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Compare and contrast as ACB and Sotomayor ride (media) circuit. ----- Amy Coney Barrett and Sonia Sotomayor are both hitting the talk shows and it's highlighting how awkward the nation's relationship with the Supreme Court really is. Barrett went on Fox and accurately stated that the Constitution prohibits Trump running for a third term. Then the host offered a "wink wink" prompt and she started backpedaling. Meanwhile, Sotomayor went on Colbert and bent over backward to give her conservative colleagues the benefit of the doubt, requiring Colbert to step in and remind us of the fire in Sotomayor's dissent. Two very different media hits, but a consistent reminder that the justices just aren't willing to forge a genuine connection with the public over media. Also, Ropes & Gray maintains a single-tier partnership (for now) and Megan Thee Stallion case introduces the world to process servers taking things up a notch.

Get the clarity and confidence you need as Wes Moss, Connor Miller, and Christa DiBiase break down today's swirling economic landscape and answer your most critical money questions. This episode of Money Matters turns today's complex headlines and listener challenges into clear, actionable insights for retirement planning. • Track how today's economic crosscurrents—including recession chatter, jobs data, and inflation—may be shaping the outlook for U.S. growth. • Examine the importance of jobless claims, payroll growth, and recent BLS revisions that could shift how investors and retirees view the labor market. • Spot how declining mortgage rates and strong housing demand could provide potential tailwinds for the broader economy. • Measure the role of residential construction jobs as a potential recession signal and why current numbers may suggest stability. • Understand the impact of the coming 2026 consumer tax refund surge tied to new legislation and how it may influence household spending. • Break down how higher labor productivity and technological shifts like artificial intelligence could affect corporate profits and inflation trends. • Review listener Q&A on brokerage accounts, investment tools, tax-efficient withdrawals, mortgage decisions, and strategies for early retirement account access. • Compare the flexibility of withdrawals across Roth, 401(k), IRA, and brokerage accounts to support informed financial decision-making. • Clarify the rules for accessing retirement funds before 59½, including the Rule of 55 and 72(t) distributions, and what they may mean for both traditional and Roth accounts. Stay informed and proactive—listen now to strengthen your understanding of retirement, investing, and today's economy. Subscribe to the Money Matters Podcast for weekly conversations that keep you engaged with the latest financial and economic trends.

