's a bit trickier here. If yields move lower on weaker growth, but we ultimately avoid a recession, this might be the sweet spot for corporate credit. You've got fundamental strength holding that limits credit risk, and so you get performance from all in yields declining – both the yield expressed by the risk-free rate, as well as the credit spread. But if we tipped into recession, then naturally we'd expect there to be a repricing of all risk in the market. You'd expect there to be some expression of fundamental weakness and credit spreads would widen. So, government bonds would've been a better product to own in that environment.But, of course, Michael, we have to consider alternative outcomes where yields go higher, and this would turn into a bad environment for bond returns that would appear to be most likely in the scenario where U.S. growth actually ticks higher, resetting expectations for monetary policy in a more hawkish direction.So, what do you think investors should watch for that would lead to that outcome? Is it something like an AI productivity boom or maybe something else that's not on our radar? Michael Gapen: Yeah, so I think that is something investors do have to think about; and let me frame one way to think about that – where ex-post any easing by the Fed as early as September might be retroactively viewed as a policy mistake, right? So, we can say, yes, tariffs should slow down growth and maybe that happens in the second half of this year. The Fed maybe eases rates as a pre-emptive measure or risk management approach to avoid too much weakness in the labor market. So even though the Fed is seeing firming inflation now, which it is. It could ease in September, maybe again in December [be]cause it's worried about the labor market. So maybe that's what dominates 2025. And, and like you said, perhaps in the very near term, continues to pull bond prices lower. But what if we get into 2026 and the tariff effect or the tariff drag on growth fades, and the consumer begins to accelerate. So, we don't have a recession, we just get a bit of a divot in growth and then the economy recovers. Then fiscal policy kicks in, right? We don't think the One Big, Beautiful Bill act will provide a lot of stimulus, but we could be wrong. It could kickstart animal spirits and bring forward a lot of business spending. And then maybe AI, as you said; that could be a combining factor and financial conditions would be very easy in that world, in part – given that the Fed has eased, right? So that that could be a world where, you know, growth is modest, but it's firming. Inflation that's moved up to about 3 percent or maybe a little bit higher later this year kind of stays there. And then retroactively, the problem is the Fed eased financial conditions into that and inflation's kind of stuck around 3 percent. Bond yields – at least the long end – would probably react negatively in that world. Michael Zezas: Yeah, that makes perfect sense to us. Well, Michael, thanks for taking the time to talk with me. Michael Gapen: Thanks for having me on, Mike. Michael Zezas: And to our audience, thanks for listening. If you enjoy Thoughts on the Market, please leave us a review and tell your friends about the podcast. We want everyone to listen.

Today I am so excited to welcome the amazing Vanessa Bennett — depth psychologist, author, and truth-teller when it comes to the real journey of motherhood and relationships. In this episode, we get real about her leap from the corporate world into psychology, navigating motherhood during COVID, and the life-changing insights from her upcoming book, The Motherhood Myth.This conversation will give you permission to redefine what motherhood, partnership, and self-love can look like — on your terms.Inside This Episode:Vanessa's journey from corporate life to depth psychologyHow societal systems shape motherhood and relationshipsThe empowering message of The Motherhood MythI am personally inviting you to join me inside the Empowered.Secure.Loved. Relationship Program this month — because this is your time to finally break free from the patterns that have been holding you back in love.When you join in August, you'll receive my Vow to Secure Love: The Choose Yourself First Bundle — a powerful combination of tools, coaching, and resources designed to help you choose yourself, step into secure attachment, and create the healthy love you deserve.Spots are limited for August, so don't wait. Your future self will thank you for taking this step today.Click Here to Apply Now and Start Your Journey to Secure LovePre-Order Vanessa's New Book:A Mother Myth → Order HereConnect with Vanessa:Instagram → @vanessasbennettWebsite → https://www.vanessabennett.com/

01:02:19 – KOSA: America's Trojan Horse Digital IDThe Kids Online Safety Act, backed by Marsha Blackburn and Apple, is presented as child protection but sets the stage for mass surveillance and mandatory age verification. 01:07:25 – The Digital ID EndgameBill provisions would link every online action to verified identities, ending anonymity and feeding data into systems like Palantir for total surveillance. 01:28:12 – Truman's National Security State LegacyHistorical reflection on Harry Truman's role in creating the national security state and empowering CIA overreach under the guise of “security.” 01:48:38 – Kodak's Collapse and Chemical PivotOnce a photography giant, Kodak faces bankruptcy while pivoting to pharmaceutical chemical production, emblematic of industrial decline and moral compromise. 02:00:58 – The Never-Ending Drug WarOverview of the U.S. drug war's century-long failure, from early prohibition headlines to modern DARE campaigns, showing how it fuels violence, wastes resources, and erodes freedoms while enriching cartels and empowering the state. 02:08:38 – Special Forces Cartel at Fort BraggA Rolling Stone exposé details a drug cartel run by members of JSOC, involving Delta Force operators, Mexican gangs, and even ex-ISIS fighters, with multiple unsolved murders linked to the conspiracy. 02:17:29 – Murder, Smuggling, and Cover-UpsStory of two key figures—one murdered, one arrested—connected to a Fort Bragg trafficking network, with allegations of a “USB insurance policy” naming soldiers in an Afghanistan opiate pipeline. 02:19:35 – Trump's Military Plan Against CartelsExamination of Trump's directive authorizing Pentagon operations against Latin American cartels, drawing parallels to failed militarized drug war strategies in Mexico and Afghanistan. 02:40:47 – COVID-Era Euthanasia PoliciesReview of evidence suggesting governments accelerated deaths during COVID through Do Not Resuscitate orders, Midazolam use, ventilator protocols, and denial of care to vulnerable groups. 01:00:03 – Turbo Cancer & Medical System CorruptionJohn Richardson recounts his health scare, connecting it to G. Edward Griffin's work on cancer prevention. He describes how the U.S. medical establishment pushes surgery and pharmaceuticals while ignoring natural, preventative approaches. 01:04:25 – Stage 3 Cancer Diagnosis PressureWithin 24 hours of hospital admission, Richardson was told he had stage 3 colon cancer and faced intense pressure from 15 doctors to undergo immediate surgery, chemotherapy, and radiation. 01:18:18 – Apricot Seeds & LongevityHe cites the Hunza people's longevity and low cancer rates, attributing it to their daily consumption of apricot seeds and kernel oil, which contain amygdalin (B-17). 01:29:37 – Broken Healthcare IncentivesDavid Knight shares his own stroke and surgery story, exposing how insurance and hospital policies block inexpensive, beneficial treatments like high-dose vitamin C. 01:57:13 – Free Access to ‘World Without Cancer'Richardson offers a free PDF of G. Edward Griffin's World Without Cancer, aiming to equip the public with information to resist medical-industrial complex deceptions. Follow the show on Kick and watch live every weekday 9:00am EST – 12:00pm EST https://kick.com/davidknightshow Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHTFind out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

About this episode: The Department of Health and Human Services has cancelled nearly $500 million in funding for the development of mRNA vaccines, including for vaccines against potential new pandemic threats. In this episode: Professor Bill Moss delves into the misinformation surrounding mRNA vaccines, explains their potential to treat diseases like cancer and HIV, and warns of the national security threats posed by cuts to development. Guest: Dr. Bill Moss, MPH, is an infectious disease specialist and the executive director of the International Vaccine Access Center at the Johns Hopkins Bloomberg School of Public Health. Host: Stephanie Desmon, MA, is a former journalist, author, and the director of public relations and communications for the Johns Hopkins Center for Communication Programs. Show links and related content: Johns Hopkins expert speaks on ripple effect of federal cuts to mRNA vaccine contracts—WBAL-TV 11 How Cuts to mRNA Vaccine Development Will Set the U.S. Back—Johns Hopkins Bloomberg School of Public Health What to know about mRNA vaccines as Trump admin pulls funding—Axios For mRNA Vaccines, COVID-19 Is Just the Beginning—Johns Hopkins Bloomberg School of Public Health Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌JohnsHopkinsSPH on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

Truth Be Told with Booker Scott – Communism hides in America's shadows, resurfacing through socialist policies, government mandates, and globalist agendas. From COVID restrictions to executive orders under Biden, centralized power grows. Donald Trump's win offers a brief reprieve, but recent socialist victories in major cities warn patriots to stay vigilant as the push against individual liberty intensifies across the nation...

This episode is supported by Incogni. Use code UNBIASED to get an exclusive 60% off an annual Incogni plan at https://incogni.com/unbiased Hello Unbiased Scientists! We're taking a little break for summer, but in the meantime we are re-airing some of our very favorite episodes as well as some of YOUR favorites. We will still be posting infographics to our socials as well as longer form content on our Substack at ⁠theunbiasedscipod.substack.com⁠ and some short form video clips from episodes as well as some NEW short form content to our YouTube channel over the summer. So if you're not following us already, check out the links below. Be sure to leave us a review and drop some comments on our socials with questions or topics you want to see us cover. We love hearing from you! Thanks for being here and we'll see you a couple of months with some fresh new episodes for season SIX of Unbiased Science, your trusted source for no nonsense, just science! Find us on all social media platforms! Substack: ⁠⁠⁠⁠⁠⁠https://theunbiasedscipod.substack.com/⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠https://www.facebook.com/unbiasedscipod⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠https://twitter.com/unbiasedscipod⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠https://www.linkedin.com/showcase/unbiased-science-podcast/posts/⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠https://instagram.com/unbiasedscipod⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@unbiasedscipod⁠⁠⁠⁠⁠⁠ ----------------------------------------------------------------------------------------------------------------------- Interested in advertising with us? Please reach out to advertising@airwavemedia.com, with “Unbiased Science” in the subject line. PLEASE NOTE: The discussion and information provided in this podcast are for general educational, scientific, and informational purposes only and are not intended as, and should not be treated as, medical or other professional advice for any particular individual or individuals. Every person and medical issue is different, and diagnosis and treatment requires consideration of specific facts often unique to the individual. As such, the information contained in this podcast should not be used as a substitute for consultation with and/or treatment by a doctor or other medical professional. If you are experiencing any medical issue or have any medical concern, you should consult with a doctor or other medical professional. Further, due to the inherent limitations of a podcast such as this as well as ongoing scientific developments, we do not guarantee the completeness or accuracy of the information or analysis provided in this podcast, although, of course we always endeavor to provide comprehensive information and analysis. In no event may Unbiased Science or any of the participants in this podcast be held liable to the listener or anyone else for any decision allegedly made or action allegedly taken or not taken allegedly in reliance on the discussion or information in this podcast or for any damages allegedly resulting from such reliance. The information provided herein do not represent the views of our employers. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jason and John Mauldin discuss the current state of the housing market, noting at while some areas face a shortage due to regulations and high costs, others have a surplus of homes. They highlight the impact of high mortgage rates relative to housing prices, pushing some into the rental market. Jason mentioned a record number of new apartment deliveries during the COVID-19 period, which is now subsiding, and they discussed the muted performance of the housing market overall, with some markets slightly up and others down. John suggested that sellers in many markets may need to adjust their expectations, describing a "barbell market" with high and low ends but a lack of mid-range options. https://www.mauldineconomics.com/frontlinethoughts #JohnMauldin #HousingMarket #HousingShortage #Tariffs #Homebuilders #MortgageRates #RentalMarket #ApartmentConstruction #InterestRates #Powell #Trump #FederalReserve #Inflation #Deflation #Disinflation #GovernmentDebt #GDPGrowth #Deficits #StockMarket #Dividends #PassiveInvesting #ActiveInvesting #PreciousMetals #Gold #BitcoinSkeptic #FinancialAdvice #AmericanExperiment #FreeMarkets #Crisis #DebtCrisis #AI #Robotics #Longevity #GlobalEnergy #NaturalGas #OilPrices #Protectionism #Globalization #ConsumptionTax #VAT #ThoughtsFromTheFrontLine #MauldinEconomics   Key Takeaways: 1:49 Don't be fooled by Bill Gates 2:50 John Mauldin and the housing shortage 9:58 Bitcoin and gold as insurance 11:32 Sponsor: https://www.monetary-metals.com/Hartman/ 13:31 Stock market 15:53 Inflation expectations and the bond market 18:52 The markets and geo-political noise 22:15 The American experiment is alive and well   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com    

