Rite where baptism is confirmed in several Christian denominations
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Entrepreneurs get into business chasing freedom, and then build the hardest, worst job anyone could imagine. This episode is about getting the freedom back. Kelly sits down with Brian Herriot, author of the brand-new book Time Freedom, for a conversation on the reason most of us started a business in the first place. Brian shares the story that changed everything, his wife's double lung transplant 27 years ago and the vow they made leaving the hospital to stop waiting on some far-off retirement, and how he still drifted right back onto the corporate track before finally designing a life around what actually mattered. He and Kelly unpack why we get stuck (we start optimizing for money out of survival and never change gears), the danger of not knowing your "enough" number, and his core framework, the Time Freedom Formula, that aligns what it costs to live with your investments and flexible work so you can claim freedom years sooner. They get into the levels of freedom, why a 401(k) may not be the move everyone told you it was, what to do if you feel like you're already behind (Brian's promise: many people can reach time freedom in three years), and the reframe that unlocks it for most high achievers: time freedom usually isn't a completely different life, it's a one-step variation on the one you already have. What's inside: Why we optimize for money and forget to change gears Knowing your "enough" number and your definition of freedom The Time Freedom Formula, and the free calculator behind it What to do if you feel like you're already too far behind Timestamps 00:00 — Welcome: why time freedom is the reason we start businesses 00:34 — Brian's story: a lung transplant, and a vow to live differently 02:07 — Building the hardest job imaginable in pursuit of freedom 02:53 — Why we get stuck: optimizing for money and never changing gears 04:26 — The first small experiment: take the first Friday of the month off 05:24 — Knowing your "enough" number and evolving the need you're chasing 06:49 — Money confidence: getting your advisor and your coach in the same room 07:26 — The free Time Freedom Calculator (and mapping your numbers) 09:18 — "Why don't we do that now?" Brian's 2020 turning point 10:51 — When social media turns all your fun into work 11:19 — What freedom actually looks like (and choosing the highest value for your time) 13:23 — Inside the book: taking the conventional path head on 14:26 — The Time Freedom Formula explained 15:59 — The levels of freedom and getting your money working for you 17:20 — The 401(k) rethink 17:40 — "Am I too late?" What to do if you feel behind 19:17 — The promise: time freedom in about three years 20:41 — Time freedom doesn't mean you stop working 22:05 — Stepping out of the business as a catalyst for your next big leap 23:30 — Where to get the book, and closing (Timestamps pulled from the transcript timecodes — verify against your final edit.) Resources & Mentions Time Freedom by Brian Herriot — the guest's new book on optimizing for time over money and designing a business around your life. Available wherever books are sold- Amazon, Barnes & Noble, and more: https://www.amazon.com/dp/1774587122?lv=shuf&channelId=500&plpRedirect=mhFallback The Time Freedom Calculator: Brian's free tool at timefreedomcalculator.com for plugging in your business, personal, and lifestyle numbers to see how time freedom plays out. Free to use, no book purchase required. (Confirm the exact URL.) Concepts referenced: the Time Freedom Formula (cost to live vs. investments plus flexible work), knowing your "enough" number, money confidence, the levels of freedom, the 401(k) rethink, and the "catalyst" idea (stepping out of the business to find the one thing that makes it 10x better)
Once thought an unlikely prospect, Democratic nominee for Texas Governor Gina Hinojosa now leads Governor Greg Abbott by four points in a recent poll. National Republicans are panicking, and Texas is one of the former strongholds in which they are now spending massive amounts of money, while most prominent GOP figures, despite his undisputed and bold racism, still support Bo French's candidacy for Railroad Commission. And, despite promises to the contrary, a section of border wall in Far West Texas is now officially listed as "under construction".New York Times on Gina Hinojosa: https://www.nytimes.com/2026/09/15/us/gina-hinojosa-governor-texas.html?smid=nytcore-android-shareNew York Times on polling: https://www.nytimes.com/interactive/polls/governor-polls-2026.htmlNPR: https://www.npr.org/2026/09/18/nx-s1-5971202/trump-super-pac-midterm-spending-republicans-democratsTexas Tribune: https://www.texastribune.org/2026/09/18/bo-french-texas-republicans-silence/Marfa Public Radio: https://www.texastribune.org/2026/09/18/bo-french-texas-republicans-silence/Texas Monthly: https://www.texasmonthly.com/news-politics/big-bend-fight-against-border-construction/Join Progress Texas and BallotReady for another LIVE podcast recording session with Asian Texans For Justice during this year's TribFest in Austin! Sponsor and RSVP:https://act.progresstexas.org/a/atjtribfestConfirm your registration and make your voting plan NOW at GoVoteTexas.org. Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org
Texas Democrats find themselves in their strongest election position in decades as the Texas GOP collapses under the weight of scandals, high-profile defections and its own bad policy choices. Texas Democrats have largely performed without major missteps - except, of course, that strange award given to musician and notorious abuser Chris Brown, who has punched back at State Rep. Venton Jones for apologizing - while Congresswoman Jasmine Crockett remains silent on the matter.Twitter: https://x.com/JohnCornyn/status/2100366727624434004?s=20Texas Tribune: https://www.texastribune.org/2026/09/17/democrats-texas-james-talarico-november-midterms/USA Today: https://www.usatoday.com/story/news/state/texas/2026/09/15/which-republican-leaders-are-backing-talarico-over-ken-paxton/91695266007/Houston Chronicle: https://www.houstonchronicle.com/news/houston-texas/trending/article/chris-brown-dallas-22435291.phpJoin Progress Texas and BallotReady for another LIVE podcast recording session with Asian Texans For Justice during this year's TribFest in Austin! Sponsor and RSVP:https://act.progresstexas.org/a/atjtribfestConfirm your registration and make your voting plan NOW at GoVoteTexas.org. Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org
Southwest Michigan's Morning News podcast is prepared and delivered by the WSJM Newsroom. For these stories and more, visit https://www.wsjm.com and follow us for updates on Facebook. See omnystudio.com/listener for privacy information.
What does it means to know enough, and why do so many of us have our sense of self-worth tangled up with the need to appear certain, informed, and never wrong? The common obstacles of perfectionism, yearning for power and to feel "special," along with anxiety are fueled by a world of constant information, public scrutiny, and the subtle pressure to prove our intelligence. It makes a tough environment to come back to the wisdom Socrates shared 2,500 years ago: real wisdom lives in knowing what you don't know. The good news: getting comfortable with being wrong is a practice, not a personality trait. And the more you do it (starting small and safe), then the more your nervous system learns that doubt isn't dangerous. About: The Joy Lab Podcast is an Ambie-nominated podcast that blends science and soul to help you cope better with stress, anxiety, and depression. It's hosted by integrative psychiatrist Dr. Henry Emmons and holistic mental health researcher Dr. Aimee Prasek. Bonus: spread some joy and keep this podcast ad-free by donating (Joy Lab is powered by the nonprofit Pathways North and your donations are tax-deductible). Listen & follow the Joy Lab Podcast on your favorite listening app: Spotify | Apple | YouTube Full transcript here Sources and Notes for Our Element of Enoughness: Related Joy Lab Episodes: Ep. 215: Are You Curious to Learn or Confirm? Ep. 285: Why Doing Enough Is Enough + Why Perfectionism Predicts Burnout, Depression, & Anxiety, Not Performance Ep. 284: Having Enough: Why Acquiring More Will Never Fill the Hole in Your Self-Worth Ep. 283: You Are Enough: The Science and Practices of Enoughness Bellam, S., Curran, T., Hill, A. P., & Stoeber, J. (2025). Perfectionism and work performance: A meta-analysis. https://doi.org/10.1111/joop.12570 Carver, C. S., Lawrence, J. W., & Scheier, M. F. (1999). Self-discrepancies and affect: Incorporating the role of feared selves. https://doi.org/10.1177/0146167299025007002 Crocker, J., & Park, L. E. (2004). The costly pursuit of self-esteem. https://doi.org/10.1037/0033-2909.131.3.392 Crocker, J., & Park, L. E. (2004). Reaping the benefits of pursuing self-esteem without the costs? Reply to Schmuck and Sheldon (2004), Sheldon et al. (2004), Pyszczynski et al. (2004), and Kernis (2004). https://doi.org/10.1037/0033-2909.130.3.430 Crocker, J., Karpinski, A., Quinn, D. M., & Chase, S. K. (2003). When grades determine self-worth: Consequences of contingent self-worth for male and female engineering and psychology majors. https://doi.org/10.1037/0022-3514.85.3.507 Crocker, J., & Wolfe, C. T. (2001). Contingencies of self-worth. https://doi.org/10.1037/0033-295X.108.3.593 Deci, E. L., & Ryan, R. M. (2004). Avoiding death or engaging life as accounts of meaning and culture: Comment on Pyszczynski et al. (2004). https://doi.org/10.1037/0033-2909.130.3.473 Freudenberger, H. J. (1974). Staff burn-out. Journal of Social Issues, 30(1), 159–165. https://doi.org/10.1111/j.1540-4560.1974.tb00706.x Harari, D., Swider, B. W., Bujold Steed, L., & Breidenthal, A. P. (2018). Is perfect good? A meta-analysis of perfectionism in the workplace. https://doi.org/10.1037/apl0000324 Hewitt, P. L., & Flett, G. L. (1991). Perfectionism in the self and social contexts: Conceptualization, assessment, and association with psychopathology. https://doi.org/10.1037/0022-3514.60.3.456 Higgins, E. T. (1987). Self-discrepancy: A theory relating self and affect. https://doi.org/10.1037/0033-295X.94.3.319 Joseph, S., & Linley, P. A. (2005). Positive adjustment to threatening events: An organismic valuing theory of growth through adversity. https://doi.org/10.1037/1089-2680.9.3.262 Kernis, M. H. (2005). Measuring self-esteem in context: The importance of stability of self-esteem in psychological functioning. https://doi.org/10.1111/j.1467-6494.2005.00359.x Kirkpatrick, L. A., & Ellis, B. J. (2001). An evolutionary-psychological approach to self-esteem: Multiple domains and multiple functions. In G. J. O. Fletcher & M. S. Clark (Eds.), Blackwell handbook of social psychology: Interpersonal processes (pp. 411–436). Blackwell. Leary, M. R. (2000). Sociometer theory and the pursuit of relational value: Getting to the root of self-esteem. https://doi.org/10.1080/14792772043000045 Maslach, C. (1981). The measurement of experienced burnout. https://doi.org/10.1002/job.4030020205 Park, L. E., & Crocker, J. (2005). Attachment styles and contingencies of self-worth. https://doi.org/10.1177/0146167205277030 Pyszczynski, T., Greenberg, J., Solomon, S., Arndt, J., & Schimel, J. (2004). Why do people need self-esteem? https://doi.org/10.1037/0033-2909.130.3.435 Schaufeli, W. B., Leiter, M. P., & Maslach, C. (2009). Burnout: 35 years of research and practice. https://doi.org/10.1108/13620430910966406 Lynn Twist's Book: The Soul of Money Questions this episode was made for: Q: Why do I feel like I have to know everything and never be wrong... and how do I stop? A: This episode traces the drive to perform knowledge back to things like anxiety about judgment and the desire for specialness, along with the amygdala hijack that makes being wrong feel like a survival threat, and offers a practical strategy: exposure. Practice being wrong in small, safe ways until your nervous system recalibrates and realizes it isn't catastrophic. Q: Can you actually be too certain? Isn't confidence a good thing? A: Being too certain can be detrimental. This episode unpacks the differences between genuine knowledge, intellectual humility, and the performance of certainty for reasons outside of genuine knowledge. Key moments: [00:30] Setting the scene: Athens, 2,500 years ago — a friend asks the Oracle of Delphi who is the wisest person in the city [02:30] Socrates' conclusion: maybe he was wiser because he knew what he didn't know, and didn't shy away from that unknowing; kept asking questions [03:30] Intellectual humility: holding your beliefs loosely, staying curious, genuinely believing you might be wrong [04:00] The Enoughness layer: the belief that you have to prove your knowledge to be worthy; knowing more makes you enough [05:00] It's exhausting to feel like you need to know all the answers, to be right all the time — and none of us can actually succeed at it [05:30] Two drivers: anxiety (fear of being judged for being wrong) and the desire for power or certainty as protection from vulnerability [07:00] The desire for specialness: inflating self-esteem through the performance of knowing it all [07:30] Research on narcissism and conspiratorial thinking: conspiracy theories offer the feeling of uniqueness — "I know something you don't" [10:00] Henry: a small pitch for narcissism — a little bit isn't bad; we all want to feel special sometimes; full-blown narcissists wouldn't be listening to this anyway [11:00] The belonging need: we don't have to stand out to belong, but we do need to be seen as worthy of inclusion — so we avoid sticking our neck out and being wrong in front of others [11:30] Social media amplifies this: anything put out publicly can be validated or challenged — rarely challenged without feeling diminished [14:00] The internet requires a new kind of resilience and emotional regulation we haven't trained before in human history — much of which is what Joy Lab works on [15:30] Being wrong is so often worse in our heads than in real life — especially when we're willing to admit it; humility actually strengthens connection [17:30] Henry: when the fear of being wrong tips into clinical anxiety or mood problems — perfectionism creates a downward spiral [18:00] The amygdala hijack: the midbrain can't distinguish between a perceived threat (being wrong in front of others) and a real physical threat — fight or flight activates as though lives are at stake [18:30] How to get out: exposure — practice being wrong in small, safe ways; when your nervous system learns it isn't catastrophic, it recalibrates [20:30] Good news: we have many opportunities every day to practice being wrong — the more you check in, the more you notice them [21:00] The Experiment for this episode works on getting more comfortable with being wrong If you enjoyed this episode, please rate and review us wherever you listen to your favorite podcasts! Please remember that this content is for informational and educational purposes only. It is not intended to provide medical advice and is not a replacement for advice and treatment from a medical professional. Please consult your doctor or other qualified health professional before beginning any diet change, supplement, or lifestyle program. Please see our terms for more information. If you or someone you know is struggling or in crisis, help is available. Call the NAMI HelpLine: 1-800-950-6264 available Monday through Friday, 10 a.m. – 10 p.m., ET. OR text "HelpLine" to 62640 or email NAMI at helpline@nami.org. Visit NAMI for more. You can also call or text SAMHSA at 988 or chat 988lifeline.org. Find more mental health resources here.