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Title: From Hustle to Holdings: The Smarter Path to Passive Wealth With J. Scott Summary: In this episode of the Passive Income Attorney Podcast, host Seth Bradley discusses the importance of transitioning from active to passive income with guest Jay Scott, a seasoned real estate investor. They explore various investment strategies, the significance of due diligence in syndication, and the differences between house flipping and multifamily investments. Jay shares his journey from tech to real estate, emphasizing the need for teamwork in multifamily projects and the importance of understanding market conditions. The conversation concludes with actionable insights for listeners looking to create financial freedom through passive income. Links to watch and subscribe: https://www.youtube.com/watch?v=V26Rze2S9TM Bullet Point Highlights: Active income is trading time for money, while passive income allows for financial freedom. Investors should focus on the highest and best use of their time. Flipping houses can be tedious and may not be the best use of time for high-income earners. Transitioning to multifamily investments can provide more control and cash flow. Market conditions can significantly impact investment strategies and outcomes. Due diligence is crucial when vetting syndication sponsors and deals. Understanding the underwriting process is essential for passive investors. Building a strong team is vital for success in multifamily investments. Investors should seek to understand the risks associated with their investments. Passive income allows for a lifestyle centered around family and personal interests. Transcript: Seth Bradley (00:10.188) What's going on, law nation? Welcome to the Passive Income Attorney Podcast, your favorite place for learning about the world of alternative passive investments so that you can practice when you want to and not because you have to. Now, if you're ready to kick that billable out of the curb, start by going to attorneybydesign.com to download the Freedom Blueprint, which will also get you access to partner with us on one of our next passive real estate investments. All right, let's talk about   the highest and best use of your time. We've talked about active versus passive income and for good reason, they are completely different. They're on opposite sides of the spectrum. When we talk about active income, we're talking about your job as an attorney, as a doctor or a business owner, where you trade your time in for money out. Depending on your skill set, background, education, work ethic, et cetera,   You know, this could be a great use of your time or it could be a terrible one. But when most people think about getting into real estate investing, they're torn. Should you do a fix and flip like you saw on HGTV? Should you invest in a REIT like your financial advisor and Charles Schwab told you to do? Should you buy a single family rental or invest in a syndication? There are endless options so I can understand why it's so confusing. Well, start with this.   ask yourself, what's the highest and best use of my time? If you're thinking about doing an HGTV fix and flip and your partner at a big law firm, for example, is that flip really the best use of your time? And don't be mistaken, a flip is transactional and it is active. So will you make more per hour on that fix and flip than you would at your job?   After you factor in the learning curve, the deal sourcing, the headaches, what it takes away from your job and everything else, it's not even close. Unless you truly love doing it, which some people do, it just doesn't make sense for high income earners. You should be focusing on transforming the income you earn actively into passive income streams. At different levels on the passive scale, that could very well be a single family rental or an Airbnb.   Seth Bradley (02:34.26) or could be passive investments into commercial syndications. But if you truly want to obtain financial freedom as quickly as possible, don't create more time consuming activities that aren't as fruitful as the active income stream that you already have. Focus on passive investments until you are financially free. And then you will have the freedom to transition or not into any   active activity you have a passion for. Today, we have a very special guest, Mr. Jay Scott of Bigger Pocket fame. Jay is an entrepreneur, investor, advisor, and the co-host of the Bigger Pockets Business Podcast. He has bought, built, rehab, sold, syndicated, and held over $70 million in residential property, and currently owns several hundred units. Jay is the author of four bestselling books on real estate investing,   with sales of over 300,000 copies. Get really excited for this, folks. You're in for a treat.   This is the Passive Income Attorney Podcast, where you'll discover the secrets and strategies of the ultra wealthy on how they build streams of passive income to give them the freedom we all want. Attorney Seth Bradley will help you end the cycle of trading your time for money so you can make money while you sleep. Start living the good life on your own terms. Now, here's your host, Seth Bradley.   Jay Scott, what's going on, brother? Welcome to the show.   Scott (04:09.196) Thanks. Appreciate you having me here Seth.   Absolutely, man. Appreciate you taking the time out of your day, We've got a little bit of history, but let's jump into your history, man. What's your story? Tell us about your background. Take it back as far you'd like to.   Yeah, I'll keep it short because nobody really cares about what I used to do. So I'm a tech guy by education and former trade. I worked in Silicon Valley for a long time, spent about 15 years doing the engineering thing and the product management thing. 2008 decided to get married. My wife and I, she was in the tech world also. We decided to leave and do something different so we could start a family.   focus on our family. Basically, we were both working ridiculous hours and it just wasn't sustainable if we wanted to start a family. So put our jobs in 2008, moved to the East coast, ended up flipping houses. Long, boring story about how that started, just kind of serendipitous. We didn't really plan it, never really considered real estate, but fell into flipping houses. Over the next eight years or so, we flipped about 400, 450 houses, was great. It ended up being the,   next career we were looking for, it gave us the flexibility to kind of raise our kids and never have to miss a soccer game or a piano recital, which was fantastic. But then around 2017-ish really got burned out on flipping houses and that's when I started to look for some new stuff to do. and that kind of leads me into what I've been doing the last few years.   Seth Bradley (05:41.742) That's awesome, man. That's a ton of houses you flip, man. think that that's, know, a lot of the folks who've been in the game for a long time, they've heard you speak on, you know, on bigger pockets and all of that. So, you know, what attracted you originally to house flipping rather than, you know, buy it holds or anything like that?   So I'll be honest, I don't love real estate. I love business. I'm a business guy. like when I was even when I was in the tech world, I got my MBA and I did some business development and I moved from the engineering side to the product side where I could be more involved in the business stuff. And I'm a business guy by heart. And that's what I love doing. So when it came to flipping houses,   For me, was, I could have been buying and selling anything. It ended up being houses. And again, not an exciting story. mean, literally the story was my wife was watching a show on HGTV with some people flipping houses and she said, let's give that a try. Just as kind of like a fun thing to do on the side while we were waiting for our wedding to come up. So it wasn't something that I ever thought about or planned to do. It just kind of happened.   And so if it weren't flipping houses, it would have been buying and selling something else. would have opened a restaurant or I would have opened a retail store or who knows what I would have done. But for me, the challenge was in the business. It wasn't the real estate piece of it. And so I've always enjoyed the scaling part. So yeah, flipping a house is great. Flipping five houses is great. But I always wanted to know, how do I go from flipping five houses to flipping 50 houses in a year? What are the systems and processes I have to put in place?   how do I build that type of business? That to me is what's exciting. And so for me, it's always been about not the real estate part of it, but about the building the business part of it.   Seth Bradley (07:25.248) I love that man. I don't think I've heard anyone just come out and say that, even though a lot of people are probably in the same boat as you that, you know, you don't have to love real estate to recognize that it's a great business. Right. Yeah. So that that's awesome. So tell me a little bit about your, your transition and what you're doing now, your current business, how you kind of progressed from house living to what you're about to tell us about.   Yeah, so 2017, I just got really burned out on flipping houses. It was good to us financially. We got good at it. I wrote a bunch of books on it, but I'll be honest, it was never fun. And as the years went on, it just ended up getting more tedious. I felt like I wasn't learning anything new. It was revising processes and creating new systems. it was fun, but I needed some new challenges.   So 2017, I decided, okay, done with flipping, actually went and started doing some business stuff. So I do some advisory work for some tech companies. I do some angel investing. And so for a few months, I actually considered getting out of real estate altogether, focusing on other business pursuits. But I actually, what I realized was that I didn't like the nuts and bolts of real estate. I liked the mechanics of real estate.   I loved the negotiation piece. I loved the asset management piece. I loved the putting deals together piece and I was good at it. And so while I really didn't wanna be flipping houses, didn't want to be involved in the day-to-day aspects of managing the projects. I enjoyed the deal part of real estate. And so in addition to that, after I stopped flipping, I had all this cash.   And I was like, okay, what am I going to do with this cash? I was using it to flip houses. We were doing 50 houses a year. It's put a lot of cash to work. Now I had all this cash. I'm a control freak. do invest in other people's syndications, but I don't sleep well at night when all my money is being managed by other people. So I said, how do I kind of take back control of my own cash as well as kind of get back into real estate? What can I do in real estate that I would enjoy? And now I can also deploy a bunch of my own cash. And what I realized was multifamily.   Scott (09:38.648) That was a great opportunity. And I had been thinking about multifamily for a long time. But what I realized was from the syndication side of multifamily, could, one, I could have the control. could be a general partner. could control the deal. I could put the deal together. I could manage the deal. But also I could come in on the limited partner side as an investor. And it was a great place to deploy my capital. So I could deploy my capital in deals that I had full control over. So 2017, I decided I wanted to get into multifamily, probably wanted to get into syndication.   I reached out to a friend of mine, Ashley Wilson, who managed a company called Barred Down Investments. She and her husband had started the company a couple of years earlier. They were doing exactly what I wanted to do. And so I reached out to Ashley and I said, hey, I would love to learn multifamily. I don't expect you to like just take all this time and teach me so I can often be your competitor. But here's what I am willing to do if you're willing to do this. I will come work for you for a year.   And in that year, you've got all my time, you've got all my energy, you've got all my knowledge, you've got all my contacts, I'll put money into your deals, whatever it takes. You mentor me for a year, you've got my commitment for a year. After a year, we can figure out if like, there's a place for me on the team or if I'll go off and do my own thing. But basically, let's work together for a year. And she loved that idea. mean, I think she liked the fact that I was really good with the systems and the processes and the operation stuff.   And I obviously loved the fact that I could jump into a team that was high functioning, already owned a lot of properties and was doing deals. So for the next year, I worked with her team. It took about a year and a half before we finally did a deal. But 2020, just before COVID, we started putting together a deal. That deal went really well. Ashley and I realized that we were like, just we made a great team.   We had a bunch of complimentary skills, the things that she was really good at, I wasn't, the things I was really good at, she wasn't, it was just a good partnership. Around the same time, her husband decided that he didn't really want to be doing real estate anymore. He kind of wanted to be a stay at home dad. He liked helping with the business. He ran the underwriting team and he did a lot of the analytics, but he didn't want to be a partner in the business anymore. So about a year and a half ago, Ashley came to me and said, Hey, would you want to join me and be a partner in the business?   Scott (11:57.678) 2020, 2021-ish. Ashley and I joined forces. She and I now run bar down investments and we do value add multifamily all around the country.   That's great man, said you weren't having fun anymore, you having fun now?   I'm having a ton of fun. And I think the big difference between then and now is when you're flipping houses, flipping houses is a very, it's a solitary venture. Yeah, you have contractors around you and you have eight real estate agents and you have closing agents and lots of 1099 people, lots of vendors and people that come in to help you. But at the end of the day, you're running the show. You're doing the four big things that you do when you flip houses.   you're acquisitions or you're running acquisitions, you're doing the rehab or you're running the rehab, you're doing the disposition or managing the disposition and you're raising the money. mean, all four of those things, you don't generally have a big team to do those things because it's just hard to scale a big team when you're flipping houses. The profits aren't there, the margins aren't there. Unless you're doing real high-end houses, the deal size isn't there. But in multifamily, the thing I love about multifamily is it really is a team sport. When you're doing it,   $10 million deal or a $50 million deal, it's not something that I could ever do myself. It's not something anybody or very few people can do themselves. Typically you have to be part of a team because things are very specialized. mean, the acquisitions piece, you need some of the best acquisitions people in the world to be finding deals in this market. The renovation piece to be renovating a 200 or 400 or 600 unit apartment complex, it's not like flipping a house. You need to have really good systems and processes. need to...   Scott (13:36.448) really know the renovation side of things. Managing the property, I mean, you have to know the asset management side. You have to know how to carry out a business plan. You have to know how to increase and reposition rents. You have to know how to decrease expenses and improve the efficiency of the management. And then on the sales side, that's a whole other world where you have to really know the market and be able to work with the brokers and know how to position the company for sale. And then finally, there's that raising funds piece.   And that's a whole world by itself, whether you're dealing with raising debt through a broker and you're going like just typical, like getting loans, or you're going out to private investors or institutions and you're raising equity, people that come in as partners. And I mean, that's a full-time job in itself, those two things. So when you do multifamily, you really need to figure out what are you great at? And then you need to surround yourself with people who are great at everything else. And so that's what I loved about multifamily. It allowed me to focus on what I was really   and then bring in people who are literally the best in the world at all the other stuff. And now it becomes a team sport. It goes from playing tennis to playing basketball. It goes from being yourself reliant and you have to do everything and be the best versus you have to be able to put together the best team and manage that team in a way that not only is everybody fantastic, but working together, they're better than the sum of their parts.   Yeah, yeah, that's fantastic, man. The whole team game part of multifamily and commercial real estate. It's really interesting because when you get into other businesses, it feels more competitive and kind of like if you if you have the secret sauce, you keep it close to your vest. You don't you don't tell everybody about it. Whereas when you're in this commercial real estate world, everybody's sharing ideas. Everybody's trying to partner. Everybody's trying to see how they can help you rather than just looking about, well, how can you help me kind of?   I call it, I'm gonna get in trouble here, but the Hollywood mentality where it's like, what can you do for me? Oh, you just drive a three series, you probably can't help me. So it's a different attitude.   Scott (15:41.294) Absolutely. I like to refer to it as co-op petition. It's like there are deals that you're going to do with other people and then there deals you're going to do yourself and you may come back to those people later. You may never come back to them, but everybody kind of looks out for each other because you never know when you may end up in a deal with somebody that previously you were competing against. And so anytime that you're not in a deal with somebody, you're still treating them as if, the next deal we could end up being partners. And the deal after that, we could end up being partners.   because it really is, it's a small industry, everybody knows each other. we really, again, going back to the sum of the parts is greater than the parts themselves. mean, working together, we can really do a whole lot more than if we just are purely competitive and try and take each other down.   Yeah, absolutely. And I think kind of going back, there's a lesson to be learned about how you were transitioning from house flipping and you were the best at it. And then you're like, okay, I want to go into multifamily and a syndication. You went and you sought out someone that was already in the game that knew what they were doing, that had the experience. And you said, what can I do to help you? What value can I bring to you to help you so you can teach me what you've done? And there's a lot of value to be found in that lesson for folks that are trying to   you know, get into the active side. A lot of listeners out there are passive investors already and they're, you know, maybe thinking about, maybe I want to do in the active side. And they're like, well, what can I do? Cause a lot of attorneys, especially in doctors and folks like that, they think they have this one track mind. They're only trained to do one thing. And they're like, what value can I provide as somebody else? But there are a lot of skills that you've learned in your W2 profession that you can apply to help other folks that are already in the industry.   Absolutely. I mean, I talk about it a lot, but even outside of real estate, I do a lot of advisory work and I'm still pretty active in the tech world. And I find companies that kind of bridge that gap between technology and real estate. all know about the Zillows and the Airbnb type companies. There are a lot of startup companies in that space too called property technology type companies. so...   Scott (17:46.998) I love to use my experience, my knowledge, my relationships to go into those companies and help them grow their companies. In return, I'm not an employee. I'm not even a 1099 contractor. In return, I'm getting equity so that if I can help make them successful, ultimately my equity is gonna be worth something. I'm gonna be successful as well. And so what I like to tell everybody like figure out what you're good at and then figure out who needs that expertise.   and then figure out how you can offer that expertise in a way that isn't trading necessarily hours for dollars. Figure out how you can trade your expertise, your knowledge, your Rolodex, your whatever it is for equity or potentially passive income so that you can grow potentially many fold as opposed to I charge $200 an hour or $300 an hour. mean, everybody loves $300 an hour, but the minute you stop working, you stop making that money. But if you can get equity, that equity can work for you for a while.   Yeah, absolutely. And it's tough for a lot of the WTs out there listening, they're highly paid professionals. It's tough to get off of that treadmill. For some folks it's easier because they're not making as much money, but for the lawyers, the doctors out there that are making a good amount of money in their profession, it's tough to try to see, you know, to stop trading time for money. But you've got to kind of see through the weeds there.   Yeah, well, what I tell people is, there's two types of income. There's your active income. That's the stuff that you're trading your time for, whether you're a doctor or a lawyer or an engineer or you're a house flipper or you're a consultant or you're a small business owner, whatever it is, that thing that when you stop working, you stop making money. And then there's a passive income. It's the thing you trade money for money. So you put your money out there and hopefully it continues to come back to you for the rest of your life or at least the next several years.   And so what I like to tell people is don't think about those the same. Those are completely different. figure out for your active income, figure out what the highest and best use of your time is. If you're gonna make more money as an attorney than you are flipping houses, don't flip houses just because you eventually want to retire on real estate. You can always use real estate for the passive side of things, but if you're gonna make more dollars per hour as an attorney or a doctor or a consultant, then do that because you wanna get out of that active income as quickly as possible.   Scott (20:05.9) And the way you do that is you make as much as you can and you move it over to the passive side. So focus on whatever it is that's generating the most dollars per hour for a shorter period of time so that you can then start moving that money over to the passive side and start building up the passive side. don't, people ask me all the time, should I flip houses or should I buy rentals? And I'm constantly telling them that's not the right question. Flipping houses is your active income. Compare that to all the other.   potential active incomes you can have. And rentals is passive income. Compare that to all the other passive investments you can make. And so don't say flipping houses or rentals say, should I be flipping houses or should I be an attorney? And don't say, I be flipping houses or rentals say, should I be doing rentals or should I be investing in syndications or dividend generating stocks or something else? And think of them very differently. then secondly,   Make sure as much of that active income as you can, move it over the passive side so that you can start that snowball rolling. I compound interest is the key to financial freedom. And the sooner you can put more money to work, the faster it'll compound and the sooner you can start to live on.   Yeah, I love that man. mean, lot of folks, you know, calls that I take, they're like, hey, they're attorneys. Should I quit my job or how do I quit my job? I'm like, if you want to quit your job, don't be hasty about it. First of all, you're probably making a good amount of money in your active income. You just need to figure out a way to transition that active to passive income and don't just quit your job. It's very difficult to flip houses, to do an HGTV fix and flip while you're working at a big law firm or something like that full time.   I tried to do it, I didn't do it very well. You're not even gonna make it nearly as much money as you would as a doctor, as an attorney, unless you get to level like you did, Jay, but that takes time and that takes a buildup of accumulation of skills and money to be able to get to that level.   Scott (22:05.826) Yeah, I mean, at the end of the day, it's a math equation. mean, your passive income or your ability to build up enough income to be able to retire, whatever your number is, is based on how much can you put in per month into that wheel, that passive income growth machine? How much are you generating every year on what you're putting in? So what do your returns look like? And three, how long do you have to compound it?   And so everybody can go out into a compound interest calculator and say, okay, I have $5,000 a month that I can invest passively and I can return 12 % per year and I need $6 million to retire. Well, based on those three numbers, you can now figure out that fourth variable, is how long is it going to take? And so figure out how much do you have per month to put in? What's the rate of return you can generate and how much do you need? And that'll tell you how long it's going to take or   figure out how much you have to put in, how much your return is gonna be and how long you wanna spend. And that'll tell you how much you'll end up with at the end, either way you wanna look at it. But again, it's a pretty simple math equation, but too many people don't actually do that equation where they don't think about it until too late and they think, I wish I would have taken that $5,000 a month that I was spending on my second home in the Bahamas and put that into real estate so that I could have been.   compounding it and so now I could buy that home for cash five years or 10 years later.   Absolutely. Attorneys hate math, but I think they can handle that little equation. I want to take a step back for a minute because you got into house flipping in 2008, which is kind of like around the big crash. And now we're kind of at the height of a market. We don't know where that height is going to end, but we're definitely in it. Right. So can you maybe compare and contrast getting into, let's say,   Seth Bradley (24:01.652) one real estate venture in the middle of a crash compared to getting into another venture kind of towards, towards the upswing.   Yeah, so it's one of the reasons I like multifamily and I like commercial and I like syndication. Anytime you're doing purely transactional deals, buying something and then selling it, not generating any cashflow in between, you run a risk. If the market turns in the middle of the transaction, you're gonna lose money and you don't have a lot of ways to mitigate that risk.   Whereas if you're buying something like an apartment complex, or even if you're buying a rental property, or you're buying a self-storage complex, or you're buying anything that cash flows, the nice thing is if the market turns, you may not be in a great position. You may not be thrilled with what's happening with the value of your assets, but if you're still generating cash flow, you can weather that storm. Maybe it's gonna take, the average recession lasts about 18 months. And so if you can make enough income that you can keep yourself afloat for 18 months, or maybe   it's a horrible recession and it lasts three or four years. If you're still making income and you can keep yourself afloat for three or four years, the market's gonna come back. And so when we do our multifamily deals, yeah, we typically say we're planning to hold three to five years, but we also do all the underwriting to ensure that if we have to hold for six years or eight years or even nine or 10 years, that the numbers still work because.   Again, who knows what's gonna happen three years down the road, we could have a major recession that lasts four years and now we're seven years down the road. I wanna know that my multifamily investments in seven years, they're probably gonna be producing more cashflow. We're probably gonna see more growth in terms of population. We're probably gonna see more growth in terms of employment. Hopefully we're gonna see more wage growth once we come out of that recession. So all the economic indicators that kind of lead towards value growth in multifamily,   Scott (25:58.486) are going to happen over those seven years if I can just get my property seven years and not lose it. With a flip, well, I'm not generating any income. So if the bank calls the loan due or if my two-year loan comes due and I can't refinance, I'm screwed. But in a multifamily, I just waited an extra couple of years and I'm probably in a better position than I was anyway. So that's one of the reasons I love multifamily because we can't predict   what the economy is gonna do in the next couple of years. But I do know that whatever the economy does, it's probably gonna come back in the next five or 10, and I'm still gonna have the problem.   Yeah, yeah, that's great. That kind of rolls into this next question. How does a passive investor that's kind of vetting a sponsor, how do they check kind of the boxes to see if their sponsors are taking the extra measures to look into those risks that you just mentioned, to mitigating those risks, to taking those risks into account in their underwriting and things like that. How can they best vet the sponsor to make sure that they're thinking of those things?   So I invest in a lot of other people's syndications as well as my own. And so when I do that, I kind of look at five areas for due diligence anytime I invest in a syndication. Number one is the team. And that's probably the most important thing. For a lot of people, I have been pleasantly surprised that a lot of our investors have recognized that team is the most important aspect of the deal. I know in the flipping world, everybody was concerned about the deal. Nobody cared about   what was my experience, but in the multifamily world, a lot of investors recognize that the team has to be great. So number one is the team. Number two is location. Location is often overlooked, but at the end of the day, the thing that's gonna drive value for multifamily and for commercial real estate in general is gonna be population growth. So you want more people coming into an area, employment growth. So you want more employers coming into an area that will bring more people in. You want wage growth because that will ultimately drive rents up.   Scott (28:06.082) and you want employment diversity. You wanna know that if one industry takes a big hit, so for example, we invest in Houston, but we won't invest in the energy corridor of Houston because it's so reliant on oil and gas, that if the oil and gas industry took a big hit, the real estate around there would probably take a big hit. So we wanna see that there's good employment diversity. But at the end of the day, location is that next big thing. So team, location, number three is the deal itself.   So you need to know that the deal is gonna stand on its own. I wanna know that if I took a deal and I handed it to pretty much any other indicator, they couldn't mess it up too badly. Obviously, again, we're gonna go back to the team is super important, but I want the deal also to stand on its own. And I wanna know that the business plan for the deal, the hold period, the numbers and the underwriting, the pro forma for the property makes sense. So team location deal.   Number four is the returns. So obviously when I invest with somebody, I'm in it for the money. And so I wanna see that the returns are commensurate with the risk. I wanna know that the returns, if somebody tells me I'm gonna get 10 % returns in this deal versus 20 % returns in another deal, I wanna know, well, why am gonna settle for lower returns? I want the answer to be because it's a lot lower risk or because you're gonna get your money back a lot sooner, which is gonna allow you to compound it or whatever the answer is.   I want to know that the returns make sense given everything else. And then finally is the risks. At the end of the day, I'm always going to sit down with the syndicator and I'm going to say, what are you most concerned about here? Like where, if I'm going to lose money on this deal, where am I most likely going to lose money? They say, there's no shot of losing money. walk away because we all know every deal has risks and every syndicator knows what those risks are. And they're thinking about those risks. I just want them to tell me.   So if I'm gonna lose money on this deal, where am I most likely? Why am I most likely to lose money if I'm going to lose money? So those are the five things that I look for. Talking about each individually a little bit more. the team, I like to know that one, I wanna see how many deals the team has done together because again, like a basketball team, you can put the best basketball players in the world together. And if they've never played on the court together,   Scott (30:31.672) they're not gonna be necessarily the best team out there. You can find another team with five inferior players who have been playing together for 20 years and they're probably gonna be better because they know each other better. So I like to see teams that have worked together for a while. I like to see teams that have gone full cycle in deals. So it's easy to buy 10,000 units. It's hard to buy 10,000 units and also sell 10,000 units for a profit. So I wanna see that if a team has bought a lot of deals, they've at least sold some for a profit.   I wanna see a team that's putting their own money in the deals. So I want people that have skin in the game. If they don't have skin in the game, and I've seen plenty of syndicators that don't like to put money in the deals, well, they need to sweeten the pot for me somehow. So maybe they're saying, we're not gonna take any profits until at least year three, or we're gonna give you a better preferred return, a better split than you would get if we were putting money in the deal. I wanna know if you're not putting money in.   that you're at least giving me something that aligns our interests and ensures that you're gonna be working hard even though you might not have as much financial risk. So those are the types of things I like to see in the team. I like to see things like at least one or two people working full-time. If everybody's part-time, that's kind of a little bit scary. Obviously not everybody has to be full-time because there are a lot of jobs on a GP team that aren't full-time jobs. There are a lot of jobs that might stop the day you purchase the property. Like the person that's raising money, job's   pretty much done other than communicating status when the property's been purchased. But I do want to know that whoever's managing the asset is doing it full time. So that's kind of the team stuff. Location, again, population growth, employment growth, wage growth, and employment diversity. So those are the four big things I look for. Next is the business plan. So I want to see the biggest question when somebody goes in and...   does what I do, which is a value add multifamily. Basically they buy it, they raise the value of the property and then they sell it for a big profit. Where is that profit coming from? Generally the profits coming from raising the rents. There's also some lowering the expenses, but at the end of the day, raising the rents is kind of the big thing that's gonna generate the big profits in multifamily. And so I wanna know how are you raising the rents? And two, when you tell me that you're raising the rents from X to Y, where is Y coming from?   Scott (32:55.182) Show me the comps that tell me that why is a reasonable new rent, market rent for this property after you've done the renovation. So I wanna see the comps. So that's kind of the deal. The returns speaks for themselves. I wanna see like the structure of the deal. So when's the money coming back to me? Is it paid monthly? Is it paid quarterly? What are the returns look like? What's the preferred return? So is it a low preferred return, which means   that the syndicators are getting paid sooner, whereas at a higher preferred return, which means the syndicators have to do more for me before they take anything home. So that speaks for themselves. And then for the risks, I wanna know both the catastrophic risks. So what's the thing that's like going to make me lose all my money? Is there something out there that can cause me to lose all my money? Hopefully the answer is no, but there are probably some risks that are bigger than others. So we do a lot of deals in Houston. If somebody were to say to me, what's the biggest risk on your deals?   The answer is generally going to be weather. If we have a really bad hurricane, if we're in a flood zone, we probably have flood insurance and we have hurricane insurance. But if it's in a place that's never experienced the negative impacts of a flood or a hurricane, and we are not required to have flood insurance, but there's still a massive hurricane that wipes out that property, that's not going to be good. We're going to have to pay for that ourselves. So what's our mitigation there? We don't have a great one. Luckily.   the risk is really low. We don't buy in areas where there is that risk. And if there is, we're gonna get flood insurance. But I do want my investors to know that no matter where you invest, whether it's a risk and especially in Houston, if we see a storm bigger than anything we've seen the last 50 years, some of our properties could be at risk. And then there are the smaller risks. So maybe there's five other complexes being renovated all around us. Maybe there's class A, brand new class A being developed.   all around us. So basically our absorption of units is going to slow down because there's so many more units. Maybe there's one big employer in the area. Amazon just built a warehouse that's employing 8,000 people. Well, what happens if Amazon has a bad year and has to lay off 4,000 of those people? How's that going to affect us? So, so risks is the next thing. And the way I approach it is I literally sit down with the, with the syndicator and say,   Scott (35:15.554) What keeps you up at night? What are the biggest things you're concerned about? And so those are the things that I do. I have no problem basically saying to a syndicator, I need 15 or 30 minutes of your time to ask these questions. Typically the good ones will either find the times themselves or have somebody on their team that will sit down and answer these questions. If they're not willing to answer those questions, well, that's probably a good indication that that's not a good team.   Yeah. For our listeners out there, that breakdown was incredible. Rewind that, listen to those five items again. That's a quick, but thorough and awesome rundown of what you need to do. Just as at least the starting points for your due diligence. And that's, that's great that you said if they won't book a call with you either themselves or an investor relations person on their team, then it's time to, you can just walk away and look at the next, look at the next deal. One question I had on the deal.   So a lot of folks, it's kind of overwhelming to see an underwriting model or something like that. And being a passive investor, I don't know how much you even want to dive into it. Some people do, some people want to nerd out on it. Most people don't. And we don't generally have access to the T12 or the rent roll or anything like that. What are maybe some quick tips on how to maybe proof through that pro forma to make sure that the assumptions are reasonable and the pro forma is generally   a reasonable prediction of what we might expect from that investment.   Well, let me start, me take a step back before I answer that particular question and just say that even for you and me, mean, you know how to do an underwriting, I know how to do an underwriting. If you or I were gonna invest in somebody's deal, Joe Smith's deal, we're probably not gonna have enough information even though we know this business really well and we know the underwriting models really well, we're probably not gonna have enough information.   Scott (37:08.908) that we're going to be able to know for certain that Joe Smith's not trying to scam us out of money. So if Joe Smith is really smart and he could probably put together an underwriting that could fool us because we're just not gonna be putting in as many dozens of hours underwriting as he and his team are. So the number one thing I would say is make sure you trust your syndicate. This goes back to why team is so important.   because there's two types of things that Joe Smith can do. One, he could do a bad job of underwriting and come up with bad numbers. That's not good, but that's not nearly as bad as Joe Smith wanting to scam us out of money. So number one is make sure Joe Smith's not the kind of guy who wants to scam us out of money. And so work with people who are reputable. And that's why I would invest with you before I would invest with 95 % of syndicators out there because you're an attorney, you passed the bar.   you know that if you go and somebody finds out that you're trying to scam somebody, well, you're putting your entire career at risk. And so what I tell people is, so what do you have that really proves that this person is on the up and up? And maybe it's a track record. Maybe it's 10 or 15 years of doing deals. Maybe it's, I like to think with me, I've been doing this business for 15 years. I've done thousands of deals with hundreds or thousands of people.   And if you go out on the internet, nobody's gonna, you're not gonna find anything that's written negatively about me. So that's a good sign. But make sure that there's something out there that gives you faith in that syndicator, even if it's just somebody else that's invested in a couple of deals with them. So that's number one. So that's the way to rule out that catastrophic, they're trying to scam you risk. Then there's the more likely, what if they just didn't do a good job of underwriting risk?   And so for that, would say for people that have very little knowledge of how the underwriting works and how the numbers work, it can be really difficult. And so what I like to do is, or what I recommend people do is sit down and ask to do a Zoom call for 15 minutes with the investor relations person and say, hey, will you kind of walk me through the high level underwriting? And at least force them to go through and then just ask questions.   Scott (39:30.958) when they say something, even if you have no idea what you're talking about and they say, well, it looks like we're gonna be able to reduce expenses by implementing a rub system, blah, blah, blah. Oh, okay, well, what is rubs and how does that work? And at least make them explain it to you. At least then you'll get an idea that they're not making it up as they're going along, or at least you'll get that confidence that it sounds like they know what they're talking about. But the biggest thing that I would say is that whole comps thing.   And this is a question that a lot of people don't like to ask. But I actually, and when people ask me this question, it always makes me nervous because it's the hardest part of the business, but it impresses me when people do. to the underwriting or the investor relations person, what are the comps that you used for your post renovation market rents? So again, the thing that drives values in multifamily is after the renovation is completed, in theory, you should be able to bring your rents up higher.   and your rents, those higher rents, you should be able to figure out what they are by looking at other units that have already been renovated and seeing what their rents are. So if I buy one, two, three Main Street, and I know I'm going to put $8 million into it, well, now that property is going to comp out to 678 Main Street. And well, what are the rents at 678 Main Street? And so by asking, hey, so you're buying one, two, three Main Street, what are the comps for the rents after you renovate?   and they tell you, it's going to be 678 Main Street and 123 Smith Street, whatever it is, you can then go look up those properties and say, okay, well, it looks like a two bedroom at those properties is renting for 1200. Now I go back to the investor relations person or whatever information they gave me I see, oh, okay, after renovation, they have their rents at 1200. Makes sense. If that's a reasonable comp, they now have the rents at kind of where they should be.   If he says that six, seven, eight main streets, a comp, and you go look in a two bedroom at six, seven, eight main streets, 1200, but their underwriting tells you that after they do the renovation, they're going to be charging 1500. Well, why are you now $300 above this property that you said was a comp? And so that to me is kind of the first thing that I look at or the biggest thing I look at is what are the comps that they're using and does just a kind of first pass.   Scott (41:57.762) jumping on apartments.com or calling the complex and asking them what different things rent for. Does that coincide with what they're telling you their post renovation rents are gonna   Yeah, I love that man. I mean, it's not as simple as just going into an old dilapidated apartment building and saying, I'm to put granite countertops and hardwood flooring and stainless steel appliances in there. And then I'm going to triple the rent or double the rent. It's not that easy. If it's not in the right area that could support those, those market rents or that have potential tenants that want those types of things, it doesn't work. So that's why that's so important to check those comps to see what's around those apartments that you're going to be investing in to see if, they can achieve those.   those proforma rents. All right, man, before we jump into the freedom four, what's one last gold nugget for our listeners?   Absolutely.   Scott (42:45.634) Yeah, so again, what I would tell people is figure out your highest and best use on your active side. And then for the passive side, figure out how you're gonna scale. And I know a lot of people like to invest in a whole lot of different things, but I'm a big fan of doing some work so that you don't have to diversify as much. Diversification is great, but diversification,   is for people who aren't really an expert in anything. If you want to get your best returns, the way to get your highest level of returns is not to have to diversify. And the best way not to have to diversify is to get knowledgeable about whatever you're investing in. So if you decide you wanna invest in all your syndications, just cause that's what you and I do. So it's an easy example. If you want to invest in syndications and that's how you wanna grow your nest egg, my recommendation is,   get as much information about syndications as you can. Pick up a good book on syndications. Go find somebody that does syndications and say, hey, I'd to pay you a thousand bucks for five hours of your time. Or you just to walk me through what a typical deal looks like or what the underwriting looks like. Or go sit in on a hundred multifamily syndication investor videos, presentations. So you can see all the different things they're talking about and become as much of an expert there as you can. So that way you're reducing your risk without having to do a lot of the.   diversification. So focus on whatever your highest and best use of time is on your active income and then become as knowledgeable as you can for whatever you're investing in passively. What I like to say on the passive side is it's not truly passive. Nothing's truly passive. But the best investments are the one where all the work is done upfront. You do your due diligence and then it becomes passive.   Yeah, that's awesome, man. And then what you can do though is diversify within that strategy, right? Absolutely. Yeah, different asset types can have different business strategy, value add, or maybe you're dealing with just a class A where you're chasing yield or across different cities, different geographies, or across different sponsorship teams. There's other ways to diversify within that same type of investment strategy. Yep. All right, man, let's jump into the Freedom 4.   Scott (45:05.598) It's time for the Freedom Four.   What's the best thing you do to keep your mind and body healthy?   So for me, it's admitting when I need a break. I know so many people that it's a badge of honor to work 80 hours a week, 52 weeks a year, never take a vacation. I'm just the opposite. If I wake up one morning and I'm tired and I don't feel like working and I don't feel like I'm gonna be productive, I will grab a book. I might even turn on the TV. I might say to my wife, hey, let's go to breakfast or let's go spend the day, let's go to a movie.   And I have no qualms with just saying, I need a break today. Today's not gonna be a productive day. I don't need to pretend to work just so I can have that badge of honor that I work hard. And so, yeah, and that's one of the nice things about real estate. mean, I don't have a hundred percent flexible work-life balance. I can't do anything I want any time I want, but if I wanna take a couple hours off, I normally can. And so I'm not scared to do that.   Yeah, yeah, that's a great answer. With all your success, what is one limiting belief that you've crushed along the way and how did you get past it?   Scott (46:15.734) Yeah, I still have a lot of them. I think we all do. But I'd say the biggest one is that doing a big deal is not that much harder than doing a little deal. I'm not going to say a hundred million dollar deal is just as easy as a hundred thousand dollar deal. But if you're smart enough to do a hundred thousand dollar deal, you're smart enough to do a hundred million dollar deal. And the people that are out there doing those hundred million dollar deals, mean, we have, we now have a hundred million dollars assets under management.   I remember a couple of years ago, looking at the people that had nine figures under management and thinking, they're different. I can't do that. These are people, went to some school that I will never go to, or they were born into something that I was never born into, or they know people I don't know, or whatever it is. No, they're normal people. And the only difference between them and me was I wasn't thinking big enough.   and I wasn't willing to take some risks and I wasn't willing to acknowledge the fact that doing again, a hundred million dollar deal is certainly within my capabilities. So that to me has been probably the biggest one and it's made it a lot easier for me now to say, okay, $50 million deal, let's go do it, not think twice.   Yeah. I had a similar experience working in, in, big law, doing house flips, doing single family rentals, things like that. And even though my clients are doing 50, a hundred million dollar deals and I'm helping them close those deals, it was just like the mindset shift that, a minute, I can do those deals too. I'm actually giving them advice on how to, how to do this thing. I need to step up my game and, and, take some.   Exactly, it's the difference between people doing a hundred million, a hundred thousand, it's all mindset.   Seth Bradley (48:00.866) Yep, absolutely. What's one actual step our listeners can do right now to start creating more freedom.   take action. So the biggest thing that I see stopping people is just this fear to take the first step. And I know this doesn't apply to a lot of your listeners, but I talked to a lot of people who want to get into house flipping or they want to get into rentals and they've been thinking about it for years and they just never take that first step and then they end up giving up. One of the the few truisms I see in this business   is that there are two types of people I meet. Number one, I meet people that have never done a deal. They've done zero deals. And maybe they're still working on it. Maybe they've given up whatever it is, but they've done zero deals. And then the other type of people I meet in this business are people that have done a lot of deals. They've done five or 10 or 20 or 50 deals. There's one type of person I never ever meet in this business. And that's somebody that's done one deal. Because if you get that one deal, you're gonna get the second and the third and the fifth and the tenth.   Nobody does one deal and then says, okay, that's it, I'm done. can't do this. So what I like to tell people is, and that applies to a lot of things in life. If you can get over the hump and do it once, you're gonna get that snowball effect and it gets easier the second time. It gets even easier the third, it gets even easier the hundred. So don't give up until you achieve that first step or that first iteration of whatever it is you wanna achieve because that's gonna get that snowball rolling.   Yeah. Yeah. We preach that on their show all the time. Just like, you know, just do a deal, just invest in a deal so you can get that experience and it'll just kind of open up your mind to other opportunities. You'll just see opportunity all around you. Once you just do one deal last but not least, how it's passive income made your life better.   Scott (49:51.886) Passive income has given me the ability and the confidence to raise a family. Before this, my biggest concern with raising a family was I didn't want to be, I had, my parents were great, but my parents were always working. And I didn't want to be the same type of father that my parents were. Again, they were fantastic, but I wanted to always be there. I wanted to be at every soccer game, every piano recital.   I wanted to be able to go into school for the parent-teacher conferences. so passive income has really given me the ability to build my life around my family as opposed to building my life around   Love that, love that. It's been fantastic, brother. We're gonna listen and find out more about you.   Yeah, anybody wants to get more info, go to www.connectwithjscott, just letter J, Scott, connectwithjscott.com, and that'll link you out to everything you might wanna find.   Awesome man. Talk soon.   Scott (50:54.945) Awesome. Thanks,   All right, Mr. Jay Scott from Master House Flipper to multifamily syndicator. He's a master of creating profitable, well-oiled business machines. I've been reading Jay's bigger pockets books for years and it's awesome to have the opportunity to have him on the show today. Major key, focus. Focus on transitioning your active income to passive income and don't get distracted. All right, if you're ready for a change, you're ready to take action.   partner with us on one of our next passive real estate deals. Go to passiveincomeattorney.com and join our Esquire Passive Investor Club. All right, kiddos, as always, enjoy the journey.   Thank you for listening to the Passive Income Attorney Podcast with Seth Bradley. Do you want more ideas on how to generate multiple streams of passive income? Then jump over to passiveincomeattorney.com for show notes and resources. Then apply for the private Facebook community by searching for the Passive Income Attorney on Facebook. And we'll see you on the next episode.   Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en J. Scott's Links: https://www.linkedin.com/in/jscottinvestor/ https://www.instagram.com/jscottinvestor/ https://x.com/jscottinvestor https://linktr.ee/jscottinvestor