August 13, 2025Download the app HEREwww.TheDailyMojo.com"Ep 081325: DC Lunacy  | The Daily MoJo"The content covers a range of topics from health and hygiene to cultural trends. It discusses the importance of vaccinations, misconceptions about soap, and humorous anecdotes. The conversation highlights community violence, media representation, and the rise of online adult content. It also touches on collectibles, auction trends, and the value of artwork. The dialogue concludes with light-hearted discussions about women's rugby and personal reflections.David G - Former Navy SEAL, retired firefighter, Secret Squirrel, and longtime friend of the show - returns to the chair at the Motel to share his views on everything from the idiots in DC to tetanus shots.Phil Bell's Morning Update - Why Is The Fed keeping Interest rates so high? HEREOur affiliate partners:Be prepared! Not scared. Need some Ivermection? Some Hydroxychloroquine? Don't have a doctor who fancies your crazy ideas? We have good news - Dr. Stella Immanuel has teamed up with The Daily MoJo to keep you healthy and happy all year long! Not only can she provide you with those necessary prophylactics, but StellasMoJo.com has plenty of other things to keep you and your body in tip-top shape. Use Promo Code: DailyMoJo to save $$Take care of your body - it's the only one you'll get and it's your temple! We've partnered with Sugar Creek Goods to help you care for yourself in an all-natural way. And in this case, "all natural" doesn't mean it doesn't work! Save 15% on your order with promo code "DailyMojo" at SmellMyMoJo.comCBD is almost everywhere you look these days, so the answer isn't so much where can you get it, it's more about - where can you get the CBD products that actually work!? Certainly, NOT at the gas station! Patriots Relief says it all in the name, and you can save an incredible 40% with the promo code "DailyMojo" at GetMoJoCBD.com!Romika Designs is an awesome American small business that specializes in creating laser-engraved gifts and awards for you, your family, and your employees. Want something special for someone special? Find exactly what you want at MoJoLaserPros.com  There have been a lot of imitators, but there's only OG – American Pride Roasters Coffee. It was first and remains the best roaster of fine coffee beans from around the world. You like coffee? You'll love American Pride – from the heart of the heartland – Des Moines, Iowa. AmericanPrideRoasters.com   Find great deals on American-made products at MoJoMyPillow.com. Mike Lindell – a true patriot in our eyes – puts his money where his mouth (and products) is/are. Find tremendous deals at MoJoMyPillow.com – Promo Code: MoJo50  Life gets messy – sometimes really messy. Be ready for the next mess with survival food and tools from My Patriot Supply. A 25 year shelf life and fantastic variety are just the beginning of the long list of reasons to get your emergency rations at PrepareWithMoJo50.comStay ConnectedWATCH The Daily Mojo LIVE 7-9a CT: www.TheDailyMojo.com (RECOMMEDED)Rumble: HEREFacebook: HEREMojo 5-0 TV: HEREFreedomsquare: HEREOr just LISTEN:The Daily MoJo Channel Become a supporter of this podcast: https://www.spreaker.com/podcast/the-daily-mojo-with-brad-staggs--3085897/support.

Episode #271Matt Bigland, the lead vocalist and guitarist from Dinosaur Pile Up is getting ready to release the band new album 'I've Felt Better' on 8/22/2025. The album is a comeback of sorts, as the band has been on a hiatus due to Matt's public battle with Ulcerative Colitis, which sidelined the band during the Covid Pandemic. Matt discusses his illness, his new found love, the new music, Ozzy, the bands upcoming tour with A Day To Remember, and a lot more on this episode!Check out the custom playlist for Episode #271 here!See Dinosaur Pile Up 11/8 at SNHU ArenaSee Dinosaur Pile Up 11/9 at Total Mortgage ArenaFind Matt Bigland Online:ThreadsInstagramFind Dinosaur Pile Up online:WebsiteFacebookTwitterInstagramYoutubeTikTokFind Mistress Carrie Online:Official WebsiteThe Mistress Carrie Backstage Pass on PatreonTwitterFacebookInstagramBlueskyThreadsYouTubeTikTokCameoPantheon Podcast NetworkFind The Mistress Carrie Podcast online:InstagramThreads Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, James and Antony discuss the surprising ecological effects of reintroducing wolves to Yellowstone, highlighting how these changes mirror economic principles. They explore the broader implications of government interventions, such as COVID-19 lockdowns and economic data revisions. The conversation also touches on the voting age debate, questioning whether 16-year-olds should vote and the potential impacts of such a decision. Join them for an insightful discussion on the interconnectedness of our world. Learn more about your ad choices. Visit podcastchoices.com/adchoices

01:02:19 – KOSA: America's Trojan Horse Digital IDThe Kids Online Safety Act, backed by Marsha Blackburn and Apple, is presented as child protection but sets the stage for mass surveillance and mandatory age verification. 01:07:25 – The Digital ID EndgameBill provisions would link every online action to verified identities, ending anonymity and feeding data into systems like Palantir for total surveillance. 01:28:12 – Truman's National Security State LegacyHistorical reflection on Harry Truman's role in creating the national security state and empowering CIA overreach under the guise of “security.” 01:48:38 – Kodak's Collapse and Chemical PivotOnce a photography giant, Kodak faces bankruptcy while pivoting to pharmaceutical chemical production, emblematic of industrial decline and moral compromise. 02:00:58 – The Never-Ending Drug WarOverview of the U.S. drug war's century-long failure, from early prohibition headlines to modern DARE campaigns, showing how it fuels violence, wastes resources, and erodes freedoms while enriching cartels and empowering the state. 02:08:38 – Special Forces Cartel at Fort BraggA Rolling Stone exposé details a drug cartel run by members of JSOC, involving Delta Force operators, Mexican gangs, and even ex-ISIS fighters, with multiple unsolved murders linked to the conspiracy. 02:17:29 – Murder, Smuggling, and Cover-UpsStory of two key figures—one murdered, one arrested—connected to a Fort Bragg trafficking network, with allegations of a “USB insurance policy” naming soldiers in an Afghanistan opiate pipeline. 02:19:35 – Trump's Military Plan Against CartelsExamination of Trump's directive authorizing Pentagon operations against Latin American cartels, drawing parallels to failed militarized drug war strategies in Mexico and Afghanistan. 02:40:47 – COVID-Era Euthanasia PoliciesReview of evidence suggesting governments accelerated deaths during COVID through Do Not Resuscitate orders, Midazolam use, ventilator protocols, and denial of care to vulnerable groups. 01:00:03 – Turbo Cancer & Medical System CorruptionJohn Richardson recounts his health scare, connecting it to G. Edward Griffin's work on cancer prevention. He describes how the U.S. medical establishment pushes surgery and pharmaceuticals while ignoring natural, preventative approaches. 01:04:25 – Stage 3 Cancer Diagnosis PressureWithin 24 hours of hospital admission, Richardson was told he had stage 3 colon cancer and faced intense pressure from 15 doctors to undergo immediate surgery, chemotherapy, and radiation. 01:18:18 – Apricot Seeds & LongevityHe cites the Hunza people's longevity and low cancer rates, attributing it to their daily consumption of apricot seeds and kernel oil, which contain amygdalin (B-17). 01:29:37 – Broken Healthcare IncentivesDavid Knight shares his own stroke and surgery story, exposing how insurance and hospital policies block inexpensive, beneficial treatments like high-dose vitamin C. 01:57:13 – Free Access to ‘World Without Cancer'Richardson offers a free PDF of G. Edward Griffin's World Without Cancer, aiming to equip the public with information to resist medical-industrial complex deceptions. Follow the show on Kick and watch live every weekday 9:00am EST – 12:00pm EST https://kick.com/davidknightshow Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHTFind out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

Neither of us were wearing a tie at all when we recorded this week's review of "Marge In Chains", an episode filled with laughs but never seems to know what it wants to be. As a parent, Marge's accidental theft due to sheer exhausion is VERY relatable, plus the Osaka flu outbreak took us back to the Covid days. Throw in some top-class work from Phil Hartman and you've got yourself a winner.If you enjoy this review, please consider supporting us on Patreon for as little as $1 per month at patreon.com/fourfingerdiscountListen on Spotify - spoti.fi/4fDcSY0Listen on Apple Podcasts - apple.co/4dgpW3ZCHECK OUT OUR OTHER PODCASTS:Goin' Down To South Park - spreaker.com/show/goin-down-to-south-parkThe Movie Guide with Maltin & Davis - themovieguidepodcast.comThe One About Friends - spreaker.com/show/the-one-about-friends-podcastTalking Seinfeld - spreaker.com/show/talking-seinfeldSpeaKing Of The Hill - spreaker.com/show/speaking-of-the-hill-a-king-of-the-hill-The Office Talk - spreaker.com/show/the-office-talk-podcastBecome a supporter of this podcast: https://www.spreaker.com/podcast/four-finger-discount-simpsons-podcast--5828977/support.

The 5 things you need to know before the stock market opens today: the White House is still working out the details of President Trump's plan to charge 15% export taxes on chipmakers' business in China, OpenAI's Sam Altman is working on a Neuralink competitor, the FDA is considering revoking authorization for Pfizer's Covid-19 vaccine for healthy children under age 5, Circle announced a new stock offering and a U.S. base in Anchorage is preparing to host the upcoming Trump-Putin Alaska summit.  Squawk Box is hosted by Joe Kernen, Becky Quick and Andrew Ross Sorkin.  Follow Squawk Pod for the best moments, interviews and analysis from our TV show in an audio-first format. 