SCOTUS Rejects Trump Mail-in Ballot Order; Texas Railroad Commission Collision; Public Apologies Round the HornAP News: https://apnews.com/article/trump-mail-voting-executive-order-lawsuit-78a4fbeb48d9c5fd27d1c865529fc65fPolitico: https://www.politico.com/news/2026/09/15/donald-trump-supreme-court-loss-response-01076646Dallas Morning News: https://www.dallasnews.com/news/politics/article/texas-railroad-commission-oversight-hearing-22433375.phpCommissioner Wayne Christian tweet: https://x.com/Sarah4Texas/status/2099961546965123164Austin American-Statesman: https://www.statesman.com/sports/longhorns/football/article/texas-football-arch-manning-holly-rowe-video-22432320.phpArch Manning Apology: https://x.com/_dannydavis/status/2099923194035531812/photo/1?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2099923194035531812%7Ctwgr%5E48f1b5f65451c22900ebaf580b797274e33d558f%7Ctwcon%5Es1_&ref_url=https%3A%2F%2Fwww.statesman.com%2Fsports%2Flonghorns%2Ffootball%2Farticle%2Ftexas-football-arch-manning-holly-rowe-video-22432320.phpDallas Morning News: https://www.dallasnews.com/arts-entertainment/music/article/jasmine-crockett-chris-brown-backlash-22430953.phpRep. Venton Jones Apology: https://x.com/VentonJonesTX/status/2099903053956514105/photo/1Other podcasts mentioned:SCOTUS TCRP: https://open.spotify.com/episode/7o11V5faBmqS5Bzqjg4LsZ?si=PE5-mR6BRzWpdj4X9_e1cQTrump/Epstein memorial reading room: https://open.spotify.com/episode/5A7mco5LF0MNMEzxzsvYCZ?si=_KVP2iRqR-mdfpErNdKbxwJoin Progress Texas and BallotReady for another LIVE podcast recording session with Asian Texans For Justice during this year's TribFest in Austin! Sponsor and RSVP:https://act.progresstexas.org/a/atjtribfestConfirm your registration and make your voting plan NOW at GoVoteTexas.org. Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org
Target Market Insights: Multifamily Real Estate Marketing Tips
Tom Brodie is a National Account Executive with CSSI, the nation's premier engineering-based consulting firm specializing in tax law surrounding commercial buildings. With over 23 years of experience and more than 65,000 studies completed, CSSI has a proven track record of delivering significant tax savings without triggering a single audit. Tom spent 27 years at Shell Oil before taking early retirement and moving into the scuba industry, where he worked for a Houston-area scuba retailer. Wanting work that was less dependent on discretionary spending in an oil-driven local economy, he found cost segregation and assumed every building owner already knew about it. Most did not. Today, based in Houston, Tom works with commercial and multifamily owners to reclassify building components into faster depreciation schedules and to correct costly errors buried in existing depreciation schedules. Most building owners have never run a cost segregation study, and many who have are still leaving money on the table. In this episode, Tom Brodie of CSSI walks John through what a study actually does, why a CPA cannot perform one, and the land valuation error he keeps finding on depreciation schedules that quietly costs owners six figures. Tom shares two real examples, explains how recapture and 1031 exchanges change the math, and clarifies when it is too late to act. Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here. Key Takeaways Break a building into 5, 7, and 15-year asset classes instead of one 27.5 or 39-year schedule Claim 100% bonus depreciation on anything a study identifies with a life under 20 years Audit your depreciation schedule for an inflated land value, because land can never be depreciated Hold at least 3 to 5 years after a study, or use a 1031 exchange, so recapture does not erase the benefit Use a change of accounting method to catch up missed depreciation without amending prior returns Topics What Cost Segregation Actually Does A study divides a building into faster-depreciating asset groups instead of one straight-line schedule The structure stays at 27.5 years for residential or 39 for commercial; interiors and site work move to 5, 7, or 15 years Parking lots, irrigation, security systems, lighting, landscaping, and flagpoles all fall in the 15-year bucket Why the Strategy Stayed Obscure Cost segregation dates to the late 1990s but was originally priced for owners of skyscrapers CSSI brought the cost down far enough to study buildings valued from $200,000, excluding land Tom says most CPAs lack the time and resources to do it, and many never raise it with clients Why It Takes an Engineering Study Counting every window, door, appliance, and countertop across a portfolio is an engineering exercise CSSI delivers dollar totals by asset class for the CPA to plug into the depreciation schedule Tom notes CSSI does not prepare returns, so the handoff stays clean A Medical Office Building Example A 53,000 square foot medical office building completed in December 2023, valued at roughly $12.9 million Straight-line depreciation for that first month came to $13,790 The study identified about $1.1 million in tangible personal property and $3.1 million in land improvements At the 80% bonus rate then in effect, that produced roughly $3.4 million of first-year depreciation The Land Value Error Hiding in Depreciation Schedules A Colorado rental carried $500,000 in land value against a county assessment of $125,000 Reallocating the $375,000 overage lifted the building basis from $522,384 to roughly $897,000 The owner had held the property four years without knowing the error existed Tom recommends validating land value against county records, or a commercial realtor's opinion as of the purchase date Correcting Past Years Without Amending Returns A change of accounting method form allows a catch-up deduction in the current tax year The IRS treats the filing as an automatic acceptance, so prior returns stay untouched CSSI prepares the form as part of every study for the CPA to submit Recapture, Hold Periods, and the 1031 Exchange Selling soon after a study can let recapture consume the entire savings Tom recommends holding at least 3 to 5 years so reinvested savings outrun the recapture A 1031 exchange defers the gain entirely and is the cleanest way to avoid recapture What Qualifies and What Does Not Personal residences do not qualify; commercial and investment property does An owner-occupied duplex can be studied for the rental portion only A vacation rental is prorated based on the owner's personal use during the year Cost Segregation Inside a 1031 or a Syndication Tom recommends a study on both the relinquished and the replacement property Carryover basis reduces the new study's base, and the benefit still holds In syndications and JVs, depreciation flows by ownership percentage under the partnership agreement When It Is Too Late, and the Biggest Mistake Properties owned under ten years are worth evaluating; past twenty, there is usually little left to accelerate CSSI runs no-cost, no-obligation estimates before any commitment Tom says the biggest mistake is simply failing to pursue every tax benefit in the code He notes 100% bonus depreciation returned with no scheduled phase-out, unlike the version that stepped down after 2022
Join Bryan Hayes, Jeff O'Neill and Jamie McLennan for Hour 1 on OverDrive! The guys discuss the Chiefs' dominant win against the Broncos, Patrick Mahomes' performance, the Blue Jays defeat to the Tigers, Shawn Horcoff hired as the interim general manager of the Red Wings, Drake Batherson's signing with the Senators and the contracts in the NHL. They go around the sports world in the latest edition of Confirm or Deny and Auston Matthews' perspective on the Maple Leafs.
With conservative culture war architect Karl Rove now turning on GOP Texas Railroad Commission nominee Bo French, we're getting an update on where the line between open racism and more private racism now lies for Texas conservatives. And we do hope that the grownups surrounding Texas Longhorns star QB Arch Manning will have a word with him about whether or not violence against women is a laughing matter.Texas Tribune: https://www.texastribune.org/2026/09/14/bo-french-kal-rove-endorsement-jon-rosenthal/Lone Star Left: https://www.lonestarleft.com/p/republicans-pretend-to-be-outragedTexas Observer: https://www.texasobserver.org/not-all-texas-republicans-are-condemning-bo-french/Twitter: https://x.com/ProgressTX/status/2099841032468713653?s=20Join Progress Texas and BallotReady for another LIVE podcast recording session with Asian Texans For Justice during this year's TribFest in Austin! Sponsor and RSVP:https://act.progresstexas.org/a/atjtribfestThe midterm election approaches! Confirm your registration and make your voting plan NOW at GoVoteTexas.org. And see a handy ballot customizable to your home address from the Texas Tribune at https://apps.texastribune.org/features/2026/texas-general-election-ballot-november-2026/.Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org.
Through Sunday's episode surrounding racist comments made about non-white Texas Longhorns fans, folks appear to be realizing what we've known for a long time - Bo French, GOP nominee for Texas Railroad Commission, is an admitted, virulent racist - and placing a vote for him in November supports the institutional racism that plagues our state.New York Times: https://www.nytimes.com/2026/09/13/us/bo-french-racist-post-republicans-texas.html?smid=nytcore-android-sharePolitico: https://www.politico.com/news/2026/09/13/john-cornyn-bo-french-texas-students-01073901Texas Tribune: https://www.texastribune.org/2026/09/13/bo-french-john-cornyn-republican-texas-railroad-commissioner-ut/Houston Chronicle: https://www.houstonchronicle.com/opinion/editorials/article/texas-republicans-stand-racists-party-22430386.phpJoin Progress Texas and BallotReady for another LIVE podcast recording session with Asian Texans For Justice during this year's TribFest in Austin! Sponsor and RSVP:https://act.progresstexas.org/a/atjtribfestThe midterm election approaches! Confirm your registration and make your voting plan NOW at GoVoteTexas.org. And see a handy ballot customizable to your home address from the Texas Tribune at https://apps.texastribune.org/features/2026/texas-general-election-ballot-november-2026/.Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org.
