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Dr. Anthony Fauci appeared before the Senate Homeland Security and Governmental Affairs Committee, where Rand Paul and other Republicans were trying to trap him into statements they could use against him. The hearing was a political witch hunt and going on six years now.There is a broader anti-science movement in conservative politics, including opposition to gender-affirming care, abortion rights, vaccines, and public health guidance. There is also misinformation, snake-oil products, and claims made by social media influencers and some television ads that are more about profit over health of people.Trump's Religious Liberty Commission was sued for lack of diversity. Contrary to federal law, the commission was dominated by conservative Christians and evangelicals, with no representation from other faiths and atheists. The court dismissed the case by redefining what is meant by diversity.We look at the backlash to progressive and Democratic Socialist wins in some Democratic primaries recently. We hear examples of the criticism from establishment Democrats and media figures, and we argue that voters chose these candidates directly. We say the panic over the DSA is overstated and that Democrats should focus more on fighting Trump and less on attacking progressives.Full Show Notes & Links UsedSend us Fan MailSupport the showSubscribe to our free newsletterCheck out our MerchFollow us on BlueskyFind us on Twitter(for now) Find us on InstagramFind us on Counter SocialFind us on Mastadon
What do we expect God to do for us, between now and when the Lord Jesus returns for us? We often expect him to do one thing in our lives and yet he does another. Instead of always trying to interpret his providence in the present, we ought to be living faithfully for the future coming of his kingdom.
https://x.com/libsoftiktok/status/2081829049505055166 Former Democrat Delegate Himar Hernandez, who was just arrested for allegedly attempting to meet a minor for s*x, is also an employee at @IowaStateU @ISUExtension They just scrubbed his page GOP more trusted than Dems Two polls… Americans not buying what Democrats are selling on Iran The Iran war is polling POSITIVE for Trump. https://x.com/nytimes/status/2081163850829758543 Breaking News: A car plowed through a park during Berlin's biggest LGBTQ Pride event, killing at least one person and injuring more than a dozen others, city police officials said on Saturday. https://nyti.ms/3Rx0XDS Media reported that a car ran into pride parade folks in Berlin. It was a Muslim who did it. NO mention of that… Can we begin discussing Democrat woes by discussing Kamala Harris saying she will run again in 2028? Holy Mother of Schleprock! Could the Democrats get any worse news? Don't answer that, unless you already know that the answer is HECK YES! Kevin Jackson has been called, the "white-collar" Joe Rogan. Given their similar backgrounds in TV, comedy, and martial arts, it's easy to see why people enjoy Kevin's show so much. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In Beyond Hope: Rabbinic Eschatology of Late Antiquity in Comparative Perspective (Oxford UP, 2026) Jenny Labendz addresses distinct patterns within rabbinic eschatology that have been overlooked in scholarship and in Jewish thought. Contrary to what is usually expected of eschatology, this book demonstrates that the rabbis held a sustained eschatology of irresolution. While the rabbis occasionally waxed poetic along the lines of a perfected new world in the eschaton, a vast store of rabbinic texts depicts a deeply imperfect eschaton. This is the profound difference between rabbinic and early Christian eschatology.Despite its differences from the Christian doctrine of perfection, rabbinic eschatology aligns neatly with a different Christian concept, namely inaugurated eschatology. The eschaton is not only be hoped for in the future, but can be attained in the present. The best of all possible worlds has not yet been entirely actualized, but it has been inaugurated, in the rabbinic view by the exodus from slavery in Egypt, the revelation of the Torah at Sinai, and the construction of the Tabernacle in the wilderness. This is a paradigm shift for thinking about rabbinic eschatology, which rejects the dogmas and binaries that generations of scholars have taken for granted. In this new book, Jenny Labendz explores the relationship between this world and the best possible world, the limits of that best possible world, and asks a crucially grounding question--what are we talking about when we're talking about the end of the world? Interviewee: Jenny R. Labendz received her PhD from the Jewish Theological Seminary in 2010 and was Associate Professor of Religious Studies at St. Francis College until 2025. She is also the author of Socratic Torah: Non-Jews in Rabbinic Intellectual Culture, published by Oxford University Press in 2013. Host: Schneur Zalman Newfield is an Associate Professor of Sociology and Jewish Studies at Hunter College, City University of New York, and the author of Brooklyn Odyssey: My Journey out of Hasidism and Degrees of Separation: Identity Formation While Leaving Ultra-Orthodox Judaism. Visit him online at ZalmanNewfield.com. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network