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Curious how to manage your 401(k), Social Security, and retirement withdrawals in today's market? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase break down practical strategies for navigating retirement planning, taxes, and investment decisions so you can make informed choices for your financial future. • Examine why a strong stock market may not reflect the real economy and what seems to be influencing current market movements. • Break down company stock in 401(k)s and explore how net unrealized appreciation (NUA) can affect tax planning. • Explore listener examples of balancing Social Security benefits and retirement account withdrawals to create a thoughtful income plan. • Review early retirement rules, including 457 plans, 72(t) distributions, and the rule of 55, and how they often impact access to funds. • Analyze estate planning mistakes, even among high-profile cases, to understand potential pitfalls and planning considerations. • Compare brokerage accounts, investment research tools, and target-date funds to evaluate what may fit your individual situation. • Evaluate the trade-offs between mortgage payoff strategies and staying invested when interest rates fluctuate. • Clarify how Roth 401(k) and IRA withdrawal rules differ before age 59 ½ and what that could mean for accessing retirement funds. Gain actionable insights and considerations to help make informed retirement planning decisions. Listen now and subscribe to the Retire Sooner Podcast to stay updated on the key factors shaping today's financial planning and retirement strategies. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tafsir Books in Islam | ZAD Academy Audio | Blogpost by Zayd HajiBy Zayd Haji – Student at Zad AcademyAssalamu Alaikum wa Rahmatullahi wa Barakatuh,I am Zayd Haji, a student at Zad Academy.Alhamdulillah, in this lesson we continue our journey in understanding Tafsir (interpretation of the Qur'an). Tafsir is essential for Muslims because it helps us understand the divine words of Allah ﷻ in their correct meaning. Scholars throughout history have written great works of Tafsir, and in this article, we will explore the most famous classical books of Tafsir, their methodologies, and why they remain important today.Allah ﷻ says:“Indeed, this Qur'an guides to that which is most suitable and gives good tidings to the believers who do righteous deeds that they will have a great reward.”(Qur'an, Surah Al-Isra 17:9 — Quran.com/17/9)Understanding the Qur'an requires correct explanation. The Prophet ﷺ emphasized the importance of knowledge:“The best of you are those who learn the Qur'an and teach it.”(Sahih al-Bukhari 5027 — Sunnah.com/bukhari:5027)Therefore, the science of Tafsir developed to preserve authentic understanding and protect the Qur'an from misinterpretation.Scholars classified Tafsir into two main categories:Tafsir bil-Ma'thūr (Tafsir by transmission): Based on the Qur'an itself, Hadith of the Prophet ﷺ, sayings of the Companions (Sahabah), and the early generations (Tabi‘un).Tafsir bil-Ra'y (Tafsir by opinion): Based on scholarly reasoning. Some of it is accepted when it aligns with authentic knowledge, but it is rejected when it contradicts Qur'an, Sunnah, or established reports.The Prophet ﷺ warned against interpreting the Qur'an without knowledge:“Whoever speaks about the Qur'an without knowledge, let him take his seat in the Fire.”(Sunan al-Tirmidhi 2950 — Sunnah.com/tirmidhi:2950)Imam Abu Ja‘far Muhammad ibn Jarir al-Tabari (d. 310H) wrote one of the earliest and greatest works of Tafsir. His book relied heavily on narrations from the Prophet ﷺ, the Companions, and the Tabi‘un. However, he also included reports from the Isra'iliyyat (Jewish and Christian traditions), which require caution. Despite this, scholars considered his Tafsir among the most authentic classical works.Imam Isma‘il ibn Kathir (d. 774H) authored Tafsir al-Qur'an al-‘Azim, which became one of the most widely used Tafsirs. He was very cautious with Isra'iliyyat and critiqued weak narrations. His Tafsir remains a cornerstone of Qur'anic understanding and has been translated into English and many other languages.Rely on authentic sources: Qur'an, Hadith, Sahabah, and early scholars.Be cautious of Isra'iliyyat: Some narrations may be weak or fabricated.Compare methodologies: Al-Tabari included Isra'iliyyat more frequently, while Ibn Kathir critiqued them and warned readers.Tafsir is a noble science that protects the meanings of the Qur'an and preserves the understanding of the early generations. Both Tafsir al-Tabari and Tafsir Ibn Kathir are treasures of Islamic scholarship. As students of knowledge, we must approach them with care, respect, and reliance on authentic chains of transmission.May Allah ﷻ grant us beneficial knowledge and guide us to the truth.