Pharmaceutical giant Astellas has announced the expansion of its manufacturing facility in Tralee. This follows on from the company’s €330 million investment at the Kerry technology park in 2023. Jerry spoke to Mayor of Tralee, Cllr Angie Baily.
True Crime Reporter Lauren Conlin (@conlin_lauren on X) joins to recap what she witnessed of the jury in the courtroom during the Clancy trial. We have now identified the solo holdout juror on the Lindsay Clancy trial, as she begs the judge for an acquittal. Plus, did Savannah Guthrie just confirm that Nancy Guthrie has passed on? Shop at http://REVOLVE.com/NOFILTER and use code NOFILTER for 15% off your entire order. #REVOLVEpartnerLet's eat real. Head to https://www.FACTORMEALS.com/nofilter50off and use code nofilter50off to get 50% off & 1 free breakfast item per box for 1 year, while supplies last until 10/31/2026. See website for more details.See if you could save when you switch to Progressive. You'll feel good about making a savvy choice. Visit https://www.progressive.com/ and see if you can enjoy a little extra cash back.Become a Member of No Filter: ALL ACCESS: https://allaccess.supercast.com/ Shop New Merch now: https://merchlabs.com/collections/zack-peter?srsltid=AfmBOoqqnV3kfsOYPubFFxCQdpCuGjVgssGIXZRXHcLPH9t4GjiKoaio Watch Disaster Daters: https://open.spotify.com/show/3L4GLnKwz9Uy5dT8Ey1VPi Book a personalized message on Cameo: https://v.cameo.com/e/QxWQhpd1TIb Disclaimer: The views expressed in this video, on this YouTube Channel, and on No Filter with Zack Peter are for entertainment purposes only. All content is protected under Fair Use Rights.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Racking up over 1.5 million views - overnight - in the first 8 hours of its release, the Jimmy Kimmel interview with James Talarico forced off the air by Donald Trump's FCC is set to far surpass typical network viewership. On this 25th anniversary of the 9/11 attacks, Texas Republicans are leaning into anti-Muslim hate as a primary midterm campaign plank - while we recall Trump's lies and grift related to that tragic day. And it looks like the GOP midterm convention was a bummer for many of its attendees, as Grindr fails to function properly under heavy demand in Dallas.The Kimmel/Talarico interview: https://www.youtube.com/watch?v=WLDE9LrGpNkNBC News: https://www.nbcnews.com/politics/trump-administration/jimmy-kimmel-abc-tv-show-wont-air-james-talarico-interview-fcc-threats-rcna596994KERA Dallas: https://www.keranews.org/news/2026-09-11/texas-republicans-target-islam-muslims-at-republican-midterm-conventionSan Antonio Current: https://www.sacurrent.com/news/texas-news/gay-hookup-app-grindr-experiences-dallas-outages-during-republicans-trump-a-palooza/Join Progress Texas and BallotReady for another LIVE podcast recording session with Asian Texans For Justice during this year's TribFest in Austin! Sponsor and RSVP:https://act.progresstexas.org/a/atjtribfestThe midterm election approaches! Confirm your registration and make your voting plan NOW at GoVoteTexas.org. And see a handy ballot customizable to your home address from the Texas Tribune at https://apps.texastribune.org/features/2026/texas-general-election-ballot-november-2026/.Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org.
The first day of Donald Trump's two-day Dallas "convention" failed by far to fill the American Airlines Center, showing severely lacking interest in all matters Trump in Texas' third-bluest county. New polling shows good reason for GOP panic as Democrat Gina Hinojosa is now in a dead heat with Governor Greg Abbott - largely buoyed by a massive leftward shift among Texas Latinos. And Jimmy Kimmel's yanking of a James Talarico interview shows conclusively that American media is under attack by an authoritarian, conservative government - making YOUR support for fact-based, progressive independent media like Progress Texas all the more crucial.Bobby Pulido on MS Now: https://www.youtube.com/watch?v=5tsrXkvg7BEFort Worth Star-Telegram: https://www.star-telegram.com/news/politics-government/state-politics/article317189200.htmlLone Star Left: https://www.lonestarleft.com/p/a-plague-has-decended-upon-dallasAxios Austin: https://www.axios.com/local/austin/2026/09/10/democrats-suburban-texas-austin-turnoutNewsweek: https://www.newsweek.com/greg-abbott-faces-worrying-poll-as-trumps-texas-rnc-begins-12423150Cook Political Report: https://www.cookpolitical.com/analysis/house/texas-house/exclusive-new-poll-hispanic-texas-voters-shows-collapse-gops-2024Variety: https://variety.com/2026/tv/news/jimmy-kimmel-live-james-talarico-youtube-fcc-1236856911/Join Progress Texas and BallotReady for another LIVE podcast recording session with Asian Texans For Justice during this year's TribFest in Austin! RSVP:https://act.progresstexas.org/a/atjtribfestThe midterm election approaches! Confirm your registration and make your voting plan NOW at GoVoteTexas.org. And see a handy ballot customizable to your home address from the Texas Tribune at https://apps.texastribune.org/features/2026/texas-general-election-ballot-november-2026/.Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org.
NOAA's Climate Prediction Center now gives a 69% chance that this El Niñois the strongest since 1950 — and California property owners have about60 days to get ahead of it. I'm not a meteorologist. I'm a property ownerwho has managed over 1,000 units, and this is the exact checklist I'mrunning on my own properties before the first atmospheric river hits.The biggest threat to your property isn't El Niño. It's water goingsomewhere your property wasn't designed to handle.⏱ CHAPTERS0:00 - Why I'm making this in September, not December0:00 - What El Niño actually means (60 seconds)0:00 - The 1997-98 vs 2015-16 problem0:00 - Roof and gutters0:00 - Why the fifth storm is the dangerous one0:00 - Drainage and grading0:00 - Trees and retaining walls0:00 - The insurance conversation most owners get wrong0:00 - What to do this week
There's one sentence that explains why people buy from some creators... and completely ignore others. It's not a funnel. It's not a hook formula. It's one sentence, and it's been sitting in a book since way before any of us started posting. Fonzi brought it to me on a Friday afternoon and would not tell me what it was ahead of time (which, if you know him, is not normal). Five parts. We're breaking down every single one. And by the end you're going to know exactly what's missing from your messaging... and why people keep saying "this is great" and then never buying. Let's go.
The Trump rally masquerading as a midterm convention beginning today in Dallas is a sure sign that the GOP sees Texas slipping from their stranglehold - while Texas Democrats respond with grocery drives and a rally of their own. And the new documentary on Elon Musk shows the world's first trillionaire and Texas' worst transplant to be a one-man existential threat to global democracy.Houston Chronicle: https://www.chron.com/texas/article/trump-texas-midterm-convention-22423270.phpKERA Dallas: https://www.keranews.org/news/2026-09-08/republican-national-convention-dallas-1984-trumpapalooza-midterm-trump-talarico-paxton-democrat-differentWFAA Dallas: https://www.wfaa.com/article/news/politics/elections/dallas-protest-republican-rnc-midterm-convention-gop-dallas-city-hall/287-329ac334-9811-4c2c-954f-7b34483bf29bNew York Times: https://www.nytimes.com/2026/09/08/movies/elon-musk-film-alex-gibney-venice-film-festival.htmlUSA Today: https://www.usatoday.com/story/entertainment/movies/2026/09/08/elon-musk-documentary-revelations/91663252007/Join Progress Texas and BallotReady for another LIVE podcast recording session with Asian Texans For Justice during this year's TribFest in Austin! RSVP:https://act.progresstexas.org/a/atjtribfestThe midterm election approaches! Confirm your registration and make your voting plan NOW at GoVoteTexas.org. And see a handy ballot customizable to your home address from the Texas Tribune at https://apps.texastribune.org/features/2026/texas-general-election-ballot-november-2026/.Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org.
Hiring is already expensive. Weak contracts, unclear roles, or the wrong worker classification can make it a lot more expensive later. In this episode, I sit down with Sarah, a healthcare attorney and former med spa owner, to talk about the legal and financial gaps that show up as practices grow. We cover partnership agreements, W-2 vs. 1099 classification, job descriptions, expansion risk, and how poor documentation can hurt enterprise value. Put It in Writing Before You Need It Partnerships and employment relationships are easiest when everyone agrees. That's when you should document pay, responsibilities, expectations, and what happens if things change. Job descriptions should also match the work people are actually doing—not a generic template. If the paperwork says one thing and the practice does another, that's where risk starts. Fix the Legal Cracks Before You Scale Before you add another location, provider, or partner, check the foundation: Make sure agreements match the real working relationship Review W-2 vs. 1099 classification Update job descriptions as roles change Confirm payroll and scheduling support the classification If the first location still runs on workarounds, a second one will multiply the risk. (00:04:35) Starting without the right paperwork (00:11:39) Risks of expanding too early (00:20:25) Why documentation matters (00:23:59) Preparing for a smoother sale (00:28:10) W-2 versus 1099 classification "1099 Employee" Is Not a Thing Worker classification isn't based on preference. Control, scheduling, exclusivity, and the actual relationship matter. Part-time doesn't automatically mean contractor, either. Misclassification can mean penalties, unenforceable agreements, and ugly surprises during due diligence. Buyers Pay More for Less Risk Clean financials matter, but buyers also look at contracts, payroll, staff arrangements, and how much cleanup they'll inherit. Tightening those areas now can make the practice easier to scale today and easier to sell later. About Sara Shikhman: Sara Shikhman is an experienced healthcare lawyer and entrepreneur with over 16 years of expertise. She and her team have assisted more than a thousand clients in navigating the healthcare industry's complex legal and regulatory landscape, negotiating contracts, protecting intellectual property, and obtaining funding. As CEO and COO, she has also led several multi-million-dollar ventures, including an e-commerce company that generated over $13 million in revenue in two years and a med spa that expanded from one room to 12 locations across multiple states, generating over $13 million in annual revenue. Connect with Sara: Website: https://lengealaw.com/ Free Consultation Booking Link: https://lengealaw.cliogrow.com/book/44df0ed4ba012f9e04d8565f2c9c9aa4 Follow Shannon & Keep What You Earn: Shannon Weinstein is the founder of a fractional CFO firm specializing in helping 7-figure aesthetics and wellness practices scale with clarity, cash flow, and confidence. She is committed to helping med spa owners understand, fix, and maximize their business's enterprise value, offering actionable advice and resources, including a popular free video series specifically for aesthetics practice owners. Fractional CFO Services and Executive Financial Review: https://www.keepwhatyouearn.com/ Connect with Shannon: https://www.linkedin.com/in/shannonweinstein Watch full episodes: https://www.youtube.com/@KeepWhatYouEarn Listen on your favorite podcast app: https://pod.link/1580071347 Instagram: https://www.instagram.com/shannonkweinstein/ The information shared is for educational purposes only and is not individualized financial advice. Aesthetics practice owners should consult a qualified professional before implementing financial strategies discussed here.
Join Bryan Hayes, Jeff O'Neill and Jamie McLennan for Hour 2 on OverDrive! Host of the Dan Patrick Show, Dan Patrick joins to discuss the Kawhi Leonard cap circumvention, the NFL season starting up and the Seahawks' chase for a back-to-back Super Bowl. They go around the sports world in Confirm or Deny, Connor Hellebuyck's future with the Jets and Hayes gives his NFL futures picks for the season.