In Beyond Hope: Rabbinic Eschatology of Late Antiquity in Comparative Perspective (Oxford UP, 2026) Jenny Labendz addresses distinct patterns within rabbinic eschatology that have been overlooked in scholarship and in Jewish thought. Contrary to what is usually expected of eschatology, this book demonstrates that the rabbis held a sustained eschatology of irresolution. While the rabbis occasionally waxed poetic along the lines of a perfected new world in the eschaton, a vast store of rabbinic texts depicts a deeply imperfect eschaton. This is the profound difference between rabbinic and early Christian eschatology.Despite its differences from the Christian doctrine of perfection, rabbinic eschatology aligns neatly with a different Christian concept, namely inaugurated eschatology. The eschaton is not only be hoped for in the future, but can be attained in the present. The best of all possible worlds has not yet been entirely actualized, but it has been inaugurated, in the rabbinic view by the exodus from slavery in Egypt, the revelation of the Torah at Sinai, and the construction of the Tabernacle in the wilderness. This is a paradigm shift for thinking about rabbinic eschatology, which rejects the dogmas and binaries that generations of scholars have taken for granted. In this new book, Jenny Labendz explores the relationship between this world and the best possible world, the limits of that best possible world, and asks a crucially grounding question--what are we talking about when we're talking about the end of the world? Interviewee: Jenny R. Labendz received her PhD from the Jewish Theological Seminary in 2010 and was Associate Professor of Religious Studies at St. Francis College until 2025. She is also the author of Socratic Torah: Non-Jews in Rabbinic Intellectual Culture, published by Oxford University Press in 2013. Host: Schneur Zalman Newfield is an Associate Professor of Sociology and Jewish Studies at Hunter College, City University of New York, and the author of Brooklyn Odyssey: My Journey out of Hasidism and Degrees of Separation: Identity Formation While Leaving Ultra-Orthodox Judaism. Visit him online at ZalmanNewfield.com. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/jewish-studies
In Beyond Hope: Rabbinic Eschatology of Late Antiquity in Comparative Perspective (Oxford UP, 2026) Jenny Labendz addresses distinct patterns within rabbinic eschatology that have been overlooked in scholarship and in Jewish thought. Contrary to what is usually expected of eschatology, this book demonstrates that the rabbis held a sustained eschatology of irresolution. While the rabbis occasionally waxed poetic along the lines of a perfected new world in the eschaton, a vast store of rabbinic texts depicts a deeply imperfect eschaton. This is the profound difference between rabbinic and early Christian eschatology.Despite its differences from the Christian doctrine of perfection, rabbinic eschatology aligns neatly with a different Christian concept, namely inaugurated eschatology. The eschaton is not only be hoped for in the future, but can be attained in the present. The best of all possible worlds has not yet been entirely actualized, but it has been inaugurated, in the rabbinic view by the exodus from slavery in Egypt, the revelation of the Torah at Sinai, and the construction of the Tabernacle in the wilderness. This is a paradigm shift for thinking about rabbinic eschatology, which rejects the dogmas and binaries that generations of scholars have taken for granted. In this new book, Jenny Labendz explores the relationship between this world and the best possible world, the limits of that best possible world, and asks a crucially grounding question--what are we talking about when we're talking about the end of the world? Interviewee: Jenny R. Labendz received her PhD from the Jewish Theological Seminary in 2010 and was Associate Professor of Religious Studies at St. Francis College until 2025. She is also the author of Socratic Torah: Non-Jews in Rabbinic Intellectual Culture, published by Oxford University Press in 2013. Host: Schneur Zalman Newfield is an Associate Professor of Sociology and Jewish Studies at Hunter College, City University of New York, and the author of Brooklyn Odyssey: My Journey out of Hasidism and Degrees of Separation: Identity Formation While Leaving Ultra-Orthodox Judaism. Visit him online at ZalmanNewfield.com. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/religion
In Beyond Hope: Rabbinic Eschatology of Late Antiquity in Comparative Perspective (Oxford UP, 2026) Jenny Labendz addresses distinct patterns within rabbinic eschatology that have been overlooked in scholarship and in Jewish thought. Contrary to what is usually expected of eschatology, this book demonstrates that the rabbis held a sustained eschatology of irresolution. While the rabbis occasionally waxed poetic along the lines of a perfected new world in the eschaton, a vast store of rabbinic texts depicts a deeply imperfect eschaton. This is the profound difference between rabbinic and early Christian eschatology.Despite its differences from the Christian doctrine of perfection, rabbinic eschatology aligns neatly with a different Christian concept, namely inaugurated eschatology. The eschaton is not only be hoped for in the future, but can be attained in the present. The best of all possible worlds has not yet been entirely actualized, but it has been inaugurated, in the rabbinic view by the exodus from slavery in Egypt, the revelation of the Torah at Sinai, and the construction of the Tabernacle in the wilderness. This is a paradigm shift for thinking about