Your successes are yours to define.Text me at 972-426-2640 so we can stay connected!Support me on Patreon!Twitter:  @elliottspeaksInstagram: @elliottspeaks Text me at 972-426-2640 so we can stay connected!Support me on Patreon!Twitter: @elliottspeaksInstagram: @elliottspeaks

I've used AI for over 1,000 hours to grow my career, build a brand, and scale this podcast. In this episode, I'm sharing five rules to help you use AI the right way. Whether you're writing a resume, preparing for a big meeting, or trying to get promoted faster, AI can help, but only if you know how to use it well. This is your no-hype playbook for making AI a real advantage in your career.Not sure if your job is still the right fit? Take my free 3-minute Career Fulfillment Quiz to find out if your current role is fueling you or draining you. You'll get a custom score, insights, and a plan to move forward. Try It HereTimestamps00:56 - Storytime: I built something cool with Artificial Intelligence. 04:18 - Rule 1: Mastery Creates Separation: Why using AI everyday is the fastest way to get ahead.05:43 - Rule 2: AI Isn't Your Crutch: How to avoid letting AI weaken your instincts or critical thinking.07:05 - Rule 3: Blind Trust is Bad: AI makes mistakes. Learn to question the results and double-check everything.08:21 - Rule 4: Bad Inputs = Bad Outputs: I walk through the four things every great prompt should include.10:11 - Rule 5: Stay in Your Strength Zone: Use AI to eliminate the boring stuff and stay focused on what makes you great.12:27 - Career and Leadership Use Cases: Real-world examples of using AI to write resumes, negotiate salary, prep for meetings, and coach better.18:32 - Challenge for Listeners: Pick one task this week and run it through AI. Compare before and after. Was it more efficient? Did it help?Career & Leadership CoachingWant a better career? Clients who work with us earn 57% more and get promoted 3x faster on average: Book your free career clarity call here.EngageNew episodes drop every other Wednesday. Be sure to subscribe.Send in your career, leadership, or self-development questions and I'll answer them on air.Email: theintrovertleader@gmail.comLinkedIn: linkedin.com/in/austinchopkinsYouTube: ​Austin HopkinsCareer Coaching: www.sts-coaching.com

7:00 HOUR: Has your confidence in the Lions been shaken? We compare the Tigers to other World Series contenders

Tired of filling out multiple applications and taking multiple credit hits just to shop for the best mortgage rate? In this live event, I'll show you how to: ✅ Compare offers from 30+ mortgage lenders at once ✅ Use just 1 application to save time and stress ✅ Get it all done with only 1 credit pull — protecting your score Whether you're buying your first home, refinancing your current mortgage, or just keeping an eye on rates, this method puts you in control of your loan shopping. No more confusion, no more wasted time — just side-by-side comparisons that can save you thousands.

Episode Summary: What can a pack of African painted dogs teach us about leadership and gender equity? A lot more than you might think. On a recent Disney trip with my son, I hopped on my favorite ride - Kilimanjaro Safari -in one of my favorite parks – Animal Kingdom, and our guide, Kyla, shared something that really caught my attention: painted dogs are the most successful hunters in the animal kingdom with an incredible 85% success rate. Compare that to the so-called “King of the Jungle,” the lion, who is successful only about 20% of the time. The difference? Not brute force. Not dominance. Not confidence. The painted dogs' secret is collaboration. They succeed because an alpha male and alpha female lead together, backed by the entire pack. In this episode of the Advancing Women Podcast, we explore: Why win/win beats win/lose in leadership and equity. The hidden strengths that are too often overlooked and undervalued. How McKinsey research proves diverse, collaborative leadership outperforms. The importance of communal traits like empathy, compassion, and collaboration. Why the future of leadership looks a lot less like lions, and a lot more like painted dogs. This episode is a reminder that leadership and equity aren't about fighting for the biggest piece of the pie. it's about ditching the scarcity mindset in favor of abundance. Win/Win! If you lead a team, an organization, or even your own family, this episode will challenge you to rethink leadership and equity, not as competition, but as collaboration. #tunein and discover why the case for gender equity is really the case for better leadership for everyone. References:

In this episode of The Modern Hairstylist Podcast, host Hunter Donia and guest Jodie Brown sort the myths from the metrics on what should determine your prices. If you have been told to lean on years of experience, awards, or a fancy salon vibe to justify a raise, this conversation shows you a clearer path based on demand, retention, and real numbers. You will also hear Hunter's take on when competition matters and how to use it without copying your neighbor. Whether you are moving to a new city, leaving a team salon, or simply wondering if now is the time to raise prices, you will learn how to evaluate your own data first and then layer in market context so your decisions fit your business and your clients. Key Takeaways:

Robin Clevett is joined by British Carpenter,  Matthew Lane, who is based in Kentucky to discuss his current experiences with timber cost, availability and quality. Matt also talks about how tax works there, Health & safety and some of the projects he's completed since last appearing on the show.

Glass half full, Bill Belichick - at least now you know she's not into you for your coaching. Must be your rugged good looks. What we all already knew before last weekend even kicked off - there are only four or maybe five of those teams with an actual chance of winning the national championship. College football's great.. except for the end part, when the elites head behind the velvet ropes into the vip area and everybody else gets to fight over Poptart and Mayo bowls. What's the biggest surprise in the last half century in college football? BYU in '84, Howard Schnellenberger & Bernie Kosar beating Nebraska in the '84 Orange Bowl. And... that's it. Compare that with the NFL - where the unimaginable is the norm, and I don't just mean the Dallas Cowboys trading their best player to their rival since the days of the ice bowl. The Micah Parsons deal wasn't so much unimaginable as it was un-smart. For all our collective focus on pro football, there are still things that no one sees coming. I was thinking about how often the NFL's turned me into Vince Lombardi, asking what the hell I'm looking at. The biggest surprises of the last 60 yrs of the super bowl era are that the three best QBs of the super bowl era are a six round draft pick, a 3rd round draft pick from Pennsylvania named Montana, and a QB who was drafted behind Mitchell Trubisky. The O.G. Of improbability is of course the Jets beating the Colts in super bowl 3. Broadway Joe may have shared his bed with half the women of Manhattan, but it was unimaginable anyone from the AFL could get to first base with the Lombardi. To be accurate, the trophy wasn't named the Lombardi til 1970, after Namath had won it. But then again, if the Cowboys had survived the Ice Bowl in ‘67 then won the second super bowl, that trophy might now be called the Landry. Imagine that. We've got Mike Ryan Ruiz from the Dan LeBatard Show on today along with Dan Hanzus from Heed the Call. Week one picks with the Super Fuentes Bros and news updates about Parson's epidural along with my Fantasy Football League with newsman Bradley. Let it begin! Learn more about your ad choices. Visit podcastchoices.com/adchoices