Quran Talk - God Alone, Quran Alone, Submission = True Islam
Discord: https://discord.gg/submissionserver Video Notes: https://qurantalkblog.com/2026/08/02/confirm-and-supersede-what-the-quran-asks-of-the-people-of-the-book/ https://qurantalkblog.com/2026/08/03/how-the-quran-addresses-the-jews-about-the-gospel-and-what-it-reveals-about-the-quran-itself/ Twitter: https://twitter.com/talkquran Spotify: https://spoti.fi/30MB7Nw Podcast: https://apple.co/2lLnsFE Resources: https://wikisubmission.org/quran Problematic Sahih Hadith: https://qurantalk.gitbook.io/problematic-sahih-hadith Hadith Refutation: https://qurantalk.gitbook.io/hadith-refutation/
The GOP "convention" in Dallas this Wednesday and Thursday will feature no party business - focusing instead on a desperate, gaudy Trump sideshow designed to bolster flagging interest in his brand. Trump's "MAGA Inc." PAC has set a $10 million ad buy across Texas for Ken Paxton, out of similar desperation. Current Paxton ads goofily try to blame James Talarico for policies leading to Chinese landownership in Texas. Ted Cruz racks up a huge private airfare bill while he barnstorms for Paxton (but really for himself). And Beto O'Rourke warns of GOP election meddling both to come, and already underway.Dallas Morning News: https://www.dallasnews.com/news/politics/article/dallas-hosts-gop-midterm-convention-heavy-on-trump-22417111.phpTexas Tribune: https://www.texastribune.org/2026/09/05/texas-maga-inc-10-million-ad-spend-paxton-trump/Houston Chronicle: https://www.houstonchronicle.com/politics/texas/article/ted-cruz-midterms-private-jets-22407804.phpSan Antonio Current: https://www.sacurrent.com/news/politics-and-elections/at-san-antonio-rally-beto-orourke-warns-gop-may-use-intimidation-tactics-to-steal-midterms/Join Progress Texas and BallotReady for another LIVE podcast recording session with Asian Texans For Justice during this year's TribFest in Austin! RSVP:https://act.progresstexas.org/a/atjtribfestThe midterm election approaches! Confirm your registration and make your voting plan NOW at GoVoteTexas.org. And see a handy ballot customizable to your home address from the Texas Tribune at https://apps.texastribune.org/features/2026/texas-general-election-ballot-november-2026/.Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org.
Real Estate Investor Dad Podcast ( Investing / Investment in Canada )
Fall Rental Property Maintenance Checklist: What Landlords Should Do Before Winter Winter problems are expensive. A furnace that fails during the first cold snap. A frozen exterior water line. Clogged gutters sending spring melt toward the foundation. Too much humidity creating condensation, ice and eventually mold. These are predictable problems, which means landlords should be dealing with them before they become emergencies. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby walk through their fall rental-property maintenance checklist and explain the systems they use to prepare their portfolio for winter. The goal is simple: Be proactive instead of reactive. A relatively inexpensive preventative repair in September can save you from a much larger emergency repair in January. Why Every Landlord Needs a Seasonal Maintenance System When you own your own home, seasonal maintenance can happen naturally. You notice something in the yard. You walk past the furnace. You see leaves accumulating in the gutters. With multiple rental properties, that does not happen automatically. The more properties you own, the more important systems and checklists become. Wayne and Gabby recommend creating a repeatable fall inspection checklist, saving it permanently and putting a recurring reminder into your calendar every year. You should not have to remember everything. The system should remind you. Start With the Furnace One of the most important fall checks is the furnace. Do not wait for the first -30°C night to discover that the furnace does not work. During the fall inspection: Turn the furnace on Confirm it fires properly Change the furnace filter Consider servicing it if it has not been checked recently Make sure airflow is not being restricted Deal with known issues before winter The worst time to discover a furnace problem is late at night during the first major cold snap when every HVAC company in the city is already dealing with emergency calls. Preventative maintenance gives you options. Emergency maintenance usually gives you a bill. Check the Humidifier Gabby considers humidity control one of the most important seasonal checks. If the property has a furnace-mounted humidifier or HRV system, the settings may need to change as outdoor temperatures drop. Too much indoor humidity during very cold weather can cause condensation and ice around: Windows Window frames Exterior walls Corners Areas behind furniture Other cold surfaces That ice eventually melts. Then you have water entering drywall, flooring and framing. And moisture problems can quickly become mold problems. Make sure the humidifier is set appropriately for the season and outdoor temperature. Winterize Exterior Hose Bibs Exterior water lines are another major concern. Before freezing temperatures arrive: Disconnect exterior hoses Locate the interior shutoff Shut the water supply off Open the exterior hose bib Drain the remaining water from the line Close everything properly for winter Water expands when it freezes. If water remains trapped in the pipe, the line or hose bib can burst. You may not even discover the damage until spring when somebody turns the water back on. Wayne and Gabby have purchased properties where exterior hose bibs did not survive the previous winter. A simple preventative step can save hundreds or potentially thousands of dollars. Clean Gutters and Check Downspouts Make sure gutters are clear and downspouts direct water away from the house. In Alberta, snow may accumulate for months before melting rapidly in spring. When that happens, you want the water moving away from the foundation. Clogged gutters or poorly positioned downspouts can contribute to: Foundation moisture Basement leaks Water intrusion Landscaping damage Properties surrounded by mature trees may require gutter cleaning every spring and fall. Wait until most of the leaves have fallen before completing the final fall cleaning. Check the Roof While inspecting the exterior, look at the roof. Check for: Missing shingles Damaged shingles Storm damage Fascia issues Soffit damage Areas where water could penetrate A small roof problem in September is much easier to repair than a roof problem buried beneath months of snow. Don't Ignore the Attic Attic issues can create serious winter problems. Look for: Inadequate insulation Poor ventilation Disconnected vents Bathroom fans exhausting incorrectly Signs of moisture Previous water staining Heat escaping into the attic can create condensation and ice. When that ice melts, the water can end up inside the ceiling, insulation or walls. That can lead to stains, leaks and mold. Wayne and Gabby emphasize another lesson here: If your home inspector identifies an attic issue when you buy the property, do not simply file the inspection report away and forget about it. Fix the important items. Test Smoke and Carbon Monoxide Detectors Every seasonal inspection should include life-safety equipment. Test every smoke alarm and carbon monoxide detector. Check: Operation Batteries where applicable Expiry dates Proper placement These devices are not decorative. They exist to protect the people living in your property. Check Windows and Doors Look closely at exterior windows and doors. Check: Caulking Sealant Weather stripping Visible gaps Signs of water intrusion Areas where daylight is visible around doors If you can see daylight around a door, cold air can get through too. Wayne and Gabby have become increasingly focused on exterior sealing after dealing with water-intrusion issues in their portfolio. Water will find surprisingly small openings. Seal them before weather makes the problem worse. Check the Rest of the Property While You're There If you are already inspecting the property, use the opportunity to perform a broader maintenance review. Consider checking: Hot water tank Appliance filters Plumbing Exterior drainage Interior moisture Property condition Previously identified maintenance items Treat the rental property the way you would treat your own home. The goal is to leave knowing the property is prepared to operate safely through winter. Document Everything Do not simply walk through and rely on memory. Take photos. Record what was inspected. Document repairs required. Keep the inspection record. Then compare it against the next seasonal inspection. If something does not need immediate attention but should be reviewed again in spring, document it and schedule the follow-up. Proactive Beats Reactive Wayne summarizes the philosophy behind the entire episode: Good property management is not about fixing things when they break. It is about identifying predictable problems before they become emergencies. A $150 preventative repair in September can easily prevent a $2,000 emergency repair in January. The exact number is not the point. The principle is. Preventative maintenance is almost always easier and cheaper than emergency maintenance. Build the System Once For investors with multiple properties, the solution is not becoming better at remembering everything. Build a system. Create a fall checklist. Create a spring checklist. Put recurring reminders into your calendar. Delegate inspections where appropriate. Document the results. Schedule repairs automatically. The simpler the system is, the more likely it will actually be followed. That frees up your mental bandwidth for higher-value activities: Finding deals. Building relationships. Raising capital. Growing your portfolio. And spending time on the things outside real estate that actually matter to you. REIcon – The Summit Series REIcon takes place in Edmonton this weekend: September 11–13, 2026 Wayne and Gabby will be there Friday and Saturday. On Saturday morning, the Canadian Real Estate Investing Morning Show will be recorded live on stage. Later Saturday, Wayne will participate in a due diligence and pre-purchase session with Patrick Francey. Wayne and Gabby will also present together on asset management and property management. Get tickets at: www.reiconference.ca Use discount code: REIMASTERS15 for 15% off. REI Masters Mentorship Work directly with Wayne and Gabby on acquisitions, financing, deal analysis, property management, joint ventures and building a profitable Canadian real estate portfolio. www.reimasters.ca Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions for the show: info@reimorningshow.com Upcoming Events REIcon – The Summit Series Edmonton, Alberta September 11–13, 2026 www.reiconference.ca Discount code: REIMASTERS15 REI Masters Annual Retreat Edmonton, Alberta October 17–18, 2026 www.reimasters.ca Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca
Daniel Scranton channels the 9D Arcturian Council in this Portal To Ascension "Embracing Contact" transmission, and the collective's message on ET contact is unusually specific. Speaking through Scranton, the Arcturians argue contact begins not with a landing but with self-acceptance: embrace yourself, your shadow, your differences, and the crowded "full sky" of ships, orbs, and portals they say already surrounds Earth. Weigh it how you like, but note the concrete claims — face-to-face meetings with Pleiadians and hybrids while the 9D beings stay non-physical, a coming wave of mental-health upheaval as worldviews collapse, and reassurance that this is neither rescue nor invasion. The most buried detail? A quiet prophecy that the very family members who called you the weird "black sheep" will be the first to phone you when ships appear.
durée : 00:05:02 - Les rendez-vous d'Anna - Chaque dimanche, Anna Sigalevitch met un coup de projecteur quelque part dans le monde de la musique classique. - équipe : Anna Sigalevitch, Anne Weinfeld - invités : Anna Sigalevitch Journaliste et auteure Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France
Appointed and un-elected Texas Comptroller Don Huffines wants to double the $1 billion budget for the private school voucher scam. Democratic Railroad Commission nominee Jon Rosenthal details his fact- and strategy-based agenda for overseeing Texas' massive energy sector. Democratic nominee for Governor Gina Hinojosa sees yet another poll placing her in striking distance of a win, while Governor Greg Abbott's reversal on Flock cameras apparently doesn't apply to Texas DPS. Ken Paxton chickens out of a fourth debate against James Talarico, this one offered by CNN. Elon Musk's PAC gives Paxton almost a quarter-million dollars, while his Tesla Cybercabs roll out in Austin - minus steering wheels.Texas Tribune on vouchers: https://www.texastribune.org/2026/09/03/texas-school-voucher-program-2-billion-expansion-budget-comptroller/Texas Observer: https://www.texasobserver.org/railroad-commission-bo-french-jon-rosenthal/Texas Tribune on Flock cameras: https://www.texastribune.org/2026/09/04/texas-flock-cameras-dps-network-search-abbott/KXAN Austin: https://www.kxan.com/news/texas-politics/third-poll-in-five-weeks-shows-hinojosa-within-point-of-abbott-its-a-real-race/Austin American-Statesman: https://www.statesman.com/news/politics/state/article/talarico-paxton-cnn-texas-senate-debate-22414048.phpScripps News: https://www.scrippsnews.com/politics/elon-musks-super-pac-starts-spending-to-help-gop-in-midterms-including-texas-ken-paxtonAssociated Press: https://apnews.com/article/tesla-cybercab-austin-elon-musk-driverless-8791add840f4debbc41bcaa9d1e64561Join Progress Texas and BallotReady for another LIVE podcast recording session with Asian Texans For Justice during this year's TribFest in Austin! RSVP:https://act.progresstexas.org/a/atjtribfestThe midterm election approaches! Confirm your registration and make your voting plan NOW at GoVoteTexas.org. And see a handy ballot customizable to your home address from the Texas Tribune at https://apps.texastribune.org/features/2026/texas-general-election-ballot-november-2026/.Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org.