rabbinic eschatology, which rejects the dogmas and binaries that generations of scholars have taken for granted. In this new book, Jenny Labendz explores the relationship between this world and the best possible world, the limits of that best possible world, and asks a crucially grounding question--what are we talking about when we're talking about the end of the world? Interviewee: Jenny R. Labendz received her PhD from the Jewish Theological Seminary in 2010 and was Associate Professor of Religious Studies at St. Francis College until 2025. She is also the author of Socratic Torah: Non-Jews in Rabbinic Intellectual Culture, published by Oxford University Press in 2013. Host: Schneur Zalman Newfield is an Associate Professor of Sociology and Jewish Studies at Hunter College, City University of New York, and the author of Brooklyn Odyssey: My Journey out of Hasidism and Degrees of Separation: Identity Formation While Leaving Ultra-Orthodox Judaism. Visit him online at ZalmanNewfield.com. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/biblical-studies
In Beyond Hope: Rabbinic Eschatology of Late Antiquity in Comparative Perspective (Oxford UP, 2026) Jenny Labendz addresses distinct patterns within rabbinic eschatology that have been overlooked in scholarship and in Jewish thought. Contrary to what is usually expected of eschatology, this book demonstrates that the rabbis held a sustained eschatology of irresolution. While the rabbis occasionally waxed poetic along the lines of a perfected new world in the eschaton, a vast store of rabbinic texts depicts a deeply imperfect eschaton. This is the profound difference between rabbinic and early Christian eschatology.Despite its differences from the Christian doctrine of perfection, rabbinic eschatology aligns neatly with a different Christian concept, namely inaugurated eschatology. The eschaton is not only be hoped for in the future, but can be attained in the present. The best of all possible worlds has not yet been entirely actualized, but it has been inaugurated, in the rabbinic view by the exodus from slavery in Egypt, the revelation of the Torah at Sinai, and the construction of the Tabernacle in the wilderness. This is a paradigm shift for thinking about rabbinic eschatology, which rejects the dogmas and binaries that generations of scholars have taken for granted. In this new book, Jenny Labendz explores the relationship between this world and the best possible world, the limits of that best possible world, and asks a crucially grounding question--what are we talking about when we're talking about the end of the world? Interviewee: Jenny R. Labendz received her PhD from the Jewish Theological Seminary in 2010 and was Associate Professor of Religious Studies at St. Francis College until 2025. She is also the author of Socratic Torah: Non-Jews in Rabbinic Intellectual Culture, published by Oxford University Press in 2013. Host: Schneur Zalman Newfield is an Associate Professor of Sociology and Jewish Studies at Hunter College, City University of New York, and the author of Brooklyn Odyssey: My Journey out of Hasidism and Degrees of Separation: Identity Formation While Leaving Ultra-Orthodox Judaism. Visit him online at ZalmanNewfield.com. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/christian-studies
In Beyond Hope: Rabbinic Eschatology of Late Antiquity in Comparative Perspective (Oxford UP, 2026) Jenny Labendz addresses distinct patterns within rabbinic eschatology that have been overlooked in scholarship and in Jewish thought. Contrary to what is usually expected of eschatology, this book demonstrates that the rabbis held a sustained eschatology of irresolution. While the rabbis occasionally waxed poetic along the lines of a perfected new world in the eschaton, a vast store of rabbinic texts depicts a deeply imperfect eschaton. This is the profound difference between rabbinic and early Christian eschatology.Despite its differences from the Christian doctrine of perfection, rabbinic eschatology aligns neatly with a different Christian concept, namely inaugurated eschatology. The eschaton is not only be hoped for in the future, but can be attained in the present. The best of all possible worlds has not yet been entirely actualized, but it has been inaugurated, in the rabbinic view by the exodus from slavery in Egypt, the revelation of the Torah at Sinai, and the construction of the Tabernacle in the wilderness. This is a paradigm shift for thinking about rabbinic eschatology, which rejects the dogmas and binaries that generations of scholars have taken for granted. In this new book, Jenny Labendz explores the relationship between this world and the best possible world, the limits of that best possible world, and asks a crucially grounding question--what are we talking about when we're talking about the end of the world? Interviewee: Jenny R. Labendz received her PhD from the Jewish Theological Seminary in 2010 and was Associate Professor of Religious Studies at St. Francis College until 2025. She is also the author of Socratic Torah: Non-Jews in Rabbinic Intellectual Culture, published by Oxford University Press in 2013. Host: Schneur Zalman Newfield is an Associate Professor of Sociology and Jewish Studies at Hunter College, City University of New York, and the author of Brooklyn Odyssey: My Journey out of Hasidism and Degrees of Separation: Identity Formation While Leaving Ultra-Orthodox Judaism. Visit him online at ZalmanNewfield.com.