This Podcast Is Episode 644, And It's About Five Hidden Ways Contractors Lose Profits (And How To Stop It) Where did the money go? If you've ever looked at your bank account at the end of a busy month and thought, "I did all that work—so where did the money go?", you're not alone. This is one of the most common frustrations we hear from small business owners in the construction industry. You're booking jobs, staying busy, and delivering great work—but the profit doesn't seem to match the effort. As construction bookkeeping specialists, we've seen behind the numbers of dozens of small contractors. And time and again, we find the same hidden leaks draining their profits. The good news? Once you know what to look for, you can fix them—and finally start keeping more of what you earn. Here are five common ways contractors lose profits (without even realizing it)—and what you can do to stop the leaks. 1. Untracked Labor Hours: Working More Than You Billed Labor is often your most considerable cost. But for many small contractors, labor tracking is one of the weakest parts of their system. If you (or your crew) aren't logging actual hours worked on each job, you're likely underestimating how much time the project really took. That means you're effectively working for free on those "extra" hours. Real example: A contractor estimated a bathroom remodel at 40 hours of labor. The job actually took 55 hours. At $50/hour, that's $750 of lost profit—just from labor under-tracking. Multiply that across several jobs, and you can see how the profits evaporate. How to fix it: Use a simple time-tracking tool (like QuickBooks Time, or even a shared spreadsheet). Log hours daily—not at the end of the week when details are fuzzy. Compare estimated vs. actual hours after each job. This helps you improve future bids and spot inefficiencies. Bookkeeper's tip: If you track hours properly, I can show you job profitability in real time—and you'll see exactly which jobs (or crew members) are eating into your margin. 2. Unapproved Change Orders: Giving Away Work for Free Scope creep is the silent profit killer. A client asks, "Can you just add this?" and you say yes because it seems like a minor request. But those "little extras" add up quickly—and suddenly your margins are gone. Real example: A deck project initially included a standard railing. Midway through, the client asked for an upgraded design. The contractor agreed but never adjusted the invoice. The upgrade cost him $500 in materials and 10 extra labor hours—completely unpaid. How to fix it: Create a straightforward change order process. Stop work when clients request something new until the change is approved in writing. Even if it feels awkward, remember: change orders protect both you and the client by keeping expectations clear. Bookkeeper's tip: Keep a change order log for each job. We can help track approved vs. pending changes—so nothing slips through the cracks. 3. Material Waste and Overruns: Small Leaks, Big Losses Materials are another common leak. If you're not reconciling receipts against your estimates, you may be spending far more than you realize. It's not always theft or big mistakes—it's the little things: over-ordering, miscuts, lost supplies, or last-minute runs to the hardware store. Real example: A contractor estimated $5,000 in materials for a kitchen remodel. By the end, he had spent $5,800. That $800 didn't seem huge—but on a project with a $2,000 expected profit, it wiped out nearly half. How to fix it: Match every material receipt to the job. Track waste (e.g., lumber offcuts, unused drywall sheets). Build a small buffer into estimates (5–10%) to account for inevitable overruns. Do weekly check-ins: Are material costs still aligned with the budget? Bookkeeper's tip: If you send us your receipts consistently, we can flag when a job is trending over budget before it's too late. 4. Late Invoicing and Slow Collections: Cash Flow Gaps Many contractors do the work first and think about invoicing later. The problem is that late invoices result in late payments. And late payments can create cash flow crunches that force you to dip into savings, use credit, or delay your own bills. Worse, some clients "forget" to pay unless reminded. If you're not consistent about invoicing and follow-ups, you might never collect everything you've earned. Real example: A contractor finished a $10,000 basement project but didn't invoice until six weeks later. The client delayed payment for another four weeks. That's 10 weeks without income—while the contractor was already paying subs and suppliers. How to fix it: Invoice immediately at milestones—not weeks later. Use progress billing: collect deposits upfront, then bill at set phases. Set clear payment terms (Net 15, Net 30) in your contracts. Automate reminders using software like QuickBooks, Joist, or FreshBooks. Bookkeeper's tip: We can set up a system where invoices go out automatically and overdue payments are flagged—so you never have to chase clients down again. 5. Forgetting Overhead: Missing the True Cost of Running Your Business This is one of the biggest mistakes we see: contractors price jobs based only on direct costs (labor + materials) and forget to include overhead. Overhead is everything it takes to keep your business running, like: Truck payments and fuel Insurance and licenses Office supplies and software Marketing and advertising Your own salary! If you don't factor in overhead, you might think you made a profit—but really, you just broke even. Real example: A contractor charged $15,000 for a renovation. Materials and labor cost $11,000, so it looked like a $4,000 profit. However, once overhead was factored in (including fuel, insurance, phone, bookkeeping, etc.), the actual profit was closer to $1,200. How to fix it: Calculate your monthly overhead. Divide that into your billable hours or projects. Add it to every estimate. Bookkeeper's tip: We can calculate your overhead burden per job, so you'll know exactly how much to add to every quote to stay profitable. Recap: 5 Hidden Profit Leaks Untracked labor hours Unapproved change orders Material waste and overruns Late invoicing and slow collections Forgetting overhead Each of these may seem small, but together they can drain thousands of dollars from your business every year. The Bottom Line: You Don't Have to Keep Losing Money The difference between "busy and broke" and "busy and profitable" isn't more jobs—it's better control of your numbers. When you track your labor, materials, change orders, invoices, and overhead, you stop the leaks and keep more of the money you've already earned. And you don't have to do it alone. As construction bookkeeping specialists, we help small contractors: Track job profitability in real time Catch hidden leaks before they get worse Set up systems that save time and reduce stress Contact us today and get the help you need. About The Author: Norhalma Verzosa is a Certified Construction Marketing Professional and serves as the Web Administrator of Fast Easy Accounting, located in Lynnwood, WA. She holds a Bachelor's Degree in Psychology and is a Certified Internet Web Professional, with certifications in Site Development Associate, Google AdWords Search Advertising, and HubSpot Academy. She manages the entire web presence of Fast Easy Accounting using a variety of SaaS tools, including HubSpot, Teachable, Shopify, and WordPress.

Ready to explore new perspectives on retirement planning? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine money, markets, and financial strategies, highlighting ways thoughtful planning may help support financial confidence. ·       Review how stock dividends have historically compared with bond interest over the long term. ·       Explain total return as the combination of growth and income, and discuss how it relates to inflationand purchasing power. ·       Compare the historical performance of stocks and bonds and outline the effects of compounding over decades. ·       Consider the role of bonds in a portfolio, particularly for those seeking stability and diversification. ·       Address listener questions on money supply, cash reserves, risk tolerance, and the potential influence of guaranteed income sources on retirement timelines. ·       Explore options for self-employed retirement savings, including the flexibility of solo 401(k) plans. ·       Reflect on the psychological value of having a financial plan during periods of market uncertainty. ·       Highlight trends in U.S. manufacturing productivity, including the impact of AI, robotics, and Midwest innovation. ·       Discuss approaches to balancing an emergency fund with retirement contributions, and review considerations around Roth accounts. ·       Examine practical examples of retirement-related decisions, such as early home purchases, Roth IRA conversions, and considerations for taxes, Social Security, and pensions. Gain insights into the discussions shaping retirement planning and investing today. Listen and subscribeto the Retire Sooner Podcast to explore more perspectives that can help guide your financial journey. Learn more about your ad choices. Visit megaphone.fm/adchoices

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Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.If you've ever wondered whether you can truly live off dividends, this video breaks it all down in plain English. We're taking a deep dive into dividend investing strategies, looking at what works, what doesn't, and why chasing high yields can be riskier than it looks. You'll discover how some investors with less than $500,000 are already living off dividends, why Johnson & Johnson's 2.9% yield is both attractive and limited, and how a stock's price growth can often dwarf its dividend payouts.The video explores the real math behind dividend yields, capital appreciation, and how compounding growth changes the game. You'll see examples like JNJ up 24% year to date, covered call ETFs generating steady income, and REITs offering additional streams of cash flow. But there's also a warning—stocks like UPS and Pfizer may boast 6% to 7% dividends, but if the share price drops 30%, that income doesn't look so appealing. The truth is, focusing only on yield often means missing the bigger picture.We also compare different approaches: blue chip dividend stocks, Treasury ETFs with near-zero risk, covered call ETFs like QYLD and JEPI, and even ultra-high-yield funds like YieldMax. Each comes with trade-offs. Some offer consistency but limited growth, others carry massive risk despite eye-popping yields. By the end, you'll understand how to balance income with growth, and why protecting your principal is just as important as generating cash flow.A big focus here is taxes and classifications. Dividends aren't all equal—some are qualified and taxed at lower capital gains rates, while others are ordinary income taxed at your highest bracket. Covered call ETFs often include return of capital, which can defer taxes but also lower your cost basis. These details matter if you're planning to retire early or live off passive income before traditional retirement age.This isn't just theory. The strategies covered include real-world examples of dividend stocks, REITs, ETFs, and funds being used right now. You'll learn why “all stocks are bad but sometimes they act right” and how to recognize those moments with tools like the OVTLYR trend template. More importantly, you'll see why sitting in cash at 4% APY might sometimes beat chasing risky yields.Whether you're aiming for financial freedom, retirement income, or just smarter portfolio management, this video shows how dividend strategies really play out in practice. The goal isn't just collecting drips of cash—it's capturing the flood of opportunity when growth and income align.➡️ Learn why dividend investing isn't a one-size-fits-all approach➡️ See how to spot traps in “too good to be true” high yields➡️ Compare low-risk vs. high-yield income strategies➡️ Understand the tax implications of dividends and ROC➡️ Use OVTLYR's behavioral analytics to know when to hold and when to move to cashGain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

Comparing yourself to others is natural, but it can stop you seeing your own progress. Behind every successful tutor or business owner is a messy chapter one.In this episode, I share how to reframe comparison so it drives growth instead of doubt. You will learn how to turn admiration into action and take steps that move your tutoring or education business forward.Enjoy :-)Sumantha____________________

HT2368 - Photographic Realism Photography certainly has a reputation of being the most real medium for showing things. Every detail, every instance of light is so akin to human vision. Compare this to other visual media like watercolor, oil painting, dry point itching, linoleum cuts etc. All other media have an aesthetic that makes no pretension about realism. So is photographic realism its strength or is it the characteristic that separates it from the rest of the visual arts community? Show your appreciation for our free weekly Podcast and our free daily Here's a Thought… with a donation Thanks!

Beginner's Guide to Amazon Marketing Cloud (AMC) for Amazon Sellers.In this Beginner's Guide to Amazon Marketing Cloud (AMC) for Amazon Sellers, you see what drives your sales and stop guessing.Watch the step by step walkthrough that takes you from access to action.Learn AMC SQL basics, use case templates, and a five year lookback to map the path to purchase. Extend Time to Conversion insights as about 50 percent of purchases happen within 30 minutes and many occur from day 1 to day 30. Compare new to brand and repeat buyers, then blend Sponsored Products with DSP to see the full journey. Build NTB audiences for Sponsored Brands and Sponsored Products. Use Amazon Retail Purchases and Brand Store Insights. Apply query templates, paste table schemas, and export clean results without breaking Excel. You leave with ready to run audiences, smarter retargeting windows, and reporting you can ship today. This Beginner's Guide to Amazon Marketing Cloud (AMC) for Amazon Sellers gives you everything to start.

Discover the factors shaping productivity, markets, and the economy with Wes Moss and Connor Miller on the Money Matters Podcast. Stay informed and explore discussions about today's economic and financial landscape. • Hear how Labor Day connects to America's productivity trends and why cultural moments like football season and the Cracker Barrel logo can illustrate broader market sentiment. • Examine Nvidia's earnings and its growing role within the S&P 500. • Track revisions in U.S. GDP growth and what they could indicate about economic trends. • Explore how productivity continues to rise even as manufacturing employment shifts. • Reflect on technological advances once imagined by the Jetsons and how they relate to today's economy. • Review recent Federal Reserve actions, interest rate changes, and potential impacts on housing and first-time buyers. • Analyze corporate stock buybacks, for example by companies such as JP Morgan, Nvidia, Alphabet, and Apple, and consider distinctions between buybacks and dividends. • Compare historical stock and bond performance over 45 years, including long-term trends, income, and inflation considerations. • Observe how bonds contribute to portfolio stability and how diversification has historically enhanced resilience during market downturns. • Highlight trends in American manufacturing and how Midwest companies contribute to productivity trends. • Assess the expansion of ETFs, shifts from mutual funds, and what the variety of available funds suggests for investors. • Hear from Wes Moss, Connor Miller, and the Money Matters team about topics shaping markets and economic trends. Listen and subscribe to the Money Matters Podcast to hear discussions about markets, investing, the economy, and financial topics shaping today's world. Stay informed and stay engaged with the conversations that seek to provide perspective on today's economic landscape.