Today, I'm breaking down why most difficult conversations fail. The problem usually isn't that people don't know what to say. It's that they skip steps and jump straight into solutions before establishing that there is an issue, that the issue needs to be addressed, and that someone is actually taking responsibility for it. I'm giving you the three-step structure I use for difficult conversations: agreement, intention, and resources. Follow the order, get clear on who owns the problem, and only then figure out what support is needed. Show Notes: [02:45]#1 First, agreement. [16:28]#2 Confirm that they intend to address the issue. [23:23]#3 Identify the support needed. [25:31] Recap Next Steps: --- Execution is not a talent. It is a standard. If your results don't match your ability, something in your approach is out of alignment. Most people do not have a motivation problem. They have a consistency problem. Power Presence is the system for operating with greater discipline, clarity, structure, and execution under pressure. Learn more: → http://www.PowerPresenceProtocol.com Know what to do but not always doing it? Measure your execution at → http://RateMyExecution.com. Get Dre's free Daily Game email at http://WorkOnMyGame.com. Every day you'll receive one practical lesson on leadership, mindset, discipline, and execution to help you perform at a higher level. No fluff. Just game
After years of refusing to expand Medicaid coverage to help lower-income Texans get health coverage, Governor Abbott is now demanding Medicaid dollars that the Trump administration is withholding. As more and more Texas cities disconnect their Flock cameras, Tarrant County Sheriff Bill Waybourn is still big on them. And while Texas GOP officials slash polling locations for the midterm election, the US Postal Service is allegedly preparing to help Donald Trump kneecap mail-in voting.Texas Tribune: https://www.texastribune.org/2026/09/02/texas-hospitals-medicaid-greg-abbott/Fort Worth Star-Telegram: https://www.star-telegram.com/news/politics-government/article317080708.htmlAustin American-Statesman: https://www.statesman.com/politics/article/usps-mail-voting-texas-22412931.php?utm_source=redditThe midterm election approaches! Confirm your registration and make your voting plan NOW at GoVoteTexas.org. And see a handy ballot customizable to your home address from the Texas Tribune at https://apps.texastribune.org/features/2026/texas-general-election-ballot-november-2026/.Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org.
Real Estate Investor Dad Podcast ( Investing / Investment in Canada )
The Basement Suite Cashflows - But Is It Actually Legal? A basement suite can make a rental property look fantastic on paper. Two rents. Better cash flow. Stronger returns. But there is one question investors sometimes forget to ask before removing conditions: Is the basement suite actually legal? In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby explain how investors can verify whether a secondary suite is permitted, why an illegal or non-conforming suite can create serious financial risk, and what could happen if the city, lender or insurance company eventually starts asking questions. They also discuss the Bank of Canada's latest interest-rate announcement, why investors shouldn't build deals assuming rates are going to fall, and why sufficient cash flow is what protects a rental portfolio when borrowing costs change. What You'll Learn Why the Bank of Canada holding rates doesn't mean investors should assume rates are headed lower How variable-rate mortgages and HELOCs are affected differently than fixed-rate mortgages Why Wayne believes deals should work at today's interest rates How the 5% Rule™ Cash Flow Test creates a cushion against higher borrowing costs Why reserve funds make property repairs and renovations much easier Why a basement suite can make a mediocre property look great on a spreadsheet How to determine whether a basement suite is actually legal Why pulling a permit does not necessarily mean the suite received final approval Why investors should confirm that the existing suite matches what was originally approved Why you should never automatically treat rent from an illegal suite as guaranteed income How an illegal suite can affect property value Why neighbours and former tenants can create unexpected problems What could happen if the municipality orders a secondary suite to stop operating Potential tenant relocation costs when a suite can no longer legally be occupied Why insurance becomes particularly important with non-conforming suites How Edmonton, Calgary, Winnipeg, Toronto and Vancouver differ when researching secondary suites Why Wayne and Gabby recommend buying or building legal suites whenever possible Bank of Canada Holds at 2.25% The Bank of Canada held its overnight rate at 2.25% in its September announcement. Wayne points out that the bigger story for investors is not simply that the rate stayed the same. It is the possibility that the environment could change. His message to investors is straightforward: Do not buy a rental property assuming interest rates are going down. Make the property work at today's numbers. If rates eventually fall, great. But your investment should not require that to happen. Variable vs. Fixed Mortgages Wayne also explains an important distinction. Changes to the Bank of Canada's overnight rate directly influence prime-based borrowing products such as: Variable-rate mortgages Adjustable-rate mortgages Home equity lines of credit A fixed-rate mortgage does not immediately change simply because the Bank of Canada changes its overnight rate. For investors with variable borrowing, however, rate increases can mean either higher interest costs or higher monthly payments depending on the mortgage structure. That makes cash flow especially important. Could Your Property Survive Higher Rates? Imagine your mortgage payment increases by $50 per month. Probably manageable. What if it rises by $500? Now the question becomes much more serious. Over a 20-year investment period, investors should expect interest rates to move. The property needs enough cash-flow cushion to survive those changes. Wayne points back to what happened when investors purchased properties during extremely low-rate environments and built their deals around financing conditions that did not last. When rates increased, some properties and projects could no longer support themselves. That is exactly the type of situation the 5% Rule™ Cash Flow Test is designed to help investors avoid. Why Cash Flow Creates Options Wayne and Gabby share another example from their own portfolio. One of their properties recently became vacant after several years. The property now needs repairs and improvements. But they are not scrambling to find the money. Why? The property's cash flow has been accumulating inside its reserve fund. That reserve can now pay for the work. No emergency credit card. No unexpected cash call to the joint venture partner. No panic. The rental business generated the money needed to maintain the rental business. That is how Wayne and Gabby believe a long-term portfolio should be built. Is That Basement Suite Actually Legal? The second major topic today begins with a situation Wayne recently heard about. An investor had been renting a basement suite when the municipality contacted them and wanted to inspect it. The problem? The suite was not properly permitted. Now the investor is facing questions about whether the tenant can continue living there and what happens to the economics of the property if that basement rent disappears. This is why Wayne believes investors need to verify secondary-suite status before purchasing the property. The Numbers Can Look Amazing Non-conforming suites can be tempting. Imagine two similar properties. One has a fully legal secondary suite. The other has a basement suite that looks almost identical but was never properly permitted. The non-conforming property may sell for less while producing almost the same advertised rental income. On a spreadsheet, that can look like an incredible deal. But that additional rent comes with risk. If something happens and you can no longer rent the basement separately, does the property still work? The Question Wayne Would Ask If you are considering purchasing a property with a non-conforming basement suite, Wayne suggests running a worst-case scenario: Does this property still cash flow if I cannot rent the basement separately? Assume the suite gets shut down. Assume you must rent the entire house as one unit. Does that rent still cover the property's expenses? Does it still pass the 5% Rule? If the answer is no, you need to understand exactly how much risk you are accepting. Wayne and Gabby's preference remains much simpler: Buy or build legal suites. Don't Overpay for an Illegal Suite Wayne gives a simple example. Imagine similar bungalows in a neighbourhood are worth: $400,000 A comparable property with a properly permitted legal suite might be worth: $500,000 Now imagine another $400,000 bungalow has an unpermitted basement suite. An investor sees the additional rental income and pays: $450,000 They think they received a bargain because it is cheaper than the legal suited property. But that unpermitted suite does not necessarily create the same market value as a fully legal one. You may have simply paid $50,000 too much for a $400,000 house. How to Check Whether a Basement Suite Is Legal Before buying a suited property, investigate it. 1. Check the Zoning Determine whether secondary suites are permitted under the property's zoning and municipal rules. 2. Check the Permits Find out whether the correct permits were actually issued for the secondary suite. Do not simply take the seller's word for it. 3. Confirm Final Inspections A permit being opened does not necessarily mean the work received final approval. Ask whether all required inspections were completed and the permit was properly closed. 4. Compare the Current Suite to What Was Approved A previous owner may have obtained approval and then changed the property afterward. Make sure today's layout and use still correspond with what was permitted. Some Cities Make This Easier Depending on where you are investing, your municipality may provide online tools that can help with the initial research. Wayne and Gabby discuss several examples. Edmonton has tools investors can use to research secondary-suite permits. Calgary has a secondary-suite registry. Winnipeg allows investors to search issued permits by address. Other cities, including Toronto and Vancouver, have permit and property-research tools, but investors may still need to contact the appropriate municipal department to confirm the actual status of a secondary suite. The easiest approach is usually: Search the city's online tools first. Then, if there is any uncertainty, contact the municipality directly and ask: "Does this address have a permitted secondary suite, and were all required final inspections completed?" What Causes the City to Investigate? Municipalities generally are not driving around neighbourhoods searching for illegal basement suites. Problems often begin because somebody complains. Two obvious possibilities are: Tenants. And: Neighbours. A tenant who becomes unhappy with the landlord may discover that the suite is not legal. A former tenant may complain. A neighbour who is frustrated with parking, noise or repeated rental problems may report the property. Everything can operate smoothly for years. Until somebody makes the phone call. What Happens to the Tenant? This is one of the risks investors sometimes overlook. You may have a valid residential tenancy agreement with someone living in the basement. If the municipality determines they can no longer legally occupy that space, you now have two problems. You lost the rental income. And your tenant may need somewhere else to live. Depending on the circumstances and applicable law, the landlord could potentially face costs resulting from being unable to provide the premises promised under the tenancy agreement. That could include temporary accommodation, moving, storage or other expenses. This is an area where investors should obtain proper legal advice for their specific situation. Don't Forget the Insurance Company Another major concern is insurance. Imagine you buy a property with an illegal secondary suite. You obtain landlord insurance. You collect rent. Everything appears fine. Then there is a major claim. A fire. Serious water damage. Liability involving an occupant. The insurance company investigates and discovers the property was being used differently than represented or that an unpermitted secondary suite was being occupied. That is not the time you want to discover that your coverage may be affected. Wayne recommends being transparent with your insurance professional and making sure the property is properly insured for the way it is actually being used. The Liability You Don't Want Wayne also discusses the extreme scenario investors sometimes hear about involving fires in illegal basement suites. If a landlord knowingly operates an unsafe or prohibited suite and someone is seriously injured or killed, the consequences could go far beyond lost rent. The circumstances surrounding any legal liability would depend heavily on the facts, but the underlying lesson is simple: Do not knowingly ignore serious safety or permitting issues. Saving money by avoiding permits is not worth taking a catastrophic risk. The Main Lesson A beautiful basement suite does not automatically mean you have two legal rental units. And a spreadsheet showing two rents does not mean you can count on receiving both rents forever. Before buying: Check the zoning. Check the permits. Confirm final inspections. Verify what was actually approved. Speak with your insurer. And run the property numbers assuming that basement rent disappears. If the entire investment collapses without the non-conforming suite, understand that you are taking a significant risk. Wayne and Gabby's preferred approach is straightforward: Buy legal. Build legal. The additional cost is usually much easier to deal with than discovering years later that the rental income your entire investment depended on was never guaranteed in the first place. About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and founders of REI Masters. Through the Canadian Real Estate Investing Morning Show, they provide practical Canadian real estate investing education, lessons from their own portfolio and free coaching every weekday morning. Send Your Questions to the Show Have a question you want Wayne and Gabby to answer?