Title: Travel Like a Billionaire: The 90% Off Secret to a First-Class Lifestyle with Eli Facenda In this conversation, Eli Facenda shares insights on maximizing travel experiences through strategic use of points and credit cards. He discusses his nomadic lifestyle, the entrepreneurial journey that led him to travel hacking, and the importance of understanding the value of different points systems. Eli emphasizes the need for a structured approach to travel, focusing on maximizing points, optimizing travel upgrades, and effectively using credit cards to enhance travel experiences. The discussion also touches on the significance of having a clear strategy for business owners and how to navigate the complexities of travel rewards. In this conversation, Eli Facenda shares his expertise on maximizing travel experiences through strategic use of points and credit cards. He discusses the importance of community in travel planning, innovative solutions for entrepreneurs, and his personal journey in the travel industry. Eli emphasizes the significance of experiential wealth and actionable steps listeners can take to enhance their travel experiences. Links to Watch and Subscribe: https://youtu.be/c7QqSscsajc Bullet Point Highlights: Seth and Eli kick off with casual banter about van life, audio gear, and the nomad lifestyle. Eli shares his background going from broke entrepreneur to travel-hacking expert. He explains how he got obsessed with using points after a free trip to Thailand changed his mindset. Eli now helps entrepreneurs take $20K–$50K luxury trips for 90% off using credit card points. His 3-part system includes maximizing points, optimizing travel perks, and redeeming for bucket-list trips. He gives a real-world example of booking a $20K ANA business class flight to Japan for just $12. Seth dives into a real-life org structure and Eli explains how points flow to the guarantor, not the LLC. Best practice: 2–3 business cards and 2–3 personal cards tailored to your biggest spend categories. Eli introduces his new “DreamTrip Alert System” that delivers full trip itineraries at massive discounts. In the Million Dollar Monday segment, Eli shares how he made, lost, and remade his first million. His next million will come from scalable digital products and a wider reach through content and community. What makes Eli top 1%: He walks the walk, traveling the world and running a business around it. His #1 tip: Pick your dream trip, put it on the calendar, and commit, then let the how figure itself out. Transcript: Eli Facenda (00:00.059) What's up, Seth?   Seth Bradley, Esq. (00:01.43) Yo, what's going on, brother?   Eli Facenda (00:03.237) How we doing, man? How we doing?   Seth Bradley, Esq. (00:05.141) Excellent man, what's happening?   Eli Facenda (00:06.893) Not much. you, how's the audio coming through here?   Seth Bradley, Esq. (00:11.032) Sounds good, sounds good.   Eli Facenda (00:12.547) it clean? Okay, because I'm, it's basically we're in the middle of a Nomad trip here, so I normally have like a, like a shirt mic like you have, but on the road I haven't had, so I haven't had to test this yet, but I figured the DJI's are pretty solid, so I wanna make sure it's actually coming through decent.   Seth Bradley, Esq. (00:16.962) Okay.   Yeah.   Seth Bradley, Esq. (00:26.732) Nice. Yeah, no, it sounds good. Sounds good, man.   Eli Facenda (00:29.425) Okay, cool, awesome. Awesome Dave, we'll get to connect with you.   Seth Bradley, Esq. (00:33.802) Yeah, brother definitely, so I don't butcher it. How do you pronounce your last name? Facenda, okay, cool. Cool Awesome, man. Yeah, we've we've crossed paths on social media. I think or maybe our va's have crossed paths who knows   Eli Facenda (00:39.077) for sender. Yep, yep.   Eli Facenda (00:47.663) Yeah, think that was where, yeah, think we were initially connecting, yeah, totally. Instagram, I think, was the place. Yeah. Because you're out in California, right? Nice, I'm in West Palm right now. And I mean, normally based in Austin, but we're in the middle of a like, six to eight month nomad adventure. And so we are, we're on the road here, and we go to Europe in a few weeks for like the next several months.   Seth Bradley, Esq. (00:53.42) Yeah, nice, nice, where you at right now? Yep, San Diego.   Seth Bradley, Esq. (01:10.446) Sweet dude.   Seth Bradley, Esq. (01:17.166) That's awesome dude, awesome, awesome. Love it man, that's a long time. So we did last May we did, man it's been like a year, geez. We did like 30, 33 days in a van trip. So we took our van up through Wyoming into Montana and into Canada. That was a long time for us, but 68 months. Right, yeah.   Eli Facenda (01:18.117) Yeah. Yeah. Thank you, man.   Eli Facenda (01:33.455) Nice.   Eli Facenda (01:37.465) sick. Yeah, well vans are intense too. You know, I haven't done van life but my fiance, she did that before and it was like a lot for her. But yeah, so totally depends on the way you're traveling as well. Yeah.   Seth Bradley, Esq. (01:47.266) Yeah.   Nice, nice. Cool, man. Just give you a quick rundown. our audience, my audience is typically, so it used to be passive investors, right? So it used to be the passive income attorney podcast. I think when we might've tried to schedule before and that was for investors. So accredited investors trying to get them to invest in my commercial real estate deals, that sort of thing. But now I've rebranded to raising the bar, which is more geared towards active investors and entrepreneurs and folks like that. So still,   Eli Facenda (02:10.619) Mm-hmm.   Seth Bradley, Esq. (02:19.982) Still, I'm sure your clients, wealthy folks that are starting businesses, that have businesses, that are raising capital for real estate or private equity or other types of businesses, that sort of thing. And then we'll do about, we'll do it a little on the shorter side. So we'll do about 30 minute interview, probably at the longest. And then we'll kind of just close that out. And then I do two little smaller sections that I break down into like little five minute episodes. One is a million dollar.   Eli Facenda (02:25.403) Totally.   Seth Bradley, Esq. (02:49.622) Monday I put that in the notes and it's basically just like real quick, like how you made your first million dollars, how you made your last million, how you plan on making your next million. then, yeah, and then the last one is the top 1%. Basically just kind of what separates you and makes you the top 1 % in what you do.   Eli Facenda (02:59.675) Cool. Yeah, I love it. It's great.   Eli Facenda (03:08.699) Okay, beautiful. And then as far as, is there any place you want me to point people that is connected to you or do you care if you're asking about that? I don't have any hard call to action kind of pitch thing, but it's more just like.   Seth Bradley, Esq. (03:19.916) No, man, whatever, it's up to you, man, whatever you want to do, whatever you, whatever call it action you want to use, if want to send it to your website or social media, whatever you want to do,   Eli Facenda (03:26.577) Cause you know what we do have, I can do this. We have a pretty cool playbook that's normally 150 bucks and I'm happy to give it to your listeners for free. So I could give them a code, just say what would be the best code for that?   Seth Bradley, Esq. (03:37.175) Okay, awesome.   Seth Bradley, Esq. (03:43.429) Um, just raise would probably be good. use that a lot for like call to action, like DME raise. So you could use a raise.   Eli Facenda (03:46.161) Cool. All right, so yeah, so I'll just say go to the website and just DM or just put in the code RAYS and you'll get it for free. But it's like a whole playbook on how to maximize points for trips. I've act like legitimately I've had someone buy it and within 48 hours he texted me a screenshot. was like, dude, I just saved 20 grand on a trip from your ebook. And I was like, wow, okay, it works. So it's good. Yeah.   Seth Bradley, Esq. (03:57.07) Sweet.   Seth Bradley, Esq. (04:09.366) Nice, Cool. All right, man, well, we're already recording, so I'll just jump right in, and then if I need to add anything to the beginning, I'll do that later. And cool, man, yeah, we'll just jump right in.   Eli Facenda (04:14.129) Sweet. You're welcome.   Eli Facenda (04:20.27) Awesome.   Eli Facenda (04:24.913) Let's do it.   Seth Bradley, Esq. (04:27.444) Eli, what's going on, brother? Welcome to the show.   Eli Facenda (04:30.181) Thank you man, excited to be here and I we're going coast to coast today so this will be good.   Seth Bradley, Esq. (04:34.382) Absolutely, man. So we chatted beforehand, but I think you're tuning in on a road trip right now. So you're living proof of what you do, right?   Eli Facenda (04:44.065) Yeah, totally. are, well this part's kind of like a road trip. We're in West Palm Beach right now, but this is basically leg number two out of, we'll end up being probably an eight month nomadic adventure with me and my fiance and our little puppy. And so we're in West Palm Beach right now in Florida. We head to Europe in less than a month and we'll be bouncing around different parts of Europe for about four months roughly before we decide where we're gonna go next, which we're not exactly sure.   Seth Bradley, Esq. (04:58.904) Nice.   Seth Bradley, Esq. (05:12.28) That's awesome, man. Are you using all your hacks and secrets and travel tips that you put out there?   Eli Facenda (05:18.449) Absolutely, yeah, 100%. I mean, we just got back from a crazy trip to Japan. This was really cool. I run an entrepreneur mastermind. So we integrated our own trip around Japan around this mastermind event. So I had 53 people come out for like eight days. We went snowboarding in the mountains in Niseko in the Northern Park. And then we went down to Tokyo for the cherry blossoms. But for myself personally, to get there and back and do a lot of the hotels, we used points. We saved over 50 grand just on that portion of the trip. We then...   know, flew down to West Palm on points and then going over to Europe and a lot of the stays over there will also be leveraging the point strategies that I help clients use and then I talk about on social media and the stuff that we'll dive into today. But yeah, I like to be living proof of it because it's pretty awesome. It's something that's really impacted my life. I love doing it. And when I do it, I get to share it too. So has like a multiple benefit for everybody.   Seth Bradley, Esq. (06:06.648) That's awesome, man. I'm excited, dude. I'm excited to dig in here, because it's just for my own personal benefit and education, because I'm super stoked about this stuff, and I travel a lot with my fiance, or my fiance, my wife, and it's something I'm personally interested in as well. We've had past conversations too, so it's great to have you on, man. So just to start off, man, if somebody, you meet somebody in the street, they ask you what you do, how do you explain that?   in a sentence, right? Like without going into some crazy like tangent about all the awesome things that you do. Like what, how do you answer that question?   Eli Facenda (06:36.453) Yeah.   Eli Facenda (06:41.329) Sure, sure, Yeah, it really does depend on the situation, but I oftentimes will ask a couple questions because it makes it easier for people to understand. So usually it's like, do you have any big dream bucket list trip you've ever wanted to take? And they'll be like, oh yeah, Greece. I'm like, well, what we do is we help you get to Greece in business or first class, stay in five star hotels, have the trip of your dreams at about 90 % off. So that's kind of the tagline is take the trip of your dreams for about 90 % off.   I'll get into the whole point side of things, but some people don't know what points are, or some are really well studied in that world. So I just leave with the trip because that's usually what people want. They want to have the experience where it's you and your wife flying first class, sipping champagne on the way to Paris to go see the Eiffel Tower and the points and the credit cards. That's really the mechanism. That's how we make the experience happen. But at end of the day, what we want is the amazing memories, the beautiful experience, all that stuff. So I leave with the trip when I talk about it.   Seth Bradley, Esq. (07:37.848) That's awesome, man. Yeah, I mean, you're literally selling the dream, right? Like in marketing, you sell the dream or hit on a pain point. Like you are like the quintessential selling the dream. Like that's what everybody thinks about. So.   Eli Facenda (07:42.969) Yeah, exactly.   Yeah, Right. Well, it's funny because, you know, in marketing, they'll say like, sell the destination, not the vehicle, right? They'll be like, sell the outcome, not how you get there. And so we do that in our marketing. But then when you think about it, when people are taking a trip, what we are helping them do is make the vehicle to get to the destination part of the destination. Because really, when you travel well, and you do it in style, the flight becomes a part of the trip that you're excited for.   I can't wait to see the the drinks and the champagne and the food they're gonna have and how awesome the seat is and the movie selection, how big's the screen. At least for people that love to travel, it becomes a fascination of the trip, not just getting there. So that's a big difference maker when people start to go on these flights, and this is what a lot of our clients will say, and for me, it goes from flying economy to like, I'm counting down the hours to get off this freaking plane.   to like, we do another lap around the city? Cause like, I'd love to just hang out here longer, right? And like the flight attendants treat you really well. So yeah, it's a whole experience.   Seth Bradley, Esq. (08:49.314) That's awesome, man. Yeah, that's great. Was there a trip that you went on personally where you just kind of thought, man, I can turn this into a business, right? Like you're just enjoying it so much that you just were like, like the light bulb went off or how did this business spawn?   Eli Facenda (09:04.515) Yeah, there wasn't one trip that I made the connection between like, trip is awesome, let me start a business. But there was one trip that gave me the light bulb of, my God, I am obsessed with this, I need to learn everything I can. There was zero intention or thought about business that when it first started. And that'll take you back about 10 years. So was around 22 years old and I'm just coming out of college. And basically I'm in my mom's basement and I remember this really...   like heavy feeling because I went to a good university near New York City and all my friends went to Wall Street and they were making like six figures plus right out of school. And I had this like entrepreneurial bug. I was like, that's not for me. I don't want to sit in an office. I don't care if I can make a lot of money. I want to like play life on my terms, even if it means I'm making less. So at this point I have friends that are making tons of money, know, lots of disposable income and I'm making like 20 grand a year. I'm working four side jobs. I was trying to build a company. I remember getting this text.   And my stomach just dropped, because I was like, shit, I'm going to miss out on this incredible experience. was friends inviting me to go to Thailand. And I was like, if I don't figure out a better strategy of either how to make more money or figure something out, I'm not going be able to go on this trip. And I was like, damn, this is going to be just a life of missing out on experiences. Is that what it means to follow my dreams with entrepreneurship? It's like, I have to forego everything that my other friends are doing. And so was like, let me think about this differently. And I had a mentor that told me, you don't need more money, you need a better strategy. And he was talking about growing a business.   But for me, I was like, oh wait, there's this credit card point thing. What if I could figure that out? So I ended up piecing it together. I got a trip to Thailand for free. I had this amazing experience with some of my best friends. It's like still, you know, 13 friends in Thailand at age like 22, 23. Memories you don't get back. So was really grateful to have that. And then I came back from that trip and I got another flight a few, probably a year later to Europe in business class where it was a $6,000 ticket that I paid $6 for. Now after that one,   I came off that flight and I was like, I will read every blog, I will watch every YouTube video, I will learn everything about this because it meant I could travel the world and have this incredible lifestyle without having to go take a corporate job. So was like, I get to have my entrepreneurial dream and the travel I want without any trade-offs and I was like, this is amazing. So that was my first time I got hooked. It took me years of researching and reading blogs and websites and doing stuff for myself before I even had the thought of helping anyone else. I just became obsessed with it on my own.   Seth Bradley, Esq. (11:27.086) I love that you recognize you had the entrepreneurial bug early on, right? Before you got drugged down into the corporate ladder and then you got the golden handcuffs, we like to call it, and that sort of thing where it gets much, much harder to escape that gravity. I know for myself, it took a really long time. ended up going to, I went to med school, then I got my MBA, and then I went to law school, and then I worked in a big law firm, and it just took me all this time to figure out like, I don't want this.   Eli Facenda (11:38.405) Yeah.   Eli Facenda (11:49.201) Mm.   Eli Facenda (11:56.763) Right, well the social pressure alone of like everyone year round is going one way, it takes a lot of guts for you to zig when everyone else is zagging, like it's not easy to do. Yeah.   Seth Bradley, Esq. (11:57.015) And I think it's.   Seth Bradley, Esq. (12:06.648) For sure, for sure. Yeah, it's tough. It's tough, right? And especially when you see your friends making six figures right out of college, you're like, man, I could do that right now if I wanted to do it, but I don't want that. So it takes guts to be able to go out there and do your own thing.   Eli Facenda (12:21.873) Totally. And I think everyone has their own version of that still. There's even vert flavors of that today that are still existing for me where it's like, everyone's kinda going this way, but when I really get quiet and listen to myself, I'm like, yeah, you could do that, but you actually, what your soul or your heart really wants is to go over here. And so I've always just tried to listen to that more because I think about one of my North stars is, at the end of my life, I'm 80, 90 years old, I do the rocking chair test and look back, it's like,   What regret would I rather not have when I'm 90? I'd always rather be like I bet on myself than like I took the sure, you know, the well-paid path, which is the old cliche, but I think it's really true.   Seth Bradley, Esq. (13:01.004) Totally, I love that North Star, man. Have you ever asked ChatGBT to give you advice as your 80 or 90 year old self on your deathbed? It's great. Yeah. I love it, man. I love it. Yeah, it's great. It you great insight. You start reading, you're like, this is good.   Eli Facenda (13:07.409) Yeah, yeah, I actually created a custom GPT and it's my future me that coaches current me. yeah, exactly. Yeah. Yeah.   Right. Exactly. Yeah, totally.   Seth Bradley, Esq. (13:21.326) Awesome man, well let's get back kind of on the business of travel, right? So somebody comes to you, they do that introduction that we talked about, you get in a deeper conversation, they're super interested in it, they wanna learn more about these travel hacks and strategies, like where do they start? Where do you point them?   Eli Facenda (13:42.447) Yeah, so in terms of the process, I like to chunk it into three main buckets.   And it's important to have context around this game because if you don't, it just starts to feel like there's so many moving pieces and who has time for that and it's too confusing and then it becomes overwhelming and overwhelm just basically leads to an action. And then that is the person who's like, well, I just don't wanna do that, I'll just take a cash back card or I'll just stick to my Delta card, right? And so when you have the right context, you can start to understand the highest leverage moves to make and then you know really how to get the result you want with the least amount of effort. So that's what we focus on and specifically like I've worked with   probably over a thousand business owners now. And with business owners, investors and entrepreneurs, it's a different, the points game takes on a different context, right? Because usually the constraint we have to solve for is time and complexity. And if you work a nine to five, you know, after five o'clock, you've got hours for your night. But entrepreneurs, it's like every hour is kind of an asset that you can use. So it's a little bit different. So the three buckets are, the first one is to maximize the points that you earn. So this happens from getting the right cards and the right expenses.   