In this episode of Overpowering Emotions, Dr. Caroline zeroes in on emotional literacy as an essential foundation of all self-regulation. From everyday behaviours to big emotional outbursts, the ability to name and understand emotions changes everything. Learn why kids often shut down, spiral, or explode when they don't have the right words—and how to build their emotional vocabulary in ways that are playful, specific, and powerful. You'll walk away with real-world tools and creative strategies to support kids at every stage. Learn what you need to help kids feel, name, and regulate emotions—so they can build confidence, connection, and resilience. Homework Ideas & Resources Daily Feelings Check-InsUsing a visual, like a feelings wheel or emojis, ask: · How do you feel right now?· How do you know?Resource: use the feels wheel, emotions list, or emojis in the emotional literacy resource book Build an Emotion Word WallStart with basic categories (mad, sad, happy, scared). Then expand with synonyms and nuance (e.g., “annoyed,” “resentful,” “embarrassed,” “overwhelmed”). Ask kids to:· Sort words by intensity· Compare synonyms (What's the difference between nervous and uneasy?)· Add new words they discover in books, music, or real life Emotion Detective JournalEach day, kids track:· One emotion they felt· What may have triggered it· What they noticed in their body, thoughts, and behaviour· What helped, what didn'tThis supports emotional tracking and self-awareness over time. Check out the Emotional Literacy Resource to help you with each of these activities (https://korulearninginstitute.kit.com/emotionalliteracy) Enjoying the show? Help out by rating this podcast on Apple to help others get access to this information too! apple.co/3ysFijh Follow Dr. Caroline YouTube: https://www.youtube.com/@dr.carolinebuzankoIG: https://www.instagram.com/dr.carolinebuzanko/ LinkedIn: https://ca.linkedin.com/in/dr-caroline-buzankoFacebook: https://www.facebook.com/DrCarolineBuzanko/X: https://x.com/drcarolinebuzWebsite: https://drcarolinebuzanko.com/Resources: https://drcarolinebuzanko.com/#resourcesBusiness inquiries: https://korupsychology.ca/contact-us/Want to learn more about helping kids strengthen their emotion regulation skills and problem-solving brains while boosting their confidence, independence, and resilience? Check out my many training opportunities! https://drcarolinebuzanko.com/upcoming-events/

Send us a textForrest Frank's viral song “Your Way's Better” is catchy, AND its lyrics point us to a deeper truth worth slowing down to consider: God's way truly is better. From Paul's letter to the Romans to Israel's wilderness experiences, Scripture shows us over and over again the futility of choosing our own way over God's way. This week on More Than a Song, we'll explore Romans 10 and discover how clinging to our own efforts can keep us from the righteousness that only comes through Christ.Key PointsThe lyrics highlight a clear contrast between the ways of sin and the ways of God.Romans 10:1–4 reveals the Jews' “misdirected zeal” as they cling to their own way instead of embracing God's way through Christ.God's way of making us right with Himself is not through law-keeping, but through faith in Jesus.The warnings of misdirected zeal, misunderstanding, and clinging to self-effort apply just as much to us today as they did to the Jews of Paul's day.Studying larger sections of Scripture (like Romans 9–11) helps us grasp the full context of Paul's arguments and God's redemptive plan.Scripture ReferencesRomans 10:1–4 – God's way of making people right with Himself through Christ.Romans 9:4–5, 20 – Israel's privileges and Paul's reminder of God's sovereignty.Exodus 15 – God sets forth His way in contrast to Egypt and Canaan.Matthew 16:23–24 – Jesus rebukes Peter and calls His followers to walk in His way.Bible Interaction Tool Exercises (BITEs)Study larger chunks of Scripture – read Romans 9–11 for context.Read in context – expand to the chapter before and after your focus passage (this is a loose rule...I explain more on the episode)Compare translations – notice how different versions phrase “God's way” vs. “their own way.”Use section headings – gain bearings in a familiar text by scanning how thoughts are grouped.Consider opposites – clarify what God's way is by identifying what it is not.Additional ResourcesDownload the free Episode GuideLyrics for Your Way's Better by Forrest Frank – NewReleaseToday.comEpisode 519 – Looking at how God reigns with wisdom, power, and love.Episode 518 – Jesus rebukes Peter for having in mind the things of man instead of the things of God, then teaches how to follow Him.Episode 515 – Israel's early wilderness experiences in Exodus 15, contrasting God's way with the ways of Egypt and Canaan.This Week's ChallengeRead Romans 9-11. I recommend reading it several times in various translations. For example, the phrasing “God's way” vs. “their own way” is found in the New Living Translation, and I may have missed it in the ESV or CSB, which I often read and study. Look closely at the characteristics of the people and God's ways. Consider big picture ideas here and how you might be able to identify the same errors in your Purchase your copy of A Seat at the Table today! Change your music. Change your life. Join my free 30-Day Music Challenge. CLICK HERE.

Women are running businesses, households, finances, relationships and careers. That alone makes us leaders. Combine all we have to do in our personal lives with the pressures of growing professionally, burnout and overwhelm may not be far behind. If you struggle with fostering a mindset that helps you think like a leader, an executive, or the BOSS that you are, let's change that today! I'm so excited to chat with Executive Coach Latesha Byrd about how women can start thinking like leaders – in their work and personal lives. Latesha is sharing how anyone can excel in their work environment and create the impact they desire.   Here's a glance at this episode: [02:40] Latesha has always operated through a lens of never settling. Her self-belief has always been high, thanks to growing up in a single-parent household. [09:00] There is no set way to be an executive. When you think of executive presence, you get to decide what that looks like for you. [19:25] You don't need to talk about wins in comparison with someone else. Compare current you to past you and share that growth recognition. [29:00] Getting out of your comfort zone and taking risks is what helps build confidence in yourself. “Success leaves clues.” [39:08] Assess your self-worth against your true values. Also, don't be afraid to say no to things that aren't aligned.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Follow Latesha on Instagram Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

"God's Intervention During Spiritual Regression"Genesis 20:1-18The Book of Genesis Series - In The Beginning, GodKyle Van DykeAugust 31, 2025SEEK WEEK is September 7–12 https://www.oasischurch.online/seek-weekShould Christians pay attention to POLITICS? https://www.youtube.com/watch?v=ak82aD16r04OPEN PLAY in September: our 2000 sq ft indoor play area is open to the public on Wednesdays in September from 9-11 AM. Follow Oasis Kids for details: https://www.instagram.com/oasiskidsvaHave you heard the news about the FUTURE of Oasis Church?https://www.oasischurch.online/futureKIDS SPACE with EXPANDED MOTHER'S ROOM!Did you know we have a Mothers Room — a quiet, private space for Mothers to care for their babies and still be able to watch the worship and sermon on Sunday mornings. https://www.instagram.com/oasischurchva/reel/C8FqHIipr3u/WE HAD TO CHANGE OUR VISION STATEMENT https://www.youtube.com/watch?v=L0WFhtL7h3ISERMON NOTES:God's Intervention During Spiritual Regression- Genesis 20:1-18 (NIV)- Verse 1 - Abraham's Departure- Genesis 19:27-29 (NIV)- Direction toward Egypt = symbolic of regression or spiritual drifting - Verse 2 - The Repeated Lie- Genesis 18:14 (NIV)- Verse 3-7 - Abimelek's Dream- Verse 8-10 - Abimelek Confronts Abraham- Verse 11-13 - Abraham's Excuses - How we excuse our own sin:    1. Compare our righteousness to others    2. Try to justify with half-truths    3. Blame God or others for our own actions- Verse 14-17 - Restoration- Ephesians 2:4-5 (ESV)- Titus 2:11-14 (NIV)- 1 Corinthians 10:12-13 (NIV)- The great paradox of God's intervention is he can write perfectly straight with the crooked and sinful lines of men.Oasis Church exists to Worship God, Equip the believers, and Reach the lost.We are led by Pastor Nate Clarke and are located in Richmond, VA.Stay Connected:Website: https://oasischurch.online Instagram: https://www.instagram.com/oasischurchva/Facebook: https://www.facebook.com/OasisChurchRVA/

Where does Warren's deal compare with other running backs in the NFL?

49ers Rush Road Trips are now available for sale on https://www.tickpick.com/organizer/o/49ers-rush or download the Tick Pick app and search "49ers Rush" or go to 49ersRushRoadTrip.com use code "NINERS" for $10 off!There are several ways to support the podcast! Join us at The49ersRush.com for all of our All22 film breakdowns and bonus content. This is the best way to support the show.We still have our Patreon as well https://www.patreon.com/49ersRushPodcastGo to MyBookie.ag and use code "49ers" for deposit bonus!!!!Check out PrizePicks: https://prizepicks.onelink.me/LME0/49ERSI am most active on Twitter please follow @JL_Chapman, Instagram: 49ers Rush Podcast, Email: 49ersRushPodcast@gmail.comIf you need help with website design/builds go to https://www.powerbrandsystems.com/crm949620?am_id=john874Get all 49ers gear at homage.sjv.io/MmYXO2#49ers #49ersrushOur Sponsors:* Check out PrizePicks: https://prizepicks.onelink.me/LME0/49ERSSupport this podcast at — https://redcircle.com/49ers-rush-podcast-with-john-chapman/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

You're invited to consider a question and then compare your answers to what Dave thinks. You'll also hear from other listeners in Quebec, Texas, and Delaware during today's ten-minute walk.Join the new Walking Friends Community on Patreon for exclusive longer, ad-free, episodesWatch the video 5 Negative Surprises From Walking 10,000 Steps and see how your thoughts compare with Dave'sSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

If you've ever doubted your ability to make muscle mass and strength gains after menopause, this episode is for you. It's not too late to gain strength and lean muscle mass can be gained at any age—even after 85.   Based on a 2024 Study on Resistance Training in Older Adults by Int. Journal of Sports Nutrition & Exercise Metabolism, here's what happened and the results: Participants:  17 adults aged 65–75. 12 adults aged 85+. Program:  Duration: 12 weeks, 3x per week Structure: Warm-up  4 lower body sets 3 upper body exercises (2 sets each) Stretching Results: Quadriceps strength increased in all participants 65–75 group: 1–18%  85+ group: 6–21%  1RM leg extension increased in all participants 65–75 group: 38% ± 20%  85+ group: 46% ± 14%  Improvements were seen in lean mass, strength and functional activities like chair stands, gait speed, timed up-and-go.   Defining Muscle Mass and Strength Gains After Menopause Exercise intensity is based on decreasing repetitions to muscular fatigue.  Exercise volume is based on the number of sets.   Considerations for Exercise Volume in Women in Menopause Volume = sets x reps x weight or total weekly workload. Start small (1–2 sets, 2x per week if inactive). Build to 3x only once consistent. Balance recovery: not just alternating workout/rest days, but also factoring in life stress. Menopausal women may need 48–72 hours between resistance sessions, per muscle group.   For women post menopause; increasing the number of days per week to reach greater exercise volume can be problematic because of the need for balance with recovery days. We don't mean 1 day work, 1 day rest. It can mean 1 day of high intensity work and 2 or 3 days light or moderate exercise for another type for recovery.   Start Your Strength Gains After Menopause The beginning phases of exercise should last longer for a woman starting in her 60s or 70s. Muscle, ligaments and tendons collectively are not as resilient at 60 as they were at 20. Since most early improvements are due to neural adaptations and heavier weights don't accelerate that, progress at a pace so you know you've exercised muscles but aren't sore or uncomfortable. You're in this for life. There's time.   The adaptive response to resistance training is preserved even in males and females over 85.   Protein & Resistance Training Two drivers of muscle protein synthesis: Resistance Training Adequate Protein. For metabolic health: ~100g/day (for 160 lb woman). For optimal fitness: closer to 160g/day. Protein recommendation for a 160lb adult is 60 grams of protein day. Only 46% of older adults get that.   5-Step Protein & Resistance Training Process: Track your current protein intake. Compare with recommendations based on age, weight, activity. Identify gaps without judgment. Close the gap gradually. Set short-term goals, especially starting with breakfast protein.   Muscle Mass and Strength Gains After Menopause are Dependent On… Relative Strength Training Power decreased significantly after the age of 50 years and was negatively and strongly associated with mobility limitations.   Mobility & Longevity Connection Strength must be paired with mobility to prevent limitations. Key focus areas: ankles, hips, upper back. Loss of mobility = harder to regain later. More… much more on mobility in upcoming posts. References:  Journal of Cachexia Sarcopenia and Muscle. 2021, PMID: 34216098. Journal of Nutrition, Health and Aging. 2019, PMID: 30932132. International Journal of Sport Nutrition and Exercise Metabolism. 2023, PMID: 37875254.   Other Episodes You Might Like: Previous Episode - Aging with Power, (Without an Outage) with Vonda Wright Next Episode - 80 Lb Perimenopausal Weight Loss After Corporate Burnout More Like This: What Is Sarcopenia and How to Avoid Sarcopenia In Menopause What's Best Total Body or Split Routine in Menopause   Resources for Strength Gains After Menopause:  Join the Hot, Not Bothered! Challenge to learn why timing matters and why what works for others is not working for you. Get the Flipping 50 STRONGER 12-week program for your at-home safe, sane, simple exercises. Get your lean, clean Flipping 50 Protein Powders to maintain muscle and support metabolism.  

President and CEO of the 49ers from 1991-1997, Carmen Policy, joins Silver & Krueger to compare the Micah Parsons trade to the difficulties of trading Charles Haley to an NFC rival. Plus, why the 1994 Super Bowl meant so much to him, to ownership, and to the players.See omnystudio.com/listener for privacy information.

President and CEO of the 49ers from 1991-1997, Carmen Policy, joins Silver & Krueger to compare the Micah Parsons trade to the difficulties of trading Charles Haley to an NFC rival. Plus, why the 1994 Super Bowl meant so much to him, to ownership, and to the players.See omnystudio.com/listener for privacy information.