Original Air Date: 9/5/26 Episode Number: 475Episode SummaryDan kicks off the Labor Day weekend with color capping — the emerging trend of using multiple shades from one color family as you move up the walls to the ceiling — and five things to think through before you try it. Then he launches a new multi-week series on refinishing and flipping secondhand furniture, starting with the skill that comes before any of the sanding or stripping: how to walk through a thrift store, antique shop, or flea market and tell whether a piece is actually worth bringing home. Six things to check before you buy, a hard look at what paint might be hiding, and how to figure out whether the piece you just found is worth more than you paid for it.Timestamps[00:00] -- Labor Day Welcome [00:56] -- Color Capping Trend [02:07] -- Five Color Capping Tips [06:08] -- Tools and Deals [07:55] -- Furniture Refinishing Series [11:07] -- Thrift Store Worth It [13:11] -- Check the Bones [18:33] -- Break and Tease Next [20:33] -- Spot Solid Wood [21:59] -- Veneer Red Flags [22:50] -- Painted Piece Reality [26:42] -- Hardware Swap Magic [28:10] -- Pick Beginner Projects [31:53] -- Sniff Test Check [33:13] -- Is It Valuable [34:08] -- Research Maker Marks [35:03] -- Reverse Image Search [37:38] -- Restore or Paint [38:51] -- Wrap Up and SaleColor Capping [00:56]Color capping is a way of using multiple shades from the same color family in one room, typically getting deeper and richer as you move upward and onto the ceiling. Picture a soft dusty blue on the walls, a deeper blue on the crown molding, and a rich navy overhead. It doesn't have to run light to dark — you can reverse it — and it doesn't have to be three colors. Two works. More works. Benjamin Moore has been talking about it and it's showing up steadily on design blogs and decorating sites.Five things to keep in mind before you try it:Undertones matter. Three greens are not automatically three compatible greens. One may lean yellow, another blue, another grayed-down and earthy. The easiest fix is to start with a single color card and pull your graduating tones from it. If you're pulling from separate cards, hold them together and compare undertones directly.Distinct, but not disjointed. The shades need enough separation to read as intentional without looking like they don't belong in the same room. On a card with graduating tones, two or three shades apart is a good starting point. However you land on your colors, sample them. Benjamin Moore color samples let you get real paint on the wall, the ceiling, the trim, or a foam board and see the colors at scale, next to each other, in morning light and evening light.Let the architecture pick your transition points. Crown molding makes this easy — walls in one color, crown in the next, ceiling in the deepest. Picture rails, beams, and tray ceilings all work the same way. Anything that naturally divides one surface from another gives you a logical place to shift. Without those elements you can still do it, but you have to create the break yourself; roughly two-thirds up the wall is a reasonable rule of thumb.Think hard about the ceiling color. A deep navy, charcoal, or dark green overhead can be gorgeous in a dining room with ten-foot ceilings — rich and intimate. That same ceiling in a small room with eight-foot ceilings and one north-facing window can read as smaller, darker, and more closed-in. That may be exactly what you want, but make it a deliberate choice rather than a photo you saw online. Look at room size, ceiling height, and natural light, and sample before you commit.Don't be intimidated. It looks sophisticated, but mechanically nothing new is happening. You're painting walls, trim, and a ceiling — just in different colors. The hard part is color selection, and there are color experts at every RepcoLite location who can help.Ceiling paint note. If you're putting any color on a ceiling, Benjamin Moore Waterborne Ceiling Paint is the product to use. It's a dead flat and it stays dead flat when it's tinted, which is unusual — most ceiling paints don't hold that. The flatter the finish, the more forgiving the application.September Deals [06:08]FrogTape is on special all September at RepcoLite — $13 for a three-pack of 1.5-inch tape. It's the product to reach for when you need crisp lines between colors, which color capping demands. More on FrogTape next week.Benjamin Moore Regal Select Interior is 20% off at all RepcoLite locations through September 14.A New Series: Furniture Refinishing [07:55]Over the next several weeks, Dan is doing a running series on refinishing and flipping furniture — finishes and when to use which, prep decisions like whether to strip or just sand, tools, tips, and techniques. It won't take over the whole show every week, and it won't necessarily appear every week.Furniture refinishing is one of the best gateway projects in DIY. The investment is low — a dresser, table, or cabinet from a thrift store, estate sale, or garage sale, or something already sitting in your basement — and with a fairly small set of tools and products you learn skills that transfer to projects all over your house. Plenty of people who now do all their own painting and remodeling got started by refinishing a single chest of drawers, and some turned it into a business.Is This Piece Worth Bringing Home? [11:07]Before any of the actual work comes the skill of standing in front of a piece at a thrift store, flea market, or Facebook Marketplace pickup and deciding whether it's worth your money. A former guest on the show — a professional refinisher — once grabbed a great-looking piece off the curb with a free sign on it, got it home, and realized in seconds that it wasn't wood at all. It was particle board with a convincing printed grain. It happens to people who do this for a living. Six things to check:Check the bones. Is the piece solid or wobbly? Are the major joints tight or separating? Do doors open and close smoothly, do drawers slide, are the drawer bottoms intact? Pull a drawer out and look at the underside. Look at the joinery — dovetails signal real effort and a much stronger drawer than corners that are stapled together, and irregular hand-cut dovetails suggest real age, real care, or both. Confirm the back panel is properly attached. Look for warping, rot, and water damage; minor versions are usually fixable, serious versions are a different project entirely. And check the feet. Dan once bought an ornate carved desk, inspected everything, and discovered at home that large chunks were missing from the back feet — right where they'd be visible in his space. On wood filler and "stainable." The epoxy putties and wood fillers used for repairs like that say "stainable" on the container, and most people read that as "will match." It doesn't mean that. It means the product will absorb stain — not that it will take stain in the same way, at the same rate, or in the same color as the real wood around it. Dan's repaired feet always read slightly lighter than everything else. If you're painting the piece, repairs are far less of a problem. If you're staining, assume the repair will show.Identify the material. Solid wood, veneer, or engineered? Solid wood and veneer can both be refinished. Engineered material with a printed grain can be painted with enough prep, but you're not working on a lasting piece of furniture. Check the edges and corners: on solid wood the face grain continues around onto the edge, while veneer shows a thin seam or a separate banding strip where the sheet stops. Veneer is genuinely workable despite what you sometimes hear — minor issues are easy to fix — but heavy lifting, bubbling, loose edges, or large missing sections make it substantially harder and slower.Painted pieces need extra scrutiny and lower expectations. Sometimes paint is there because somebody got tired of everything looking like wood, and stripping it reveals beautiful grain underneath. That's a real and genuinely thrilling outcome, and it will make you say the universal line — why would anyone have ever painted this? — roughly a hundred times. But paint also covers a multitude of sins: major repairs, or grain so unappealing that someone painted over it on purpose. Dan stripped a desk expecting treasure and found cheap wood with terrible graining that looked worse stained than painted. In the store, look for smoothness across large flat surfaces, or rather for spots that aren't smooth or uniform, which can signal putty repairs underneath. Beyond that, have a backup plan. If you'd be happy pivoting to a painted or partly painted finish, buy it. If the room truly requires stained and varnished, understand that you're gambling.Don't let the hardware throw you. New hardware transforms a piece. Dan passed on a chest of drawers a couple months back because he disliked the large wooden knobs, saw it again after someone else refinished it and swapped in brass, and was floored by the difference. He'd had no trouble picturing the refinishing — it was the hardware he failed to imagine. Hardware is easy to change in nearly every situation.Ask how complicated the refinish will be. Look at the shape, the detail, and the existing finish. A worn clear coat is one project; layers of old paint are another. The older...
As Tarrant County's Republican-dominated Commissioners Court slashes polling locations for Election Day, that bellwether county becomes the epicenter of the midterm paritisan struggle across Texas. Yet another death happens in the Tarrant County Jail, even as Sheriff Bill Waybourne is lauded with a plaque. And a Tarrant GOP nominee for the State House is being pressure to resign from leading a charter school board over her own racist social media posts.Associated Press: https://abcnews.com/Politics/wireStory/plan-cut-number-polling-sites-major-texas-county-136078582Democracy Docket: https://www.democracydocket.com/news-alerts/a-deliberate-barrier-texas-battleground-county-cuts-30-of-midterm-voting-locations/KERA Dallas: https://www.keranews.org/news/2026-09-01/tarrant-county-residents-rally-to-protest-jail-deaths-days-after-woman-dies-in-custodyFort Worth Star-Telegram: https://www.star-telegram.com/news/local/education/article317080564.htmlThe election approaches! Confirm your registration and make your voting plan NOW at GoVoteTexas.org. And see a handy ballot customizable to your home address from the Texas Tribune at https://apps.texastribune.org/features/2026/texas-general-election-ballot-november-2026/.Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org.