Keith welcomes back Todd Drowlette, star of A&E's The Real Estate Commission, to help demystify commercial real estate for residential investors. They explore which sectors are most resilient to disruption from AI, automation, and Amazon, why certain office and warehouse assets still work, and how service-based retail like nail salons and quick-service restaurants can offer durable returns. Todd breaks down the basics and advantages of triple net (NNN) leases, key considerations in office-to-residential conversions, and how rising interest rates are reshaping commercial deals. He also shares negotiation tactics from large commercial transactions that investors can immediately apply to their next rental property purchase. Episode Page: GetRichEducation.com/616 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text FAMILY to 66866 Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 Welcome to GRE. I'm your host Keith Weinhold. We're talking with the star of the A&E show, the Real Estate Commission today. What real estate sectors are safe from AI, robots, and Amazon disruption? How many deals on the commercial side are still going to implode due to mortgage rates resetting higher? And some of the best negotiation techniques from $100 million deals that you can use in your own deals, and more today on Get Rich Education. You know, Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach. For nine years now, their CEO Terry Kerr and his COO Pat Nix have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners, his name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one-on-one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to DanielThomashHind.com. H-I-N-D. That's DanielThomashHind.com and sign up before spots fill. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056 They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com. Speaker 1 2:19 You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education. Keith Weinhold 2:35 Welcome to GRE from Peoria, Illinois to Peoria, Arizona, and across 188 world nations. I'm Keith Weinhold, and you're listening to Get Rich Education. Though we're a show centered on how to build wealth through residential real estate investing, today we're talking mostly about the commercial side with a guest that's more comfortable investing in commercial real estate than he is residential. We'll learn why. He is the star of the new real estate show called the Real Estate Commission that airs on A&E Network. Todd Drowlette, because he was here with us last year shortly before the show debuted, and he had so many interesting things to tell us then. That's why he's back. Now we know that residential real estate is positioned well at surviving the boom in artificial intelligence's influence because everybody still needs a place to live. You can't download a kitchen or living room, and a chatbot can't replace a roof. But some types of commercial real estate are vulnerable to AI. I'm going to ask Todd which types and businesses are the most resilient to survive AI, robots, and Amazon, because there surely are some. He does a good job of making commercial real estate approachable to those that have never invested in it before. Keith Weinhold 3:59 Contrary to the narrative, he also likes to talk about why office real estate is not dead. Occupying both worlds, I will ask him about office to residential conversions and also get his take on what is happening with commercial loans because apartment investors have been feeling the pain ever since mortgage rates doubled and nearly tripled in 2022. I'll ask about commercial loans blowing up and just how much more of that is expected to happen because the pain is certainly not over there. Let's meet this week's guest. A series on A and E Television and streaming launched last year called The Real Estate Commission, and it's going well enough that it's gearing up for season two. The star of that show is with us today. He was with us last year just before the show debuted, and that's when he shared all kinds of interesting insights with us, like why. A gas station is on a certain side of the road. He's perhaps the most prolific commercial real estate broker in the nation. He's managing director at Titan Commercial Realty Group in New York, closing deals totaling over $2 billion all across commercial real estate sectors. He's represented everyone from local startups to national reits. Hey, welcome back to Get Rich Education, Todd Drowlette. Todd Drowlette 5:26 Thank you so much for having me back. I appreciate it. It's always great to talk to you. Keith Weinhold 5:30 Yeah, same. It was so interesting when you were here last year, and I do want to ask you about how it's going with the A and E show later. Most of our listeners own single family rentals or small multifamily, and I think the commercial side, Todd. Frankly, it it intimidates some people. I know I've thought of it that way before. What are some of the misconceptions that the residential side seems to have about the commercial side? Todd Drowlette 5:56 So a big misconception is that you have to be smart to do it. You certainly do not. A lot of people also think you have to already be a multimillionaire to