because all of these different points are like currency, so you wanna earn the right type of points and then you wanna maximize the amount of them by getting the right cards and the right expenses. So that's the first piece and that's really, really key, because nothing else happens if you don't get that right. The second bucket is gonna be to upgrade and optimize your travel. So you've got domestic trips for a conference, are you getting TSA pre-check and clear, are you getting the best lounges, are you getting first class upgrades and free bags and hotel suite upgrades and free breakfast at the hotels and free wifi. Really it's just like,   There's all these opportunities available for people that are traveling domestically for work, for family events, you know, your kind of ordinary traveling might have. And what we want to do is we just want to enhance the quality of all of that and reduce all the headaches and annoyances by maximizing benefits on cards and status perks and all the kind of like little tactics that you can play. So that's the second thing that just makes your travel more comfortable. And then the third bucket, which is really the most important in terms of impact in your life and the most meaningful piece is to take your dream bucket list trips for 70 to 90 % off.   Eli Facenda (15:45.775) And so that's where you're gonna take the points you've accumulated. You're gonna use some strategies that I can break down here around transferring these points from the banks to the airlines and hotels, and you're gonna get these dream trips for literally a fraction of what they should cost if you're paying cash, or compared to if you were using your points through a site like Amex Travel or Capital & Travel or Chase Travel. Okay, so that's a mouthful, but those are the three. So maximize your points, get the best possible upgrades, and then take your dream trips for 90 % off.   Seth Bradley, Esq. (16:13.934) Yeah, dive into one of those little those connecting strategies there that you mentioned.   Eli Facenda (16:19.183) Yeah. Yeah. So I'll talk first about the cards. That's the order. This is the first mistake that most business owners and individuals are making is they're just getting random cards. They're like, well, I live in Dallas. Let me get the American card or live in Atlanta. So I'll get the Delta card or, whatever it may be. Or live in San Diego and I fly domestic. So I'll just get the Southwest card. Well, they don't realize is that again, these points, these points like currencies. And so if I told you, Hey, do you want 150 Mexican pesos or 150 us dollars for your couch that you're selling on Facebook marketplace?   you're obviously gonna take the US dollars, right? Because the currency is much higher. But with points, people don't realize that. So they might be racking up Hilton points or Delta miles or other points and miles that just aren't as valuable as other ones out there. And then they burn through them quick or they don't go as far. And they end up just basically sitting there being like, I feel like I should be getting more. This is the common thing I hear. I feel like this should be taking me further, but like it's not doing much. And so what we wanna focus on is bank points that are transferable. So certain banks,   have this ability to convert the points to the airline hotel loyalty programs. And what happens is the banks have a different way of pricing than the airlines do. And certain airlines and certain hotels have really good what we call sweet spots or opportunities for you to get the best possible deals. Okay, so when you earn these effective points, which the top ones I recommend are generally Amex, Chase, and Capital One, and there's a new program built actually is out where you can put your rent on a card with no fees and earn points, it's really cool. But when you get those right,   And then you look through your expenses and you say, what do I spend the most on? Is it groceries and dining and the personal side? Cool. There's a card like the Amex Gold that is specifically really good for those types of expenses. Then you look at your business. What do I spend a lot on? Is it ads and software and taking clients out for dinners? Great. The Amex Business Gold earns four points per dollar on those categories, but maybe it's you're spending a lot on flights for company travel, or maybe you have inventory you're buying, or you're paying a lot of contractors, or you have a lot of payroll. You want to assess where you're spending the most money.   and make sure you have the optimal card lined up for that type of expense. So I'll pause there, but that's kind of the first bucket. The other one is on using the points effectively, which I can talk about too, is pretty powerful. But that first one is really the linchpin. Because if you have a bunch of Delta miles and you want to go to Europe, I'll give an example actually one more before I kind of pause. There was an example recently I saw of a client and they wanted to go to Europe and we're looking at different options. This was from JFK to Amsterdam. If you have Delta miles,   Eli Facenda (18:43.547) The ticket for Delta One, this big awesome Delta Suite, was 320,000 miles. That's what Delta was charging to go from JFK to Amsterdam. It's really expensive amount of miles. But the same exact flight, like same flight number, same aircraft, everything, if you booked it through Virgin Atlantic, it was 50,000 miles. One seventh of the amount almost. It's really, really big difference. And so here's the kicker, right? If you have a Delta card, you only earn Delta miles, so you have to pay the 320,000.   Seth Bradley, Esq. (18:46.765) Mm-hmm.   Seth Bradley, Esq. (19:02.124) Hmm.   Eli Facenda (19:12.497) but if you had an Amex card that earned Amex points, so like the Amex gold or business gold, you could actually convert those points into Virgin to book the Delta flight because Virgin and Delta are partners, and you'd pay 50,000 points instead of 320,000. So this is the part where like, for people that kind of get this, they're like, whoa, and the other people are like, what did you just say? So I get it can be, it can be tricky for some people that are just getting to grasp it, but I want to make sure to lay out the whole game so people can understand really what's possible for them.   Seth Bradley, Esq. (19:34.764) Yeah   Seth Bradley, Esq. (19:42.329) Totally, totally. Yeah, it's just, mean, I'm sure people out there listening, it's both, right? Some people know these things exist, but they don't know the extent of it. And you're opening up their minds regardless, right? Like all the possibilities. I think most people are just like, sure, I need to find a great car that has a welcome offer of some sort. That's usually what people look at. And then they just try to pick, perhaps they take it a step further and they're looking to see like what they spend money on the most and they'll...   Eli Facenda (19:54.139) Tour then.   Eli Facenda (20:04.443) Mm-hmm.   Seth Bradley, Esq. (20:11.128) calibrate that card to that. But you're taking it step further because you know, it's kind of just opening yourself up to knowing all the possibilities, right? All these different connections, where to spend the points, where you can earn the points, those sorts of things. How thick is your wallet, man? Do you have, is your wallet like this and it's got 25 cards in it or what?   Eli Facenda (20:19.419) Totally.   Right. Yeah.   Eli Facenda (20:28.123) Haha   Yeah. Yeah.   Well, caveat this first by saying when we work with clients and we might do recommendations for people, I always recommend if you have a business, two to three personal cards and two to three business cards. That is a simple way to set this up. That's only four to six cards across both things. That's enough where you're really gonna get some serious ROI, but it's not so much that's really complicated. Some people are kind of curmudgeoned about it, like I only want one card. And I'm like, that's fine. There's no right or wrong in this. It's really preferential, but you should just know if you do that, you're gonna be leaving for most business owners that spend at least a few thousand a month.   that's gonna cost you tens of thousands of dollars of free trips a year. So I'm like, is your simplicity of having one card worth that much? If it is, great, but maybe having a second or third card doesn't add that much complexity. But if you get an extra $30,000 a year trip out of it, probably worth it, right? So that's the first thing. But to answer your actual question, so I have an entire thing called the Credit Man purse. It's like this portfolio binder, and it's just stacked with cards. I mean, I have over 40 credit cards, but I've been doing this for a long time, right? And there's like, here's the thing also with credit.   Seth Bradley, Esq. (21:28.28) Hahaha   Eli Facenda (21:34.041) A big question, a lot of investors, specifically people that are doing real estate or business owners, really want to their credit clean and we're huge advocates of actually not just keeping your credit score the same but improving it over time. And when you get business cards, they don't show up on your personal credit report. Okay, the vast majority. The inquiry will, but the actual card won't. And some banks, you can actually get multiple cards with no additional inquiries. So like when we do a custom card plan for someone or when we're just recommending it, we're always saying like, make sure to look at which banks you already have relationships with.   Seth Bradley, Esq. (21:48.142) Mm-hmm.   Eli Facenda (22:02.373) which ones you can get a soft pull from, the order matters of these card applications. But at end of the day, you just want a couple of specific cards that are really gonna be custom built for you, and you don't have to go crazy with it. If you get excited and you're like passionate about it, you can get 10, 15, 20 cards over the course of several years, and if you do it right underneath your businesses, it's not gonna drop your personal credit score. Your personal credit score will actually go up over time.   Seth Bradley, Esq. (22:26.314) Mm-hmm. That's a good hack, man. I'll get I'm put you on a spot a little bit. I'm gonna explain like what what I see a lot of the people that are probably listen to this show have in place structured wise like organizational structure and it's kind of similar to mine. Mine's probably a lot more complicated, but just to keep it simple, you know, there might be a parent company, right? Like this overhead parent company that owns everything. So let's let's call it parent company, right? And then below the parent company, the parent company owns, let's say a management company.   This management company probably manages funds, manages properties, manages equity for investors, that sort of thing. And then they also might have these other businesses, right? Like it just depends on the person. Like for instance, I own gyms and some other, my law firm, things like that. So they might have these own individual operating companies that owns a gym or owns another business or does these other things. you know.   Eli Facenda (22:55.889) Mm-hmm.   Seth Bradley, Esq. (23:20.066) Based on that structure, so you've got a parent company, you've got a, let's call it an equity management or fund management or property management company, and then you've got kind of this other operating business. How would you structure, what credit cards I guess would you kind of recommend? Not necessarily specific ones, but like, do they need one for all three or, yeah, how would you think about that?   Eli Facenda (23:27.301) Mm-hmm.   Eli Facenda (23:36.593) Yeah, yeah, but how would you think about that? Yeah, totally. I mean, it's a super common question. Like this is exactly the kind of clientele that we work with all the time where they're like, are you sure this is gonna work for me? I have four rental properties, two companies, one holding company. I have an investment thing. I have this thing over here. It's like, yeah, it all works. So simple is the key. So it's always a spectrum too. Like some people are, again, really minimalist with like what they want. we always, like when we're doing this for a client, we custom build it. But.   The real recommendation there is we wanna, again, assess which of these companies are actually generating the highest amount of spend. And those are the ones we wanna start with first in terms of cards and really optimizing. Now, if you have a bunch of different companies and they all have a bunch of spend, the first key thing to know is that the points will go to the business owner, the person who personally guaranteed the card, not to the business. So there's no business points account. It's underneath your name, even if it's underneath the LLC.   So the points go to you. So if you have like six different companies and you have like three Chase cards and three Amex cards, all of those three Chase cards and all of those three Amex cards are gonna basically funnel up to your account, okay? So that keeps it simple in terms of how you can think about accruing these points. They're not gonna be scattered everywhere where you can't use them. So that's good to know. Same with the airlines, right? doesn't matter if it's an airline or a bank card. So that's the first thing. For these management companies, usually lot of them don't have much spend.   So what we'll tend to do is just get one card that is like a catch-all card. And so this would be a card that we want to have earn around 1.5 to two points per dollar spent. Because what we've done is we've taken the floor of what you're gonna earn on your everyday spend and we just increase it by 50 to 100%. Okay, so like let's say a parent company is used for some client meetings and some basic legal and admin stuff and it's like 1,500 bucks a month just to do upkeep and normal stuff like that.   and it's not a crazy amount of different categories to spend. You're not running ads, you don't have that much software, there's not really a lot travel happening with it. But if that's the case, then what we wanna do is get a card, maybe like the Chase Inc. Unlimited, which earns 1.5x on everything, and we'll say, look, we're gonna keep this simple. That holding company doesn't have a lot of points earning power, so let's make sure we get a card on it just to earn, but we don't wanna like go crazy and get a bunch of cards and try to maximize every dollar. But this company that owns four different gyms and spends...   Eli Facenda (25:52.369) 50K a month on equipment and advertising and payroll and all this stuff, that's the company where we wanna look to get maybe two or three cards that are specifically aligned with that business to spend because that is where you as an entrepreneur, as an owner, are gonna be generating the most return. It's gonna be from that one entity. So I hope that breaks it down in a way that makes sense, but this is also where, again, having your cards across two to three main banks will keep it relatively simple because even if you have four different entities, if it's under one Amex login, that makes it nice and easy too.   Seth Bradley, Esq. (26:22.53) Totally, totally. Awesome, man. I knew you could handle that. Easy, easy peasy. Cool, man. Let's go to number two, right? Using the points effectively. You kind of touched on a little bit of that strategy, but let's jump into that.   Eli Facenda (26:26.682) Easy basic.   Eli Facenda (26:32.709) Yeah, yeah, so the second thing was optimizing the upgrades and all that. I'll cover that one really quick. If you're going through the airport and you don't have TSA PreCheck and clear and lounge access, you're missing out on some really easy perks that will just make your life way more enjoyable. So that's the first thing. There's a lot you can do with hotel upgrades and status. So like when I travel and go to Miami tonight for a conference, I have status at Hyatt. I'm staying at Hyatt for two of the nights down here.   Seth Bradley, Esq. (26:39.628) Okay.   Eli Facenda (27:02.225) I probably would get upgraded to a suite that's worth like thousand to 1500 bucks a night because I know how to use the suite and I certificate, it's my globalist status, I know how to message the hotel the right way. So there's some strategies there where if you do that, whenever you're traveling, you just get a much better experience. You get early check-in, late check-out, the free suite upgrade, much more spacious room. A lot of times they have lounges at the property like when we were in Tokyo, a bunch of us stayed at the Grand Hyatt there. They had a beautiful lounge overlooking the city. They had breakfast every morning.   They had drinks all day. They had a great lounge area. We actually had a mastermind session in there and they like a 15 person breakout room for us to go to. It cost us $0 to use it. They had afternoon drinks and stuff like that. So these are just the things that make your travel much better. So small tweaks that over time just again, make it a much more enjoyable experience. But that bucket on how you use your points, this is one of the most critical pieces. And I've already kind of alluded to it with that Delta One example, but   I'll share another one. So on the way to Japan, right, we flew ANA business class. This is all Nippon. It's one of the premier airlines in the world for international business class travel. They actually have a seat called The Room because it's so spacious and big, your own big sliding door. They have like an omakase menu. You've got ramen, champagne. It's like really, really good. Amazing sake and green tea and all this good stuff.   It was like an incredible way to fly and you know, it's an 11 hour flight and I didn't sleep a wink because I was just eating the whole time. But here's the deal, right? So that flight for my fiance and I, it would have been $20,000 for the two of us. It's 10,000 a piece. Okay, San Francisco to Tokyo. We're going in peak season, mind you. So I have three options to book that flight. I pay cash for it, which you know, I do decent in business, but I'm not dropping 20 grand on flights.   just to get to Japan, like that's out, that's way out of my bucket of what I would ever want to do. The second option, I go to the bank site. Okay, so again, if you have AMEX points, a lot of people have AMEX cards, like the platinum or the gold card, and this is a good start, but when you go to the bank site, each point is worth one penny. Okay, this is the baseline value of a point. So what happens is if you go to AMEX travel, they'll say, okay, this flight would cost, let's call it 20 grand. So 20 grand times one cent for each point equals 2 million points.   Eli Facenda (29:20.977) So my second option would have been to go to Amex's site and pay two million points, which I don't even have. Okay, so I'm like, that wouldn't have even worked, but that's what most people are doing at use points. They're going directly to the bank site and they're booking using Amex travel and they're getting absolutely screwed. Okay. There's kind of, and then there's a third option, which is to go through the airline site. So there's like three A and three B. Three A would be like, again, you only have Delta miles and you're kind of screwed going just to Delta. I don't recommend that. But the last option is what we did.   which is where we had Amex points and Chase points, and I looked at my different options and I said, okay, what are the best partner airlines I can book through to get to Japan? Well, it turns out, ANA is a part of the Star Alliance, okay? United is also part of that alliance. Chase and United have a partnership where I could convert my Chase points into United miles. When I looked that up, I ended up finding the deal and there's ways you have to kind of search this and track it, but that same flight that would have cost me two million points,   through Amex or Chase travel directly cost me 220,000 points to transfer from Chase to United. And I paid $12 out of Okay, so $20,000 flight, I paid 12 bucks. But how did I do it? I had the right points first. I had enough of them because I had the right cards and the right expenses. I knew how to search for this flight. And then I was able to transfer these points from Chase into the airline. So the hardest part of this entire process   Seth Bradley, Esq. (30:30.402) Hmm.   Eli Facenda (30:49.413) is figuring out the points transfers and which partners are the right ones for certain airlines. That gets very nuanced and complicated. It's kind of like, you know, if you were talking to a CPA and someone's trying to explain how like the Augusta rule works, whatever, and like the CPA pulls up like the tax code and is like unveiling this long list of tax jargon. The average person is just like, what, just like tell me how to do it, right? That's kind of the same thing here. There's a lot of different like angles and transfer partners and bonuses and.   Seth Bradley, Esq. (31:12.43) Right.   Eli Facenda (31:17.689) alliances and partnerships and it gets kind of complicated but that's how it works.   Seth Bradley, Esq. (31:22.434) Totally, totally. So let's talk about that. how do you help people keep track of that or learn that or execute, I guess, on these strategies?   Eli Facenda (31:32.241) Sure, yeah, so for us, our company really has two main levels to it. So we have a community-based level where it's like you're just getting the fast track, you're getting help from experts. So I'm really good at this, but I'm more of an entrepreneur than a points nerd. So as I built this, initially I was the one on the phone with all the clients, walking everyone through it, and then I built a team. So I found basically some of the other points nerds in the world that I was mind blown by. I knew them from social media and just seeing their stuff, and I was like, that person has their stuff. So I brought them onto the team.   