Send us a textTommy Fleetwood's long-awaited breakthrough at Eastlake marks a pivotal moment in golf's mental game saga. After years of Sunday heartbreaks, watching Tommy walk up the 18th with a three-shot lead felt like witnessing the final chapter in a redemption story we weren't sure would ever be written. The revamped FedEx Cup format—where all 30 finalists started on equal footing—delivered exactly the drama and competitive balance golf needed, transforming what Scottie Scheffler had dominated into an unexpected triumph for perseverance.What separates professional golfers from amateurs isn't just technical skill but their remarkable mental resilience. When PGA Tour pros record a bogey or worse, they follow it with a birdie or better 20.7% of the time. Elite players like Scheffler bounce back at an astonishing 35.8% rate. Compare this to recreational golfers who typically spiral after a bad hole, carrying that frustration forward. This stark difference highlights why mastering the mental game—staying present, resetting after mistakes, and focusing on the shot at hand—remains golf's final frontier for amateurs seeking improvement.Beyond the fairways, we're witnessing corporate tactics that would make Columbia Record Club proud. LA Fitness faces FTC charges for implementing nearly impossible cancellation procedures—requiring certified mail, restricting cancellations to rarely available staff members, and continuing to bill customers under different account numbers after supposed cancellations. These modern-day roach motels where "customers check in but don't check out" remind us that consumer protection remains as relevant today as ever. Meanwhile, the contrast between the three-hour Lincoln-Douglas debates (with 90-minute uninterrupted responses) and today's sound-bite political landscape reveals how profoundly our attention spans and discourse have transformed. Subscribe now for more tales that connect golf's wisdom to life's absurdities, all delivered with a splash of Southern charm from beautiful Charleston, South Carolina.Support the showSpotify Apple podcastsAmazon Music all other streaming services

Everyone suffers. To learn more about finding true happiness, check out our bestselling book, NEW HAPPY: Getting Happiness Right in a World That's Got It Wrong! Available at www.thenewhappy.com/book

Show notes:  Episode Overview Join host Moni as she breaks down everything you need to know about the More Than a Mil Spouse Summit and why military spouses need to attend this transformative business event. Moni shares that this summit was divinely timed, moving from May to October after retirement and major life changes. The partnership with Business Beyond the Battlefield and Patrick's team made this Arlington, Texas location possible, creating an even better opportunity for military spouse entrepreneurs to connect and grow. Who Should Attend • All military spouses with business interests: Consultants, strategists, and coaches Freelancers, visionaries, and founders Those with business ideas (new or seasoned) Nonprofit leaders Service-based or product-based businesses • Open to all branches and status: Active duty spouses Reserve and National Guard spouses Retired military spouses ("veteran military spouses") All military branches Event Details Dates & Schedule • October 8-10, 2025 - Arlington, Texas area • Day 1 (Oct 8): Vendor reception and check-in day • Day 2 (Oct 9): Full day of activities Networking sessions Workshops and panels Mini activations throughout the day Podcast recording station Evening social at Texas Live NFL watch party OR movie night • Day 3 (Oct 10): Half day (ends at 12-1pm) Morning networking Workshop sessions and panels Closing lunch What Makes This Summit Different Core Focus Areas • Financials - Building sustainable business finances • Health & Mental Wellness - Maintaining balance while growing a business • Business Foundations - Essential building blocks for success The Summit Promise • No infomercials - Focus on pouring into attendees, not selling to them • Actionable content - Implement strategies immediately, not someday • Real connections - Meet other military spouse business owners who understand your journey • Curated resources - Specifically designed for military spouse entrepreneurs, not generic veteran resources What's Included with Your $49 Ticket • All sessions, panels, and workshops • 7 meals and snacks • Workbook for following along with sessions • Event swag • Networking sessions and activities • Access to all activations and experiences Featured Speaker Mike Kelly - Military Community and Collective Impact Champion 10+ years mentoring military spouse entrepreneurs Keynote speaker sharing wealth of knowledge about building successful businesses Investment Perspective Why This Investment Matters • Build your ecosystem - Connect with like-minded military spouses • Create ROI - Unlike everyday purchases, this investment grows your business • Tax write-off - Business conference attendance is tax-deductible • Future partnerships - Meet potential clients, partners, and collaborators Cost-Saving Tips • Find a roommate - Split hotel costs with other attendees • Plan ahead - Book flights and hotels early for better rates • Remember the value - Compare to what you spend on coffee, Target runs, etc. Scholarship Opportunities • Application deadline: September 1 • Purpose: Help cover travel costs for spouses who need financial assistance • Note: Created specifically to address travel cost concerns Ways to Support Virtual Partnership Options - Submit here.  • Benefits for sponsors: 30-second podcast plug (10,000+ monthly listeners) Feature in Military Spouse Entrepreneur Guide (75,000 printed copies globally) Recognition as event supporter Sponsorship Opportunities • Financial sponsorships • In-kind donations • Individual spouse sponsorships Key Takeaways Investment in Yourself • As military spouses, we constantly pour into others - commands, schools, volunteer work • It's essential to invest time and resources in your own growth • This summit is designed specifically for YOUR success, not as an afterthought The Power of Community • Connect with spouses who understand your unique journey • Build relationships that last beyond the event • Create partnerships that advance your business goals Contact Information • Website: www.amseagency.com (Summit tab at top) • Email: hello@amseagency.com • Scholarship Application: Available on website (closes Sept 1) https://airtable.com/appBAUV0gtkjdTsBH/shrC62fn7jNBzvw0w Action Steps Register for your $49 ticket at www.amseagency.com Apply for scholarship if needed (before Sept 1) Connect with other attendees for roommate matching Block your calendar for October 8-10 Prepare to invest in yourself and your business future We love how our listeners support the mission of AMSE and the Owning Up podcast. As we continue to grow, advocate, and support military spouse entrepreneurs, we wanted to offer that same chance to you, our listeners. For only $5 - you can increase our reach within our community - locally, nationally, and globally. Visit Glow.fm/owningup to become an Owning Up supporter today!  We'd love to have you join our fantastic community! Join the ASSOC. OF MILITARY SPOUSE ENTREPRENEUR COMMUNITY: https://www.amsemembers.com/ Learn more about AMSE at www.amseagency.com Follow Monika Jefferson on Instagram, LinkedIn, Facebook  Follow us on Twitter, Instagram, LinkedIn, and Facebook "Once a spouse, always a spouse" - Supporting military spouse entrepreneurs in every season of their journey.

Part 2!  Ezekiel Chapter 44: 1-31.  Do you want to know how you verify what you believe as a Christian?  Compare what you believe to what is happening in the New Millennium when we rule and reign with Jesus Christ!  If what you're doing doesn't match what Jesus is doing, you need to research more about what is really going on in the New Millennium. This is that study.  Join me to learn more! If you are blessed by today's Bible study, please support my channel by liking, subscribing, commenting, and sharing with your friends and family!  I am not a Pastor, and agree with God's word that women are not supposed to be Pastors.  However, all people are called to share the gospel. It is perfectly acceptable and Biblical for women to lead Bibles studies outside the church as an ancillary addition to the church, and especially if it is a viable avenue for study of the Word on a daily basis, like I'm doing on this show, and paving the way for all of us to be closer to the Lord and become more knowledgeable of the Bible.  If you care to contribute to my work with the Daily Bible study and sharing the Gospel, as part of your tithes and offerings, you can do so through PayPal by sending it to my PayPal address of: ReneHoladay@gmail.com You are also welcome to email me at the same email address above if you have any thoughts you'd like to share about this episode!    Thank you for watching and God Bless you all! ;() --------------------- The primary study bible that Rene' uses is the 'Spirit-filled Life Bible, by Jack Hayford, and is available in hard cover or faux leather on Amazon at:  https://amzn.to/434fBnQ You can watch this episode on Youtube at:  https://www.youtube.com/watch?v=2v9ekffu7ds Please be sure to LIKE, SUBSCRIBE, COMMENT, and SHARE!

Hour 2--J&J Show Tuesday 8/26/25--Travis Kelce and Taylor Swift are ENGAGED! Can other power couples compare?

The power of Health Savings Accounts (HSAs) as a tool for both managing health expenses and building your retirement savings is often overlooked. On this episode, I'm sharing the basics of HSAs, highlighting their triple tax-free advantage, and explaining why they might be one of the best ways to maximize your retirement savings, even compared to more familiar accounts like IRAs and 401(k)s. I also unpack some important upcoming changes to HSAs thanks to the One Big Beautiful Bill Act, set to take effect in 2026. These changes expand HSA eligibility, especially for those on healthcare exchange plans and direct primary care memberships. Whether you're new to HSAs or looking to fine-tune your retirement strategy, my practical tips—like how to track reimbursements, invest your HSA funds wisely, and ensure you're making the most of every retirement planning opportunity.  You will want to hear this episode if you are interested in... [00:00] HSA contributions and eligible expenses. [03:33] HSA eligibility and individual plans. [07:27] HSA vs. 401(k) savings benefits. [12:10] HSAs and tax-free retirement reimbursements. [14:57] HSA contributions and Medicare Timing. [16:44] Top HSA provider tips. What is an HSA and Who Qualifies? Health Savings Accounts (HSAs) are often overlooked as powerful retirement planning vehicles. They are tax-advantaged accounts that allow individuals with high deductible health plans (HDHPs) to save and pay for qualified medical expenses. To be eligible, you must be enrolled in a qualifying HDHP; not all plans make the cut, so check with your insurer or employer to confirm eligibility. For 2025, annual contribution limits are $4,300 for individuals and $8,550 for families, with an additional $1,000 catch-up allowed for those age 55 and over. Both you and your employer can contribute, but the total combined contribution cannot exceed these limits. Triple Tax Advantage: The Unique HSA Benefit HSAs are the only accounts that offer a triple tax advantage: Pre-tax contributions: Contributions reduce your taxable income for the year, helping you save on federal and (in most cases) state income taxes. Tax-free growth: Money in your HSA can be invested, and all interest, dividends, and capital gains are tax-free while in the account. Tax-free withdrawals: Withdrawals used for qualified medical expenses remain tax-free, even in retirement. This makes HSAs one of the most tax-efficient savings vehicles available. HSAs as a Retirement Strategy While the primary purpose of an HSA is to cover medical expenses, its value extends far beyond that, especially for forward-thinking retirement planners. Many people cover their current medical out-of-pocket expenses with regular cash flow, allowing their HSA investments to grow tax-free for years, even decades. Upon reaching age 65, you are allowed to withdraw funds for non-medical expenses without penalty (although you will owe income tax, much like a traditional IRA). For medical expenses—including Medicare Part B, D, and Medicare Advantage premiums—withdrawals remain tax-free. However, Medigap policy premiums are not eligible for tax-free reimbursement from your HSA. A strategic approach can involve tracking your unreimbursed eligible medical expenses over the years. You can reimburse yourself in retirement with HSA funds for past qualified expenses, effectively turning your HSA into a tax-free retirement “bonus.” New HSA Legislation on the Horizon Looking ahead to 2026, recent legislative changes will further expand HSA eligibility and flexibility.  Expanded Access for Health Care Exchange Plans: Before 2026, only certain HDHPs on the healthcare exchange allowed HSA contributions. The One Big Beautiful Bill Act will enable individuals enrolled in any Bronze-tier plan through the health care exchange to qualify for HSA contributions, potentially making over 7 million more people eligible. Direct Primary Care Compatibility: Membership in direct primary care plans—where patients pay a monthly fee for enhanced access to primary care services—will now be compatible with HSA eligibility, subject to fee limits ($150/month for individuals, $300/month for families, indexed to inflation). Previously, participating in such plans disqualified individuals from contributing to HSAs. Common HSA Mistakes and Best Practices Investing your HSA balance (beyond a buffer for immediate health costs) can help you harness the benefits of compound growth over time. Compare fees and investment options among HSA providers to maximize long-term gains. Be mindful when approaching Medicare eligibility. HSA contributions must stop six months before you enroll in Medicare Part A, due to retroactive coverage. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  IRS List of Covered HSA Expenses Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Brian Thompson returns for a solo episode packed with practical advice to help entrepreneurs take charge of their numbers. In this mini masterclass, you'll learn how to use your profit and loss, balance sheet, and reconciliation reports more effectively. Whether you love or loathe spreadsheets, this episode gives you the tools to pause, reflect, and make strategic financial decisions to set yourself up for success in the second half of the year. How To Conduct A Mid-Year Financial Review 1. Reconcile and clean up your books First, set aside at least 90 minutes to focus without distractions. Before analyzing anything, make sure your books are clean: Start with reconciliation: Check that your accounting software matches your actual bank transactions and credit card balances. Review your categories: Go through your chart of accounts to ensure expenses are correctly categorized. Review your balance sheet: Ensure your cash balances, accounts receivable, accounts payable, and other liabilities align with what you expect. If not, dig deeper to understand why. 2. Analyze your profit and loss statement Run a profit and loss (P&L) report for the period from January through June and analyze the data: Analyze your revenue: Compare your actual revenue to your goals and prior years. If you offer multiple types of service, break down which ones are driving your revenue and which ones may be underperforming. Analyze your expenses: Look for surprises, categories that you are over budget in, and for subscriptions or tools you no longer use. Calculate your gross and net profit: Ensure you are maintaining healthy margins, and if margins are shrinking, find out why. Look for trends: When looking at the big picture, make sure all the pieces fit together. For instance, if you're spending more on marketing as an expense, you'd expect to have a corresponding higher revenue. 3. Examine your cash flow Cash flow is not just about what you earn -- it's also about what you keep. Use the following steps to make sure cash is flowing into and out of your business strategically: Check your bucket allocations: If you use the bucket system, ensure you are still transferring funds consistently to your various business accounts and that your percentages are still realistic based on current revenue. Review your operating cash flow: Ensure cash is coming in faster than it's going out and that you aren't relying too heavily on credit to cover gaps. Check your accounts receivable: This step is one of the easiest ways to increase your cash flow quickly by following up on outstanding invoices and consistently enforcing your payment terms. Evaluate large expenses: Consider whether you should delay or accelerate spending based on your cash position. 4. Use your mid-year review to propel your business forward Once you understand your numbers in detail, it's time to turn your insights into action: Set or reset financial goals: Use your findings to update your targets for the second half of the year. Make sure your goals are specific, measurable, and tied to your broader vision. Identify quick wins: Look for easy adjustments that make a big difference. Small changes now can have a significant impact on your year-end results. Improve your systems: Make a plan to fix systems that aren't working. Good systems reduce mental load and improve accuracy. Communicate with stakeholders: Share your findings with your team, financial advisor, or coach. Reflect and celebrate: Take a moment to reflect on what is working, and celebrate the fact that you're engaging in this process. Resources + Links Brian Thompson Financial: Website, Newsletter, Podcast Follow Brian Thompson Online: Instagram, Facebook, LinkedIn, X, Forbes About Brian and the Mission Driven Business Podcast  Brian Thompson, JD/CFP, is a tax attorney and Certified Financial Planner® who specializes in providing comprehensive financial planning to LGBTQ+ entrepreneurs who run mission-driven businesses. The Mission Driven Business podcast was born out of his passion for helping social entrepreneurs create businesses with purpose and profit. On the podcast, Brian talks with diverse entrepreneurs and the people who support them. Listeners hear stories of experiences, strength, and hope and get practical advice to help them build businesses that might just change the world, too.