do it, right? So the same way with residential, there's levels to it. There's levels to commercial real estate. So I say there's pros and cons, right? So in commercial real estate, if you have an office building or a shopping center or a ground lease, you rent to a McDonald's, whatever. You don't get phone calls at two in the morning saying my hot water tank just exploded, my furnace isn't working. So you still get property management calls, but they're typically from you know Monday through Friday, nine to five type of thing, and you don't need millions of dollars. People think you do. It's like you can buy a small two or three tenant office building or a two or three tenant retail shopping center, maybe something has a nail salon, hair salon in it. Depending on the market you're in, that could be a couple $100,000 to buy. If you're in a tertiary town in the United States, if you're in a major metro, it could be a million, 2 million bucks. But the rent is commiserate with what you're paying. So if you can make an 8 or 10% return, a lot of banks will finance startup people as long they're looking in commercial at the quality of the tenant and what the lease is. So you could have no experience, but if you're going to rent to a Hertz rental car, a Starbucks, a McDonald's, even if you personally have like say a 750 credit score, it's decent. It's not a perfect credit score, but you're financeable. They're lending in commercial real estate based on the credit and the length of the leases, not necessarily on your own financials. And a lot of people don't realize that, and they think, "Oh, bank's never going to approve me because I've never done commercial real estate before. Well, nobody's ever done anything until they do it, right? So as long as you start small, banks will lend to people, you know, on smaller things, there's a ton of pros to being in commercial real estate compared to residential. There's less competition. It's easier to repeat deals because once you know one tenant's looking for something, then you can find the next thing they're looking for, and it's a small knit group. You know, if there's 3 million real estate agents in the United States, I would say across the entire country, maybe 10,000 of us are commercial real estate agents. Keith Weinhold 8:05 Yeah. Todd Drowlette 8:06 So if you get into commercial, once you get into that network of people with a deal with the tenants and the whatever, you know, if you're in, you're in. If you're out, you're out. That was a very long answer to a very short question. Keith Weinhold 8:16 Well, some people even have one of the same hangups about residential real estate investing-they think just to buy income property takes an awful lot of money, not realizing you can start with a single-family home of less than 300k or even less than 200k still today and make a small down payment on it. And you know, Todd, I think one thing that refines commercial real estate for some people and piques interest among residential investors is one of the first things that they learn when they're finding out about commercial real estate investing is the triple net lease. Oftentimes, you see that abbreviated NNN out there, and how that can make things somewhat more hands off for that commercial real estate investor. So, can you tell us about triple net leases? Todd Drowlette 9:00 I sure can. Number one, the funny thing about triple net leases: none of the three things the N's represent start with an N. So your triple nets are literally your real estate taxes, your insurance, and your commonary maintenance. None of which start with an N. Yet it's called N N N. Keith Weinhold 9:14 It's kind of like reading, writing, and arithmetic. The 3r is what only one of them starts with an R. It's a terrible acronym, but yes. Todd Drowlette 9:22 Exactly. So there's different types of triple net properties. So essentially, a triple net property, unlike most residential, where you're responsible, you get X amount of rent, and then out of that rent for your income, you're going to subtract out your school tax, your property tax, your property insurance, liability insurance, you know, snow plowing, lawn mowing, all that type of stuff, right? So triple net properties, you have absolute net properties, which is the best thing you can own from a landlord's perspective. Those are things that are called absolute ground leases or an absolute net lease. Typically, you'll see those in like many gas stations. Will be that a lot of McDonald's. Deals are that where essentially you own a piece of property, you buy a piece of property, and you go here. You have X amount of time to put your building up, do construction, get your approvals. You're going to pay me X per month in a ground rent. You build your own building, you own your own building, you're responsible for it, and I just own the dirt. And those are typically 10 to 20 year leases with options. The downside of a triple net ground lease is you can't depreciate anything because it's just ground, right? So you don't get the depreciation you get with other properties, but you have no risk other than the credit of the tenant. So if you're signing a lease with the United States