And so our clients will interact with both me and them inside of our community, but it's not just points. We're also providing really cool travel experiences. So for example, I posted this, but I'm going kiteboarding in Egypt in June on this epic like entrepreneur kiteboard trip where it's 40 entrepreneurs going to learn how to kiteboard together and masterminding on one. And so I'm attending, I sent it out to our clients and I said, Hey, if you want to come on this, our team will help you plan the flights out there on your point so you can get business class on the way out.   So I like to, because ultimately I wanna help people, my mission is to help people create more experiential wealth in their life. There's financial wealth, and a lot of people accumulate dollars, but they're not turning it into experiences. So I'm like, let's create more experiential wealth, and the points are the way to justify it. So we have that community level where you get access to our team, there's calls you can jump on, ways we help you plan trips, and then we have the done for you services, where we basically just handle it for you. That's more like, think of like a travel agency on points for entrepreneurs.   That's more of what that is. And in there we'll do the custom card planning and map out what cards you need based off of what your specific spends are and stuff like that. So we do some pretty deep intake. And we kind of are almost like a travel agent. It's a little bit different in some ways, but that's basically the two levels in how we help people.   Seth Bradley, Esq. (33:12.29) Great, man. I love how you build in the experience, right? Like that's part of it. Like that's what you're teaching anyway. So it's like, it's not like, hey, join this, join this group and then we'll talk about all these things. You're actually doing it. You're actually inviting them to execute on what you're teaching so that they can see it in motion and then they can continue to do it and experience life at a different level.   Eli Facenda (33:32.497) Absolutely. Yeah, I mean, like, I really love it too. like, I'm like, everyone that works with us is really, usually a pretty cool person. Like, if you're an entrepreneur and you have the guts to build your own business, and then you wanna travel the world, like by nature of that, you're already probably a pretty cool person. Like the majority of people that are doing that, I think well-traveled people are some of the most interesting people. If you want the best stories in life, like, someone who's traveled the world is gonna have some stories for you. And so when you combine those two, it's like, these are people I wanna hang out with anyways. So like, I'm going on a trip to Egypt. I'm like, come with, like.   Whoever in the community wants to come, let's have a party, let's go do it. So it's great thing.   Seth Bradley, Esq. (34:04.994) That's great. Awesome, man. How are you raising the bar in your life and your business right now? Like what are you doing to build your business further, building off of some of the things that you're offering right now? Where are you taking it to the next level?   Eli Facenda (34:18.833) Yeah, so we have a new project we're rolling out inside of our community, which I'm really excited about, which is even just in our lower tier membership, and it's called our DreamTrip Alert System. So what this is, is when people come in, this has never been done before in the world of points and miles or travel at all. So we're the first to do this, which I'm really excited about. So let's say you were to sign up. You're gonna come in and give us your DreamTrip destinations, the seasons or windows that you could go, the points you have, your home airport, all this stuff.   and our team is going through and we're not just finding you like a flight, because there are different alerts out there that'll be like, hey, we found a flight. And it's like, cool, one way from LA to London, but like, what am I gonna do when I'm there? Where am gonna stay? How am getting back? Right, it's like part of the puzzle, but it leaves a lot on you to figure out. And for our clients, most business owners and entrepreneurs, investors, they're too busy to piece all that together. So they're like, well, cool, that doesn't really help me. So we decided to do, we said, what if we...   just basically sent people like a mystery subscription box of their dream trips. And so when you come in and you fill that out, we gather it. And then a couple times a month, we're gonna send out alerts where it's like a 30, 40 or $50,000 type trip, somewhere incredible in the world. We're talking Greek islands, Amalfi Coast, Japan, New Zealand, African safaris, Maldives, Bora Bora, places like that, business and first class flights, five star hotels, four pennies on the dollar. So these are like, we get $40,000 trips where people will end up paying a thousand bucks, 1500 bucks, two grand out of pocket.   Seth Bradley, Esq. (35:25.389) Mm-hmm.   Eli Facenda (35:44.337) And so we're gonna send the entire trip to you. So it's like the flights, the hotels, the entire step-by-step booking, the recommendations on the ground, the entire experience. And so we're sending those out so people come in, they tell us when, where, like the things they wanna do, and then they're just gonna get these alerts where it's like every month they're gonna be like, you you're sitting there with your wife, hey babe, you wanna go to Bora Bora in like June? It's gonna cost us like 800 bucks and it would be a $30,000 trip. It's like that's what I want. That's what I wanna create. So that's us raising the bar in the industry and in our business.   Seth Bradley, Esq. (36:06.35) you   Eli Facenda (36:13.615) I'm very excited, it's brand new for us, so I'm just pumped to see that continue to roll out, because it's, for me the mission is to help people live with experiential wealth in the form of travel. And so, usually there's some barriers that get in the way. There's time, there's planning, and then there's cost. And what we're trying to do is eliminate as many of those barriers as we can to make it just easier to say yes to the trip.   Seth Bradley, Esq. (36:34.252) Yeah, man, sign me up, dude. Sign me up. I feel like you've got to get both significant others on your list, right? So they both see it and whoever's like the person is like, we've got to do this, you hit both of them and then they convince the other one to do it.   Eli Facenda (36:36.625) All right.   Eli Facenda (36:49.477) Yeah, right. Yeah, exactly. There's usually one. There's usually like sometimes it's the husband's on the call and he's like, dude, I don't know where we ever travel. Like I'm gonna pay for this, my wife's gonna do everything or it's the opposite where the guy's like, you know, she just shows up and I tell her where we're going. And so like that's my relationship. I'll be like, you know, it's my industry, my passion. I'm like, we're going here and then here. And she's like, tell me where to be. And she just has no idea where we are and she just loves it. And I'm like, I like planning. So, you know, but it's different for everybody.   Seth Bradley, Esq. (37:11.736) Yeah.   Seth Bradley, Esq. (37:17.144) For sure, for sure, man. All right, brother, this has been incredible. Tell our audience where they can find out more about you, where they can get involved with all the things, all the incredible things that they've heard on this show. Throw it out there,   Eli Facenda (37:28.859) Totally. Yeah, a couple of main places. So the first thing I'll share is that we have what I call the CEO Points Playbook. This is something I custom built. Took me a long time, and this was not a Chad TBT prompt. Like, I really built this on my own. And it is like a 30 to 40 page playbook that any business owner or entrepreneur can use to really maximize their travel experiences, get better bucket list trips, figure out the right cards for them. And it's normally 150 bucks, but if you go to freedomtravelsystems.com   forward slash playbook and you put in the code RAYS, you're gonna get it for free. Okay, so anyone listening, it is free for you. And so that's gonna be freedomtravelsystems.com forward slash playbook and then use the code RAYS, maybe we can put it in the show notes. And so that'll be the first thing. Second place is if you're like just want done for you services, just take off that forward slash and go to freedomtravelsystems.com. can talk to myself and one of the team members. And the last place, I hang out on Instagram and post a lot there, that's where we connected.   Seth Bradley, Esq. (38:14.049) Absolutely.   Eli Facenda (38:27.595) And that's where I'm sharing the most like behind the scenes and as I'm booking this stuff, as I'm planning it, as I'm showing like what our clients are doing, you get to see more of the visuals and the fun and come along for the ride. And so I love engaging on Instagram as well.   Seth Bradley, Esq. (38:40.27) Great. Thanks Eli. I really appreciate you coming on the show,   Eli Facenda (38:43.973) Thanks Seth, appreciate you having me on.   Seth Bradley, Esq. (38:45.806) All right, brother, talk soon.   All right, sweet dude. Nice. Yeah, right around 30 minutes. Let's see. Yeah, we'll just jump into these last few questions here.   Eli Facenda (38:51.748) Awesome.   Eli Facenda (38:55.205) Perfect.   Seth Bradley, Esq. (39:03.862) Welcome to Million Dollar Monday with Eli Fisenda. Let's just jump right in. Hey brother. Yeah, how did you make your first million?   Eli Facenda (39:09.243) Let's do it.   Eli Facenda (39:13.499) So I actually made my first million in a tour company. Now I made the first million, I didn't get to keep the first million, but what we were doing, we were running sports trips all over the world. This is actually part of how I fell in love with the travel industry and the work that I now do with points. And ultimately what we were doing, we were creating these international tour packages for youth sports teams and families to go on these international tours. think of like a 14 year old baseball team in your, you're in San Diego. We'd like do a selection of kids.   Seth Bradley, Esq. (39:19.694) Sure.   Eli Facenda (39:41.329) from that area and the families would come and they would go to Japan or Italy or wherever and travel for 10 days, experience the culture, have an educational tour and also play the local teams. So we did that in a variety of sports, ice hockey and baseball and lacrosse and all these different sports. And we were growing a lot and then that was ramping right until COVID and that just decimated the entire business. we took us about two years to get to a million and then we started to double almost every year for a few years and that was like.   Seth Bradley, Esq. (40:02.432) Mm.   Eli Facenda (40:09.399) Really, really tough break at COVID, but that was the first million.   Seth Bradley, Esq. (40:11.63) COVID man. Nobody saw that coming. mean.   Eli Facenda (40:13.881) No, definitely, you know, group, large, large group sports international travel was like the worst potential. Like you can't go overseas and you definitely can't do it with 60 people. So was, was a brutal industry to be in.   Seth Bradley, Esq. (40:25.506) Right? Yeah, there were certain sectors that just, I mean, there was nothing you could do. We opened up our first gym actually two weeks before COVID hit in 2020. we had our, us like two years to open and then our grand opening. And then we had a bunch of free clients in those first two weeks. And then they ended up being free clients for about a year because we couldn't charge them. Cause we couldn't get them back in the gym. We're doing online workouts and all that kind of stuff is insane.   Eli Facenda (40:36.817) Ugh.   Eli Facenda (40:47.696) Wow.   Eli Facenda (40:53.337) And that's like where the true entrepreneurial muscles are definitely strengthened in times like that though. mean, like the people that bounce back and figure it out, like you just have a new sense of confidence of like, you know, I can handle anything.   Seth Bradley, Esq. (40:54.22) But hey, we adapt,   Seth Bradley, Esq. (41:06.764) Yeah, man. I mean, you pivot, right? Like I actually ended up launching my first podcast during during COVID because I was stuck inside and it was like, all right, let's let's do this. Let's get on Zoom and interview people and all that kind of stuff, man. So that leads us right to the next question. And how do you make your last million? How do you make that transition?   Eli Facenda (41:12.859) Cool.   Nice. Cool. I'll it.   Eli Facenda (41:24.143) Yeah, so the last million that I made was in the current business that I have. so essentially what we've been doing there for about four years now is helping entrepreneurs maximize their travel on credit card points. So helping them get their dream bucket list trips, these 30, 40, $50,000 trips all over the world for about 90 % off by leveraging credit card points. And we've traditionally had some pretty high ticket services. I mean, not crazy expensive, but like, you five, 10, 15 K and that range has been the main main service. And so,   We cracked our first million about two years in, so that was 2020, 2024 actually was the first year we made a million there.   Seth Bradley, Esq. (42:00.526) Awesome man, awesome. How about your next million? Where are you scaling to?   Eli Facenda (42:04.305) Yeah, so the next million I wanna make is the same business. love what I do, I really enjoy it. And what I wanna do is do it in a more community oriented and lower ticket way. So I wanna have bigger reach, more digital products, more of the community, more affiliate services and stuff like that. And I'm really excited about kind of cracking the code on that, because we've done it decently with the higher ticket stuff, more agency level, service level stuff, which is great. And we're still cranking on that, we're gonna keep growing it. But I really wanna see what we can do with...   So the lower ticket stuff, creating awesome stuff on YouTube that leads to different channels and distributions there. So that's the next million and same business, just different type of money.   Seth Bradley, Esq. (42:41.57) I love it man, yeah, that's kind of opposite of how some people approach it, right? You usually start with a lower ticket and then you have to build up that base before anybody will give you, you know, higher, pay for that higher ticket product, but you're kind of working backwards because you want to help more people.   Eli Facenda (42:56.677) Totally, exactly, yeah, and there's a limit. mean, what we do in the high ticket is incredible, but it really is a specialized skill. Like you think about like a bookkeeper or an accounting firm or something, like there's like a million bookkeepers. There's like 50 people that know points and travel to the level that I need them to know it to really serve clients with the highest level. So there's a real limit on the ability to scale that. And so it's also just like, we wanna be able to do really quality work for less people, but then serve more people with the other stuff too.   Seth Bradley, Esq. (43:25.368) Totally, totally.   Seth Bradley, Esq. (43:29.518) Cool, let's jump into the next one dude and we'll wrap up. Eli, you're clearly in the top 1 % of what you do. I don't even know if there's that many people out there that do what you do at all, period. So clearly in the top 0.0001%, what is it about you that separates you from the rest of the field?   Eli Facenda (43:49.701) I think it's our ability to actually live what we preach. This is something where, you know, there are other fantastic people that talk about credit card points, but very few of them are actually business owners, like that's who we serve, and very few of them are actually traveling in the way that they're trying to help people travel. So we've done both. I've built multiple businesses, so I understand the psychology and the relatability of how you wanna think about travel and points and the various stresses in your life, the limitations on time and complexity. And I also,   Seth Bradley, Esq. (44:06.062) Hmm.   Eli Facenda (44:20.636) What just happened?   Seth Bradley, Esq. (44:22.998) I'm not sure. We can splice it together, but let's see. Lost the video.   Eli Facenda (44:26.748) Let me see here. Did my camera die or something?   Bizarre. second.   Seth Bradley, Esq. (44:36.076) Yeah, weird. Never had that happen.   Seth Bradley, Esq. (44:42.038) Not a big deal, we can splice it together, but let's see if we can get your camera working again.   Eli Facenda (44:46.992) Don't see my camera get help. Is the audio coming through okay? Did it switch over there to my MacBook from the other one? Or it sounds the same.   Seth Bradley, Esq. (44:51.564) Yeah, I can hear the audio.   Seth Bradley, Esq. (44:57.806) I don't know. All I see is like a car. It's like I don't know. It's a card with a symbol on it I wonder what that is that riverside or is that your symbol? I can't be your symbol   Eli Facenda (45:06.556) weird. Get help.   Eli Facenda (45:12.006) Let me see.   trying to check this out.   Seth Bradley, Esq. (45:19.458) We can also just finish it with audio.   Eli Facenda (45:23.556) Is it, Dude, I don't know what's going on. Sorry about that. I've never seen...   Seth Bradley, Esq. (45:28.654) no worries, dude. We can just finish it with audio anyways.   Eli Facenda (45:31.63) New recording track created the participants have been recorded.   Issue device struggling to record. High load on your device. Try closing all other apps. Give me one second. I don't have any apps open. That's really weird.   Eli Facenda (45:53.126) Yeah, I don't know man. I apologize. I Okay, well yeah   Seth Bradley, Esq. (45:57.219) you're good, We'll just finish an audio and then I'll pull up for the video. I'll just black screen to a logo or something. So all good. I don't exactly know where you're at. If you want to start that sentence over.   Eli Facenda (46:04.048) Okay, cool.   Eli Facenda (46:07.866) Yeah, I'll just, I'll say, I'll just start. So yeah, so not only have we really walked the walk with actually living what we preach, but we also understand that psychology of what it's like to be a business owner, your limitations on time and complexity and all that stuff. And because we're talking about travel, people also want to know like what's actually in store for me in this destination. I've been to 50 countries now and my business partner has been to almost 100.   We have other team members who are all over 30, 40, 50 countries. So we've been to a lot of the destinations around the world that we're advising people to go to. So we know the ins and outs, best places to stay, hidden gems, top restaurants, stuff like that, that really add another layer of personalization and true experience into the service. So I think those are the things that really make us most credible in this space.   Seth Bradley, Esq. (46:57.506) Dude, it's so important, right? Like there's so many, you know, there's so much content out there now. There's gurus and coaches and mentors, whatever you want to call them. Like the ones that are truly valuable and that people should pay attention to are the ones that are actually practicing what they preach, right? The ones that aren't just selling you education or aren't just selling you a product. Like they're actually, they've done what they're selling and they continue to   enjoy or do what they're selling.   Eli Facenda (47:28.635) 100%, yeah, if you're a living embodiment of what you do, it makes it that much easier to communicate it and sell it because you just are the thing you're selling.   Seth Bradley, Esq. (47:38.764) Yeah, absolutely. What's one thing someone listening could do today to get 1 % closer to their dream life?   Eli Facenda (47:45.089) One thing that would be the easiest is to spend 30 minutes, go on Instagram, go on your favorite social media site, go on some travel blog site, look for your dream destination, then pull up your calendar and put a time on the calendar where you're committing to go. One of my favorite quotes is from Tim Ferriss, I forget the exact quote, but basically the idea is that if you don't schedule your fun first, it won't happen.   because your business and your life will take up as much space as you allow it to. So most people find that I'll take the trip when it's convenient. I'll take the trip when I have more time. That time is never coming until you make it a priority. So the one thing they can do to get closer to their dream life is to just make a more bold commitment to putting the time on the calendar and be like, I am going and make some sort of investment, whether you're telling someone, whether you're putting some money down, whether you're learn the point stuff, that's gonna be the biggest leverage you can make.   to make sure that you actually follow through on taking these trips and then you'll find how to get there on points if you need to from there.   Seth Bradley, Esq. (48:50.766) 100 % man, gotta put it, people, entrepreneurs, people like us, we work in all the time, you've gotta put it, put it in your schedule. You've gotta block it out, commit to it.   Eli Facenda (48:59.821) Absolutely, 100%.   Seth Bradley, Esq. (49:04.554) Alright dude, I think we got it wrapped up, man.   Eli Facenda (49:05.743) Beautiful. Awesome, Dan. Well, this was super fun and I apologize agai