Real Estate Investor Dad Podcast ( Investing / Investment in Canada )
Your Tenant Is Running a Business From Your Rental. Now What? Your tenant starts operating a business from your rental property. Do you care? Maybe not. But your condo corporation, municipality, lease agreement and insurance company might. In today's episode of the Canadian Real Estate Investing Morning Show, Wayne and Gabby break down a real situation happening inside their own rental portfolio after a condo corporation discovered that one of their tenants was advertising childcare services from the property. The tenant may simply have been trying to earn some additional income. From Wayne's perspective, that alone is not the problem. The problem is what that business could potentially do to the risk and liability attached to the property. Customers entering the rental. Children being cared for inside. Additional traffic and parking. Increased wear and tear. Business equipment or inventory. Potential injuries. And most importantly: What happens to your landlord insurance policy if the property is being used for something your insurer never agreed to cover? This is the kind of boring property-management system that becomes extremely important the day something goes wrong. What You'll Learn What happened when Wayne and Gabby discovered a tenant advertising childcare from their rental Why the condo corporation became involved Whether landlords should automatically prohibit every home-based business The difference between working from home and operating a customer-facing business Why customer traffic may dramatically change the risk How a business can create parking issues in a condominium Why certain businesses may increase wear and tear Why condo bylaws matter even if the landlord personally approves of the business Why municipal permission does not necessarily override condo bylaws Why Wayne recommends prohibiting businesses by default in the lease How landlords can later approve specific activities individually Why landlord insurance is based partly on the property's intended use How business activity could change coverage, exclusions, deductibles or premiums Why the tenant may need separate business liability insurance Whether the landlord may need to be added as an additional insured Why you should get insurance approval in writing Why landlords should confirm the facts before confronting a tenant How Wayne and Gabby communicated with their tenant Why simply sending an email is not the end of the process How landlords can verify compliance Why a property manager does not eliminate the owner's responsibility Why regular inspections and systems still matter even with professional management Why Wayne Doesn't Obsess Over Daily Real Estate News Wayne starts today's episode responding to a listener who complained that the Morning Show does not spend enough time discussing inflation, trade negotiations, interest-rate predictions and daily real estate-market news. His response is that most of that information has very little impact on how he operates a properly structured long-term rental portfolio. Wayne's strategy is not built around predicting what property values will do next month. It is built around buying properties capable of surviving 20 years or more. That means strong cash flow, strong returns without relying on appreciation, strong tenant demand, the right landlord environment, promising long-term market fundamentals and systems capable of protecting the investment when something inevitably goes wrong. Wayne does pay attention to market information when it could influence an actual decision. Should he buy? Sell? Refinance? Take equity out? Change financing strategy? Those forecasts matter because they affect the operation of the business. But endlessly predicting whether values will move slightly up or down is not the foundation of his investing strategy. Long-Term Investors Need Systems This leads directly into today's primary topic. If you are planning to own a property for 20 years, you need systems for situations that may only happen once or twice during that ownership period. A tenant operating a business from the property is one of those situations. The probability may be relatively low. The consequences could still be significant. And Wayne's philosophy is that the investor should have the system before the problem appears. The Real Situation: A Tenant Advertising Childcare Wayne and Gabby recently received an email from the manager of one of their condominium corporations. Someone had discovered a social-media advertisement from their tenant offering childcare or day-home services from the rental property. The condo corporation provided Wayne and Gabby with a screenshot of the advertisement, the applicable condominium bylaw and a request that the activity stop. The condo bylaws prohibited this type of commercial activity from the townhouse. Wayne's personal reaction was not: "How dare our tenant make money?" Quite the opposite. If the tenant can earn additional income, that may improve their financial situation and ability to pay rent. The problem is that Wayne's personal opinion does not override the condo bylaws. And even without the condo restriction, there would still be several other issues to investigate. Working From Home Is Not Necessarily the Same Thing A home-based business can mean many different things. Someone working remotely on a laptop is obviously different from operating a daycare. Someone selling T-shirts online and shipping them through the mail is different from running a salon with customers coming through the door every hour. Gabby says one of the most important dividing lines is often: Are customers attending the property? Once customers begin arriving, the potential liability changes. That can also affect parking, neighbours and common-property usage in a condominium. A childcare business creates another level of concern because multiple children may be on the property for extended periods. Increased Wear and Tear Insurance is not the only concern. Different businesses can also affect the physical property. Consider customer traffic, equipment, furniture, inventory, frequent use of entrances, additional plumbing or electrical usage and changes made to rooms to accommodate the business. The question becomes: How is this business changing the way my rental property is being used? That matters to both the landlord and insurer. Check the Condo Bylaws For condominium properties, this is one of the first checks. A tenant must comply with the condominium corporation's bylaws. A landlord cannot simply tell the tenant: "I'm okay with it." If the activity violates the condo bylaws, the landlord's permission does not solve the problem. That is exactly what happened in Wayne and Gabby's situation. The activity was prohibited under the condo bylaws, so it could not continue. Check Municipal Requirements If the property is not governed by restrictive condo bylaws, or if the bylaws permit the activity, the next question is whether the municipality allows it. Some businesses may require licensing, permits, specific zoning, parking requirements, occupancy restrictions or other approvals. However, municipal approval does not automatically mean the landlord or condo corporation must allow it. There can be multiple layers of requirements. Put It in the Lease Wayne recommends that landlords address home-based businesses directly in the lease. His preferred default is: No business activity without landlord approval. That does not mean the landlord can never approve one. It means the tenant must first ask. The landlord can then investigate: What exactly is the business? Will customers attend? Is it permitted by the municipality? Is it permitted by the condo corporation? Does it affect insurance? Is additional coverage required? Once those questions are answered, the landlord can make an informed decision. Leaving the lease silent creates unnecessary ambiguity. The Biggest Issue: Insurance This is where today's episode becomes especially important. A landlord insurance policy is written based on the expected use of the property. The insurer believes it is insuring a residential rental. If that rental begins functioning partly as a commercial operation, the risk may change. That could affect policy eligibility, liability coverage, premiums, deductibles, exclusions or required coverage. Wayne uses the example of someone operating a hair business. Imagine a customer gets injured. Or a hot styling tool causes a fire. The insurer investigates the loss and discovers that a commercial hair operation was being run from a property insured simply as a residential rental. That is not something Wayne wants to discover after the claim. Questions to Ask Your Insurance Broker If you are considering allowing a tenant to run a business from your rental, Wayne and Gabby recommend speaking directly with your insurance broker. Ask: Does my landlord policy permit this specific activity? Does customer traffic change my coverage? Does childcare change the coverage? Does business equipment or inventory change anything? Does the tenant require separate commercial liability insurance? Should the landlord be added as an additional insured? Are there new limits, exclusions or deductibles? Can the insurer confirm its approval in writing? That last question matters. A phone conversation with a broker is useful. Written confirmation is much better. Don't Accuse the Tenant Before Confirming the Facts Gabby emphasizes another important part of the process. Just because somebody tells you that your tenant is running a business does not automatically make it true. Verify first. Ask for evidence. Review the advertisement. Review the condo bylaws. Confirm what the tenant is actually doing. Check municipal requirements. Speak with your insurer. Then communicate with the tenant. In Wayne and Gabby's situation, they already had screenshots of the advertisement and the applicable condominium rule. That gave them enough information to address it properly. How Wayne and Gabby Addressed the Tenant Their assistant sent the tenant a professional written message. The tone was not aggressive. They acknowledged that the tenant may not have realized the activity would create an issue. They explained that the childcare services were contrary to the condominium bylaws and their lease agreement. They asked the tenant to discontinue providing the services from the property. And they invited the tenant to respond if there had been a misunderstanding. That is a much better approach than immediately sending an angry threat. Get the facts. Explain the issue. Put it in writing. Don't Stop at the Email Sending the email does not finish the process. The landlord still needs to verify compliance. That may mean a follow-up. It may mean an inspection with proper notice. It may mean monitoring whether the activity continues to be advertised. The important part is having a documented process rather than simply assuming: "I told them to stop, so I'm sure they stopped." Property Managers Don't Remove Your Responsibility Wayne finishes with an important warning for investors using property managers. Hiring a property manager does not mean you should completely stop paying attention. A tenant could pay rent on time, have excellent credit, never complain, remain in the property for five years and still be operating an activity that creates significant liability. If nobody ever checks the property, how would you know? Wayne is not criticizing property managers. His point is that the risk ultimately belongs to the property owner. If something goes wrong, ignorance does not automatically protect you. You need systems that ensure these issues are actually being checked. The Main Lesson Home-based businesses are not automatically bad. Some may create almost no meaningful additional risk. Others can fundamentally change how the property is being used. The landlord's job is not to make assumptions. The landlord's job is to investigate. Check the lease. Check the condo bylaws. Check municipal requirements. Check the insurance. Confirm the facts. Communicate in writing. Verify compliance. That may not be as exciting as predicting next month's interest-rate decision. But these are the systems that help you keep a rental property profitable and protected for 20 years. And that is where long-term real estate wealth is actually built. About Your Hosts Wayne and Gabby Hillier are Canadian real estate investors, entrepreneurs and founders of REI Masters. Through the Canadian Real Estate Investing Morning Show, they provide practical education, free coaching and lessons from operating their own Canadian rental-property portfolio. Resources & Contact Send Your Questions to the Show Have a question about tenants, insurance, property management, buying rental properties or building your portfolio? Wayne and Gabby answer investor questions on the Morning Show.
Join Jim Tatti and Frank Corrado for Hour 1 on OverDrive! TSN Baseball Insider Steve Phillips joins to discuss the Blue Jays and Guardians' series, Toronto's pitching depth and Ketel Marte's reception with the Diamondbacks. They go around the sports world in the latest edition of Confirm or Deny and the Maple Leafs' outlook entering the season.
After a raucous protest delayed their plans weeks back, the GOP-dominated Tarrant County Commissioner's Court is set to vote again this morning at 10 on a plan that still significantly reduces polling locations in minority areas. An impasse between Governor Abbott and RFK Jr. begins costing Texas $27 million per day in federal funding as of today, while our backlogs on SNAP and Medicaid applications have grown by exponential factors. And some clarity on the voter suspense list: being on it doesn't disqualify you from voting, but is cause for concern and immediate action.Fort Worth Star Telegram: https://www.star-telegram.com/news/politics-government/article317066909.htmlCommon Dreams: https://www.commondreams.org/news/texas-closing-polling-placesKERA on Tarrant vote: https://fortworthreport.org/2026/08/31/talarico-simmons-speak-against-proposal-to-cut-almost-a-third-of-tarrant-county-voting-sites/Texas Tribune: https://fortworthreport.org/2026/08/31/talarico-simmons-speak-against-proposal-to-cut-almost-a-third-of-tarrant-county-voting-sites/KERA on Medicaid backlog: https://www.keranews.org/health-wellness/2026-09-01/texas-medicaid-snap-food-stamps-applications-backlog-grows-hhsc-data-texans-care-for-childrenVoteBeat: https://www.votebeat.org/texas/2026/08/31/voter-suspense-list-registration-canceled-confirm-address/The election approaches! Confirm your registration and make your voting plan NOW at GoVoteTexas.org. And see a handy ballot customizable to your home address from the Texas Tribune at https://apps.texastribune.org/features/2026/texas-general-election-ballot-november-2026/.Check out the Substack version of the Daily Dispatch, which delivers each pod to your inbox and frequently includes extra video goodies: https://substack.com/@progresstexasProgress Texas is now part of the lineups at KPFT-FM in Houston, Empower House Radio in San Antonio, and KZSM True Community Radio in San Marcos! Make a tax-deductible contribution to our radio initiative HERE.Find our web store and other ways to support our important work at https://progresstexas.org.
The Christian faith high, big-picture ideas like our election and calling. It also includes more detailed things like everyday obedience. In this passage, Peter wants these things united together in a Christian's life. For that reason, Peter doesn't just talk about election and calling as concepts, but calls on us to confirm them in our lives personally. This sermon explains how.
⚖️ How to Make Sure Your Divorce Paperwork Is Correct Before Filing | Los Angeles Divorce
Join Bryan Hayes and Frank Corrado for Hour 1 on OverDrive! They discuss Shane Bieber landing on the 15-day IL, the Blue Jays' large injury bug, Vladimir Guerrero Jr.'s ongoing cold stretch and Ja'Marr Chase's injury with the Bengals. Hayes and Frankie play Confirm or Deny delving into the PGA Tour, LIV Golf's top players, the Maple Leafs' award outlook, Auston Matthews' league ranking and Quinn Hughes' future with Minnesota.
Send us Fan MailIn-office lab is one of the most common ancillary additions practices consider, and one of the easiest to get expensively wrong. Part one of two: the framework that decides everything before you spend a dollar. What CLIA is. The Clinical Laboratory Improvement Amendments, passed in 1988 and administered by CMS, govern all lab testing on human specimens. Every test your practice runs on a patient sample requires a certificate. Which certificate you need depends on the complexity of the test, not on what you would like to do. The three categories. Waived tests are simple enough for FDA-approved over the counter use: strep, flu, COVID antigen, dipstick, glucose, pregnancy. A Certificate of Waiver runs about $150 every two years with no routine inspection, and the compliance standard is following the manufacturer's instructions exactly. Moderately complex covers CBC, CMP and UA with microscopy, and requires a designated lab director, documented competency, daily QC, proficiency testing and routine inspection. High complexity is hospital and reference lab territory. Getting certified. Confirm your exact analyzer model and test kit are on the CMS waived list, file Form CMS-116 with your state or MAC, expect two to four weeks and about $150, then build your policies and train your staff. Only then buy equipment. CLIA number first, equipment second. The four questions. What are you already referring out that you could run yourself? What does your patient population need at point of care? What is your payer mix for these test types? And do you have the staff capacity and the discipline for the compliance program? The strongest business case is for tests that change the same-day clinical decision. Three actions this week Pull your reference lab orders for the last 90 days and group them by test type. That list is your candidate menu, and it is real demand rather than a projection. Look up your exact analyzer model and test kit on the CMS waived test list at cms.gov before you take a single vendor call. Name who would own the compliance program, and ask them honestly whether they have the bandwidth to do daily QC consistently. Episode breakdown Segment 1: the CLIA framework and the three complexity categories Segment 2: what certification actually takes, waived and moderately complex Segment 3: the four questions that decide it for your practice Resources RECOVER Diagnostic eligibility.natrevmd.com/recover-quiz-lp Practice Financial Health Dashboard for Physicians eligibility.natrevmd.com/free-practice-financial-health-dashboard-for-physicians-natrevmd CMS waived test list cms.gov, searchable by test name and manufacturer CMS Form CMS-116, the CLIA application Trusted resources library natrevmd.com/trusted-resources/ Part 2: EP208, building the business case for in-office lab testing
In this hour, Adam Crowley and Dorin Dickerson react to Steelers' head coach Mike McCarthy recently addressing a published report that the team has already decided to keep all four of their current QBs. Also, Pirates insider Jason Mackey comes on The Fan Hotline. August 25, 2026, 9:00 Hour
TIME STAMPS:00:00:01 Community Guest Intros00:00:35 The Gaming Press Has ALL come to the defense of Playstation's Wolverine to a point where its NEVER been seen! Some are calling out the community for "Negativity" something they do ALL of the time! Let's discuss! 00:35:00 The Modern Warfare 4 Beta: What To Expect and Are You Hyped?00:50:00 BREAKING: XBOX Insiders CONFIRM A "Unexpected Sequel" *WILL* Be Announced At Gamescom!01:17:00 Panel Outros and Special Message to the Community!