Postal Service and it's the federal government, you know you're getting that. Those will trade typically about one percentage point higher than U.S. Treasuries because there's very, very little risk in it. But there is some risk, so as an investor, you need a little bit better return than the guarantee of a U.S. Treasury. Todd Drowlette 10:54 Then you have roof and structure triple net properties, where basically, okay, the roof and the structure I'm responsible for as the landlord. Anything inside of that, or you're responsible for, and then the tenants pay the proportionate share of, like I said, the taxes, the snow plowing, whatever. If that's a multi-tenant building, then you run the risk. Oh, tenant moves out as the landlord, you got to pick up that percentage. If if you have a 10,000 foot building and someone's in 2000 feet and they move out, well, now you're responsible for 20% of that tax and CAM and insurance bill until you replace it with a new tenant. But typically, if you're investing in small strip centers, smaller office buildings, which people say office is dead, I've made a fortune in office. Office is not dead. You just have to own the right office in the right place. A lot of downtown offices are dead, where they're moving to the suburbs for drugs and a lot of other issues. But typically, you know, strip centers today, people are buying those for 8% returns to as much as 10, 12% and a lot of times they're vacancy. That's upside you can add into it as well. But again, these are all things that you can get into for a couple $100,000 down, and there's way more room for error than people think there is. As long as you have a professional that's looking at the lease for you before you buy it, you know you just want to make sure the guarantee is on the lease that you have corporate guarantees. But typically, if a bank will finance it, they're also looking at that. But it's not as scary as people think it is, and it's really a strong alternative to investing in single-family homes. Not that I'm knocking single-family homes. There's pros and cons to literally everything you do in life, as you know. 100. Keith Weinhold 12:28 A triple net lease, where in commercial property the tenant covers three main expenses or nets: property taxes, insurance, and the maintenance and repairs. And in a lot of the situations, like Todd is describing, that really leaves landlords responsible for little more than the mortgage, really increasing the passivity here. And you know, tenants that are willing to shoulder a triple net lease, I don't think of them as taking on those extra costs for nothing. I think about it is in exchange, tenants typically pay lower rent then, and the tenant also gets more control over the property in a triple net arrangement. Todd Drowlette 13:08 That's a generally safe thing to say, but I hate saying this. I can't believe I'm even saying this, but you know they say location, location, location. So it really depends on the market. The biggest mistake people make to go, oh, I get asked all the time, should I invest in land? I'm like, hell no, raw land. I go when I develop stuff, I have a use for it. Once I get the approvals, then I'll close and buy the land. Land banking stuff and just going and buying land and hoping it goes up in value. I have a number one rule that I always say to people, and it's anytime you can buy $1 for 50 cents, you buy it, but you don't buy property for $1 hoping it goes to $2 because there's no guarantee that that'll happen. In raw land, you know you have a guaranteed. You're paying taxes every year, so just paying taxes on something that's also not returning you anything is a terrible investment, in my opinion. You're speculating. If you want to speculate, just go to the casino, play roulette, pick black or red, and you have roughly a 50-50 shop minus the three greens, but there's a lot easier ways to make money than buying raw land. But shopping centers, triple net properties, there's definitely ways for people to get into that that are much lower risk, and they're not as scary as you'd think. And many banks will finance them. Keith Weinhold 14:18 Now, if you had to buy one commercial asset today, what would that be? I know that might depend on some factors, but generally, I've got to say, industrial comes to mind for me as one of the hottest commercial real estate asset classes in quite a while. Todd Drowlette 14:32 So I would pick two strategies. One would be high bay warehouse, whether it's specifically industrial or just warehouse, but things with high ceilings, open floor plans, like you know, a 20,000 foot warehouse, 30,000 feet, something in that range, that a lot of people want that type of use. Warehouse rents have been increasing way faster than office or retail rents have been in the same markets. And as things get more and more automated, you still need to ship stuff. You still need to. Stuff you still need to get things to people's houses, so with the whole AI boom and the crazy things that are happening, I think there's going to be a lot fewer people with jobs sooner than people realize. But I do think the warehouse is a good thing to be invested in, especially if it's on main