Click here to see all the photos by Michelle Vila Photography: https://disneyweddingpodcast.com/gigi-roberts-festival-lion-king-vow-renewal/ And click here to start planning your own Walt Disneu World wedding or vow renewal with the Fairytale Weddings Guide: https://fairytaleweddingsguide.com/shop/fairytale-weddings-guide/ GiGi and Robert Andre share the story of their Festival of the Lion King ceremony at Animal Kingdom and Lantana Room reception at Coronado Springs Resort. Because they had no professional photos of their COVID-era wedding, the couple decided to hold a Disney vow renewal, inviting guests to an anniversary dinner and then surprising them afterward with a trip into Animal Kingdom for the ceremony! You'll hear how they used the Fairytale Weddings Guide and a BEO review session with author Carrie Hayward to pack their wedding with the food, décor, and experiences they wanted while sticking to their budget. #disneyanimalkingdom #disneywedding #fairytalewedding #weddingtips #weddingbudget #disneyworld #weddinginspiration #weddingplanning #disneycouple #parklife #africanwedding

SummaryIn this conversation, Sean and Terry discuss the latest updates in telehealth regulations, focusing on new Medicare codes, changes in billing practices, and the implications for healthcare providers. They emphasize the importance of understanding these changes to ensure compliance and effective patient care.TakeawaysTelehealth services will revert to pre-COVID regulations after 2025.New codes for chronic pain management have been introduced.Behavioral health services will continue to be covered under telehealth.Hospital outpatient visits now have specific billing requirements.Providers must be aware of the limitations on telehealth services.Documentation is crucial for billing outpatient services.Telehealth regulations are evolving, and providers need to adapt.The importance of reading updates thoroughly to catch key changes.Changes in telehealth may affect patient access to care.Healthcare providers should prepare for the upcoming regulatory landscape.Link to MLN Booklet https://www.cms.gov/files/document/mln006764-evaluation-management-services.pdf