Prepare for an engaging look at today's markets and the evolving world of retirement living on this episode of Money Matters! Wes Moss and Jeff Lloyd unpack key economic signals before Wes sits down with senior living specialist Jen Franks to explore retirement care and housing options with clarity and practicality. Analyze how Jerome Powell's dovish speech at Jackson Hole may have influenced markets and what it might suggest for potential Fed rate changes. Evaluate housing trends as a driver for U.S. economic growth and what rising building permits may indicate. Examine the Cracker Barrel logo controversy and learn how market sentiment can sometimes affect stock performance independently of business fundamentals. Review labor data and immigration shifts to understand their possible impact on employment and the Fed's cautious approach to inflation. Clarify the meaning of the neutral rate and its potential implications for interest rates and financial planning. Comprehend the difference between “restrictive” and neutral rates and how each has affected savers, borrowers, and retirees in the past. Assess the effects of tariffs on inflation and why the Fed may maintain a “wait and see” stance. Explore potential shifts in Fed leadership in 2025 and the possible influence on monetary policy. Discover the distinctions between independent living, assisted living, memory care, and CCRCs with the insights and experience of Jen Franks' from Serving Seniors. Compare senior living costs across luxury and mid-tier options, highlighting amenities, services, and care levels included. Investigate rental versus buy-in models for retirement housing and the role of personal finances in selecting an effective fit. Recognize the importance of early financial preparation for senior care and strategies to manage compressed planning timelines. Identify ways adult children can support aging parents in selecting appropriate senior living arrangements when time is limited. Stay informed and empowered for retirement planning, market awareness, and family financial decisions. Listen now and subscribe to the Money Matters Podcast for practical, clear insights on your wealth, retirement, and future.

Join Max for a coffee break in which he will explain how to make comparisons with nouns using plus de and moins de. You'll learn how to form these structures, hear plenty of examples in context and pick up tips to make your comparisons sound natural and accurate. By the end, you'll feel confident saying things like plus de livres, moins de films, and much more.✅Access more content like this and subscribe to the Coffee Break French newsletter. Hosted on Acast. See acast.com/privacy for more information.

BEST OF TST: Three key details inform us that the recent, 2017 and onward, reporting on the UFO/UAP is nothing but a rewriting of the historical narrative using archaic psychological military-intelligence scripts. One, that AATIP spent only $22 million on research between 2012 and 2017, which pales in comparison with government waste, especially for a subject so critical for air safety and national security. Two, the curated cases investigated by the ODNI and DOD-AARO ignore countless credible global reports about the same. Three, the nature of the reporting and investigation are methods of “education” and “debunking” as laid out by the intelligence and military communities back in a 1953 Report called Robertson Panel. Compare that report with statements from the ODNI today:“That the evidence presented on Unidentified Flying Objects shows no indication that these phenomena constitute a direct physical threat to national security...”The ODNI reports says, “UAP continue to represent a hazard to flight safety and pose a possible adversary collection threat,” a standard policy for what cannot be identified; but the conclusion that these are only “potential risks” indicates that the risks “it poses as both a safety of flight hazard and potential adversarial activity,” are only potential. There is no actual threat. “We suggest that these aims may be achieved by an integrated program designed to reassure the public of the total lack of evidence of Inimical forces behind the phenomenon, to train personnel to recognize and reject false indications quickly and effectively, and to strengthen regular channels for the evaluation of and prompt reaction to true indications of hostile measures.”The ODNI report says, “AARO has been established as the DoD focal point for UAP... AARO is the single focal point for all DoD UAP efforts, leading a whole-of-government approach to coordinate UAP collection, reporting, and analysis efforts.” In other words, the ODNI statement is a public relations campaign equivalent to the quote above.“That the national security agencies take immediate steps to strip the Unidentified Flying Objects of the special status they have been given and the aura of mystery they have unfortunately acquired…”This is precisely the goal of AARO and the reclassification of UFO to UAP, which relates to the next line from the 1953 report: “The Panel's concept of a broad educational program integrating efforts of all concerned agencies was that it should have two major aims: training and ‘debunking'.”It says that the, “basis of such education would be actual case histories which had been puzzling at first but later explained... Recent cases are probably much more susceptible to explanation than older ones; first, because of ATIC's experience and, secondly, their knowledge of most plausible explanations.”And this is why the Tic Tac has been so popular; the story is old enough to remain distant from proper investigation, but new enough to provoke interest. With the declaration by Ross Coulthart that the object is Lockheed Martin technology, the UAP movement has fulfilled the 1953 agenda. A recent case with a history, at first seen as puzzling but then later explained. The 1953 report further suggested employing psychologists, including Dr. Hadley Cantril, who wrote the study of the panic that followed the Orson Welles WOW broadcast in 1938, a story that took place in the area where the recent New Jersey drone sightings also occurred. When the Pentagon's UFO Mythology script was leaked in 2025, coupled with the AARO discovery that the USAF gave fake classified material to commanders, it became clear that all the congressional investigations were nothing short of a ruse. The discrediting of the whistleblowers did not so much discredit them as it did the role they served. The 2025 Pentagon UAP report reinforced these revelations. The narrative circle is complete. People got too close to UFOs 75 years ago, so the military and intelligence communities intervened to spread dis and mis information, and also to cover up their own programs. The narrative has been re-introduced in 2017 so that it can be misdirected again.Following this up is the revelation of a black goo substance found by a ship captain in Ohio. Is it in anyway related to the Sukunaarchaeum Mirabile (Sukuna-biko-na)? Analysis indicates that it contains “20 DNA sequences,” one of which was completely novel. In the X Files this is the vehicle for an alien virus; in Alien, including Prometheus, it is the life force of the xenomorph and what created mankind; in Venom it is an alien parasite; in District 9 it is a alien bio-agent; in Lucy it represents the merging of consciousness with machines; in Event Horizon it is a portal to hell. *The is the FREE archive, which includes advertisements. If you want an ad-free experience, you can subscribe below underneath the show description.FREE ARCHIVE (w. ads)SUBSCRIPTION ARCHIVEX / TWITTER FACEBOOKWEBSITECashApp: $rdgable EMAIL: rdgable@yahoo.com / TSTRadio@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-secret-teachings--5328407/support.

Our Pivot training camp tour continues as the 2025 NFL season is quickly approaching and we make a stop to catch the Seahawks practicing with Green Bay as Seattle is looking to get back to the postseason being one of the top NFC teams. Ryan, Channing and Fred are sitting for a Sunday Special with NFC West powerhouse and star players Demarcus Lawrence and Jaxon Smith Njigba who give us a glimpse into what the season holds ahead. Coming from Dallas, Demarcus is very clear why he made the change entering his 11th season, what he's found with his new team and sheds light on his former team's contract headlines all summer. Jaxon is excited to see the arm of QB Sam Darnold and line up with the Super Bowl Champion Cooper Kupp, shadowing his veteran leadership and work ethic. Seattle overhauled its offense with new faces—Darnold along with Kupp and new coordinator Klint Kubiak, as JSN looks to lead the offensive core grounded by the run game and supported with a deep threat. On defense, expectations are high with a revamped line featuring D Law, anchored by a talented secondary of Witherspoon, and Woolen) setting up a top-tier defensive outlook. Seattle's preseason has been encouraging—dominant rushing performances, strong offensive cohesion under Kubiak, and a deep receiving group are all signs Seattle is looking to make that postseason push this year. Fun conversation about football, family and following your heart to where you belong, don't forget to comment, like and subscribe to get all the latest episodes and updates on guests.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textGUEST: JOSH BARZON, author, graphic designer, and content creator On X: @JoshuaBarzonThe claims of Scripture are far above and beyond any other book—inspired by God, without error, unchanging, unfailing. In a word, supernatural.The Bible says in 2 Peter 1:20-21: “know this first of all, that no prophecy of Scripture is a matter of one's own interpretation, for no prophecy was ever made by an act of human will, but men moved by the Holy Spirit spoke from God.”Or how about Hebrews 4:12: “For the word of God is living and active and sharper than any two-edged sword, and piercing as far as the division of soul and spirit, of both joints and marrow, and able to judge the thoughts and intentions of the heart.”Put together, God directed the authors what He wanted to communicate and God's Word powerfully accomplishes God's desires in the human heart.Now consider that the 66 books of the Bible were authored by 40 men over a span of 1500 years in three languages (Hebrew, Greek, and Aramaic) on three continents (Africa, Asia, and Europe). The original manuscripts written by these 40 authors no longer exist but thousands of full or partial copies of the original books do exist. Nearly 25,000 copies of the New Testament alone exist. Compare that to Homer's Iliad with only 2000 copies. The existence of so many copies of Scripture allows them to be compared to each other to authenticate accuracy. In other words, more copies results in more certainty.The Bible has also been translated from its original languages into hundreds of languages, with dozens of translations and paraphrases in the English language alone—King James Version, Geneva Bible, New American Standard, English Standard Version, New International Version, and on and on.Taking all this into consideration, is the Bible we have in our English language today an accurate representation of what the authors of Scripture wrote or has there been significant loss of the text during its transmission from original manuscripts? And what about the many English versions—are they fully trustworthy to be considered the Word of God?Josh Barzon has done much research on the transmission and translations of the Bible. He was born in the Middle East and now lives in America, working as a content creator, graphic designer, and author of The Forgotten Preface: Surprising Insights on the Translation Philosophy of the King James Translators.He joins us to discuss the supernatural Scriptures and how God has preserved His Word precisely over the centuries so that can know when you read the Word of God, you can know you are hearing from the God of the Word.

On this episode of Christopher Lochhead: Follow Your Different, we sit down with marketing royalty Laura Ries, the daughter of Al Ries and Chairwoman of RIES, to unpack what makes for truly powerful brand building. The discussion, sparked by American Eagle's controversial Sydney Sweeney campaign, offers a masterclass in cutting through the noise and making brands that dominate for decades, not just news cycles. In a world obsessed with fleeting attention spans, viral TikToks, and celebrity partnerships, the rules for building a lasting brand have never been more confusing, or more misunderstood. When “attention” has become the trending currency, too many marketers forget the fundamental principles that separate overnight sensations from category-defining legends. You're listening to Christopher Lochhead: Follow Your Different. We are the real dialogue podcast for people with a different mind. So get your mind in a different place, and hey ho, let's go. Chasing Attention Versus Owning a Strategic Position Laura Ries doesn't mince words. Right from the start, she asks, “Are we just going out for attention's sake?” In the American Eagle campaign, the retailer had Sydney Sweeney, a star adored by a young demographic. front and center with the tagline “Sydney Sweeney has great jeans.” The resulting hullabaloo proved attention-grabbing, but Laura and Christopher quickly zero in on the flaw: it was a win for Sweeney's personal brand, maybe the category of jeans, but not for American Eagle. Compare this to the iconic Brooke Shields for Calvin Klein moment, seared into pop culture by its taboo-breaking line: “Nothing comes between me and my Calvins.” Everyone still remembers it. And Shields herself, now in her 50s and 60s, gets asked about it to this day. Why did it stick when so many celebrity-driven campaigns fade fast? Laura argues the difference is clear: Calvin Klein tied a provocative moment to a real, ownable positioning idea. It wasn't just attention; it was differentiation, and it transformed the brand. The Leader, the Challenger, and the Power of Contrasts Christopher then adds, “The category king of jeans is Levi Strauss”. If you're not the leader, you can't just market the category; you must establish a well-defined, opposite position. Calvin Klein's campaign worked because it created a contrast in the market: there's an implied competitor, a reason to choose Calvin's over everything else. American Eagle, on the other hand, failed to anchor its campaign in any clear difference or strategic enemy. Christopher asks, “If you're American Eagle, what the fuck are you doing?” To this, they both agree: at the very least, American Eagle, given its patriotic name, should have leaned into American-made authenticity rather than a generic celebrity endorsement disconnected from any unique brand promise. Category Design: The True Differentiator Brands like Dude Wipes and Liquid Death exemplify the playbook for building new categories, and thus, legendary brands. Dude Wipes didn't invent wipes, just as Liquid Death didn't invent water. But they staked out a radically different, memorable position: “Dude” wipes for men, and canned water that resembles a beer or energy drink and brands itself as death to plastics. This isn't attention for attention's sake; it's strategic, memorable, and deeply anchored to a big idea: a core enemy, a new experience, a bold promise. To hear more from Laura Ries and her thoughts on why virality isn't enough to build a legendary brand, download and listen to this episode. Bio Laura Ries is a leading marketing strategist, best-selling author, and global keynote speaker. She is the co-author of several influential books on branding, including The 22 Immutable Laws of Branding and The Fall of Advertising & the Rise of PR written with her late father and legendary positioning pioneer, Al Ries. Her new book The Strategic Enemy: How to Build & Position a Brand Worth Fighting For will be published in S...

“How does the Catholic Mass compare to other Christian worship services?” In this episode, we explore the unique aspects of the Catholic Mass, including the significance of language in worship and the origins of the term “Mass.” We also discuss the varying practices among parishes and the spiritual benefits of attending Mass, whether in person or via television. Join The CA Live Club Newsletter: Click Here Invite our apologists to speak at your parish! Visit Catholicanswersspeakers.com Questions Covered: 04:20 – How does the Catholic Mass compare to other Christian worship services? 15:54 – Why do some people think it matters which language the Mass is in? 21:35 – Where does the word Mass come from? Why don't we call it something else? 23:40 – Why is there no uniformity amongst parishes on how they celebrate the mass? 30:15 – How does the Mass relate to the real presence in adoration? What is the mode of presence in the host during adoration? 44:17 – I have a friend who travels 3 hours to the Latin mass and says they wont go to mass if they don’t go there. How do I respond to this? 50:42 – What is the spiritual benefit of mass on TV compared to a protestant service down the street? What are additional benefits other than the Eucharist when attending mass?

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