Ken Carman and Anthony Lima bring in producer John to dig into whether Browns tight end Harold Fannin accidentally tipped the quarterback competition, referencing quarterback control in Todd Monken's offense in a way that could point to Deshaun Watson getting the nod. They break down the edited versus unedited clips to check if anything was misleading, then debate whether Fannin's comments about audible freedom actually signal anything about who wins the job. The two also weigh whether the quarterback battle even matters much longer given how often Shedeur Sanders is still expected to play this season.
Join Aaron Korolnek, Frank Corrado and Keegan Matheson for Hour 2 on OverDrive! Toronto Maple Leafs Forward Easton Cowan joins to discuss his role on the Maple Leafs, Toronto's additions and the excitement for the season. The guys go around the sports world in the latest edition of Confirm or Deny and Korolnek hands out his FanDuel Best Bets.
In today's episode, you'll discover: 1. Why Active Listening earns its own dedicated step in the ESP (Easy Sales Process) — it's not a soft skill; it's the engine of the whole process. 2. The 70/30 ratio: what it actually sounds like on a real call, and the three listening traps that quietly flip the ratio in reverse. 3. A simple in-call technique — the Reflect-and-Confirm — that proves to your prospect you were actually listening, not just waiting for your turn. To support these three takeaways, I chose a quote from Stephen R. Covey: "Most people do not listen with the intent to understand; they listen with the intent to reply." About Connie Whitman: Connie has a high-energy, passionate, heart-centered, and enthusiastic approach to sales, teaching, and coaching. Connie Whitman has been the CEO of Changing the Sales Game for 25+ years, helping business owners, leaders, and sales teams build powerhouse organizations. A three-time #1 International Best-Selling author of her book ESP (Easy Sales Process): 7-Steps to Sales Success, speaker, and podcast host, Connie's inspired teaching, transformational tools, and content ensure that business owners and salespeople grow their revenue streams by enhancing their communication skills. How to Get in Touch with Connie Whitman: Website: https://changingthesalesgame.com Email: Connie@changingthesalesgame.com Communication Style Assessment (CSA)™: https://www.assess.biz/assessments/assessment_entry.asp?m=1188&a=1177 Stalk me online! Linktr.ee: https://linktr.ee/conniewhitman Subscribe to the Changing the Sales Game Podcast on your favorite podcast streaming service or YouTube. New episodes are posted every week - listen as Connie delves into new sales and business topics or addresses problems you may have in your business.
Jim Edwards and Stew Smith discuss how to communicate with customers to avoid chargebacks, wasted time in customer service, and ultimately more returning customers by staying CALM! The CALM Sequence:1. Confirm the decisionSend this message immediately after purchase.Do more than say thank you. Name the decision they made and connect it to the result they want.Instead of:Your payment has been received.Try:You are officially registered. You just took the first step toward turning your scattered follow-up into a simple system that keeps customers engaged after they buy.Then state what happens next, when it happens, and where they should look.The customer should finish this email thinking, I know where I am, and I know what comes next.2. Activate a small winDo not make the customer wait until the event, course, or product arrives to feel progress.Give them something small and useful: a two-minute assessment, a checklist, a template, a single question to answer, or a setting to complete.The goal is not to bury them under bonuses.Give them one action that creates movement.A buyer who takes one meaningful step starts seeing the purchase as progress, not an expense.3. Lower uncertaintyAnswer the questions buyers may feel silly asking.When does it start? How long will it take? What should they prepare? What if they miss a session? Where do they log in? Who can help? What result should they expect first?Do not confuse mystery with anticipation. Mystery before a purchase can create curiosity. Mystery after a purchase creates support tickets and refunds.This is also the right place for a short story, testimonial, or behind-the-scenes note that shows how the experience works. Choose proof that reduces a specific fear, not applause that merely says you are wonderful.“This changed my life” is flattering.“I was worried I had no time, but the first lesson took 12 minutes and helped me fix my welcome email that afternoon” is useful.4. Move them toward commitmentBefore the main experience begins, ask the buyer to do something that signals participation.Add the event to their calendar. Reply with their biggest question. Introduce themselves in the group. Complete a short worksheet. Choose the result they want to leave with.Small commitments change the customer's role. They stop feeling like someone who spent money and start behaving like someone who joined something.That distinction matters.Check out the Facebook Group – Sales Copy and Content Marketing Hacks at https://www.facebook.com/groups/copywritingandcontenthacks and for more information on the wizards used to make outstanding sales copy check out https://www.CopyandContent.ai
Fill out the State of the Industry survey and get a free report card showing how your gym stacks up.Most gym owners either avoid the sales conversation altogether or waste an hour giving a tour without ever asking for the sale.In this episode of “Run a Profitable Gym,” Two-Brain Business CEO John Franklin and founder Chris Cooper break down the No-Sweat Intro: Two-Brain's proven consultative sales framework.They walk through it step by step using the COACH method: connect, open, amplify, confirm and help.Chris shares what makes a good (and a genuinely bad) sales environment, and the pair role-play a full No Sweat Intro from start to finish. They show exactly how to uncover a prospect's real goals, ask the right follow-up questions, and prescribe a solution with confidence.Tune in to see the entire consultative sales process in action, from the first hello to presenting the price.Use the link below to access the full Gym Sales Toolkit, including the No Sweat Intro script (word-for-word questions and phrasing for every step of the sales consultation).LinksState of the Industry SurveyGym Sales ToolkitGym Owners UnitedBook a Call0:00 - Why gym owners avoid asking for the sale3:28 - The framework behind every high-converting gym consultation4:16 - Set up your consultation area so prospects feel at ease6:56 - The worst sales office mistakes we've seen at 3,500 gyms7:46 - How to greet a prospect in the first 30 seconds8:50 - The question that reveals why a prospect really walked in11:08 - Why now matters more than what they want14:07 - Confirm what you heard before you talk price15:02 - Prescribe the plan and reveal the price17:42 - What happens when they say no
Ste is here reacting to the breaking news, with FSG confirming Jeff Bezos has invested into Liverpool Football Club, as part of a consortium led by Amit Bhatia. Hosted on Acast. See acast.com/privacy for more information.
Join Bryan Hayes and Frank Corrado for Hour 1 on OverDrive! They dive into the bizarre 'fourth out' play in the Blue Jays and Red Sox, the run counting in the game, the umpire's ruling from the league and Patrik Laine's potential fit with the Maple Leafs. The guys go around the sports world in the latest edition of Confirm or Deny and athletes wearing a microphone during an event.
Monday, August 10, 2026 GOP Confirms Worst AG Ever Royce White is a Grade A Ass Moxie Moment: https://www.instagram.com/reel/Dbv5hayM5-L/ Subscribe to the MSW YouTube Channel - MSW Media - YouTube Dr. Allison Gill - The Breakdown | Allison Gill, Mueller, She Wrote (@muellershewrote.com) — Bluesky, MSW & The Daily Beans Podcast (@muellershewrote) - Instagram, MSW Media - YouTube Dana Goldberg - @dgcomedy.bsky.social on Bluesky, Dana Goldberg (@dgcomedy) - Instagram, Dana Goldberg - Facebook, DanaGoldberg.com More from MSW Media - Shows - MSW Media, Cleanup On Aisle 45 pod, The Breakdown | Allison Gill Beans Talk is the video companion to The Daily Beans with Allison Gill and Dana Goldberg. Subscribe now to stay informed and entertained! Reminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:https://apple.co/3XNx7ckWant to support the show and get it ad-free and early?https://patreon.com/thedailybeanshttps://dailybeans.supercast.com/https://apple.co/3UKzKt0 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Dan is here to give his immediate reaction after Liverpool confirmed the signing of Ronald Araujo on a season-long loan deal from Barcelona. Hosted on Acast. See acast.com/privacy for more information.
In an episode we first ran back in 2014, we explore how a sunken nuclear submarine, a crazy billionaire, and a mechanical claw gave birth to a phrase that has hounded journalists and lawyers for 40 years and embodies the tension between the public's desire for transparency and the government's need to keep secrets. Whether it comes from government spokespeople or celebrity publicists, the phrase “can neither confirm nor deny” is the perfect non-denial denial. It's such a perfect deflection that it seems like it's been around forever, but reporter Julia Barton takes us back to the 1970s and the surprising origin story of what's now known as a “Glomar Response.” With help from David Sharp and Walt Logan, we tell the story of a clandestine CIA operation to lift a sunken Soviet submarine from the ocean floor and the dilemma they faced when the world found out about it. It's an episode we first released in 2014, but given some things in the news recently, it resonated with us again. In the 40 years since that operation, the Glomar Response has become boilerplate language from an array of government agencies. With help from ProPublica editor Jeff Larson and NPR's Dina Temple-Raston, we explore the implications of this ultimate information dodge. ACLU lawyer Jameel Jaffer explains how it stymies oversight, and we learn that, even 40 years later, governmental secrecy can be emotionally painful. More information about Glomar: After 40 years, many of the details of Project Azorian are only now coming to light. The US government's default position has been to keep as much of it classified as possible. It took three years for retired CIA employee David Sharp to get permission to publish his account of Project Azorian. And FOIA played an indirect role in that, as Cold War historians got the CIA to release, in redacted form, an internal history of the mission. After that and a threat of legal action, Sharp was finally able to publish his manuscript in 2012. We mentioned conspiracy theories that have swirled around Project Azorian filling the void where official silence has reigned. One of them is promulgated in the 2005 book “Red Star Rogue” by Kenneth Sewell and Clint Richmond. They posit that the K-129 was taken over by rogue Stalinist KGB agents in order to start a nuclear conflict. But the conflict was to be between the US and China, as, according to the authors, the sub had powers to disguise its sonic signature as a Chinese Navy vessel. This book is the basis of the 2013 drama “Phantom,” which features Ed Harris and David Duchovny as Soviet military officers who sip vodka in a very un-Russian way. Russian Naval historians, like Nikolai Cherkashin, are not only insulted by this take on the cause of the K-129's demise, they say the true cause is much easier to pinpoint: They say an American vessel, possibly the USS Swordfish, collided with the Soviet submarine. Despite the fact that the US government has turned over many documents about Project Azorian and what it found to the Russian government, many in the Russian Navy stand by their theory that it was far too easy for the US to locate the K-129 on the bottom of the Pacific, given the technology of the time. According to these theories, Project Azorian was nothing more than an elaborate cover-up disguised as ... an elaborate cover-up. We can neither confirm nor deny that we exactly understand how that would have worked in practice or execution. It's one of the more solemn moments of the Cold War, and one that the Glomar Response helped keep a secret for a very long time.LATERAL CUTS:What Lies Beneath (https://radiolab.org/podcast/what-lies-beneath) EPISODE CREDITS: Reported by - Julia Barton Sign up for our newsletter!! It includes short essays, recommendations, and details about other ways to interact with the show. Signup (https://radiolab.org/newsletter)! Radiolab is supported by listeners like you. Support Radiolab by becoming a member of The Lab (https://members.radiolab.org/) today. Follow our show on Instagram, Twitter and Facebook @radiolab, and share your thoughts with us by emailing radiolab@wnyc.org.Leadership support for Radiolab's science programming is provided by the Simons Foundation and the John Templeton Foundation. Foundational support for Radiolab was provided by the Alfred P. Sloan Foundation. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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