Failure is the goal with Democrats! PLUS, Yan Ma, director and co-writer of the film The Unrestricted War, tells Shaun about his new film - a fictional political thriller based on true events surrounding the Covid-19 outbreak in Communist China and the CCP's silent warfare against the world. And Maureen Steele, co-founder of American Made Foundation, discusses how Biden's border policies funded our own demise with our tax dollars and a goal of a one-world government.See omnystudio.com/listener for privacy information.

In this episode we answer two emails from John and one from Pete.  We revel in John's summary of the podcast from its humble beginnings to its current form, his sailboat analogy to portfolio construction and his highly humorous questions.  We also discuss two common but conflicting investor biases: rejecting assets because they've performed poorly recently or because they've performed too well recently and discuss rebalancing rules for leveraged funds and the newer managed futures fund CTA.Links:Listener Blog Post Describing Risk Parity Concepts:  15 Uncorrelated Assets | SSiSJohn's Testfolio Rebalancing Analyses:  testfol.io/?s=k6HKskV4lsyTestfolio CTA Analysis:  testfol.io/analysis?s=9WzkwrOUa0hBreathless Unedited AI-Bot Summary:The evolution of Risk Parity Radio takes center stage as we dive into a fascinating listener journey through 445 episodes of financial wisdom and soundbite mayhem. From our humble COVID-project beginnings to developing signature elements like standardized soundbites, cowbell references, and charitable partnerships, this episode offers a rare look at how the podcast has grown alongside its community.A brilliant sailing analogy perfectly captures the essence of risk parity investing: just as skilled sailors can make forward progress in various wind conditions by using the right sails, diversified portfolios can navigate different economic environments by including assets that perform well under specific conditions. This metaphor elegantly explains why we emphasize creating all-weather portfolios rather than attempting to predict market movements.Gold's dramatic turnaround provides a perfect case study in investment humility. In late 2022, some listeners questioned including gold, calling it a "waste of space" that wasn't fulfilling its purpose. Fast forward to 2025, and gold delivered an impressive 28% compound annual growth rate. This example highlights a common cognitive trap: rejecting unfamiliar assets either because they've performed poorly recently ("must be done forever") or because they've performed too well ("must be too high to invest in now").We also explore technical questions about rebalancing strategies for portfolios containing leveraged ETFs and observations about managed futures funds, demonstrating how complex portfolio management requires thoughtful consideration beyond simple formulas.Whether you're a longtime listener appreciating the walk down memory lane or a newcomer curious about our approach to investing, this episode delivers valuable insights about portfolio construction while maintaining our characteristic blend of education and entertainment. Ready to dive deeper? Subscribe now and join our community of thoughtful DIY investors!Support the show

From those early days of COVID chaos, stockpiling toilet paper and wondering if newborns needed masks, to getting him ready to march into kindergarten with a backpack almost bigger than he is, the past few years have been a blur. In this episode, we reflect on the bittersweet leap from babyhood to big kid, the pride and panic that come with letting go, and the little rituals (like labeling a water bottle… over and over) that help us cope. Whether your child is starting school or just growing up faster than you imagined, you'll find comfort, laughter, and maybe shed a tear or two in this conversation.

How do you turn a seemingly bad investment into a profitable real estate venture? In this episode, Craig sits down with David Edwards, a Houston-based co-living operator, investor, and founder of CoLiving Operations. Dave shares how he left a shaky data analyst job to pursue real estate full time.  From his first $65K house in January 2020 (turned pink inside by accident) to converting dining rooms into bedrooms, Dave walks through his path to an 8-bedroom pad splits yielding $2K+ in monthly cash flow. Learn what it takes to thrive in Houston's unique rental market, how to mitigate co-living risks, and how his 300+ doors under management started with one “stripper house.” If you're eyeing cash flow, shared housing, or white-glove turnkey co-living investing, this episode delivers unmatched ground-zero detail. PODCAST HIGHLIGHTS:[03:07] Dave shares why he left data analytics for real estate stability. [04:52] Describes moving from New York to Kingwood in 2019. [06:46] Purchases $65K rental property in January 2020, adds $20K rehab. [09:10] Discovers tenant abandoned the house after claiming COVID multiple times. [09:45] “First thing I see is a stripper pole”—Dave on entering home. [14:30] Rehabs trashed house and sells it, learning hard lessons. [16:45] Discusses April 2020 Kingwood flood-damaged flip yielding $40K profit. [20:45] Converts 5-bed home into 8-bed 3-bath co-living rental. [24:04] “I was cash flowing just shy of $2,000 a month.” [26:35] Sells property subject-to in order to fund duplex development. [33:23] Planning to build 10-bed 10-bath duplexes compliant with local laws. [35:29] Explains arbitrage model using 5-year leases with exit clauses. [39:00] Looks for properties with 60% parking and near public transit. [41:50] Reviews 12 deals weekly but only 3 usually make the cut. [43:45] “12–16% cash-on-cash is realistic—20% is rare in Houston.” [45:00] Uses Airbnb-style insurance in Texas due to co-living challenges. [46:20] “You don't need to be perfect. Just start moving forward.” [48:30] “I don't want to disappoint my wife—that's my why HOST Craig Curelop    

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you stuck chasing new clients while ignoring the goldmine in your past customer list? Does your agency feast on projects but starve for predictable revenue? Today's featured guest knows what it's like to hit a growth ceiling and being tired of the one-and-done client hamster wheel. He shares how he pivoted his agency after becoming a HubSpot partner, why he turned to project-based work after customer habits changed following the pandemic, and how he got out of the dreaded “no man's land”. Eric Baum is the CEO and founder of Bluleadz, a HubSpot Onboarding and Implementation Agency dedicated to transforming the way companies market, sell, and service their customers through the power of the HubSpot platform. He'll discuss his cash flow challenges, pricing mistakes that almost tanked the business, and how EOS helped him escape “no man's land.” If you're stuck in the fulfillment hamster wheel or scaling past $5M feels like pushing a boulder uphill... listen up. In this episode, we'll discuss: Reinventing his agency as a HubSpot partner. The real scaling struggle: cash flow. Why project-based doesn't mean profitless. Strategic partnerships are the future. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Accidental Founder, Intentional CEO Back in the Yellow Pages era, Eric was running two service-based franchises and needed a better way to market them. He brought marketing in-house for PPC, SEO, web dev, and that hire didn't just turn things around. It turned into a new business. Fast-forward a few months, and other franchise owners across the country started asking for help. Eric spun that in-house team into an agency, and had 50 clients out of the gate. As many owners before have admitted to, Eric started out charging way too low—$250 to $500/month. “I don't know how I didn't go broke right out of the gate,” he laughs. And if you've ever undercharged in the early days, you'll feel that one deep in your soul. Reinventing the Agency (and Himself) Around HubSpot The turning point came when Eric discovered HubSpot and pivoted Bluleadz to become a certified partner. That's when the “real” agency began, as he started to study the industry and figure out what he had to do to be profitable, take care of his team, and do it without necessarily doing all the sales work all the time. From there, Eric leaned into strategy, profitability, and systems. He stopped trying to be the everything guy and started building an agency that didn't need him in the trenches every day. Fifteen years later, his agency isn't just thriving. It's structured, profitable, and on track to hit 8 figures. Life in “No Man's Land” – The $1M to $5M Plateau After fifteen years in the industry and getting closer to the eight-figure mark, one of the things that most surprised Eric was getting stuck in the ugly middle: the zone between $1M and $5M where a lot of agency dreams go to die. Many call it “no man's land,” and if you've been there, you know the pain. “It was up, down, up, down,” he says. “I'd grow, then lose key employees. Revenue would spike, then tank. I kept asking, ‘What am I doing wrong?'” The answer: a lack of structure. So about nine years ago, Eric implemented EOS (Entrepreneurial Operating System). That gave his agency the foundation it needed—vision, accountability, and a cadence to scale. It didn't fix everything overnight, but it got the business out of reaction mode and into growth mode. The Real Scaling Struggle: Cash Flow Even with all that success, Eric's biggest constraint today isn't clients or talent. It's cash. In the agency world, sometimes you can grow so fast that you can actually outpace your ability to fund it. As Eric explains, “Receivables stack up. You can't hire, build, or invest without the cash reserves in place to hit the down terms.” For instance, just this year his agency was down 20% compared to last year because of all the uncertainty for businesses. Sound familiar? So far, Eric's solution has been airtight payment terms. They moved away from waiting on client deliverables and toward milestone-based billing. They typically charge: 50% upfront 25% after month one 25% at month two or fixed date Not based on deliverables. Based on time. Why? Because waiting on clients kills momentum (and your margin). “We used to wait months to get that final 50%. Now we're often 100% paid before a project is even done.” Moral of the story? Set clear terms and stop letting clients hold your agency hostage. Project-Based Doesn't Mean Profitless If You Structure It Right Five years ago, 85% of Bluleadz's revenue came from retainers. Then COVID hit. Buying behavior shifted fast. Clients wanted results without long-term commitments. So Eric pivoted hard into project work—today, 80–85% of their revenue comes from one-off HubSpot onboarding and implementation projects. That means 50–75 new customers per month, each on 30 to 90-day timelines. The lesson: project-based doesn't have to mean chaos - if you systemize delivery and payment. However, Eric does admit he and his team had been failing to recapture clients for a second or third project. “We were just focused on getting new clients through the door.” Instead of nurturing clients post-delivery, they handed off the project and moved on. Meanwhile, past clients drifted—only to come back a year or two later in total chaos saying, “We lost our HubSpot guy. Can you help?” The opportunity cost was massive. They are currently working on recapturing these relationships. By reselling past clients, his agency could double or triple revenue in a year. The Triple-Team Model: Sales, CSM, Implementation In their efforts to start creating more lifetime value for customers, Eric's agency introduced Customer Success Managers (CSMs)—not just to check in, but to hunt for value. CSMs dig into each client's needs post-project, surface upsell or cross-sell opportunities, and feed them back to the sales team. Now they're farming the base, increasing LTV, and stacking wins without chasing cold leads. This third new role adds a new layer to his team's structure, which he now breaks down as: Salespeople close net-new deals and join key milestone calls.           Implementation Specialists own delivery and are the client's main point of contact. CSMs sit above delivery, watching for success gaps, retention issues, and upsell opportunities. “Salespeople are hunters, not farmers. Trying to make them farm didn't work. So we changed the model.” This layered structure gives clients clarity, keeps teams focused, and ensures no growth opportunity slips through the cracks. Strategic Partnerships Are the Future Another key reason Bluleadz is scaling so quickly is partnerships. They're one of HubSpot's top onboarding partners, and at one point this partnership drove most of his agency's net new leads. More recently, however, as they start to expand their efforts to engage past clients, only 40% of their leads come from HubSpot, while 30% comes from existing customers, and another 30% from their inbound marketing efforts, other strategic partners, and referrals. This makes for a more balanced pipeline: “Inbound, outbound, and strategic partnerships”. Those are the three pillars in the Playbook. You've got ‘em dialed in. As for Eric, he's all in on strategic partnerships, which he considers to be the way of the future. The One Thing Eric Would Do Differently If he could go back and give his younger self advice on agency ownership, Eric would say “Let go faster.” He held on too long to sales, finance, client services… all of it. And every time he finally let go, the agency grew again. Today, Eric has zero departmental responsibilities. His job is vision, strategy, and leadership—and it's paying off. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Baby Bobby pulls the plug on Covid vaccines—will Trump get a shot? Heidi Henry on the Democrats. They're like the children of alcoholics, trying to please everybody. And what happens when Country-Club Dems take over the party. Heidi is the president of Illinois Valley Indivisible and host of the Heartland Mamas podcast. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Many student loan borrowers are falling behind again, and the impact is more than financial.A recent change in federal law has reshaped student loan repayment, and as collections ramp back up, millions are seeing their credit scores drop. If you're feeling the weight of repayment, you're not alone. Neile Simon joins us today with practical steps to help you regain control.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.Major Changes in Federal Student Loan RepaymentIn early July, sweeping legislation restructured federal student loan repayment options. Borrowers now face only two choices:Standard Repayment Plan: Lasting 10 to 25 yearsRepayment Assistance Plan (RAP): A 30-year plan with payments based on 1% to 10% of the borrower's income, with a minimum of $10 per monthWhile RAP may seem like a helpful tool, the new law eliminated borrower-friendly plans such as the SAVE plan and many income-driven repayment options. For borrowers who are unemployed or experiencing hardship, this is a significant loss. The end of pandemic-era protections, including deferments, has left many unprepared and falling behind.Adding to the challenge, federal collections resumed on May 5, signaling a firm end to COVID-19 relief. The result? A wave of financial instability.The Credit Score CrisisThe fallout from these changes has been swift and painful. According to AP News, in the first quarter of this year alone:Over 2.2 million borrowers experienced a credit score drop of more than 100 points.Over 1 million borrowers experienced a decrease of more than 150 points.This sharp decline has made it difficult for individuals to secure new credit. Car loans, mortgages, and even rental approvals are now being denied. With limited disposable income, many are forced to choose between paying rent, student loans, or credit cards.More people are relying on credit cards just to cover essentials like groceries and gas. It's a cycle that only deepens their debt and financial stress.How Credit Counseling Can HelpWhile Christian Credit Counselors doesn't directly manage student loans, they play a vital role for those overwhelmed by mounting credit card balances. Neely explains how nonprofit credit counseling agencies bring clarity and relief:One-on-One Counseling: Certified counselors review your debt, income, and budgetDebt Management Plan (DMP): Unsecured debts are consolidated into a single monthly paymentCreditor Negotiation: Lowered interest rates (often between 1% and 12%), reduced monthly payments, and elimination of late feesCommitment to Repayment: This is not a loan, bankruptcy, or debt settlement. You repay your full debt—just through a simplified plan.It's a way to honor your commitments while regaining control. And once enrolled, your interest rates remain fixed throughout the program.If you're feeling weighed down by debt, don't wait. Take an honest look at your budget, explore your options, and don't hesitate to reach out for help. You may feel stuck, but there are real solutions—and people who care.Christian Credit Counselors is here to walk with you, offering biblical guidance and practical solutions to help you achieve debt freedom. Visit ChristianCreditCounselors.org to connect with a certified credit counselor today.On Today's Program, Rob Answers Listener Questions:I've paid off my credit cards and car—praise God! Now I'm wondering how to balance my emergency fund and regular savings. How much should I aim for in each?I'm reinvesting the interest from a CD. Since I'm not withdrawing the money, do I still need to tithe on the interest?My wife is turning 65 but hasn't earned enough credits for Social Security on her own. Can she start receiving spousal benefits now—and how will that affect her survivor benefits down the road?I'm debt-free and contributing 15% to my 401(k), but I only have two months of emergency savings. Should I pause my retirement contributions to build up my emergency fund?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Today on AirTalk, an update on COVID-19 funding and the latest on the future of vaccination efforts, the American Society of Plastic Surgeons reports a slight increase in breast reduction procedures; ESPN and FOX merge and UFC moves to Paramount+ as new low-price subscription models enter the market and our celebration of AirTalk's 40th anniversary continues at the Skirball Cultural Center. Today on AirTalk COVID-19 update on funding and vaccines (00:15) An increase in breast reduction procedures (18:44) ESPN-FOX bundle, UFC to Paramount+ and more (37:55) AirTalk 40th: Live at Skirball Cultural Center (51:45) Visit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency!

Kirk Moore, MD, is a plastic surgeon who literally stands for “truth, beauty, and goodness.” He is a genuine American hero. Many of us admire Dr. Moore for protecting his patients, children, and adults, by giving them medical certificates stating he had given them the Covid jab when he had not. Following the Hippocratic Oath of “Do no harm,” Dr. Moore saved people from death and an infinite number of other harms, including heart disease, neurologic disease, sterility and miscarriages, cancers, impaired cognition and emotional control, and the passing on of newly defective genes.   Dr. Moore was not only saving the people themselves from the deadly shots, but he was also helping everyone who relied upon them or loved them. If we look at who was most affected by the mandates and hence came to him for the certificates, many would have been among the most harmed by the mandates, such as healthcare providers and emergency responders. And he was saving children who needed the protection of adults against medical abuse.   Dr. Moore was charged with enough crimes by the Biden administration to put him in prison for 35 years, beyond the average lifespan of a 59-year-old man. Then, despite public outrage among Trump supporters, the Trump Administration went along with having Dr. Moore hauled into a courtroom and put on trial. Finally, after five days of grueling trial, Attorney General Pam Bondi issued a statement that the trial was ending, and the government would not be allowed to bring any further trials.   A major question quickly entered our minds: “Was the Trump administration protecting the vaccine instead of Dr. Moore by ending the trial?”   This aligns with the agreement forced on Dr. Moore, which prohibited him from suing the government for financial or other damages. These damages were enormous, stemming from both his practice and his attorney fees, including five grueling days of trial. Did the government do this because they wanted to avoid a new trial where, unlike the current trial, Dr. Moore would be allowed to bring in his own experts on how damaging the COVID jabs were? The judge had thus far prohibited Dr. Moore from bringing in his own medical and scientific experts to confirm how dangerous the vaccines were, and Dr. Moore might have the opportunity if he brought his own case against the government.   Then we interviewed Sasha Latypova — a researcher whom we deeply respect. Both Sasha and Katherine Watt, another researcher we deeply respect, were consultants to Dr. Moore leading up to the trial, and he tells us in the interview how appreciative he is of them and their contributions. Sasha, in her interview, told us that the government had made many mistakes, potentially forcing the judge to take the restraints off Dr. Moore and his team, who wanted to question witnesses about how bad the vaccines are. But in talking with Dr. Moore, who clearly feels grateful for the Trump administration finally intervening on his side, there was more at stake than we thought in regard to protecting the vaccines.   As Dr. Moore described the events of the five days in the final part of this new interview with us, we could see a change in his own analysis. As the last few days of the trial unraveled, it began to dawn on all of us that he could have won the trial!   The government was not only trying to stop further discovery about how bad the vaccines were, but the government must also have become afraid that they could actually lose the jury trial. Not only being able to do discovery in ways that never have been done before, but also winning a jury trial for a doctor who defied the government's attempt to control his relationship with his physician, would have reaffirmed the basic medical ethics that Covid-19 utterly wrecked.   A victory by Dr. Moore would have helped to restore the sacredness of the doctor-patient relationship, the right and necessity of doctors to give informed consent, and to do their best not to harm their patients, even if ordered by the government to harm them.   Dr. Moore set a clear and heroic example as a physician who put his ethics and his patients' well-being ahead of the powers of government. That's potentially earth-shaking. And this isn't David merely fighting another larger mortal named Goliath; it is David against Leviathan, the whale of the entire government, seeking to devour us humans one by one.   As I mentioned earlier, Ginger and I had already concluded that the only reason Attorney General Bondi stopped the trial was the growing possibility that Dr. Moore and his attorneys would get the right to do discovery on how evil the Covid project was, especially its “vaccines.” In other words, President Donald Trump did not want the public learning more about how bad the vaccines are. I had already written a Substack to that conclusion based on our interview with Shasha Latypova, who was a consultant to the trial, a researcher who Dr. Moore also deeply appreciates.   I asked Dr. Moore before the show if I could raise questions about bad motivations on the part of the Trump Administration, letting the trial even start, then stopping it abruptly. He said it was fine to discuss it, and we did this in the final segment of the show.   As you listen to the final segment, you may get the impression that Dr. Moore, good man that he is, and grateful to the President as well, only reluctantly wants to support what comes out. What comes out is this: Dr. Moore and his team not only stood a good chance of getting to do discovery on how bad the shots are, they were making so many good points, they might even have won the trial.   Trump really is protecting not only Operation Warp Speed, but also continuing to market the same mRNA genetic shots. Indeed, he is probably protecting the deadly mRNA platforms' billion-dollar industry that is being created to produce a seemingly endless variety of products and uses to be injected into our bodies.   This is a national emergency, not a mere political disagreement. The Trump administration's healthcare policies, as announced by Robert F. Kennedy, include wearables (chips that can go over your skin or under it). Along with that action, RFK is now announcing a fully digitalized universal medical records system that is the last great step toward complete medical surveillance of everyone, to be followed by socialized medicine, to be followed by an even more totalitarian government.   We need to gain courage from the actions of heroes and patriots like Dr. Kirk Moore and resist every effort to trample upon our Constitutional rights and our God-given freedoms.

Dr. Michelle Morse, Acting Commissioner and Chief Medical Officer for the New York City Health Department, explains how the city's new video series aims to help educate communities about the impact of Long COVID; Dr. Nirav Shah, ASTHO Alum and former Principal Deputy Director at the CDC, discusses the focus of this year's Executive Leadership Forum, and what he hopes to teach future public health professionals in his new role as a professor at Colby College; Emman Parian, Immunization Program Manager at the Commonwealth Healthcare Corporation of the Northern Mariana Islands, shares what he learned from the Building Capacity to Advance Health certificate program; ASTHO will host the third webinar session of the Accelerate series on Thursday, August 14th, about accountability, performance, and feedback; and a new ASTHO resource helps public health teams communicate effectively about infectious disease preparedness.  New York City Health Department: Facts vs Fiction: What is Long COVID? A discussion with Dr. Michelle Morse and Matt McGorry New York City Health Department: Living with Long COVID: Matt McGorry's story New York City Health Department: The risks and realities of Long COVID: A discussion with Dr. Michelle Morse and Matt McGorry  ASTHO Web Page: Building Capacity to Advance Health Certificate Program Emman Parian LinkedIn ASTHO Webinar: Ignite, Accelerate, and Activate: Series 2, Session 3: Accountability, Performance, Feedback ASTHO Web Page: Communicating About Infectious Disease Preparedness  

How do you build a billion-dollar freight brokerage without a single dollar of outside capital? Sean McLeod, who joined Axle Logistics as employee #21 in 2016, gives us a rare glimpse into one of the fastest-growing and most respected brokerages in North America.Sean shares the extraordinary journey of scaling Axel from a small operation with 20 people to a powerhouse with nearly 700 employees. What makes this story particularly fascinating is how Axle has maintained its cradle-to-grave model at scale – something many industry veterans claim is impossible. "Everyone says you can't operate a billion-dollar company cradle-to-grave," Sean explains. "Yeah, you can—you just keep hiring people."We dig deep into Axle's counter-cyclical approach to downturns, where they double down on customer visits and hiring while competitors pull back. This strategy led to explosive growth during COVID, with the company growing from $176 million to $521 million in just one year. Sean's philosophy is refreshingly straightforward: "Volume is everything. The market dictates my rate and profit. All I can do is continue to find new business."The conversation takes an emotional turn when Sean discusses his leadership style, revealing how deeply he cares about his employees, customers, and carriers. He still makes cold calls alongside his team, books freight, and holds everyone (including himself) accountable to the company's high standards. His authentic passion becomes clear when he admits, "I probably care too much, but that's all right."Whether you're running a small brokerage or a large logistics operation, this episode offers invaluable insights on maintaining culture through growth, balancing compensation between different operational models, and strategically adopting technology without sacrificing the human touch that makes freight brokerage work.Ready to be inspired by a freight success story built on grit, service excellence, and unapologetic commitment to people? This episode will challenge your assumptions about what's possible in building a brokerage in today's market.Follow The Freight Pod and host Andrew Silver on LinkedIn.*** This episode is brought to you by Rapido Solutions Group. I had the pleasure of working with Danny Frisco and Roberto Icaza at Coyote, as well as being a client of theirs more recently at MoLo. Their team does a great job supplying nearshore talent to brokers, carriers, and technology providers to handle any role necessary, be it customer or carrier support, back office, or tech services. Visit gorapido.com to learn more. A special thanks to our additional sponsors: Cargado – Cargado is the first platform that connects logistics companies and trucking companies that move freight into and out of Mexico. Visit cargado.com to learn more. Greenscreens.ai – Greenscreens.ai is the AI-powered pricing and market intelligence tool transforming how freight brokers price freight. Visit greenscreens.ai/freightpod today! Metafora – Metafora is a technology consulting firm that has delivered value for over a decade to brokers, shippers, carriers, private equity firms, and freight tech companies. Check them out at metafora.net. ***

Stu Burguiere looks at the fallout from Donald Trump's announcement that federal control would be taken over the Washington, D.C., Metropolitan Police Department and highlights which Democrats and leftist mainstream media outlets are disseminating the most misinformation regarding the facts of the plan. Then, BlazeTV host Matt Kibbe joins to connect the dots for us between the deep state's Russia and COVID lies. And Stu looks at the latest in the redistricting wars spreading across the nation. TODAY'S SPONSORS   XX-XY ATHLETICS Get 20% off with the promo code BLAZE20 at http://www.thetruthfits.com   LEAN Get 20% off with the promo code STU20 at http://www.takelean.com Learn more about your ad choices. Visit megaphone.fm/adchoices