streets. It could be retail, could be warehouse, could be whatever. The second thing I'll say that's very low risk are any businesses that Amazon can't compete with you for. So, a small strip center that's two or three tenants, that's a hair salon, a nail salon, service type business, retail tenants, because it's a turnover business. So, like nail salons, they're never going to come to your house and do your nails unless you're a billionaire, because they can make more money with people coming to them in back-to-back appointments. So any type of service business tenant that you can have, and typically nail salons, hair salons, they don't usually go out completely. Usually, if they don't want to do it anymore, they'll sell the business to somebody else, and you keep a tenant. From an ownership standpoint, there's very low turnover and having to pay new brokerage fees or do give tenant fit-ups or free rent to like get their business up and running. So I would either go high bay warehouse with loading docks like 18 foot, 20 foot or higher ceilings, open floor plans, overhead doors, 20, 30,000 square feet, or two or three tenant strip malls with high traffic counts, good suburban locations that have service type businesses. Those are your two. Would be very hard to lose as long as you don't overpay when you buy them. Keith Weinhold 16:25 This is such an interesting thing to say when you think about a resilient business, something that can't easily be disrupted by AI or Amazon, which something like a nail salon would fit into. Tell us about some of those other types that might fit into a small retail center that are resilient that way. Todd Drowlette 16:45 End caps, so any kind of like a Popeyes, a McDonald's, anything that's drive-through or food. Even you're starting to see, you know, the Tesla robots, and you're seeing more and more of that. However, people will still buy the food. So whether the employees are actually still in there, it's all robots. They still physically need a place that's close and convenient for people to drive to, or even the food delivery apps. Like a lot of the retail restaurants now are telling me 30, 40% of their orders are delivery through like Uber Eats and whatever. But those are great tenants to have because they're still making money, and as the world's changing, they're adapting. And I want tenants that adapt to the changing world. And honestly, they can afford to pay more. This is terrible. But from a strictly landlord perspective, the fewer employees they have, you don't have workers' comp claims, you don't have the insurance, you don't have all those things. The more you can afford to pay rent to landlords. So as the world's changing, those type of retail, small strip centers, end caps, fast food, QSR type food, quick serve retail. Those are definitely things that I would be considering if I was someone getting into this, and they're things that I also own. So I always recommend what I would do myself. Keith Weinhold 17:55 Right, and with that commercial tenant, if they're serving fast food, yes, it's not like their customer has to physically show up there at that business for that business to thrive. Todd Drowlette 18:06 And actually, if you have them as a tenant, because of the delivery, like with a drive-through, you're typically only working off one or two miles. But Uber Eats or these other meal services, they're now going out five, six, even seven miles in some places. So that actually means their sales could be higher. And another thing I didn't mention, but now I'm thinking, a lot of restaurant tenants will pay a percentage rent. So actually, as their sales go up, even though there's not more infrastructure, you know, strains from more customers coming in and out of your property, as they're doing the meal delivery, you're actually potentially be getting cut of that as a landlord with percentage rent, which is a thing that doesn't exist in residential real estate, obviously, there's multiple streams of income for triple net properties at times when you have percentage rent that doesn't exist in warehouse, where it's in retail. It doesn't exist in office, doesn't exist in warehouse, doesn't exist in residential. So that can be a nice bonus, and you see that with supermarkets, restaurants, different types of retailers pay percentage run. Keith Weinhold 19:05 Okay, so in a sense, Todd, we've been talking about going against the flow, if you will, in being in businesses that are resilient toward disruption from AI or Amazon. But while we're talking about industrial real estate, warehouses do come to mind for me soon afterward, I think generations ago maybe industrial had the connotation of a dirty factory. But today, when I think about warehouses, I think about Amazon fulfillment centers or AI data centers. So, what is the business like for investing in those sort of warehouse deals, and how do those deals even get put together for these warehouse types. Todd Drowlette 19:42 So you have two types. So you have people who do spec building. So there's guys that will go out and say, "Hey, I'm in the warehousing business, and they'll go through. They'll get approvals and they'll say they'll buy 10 acres, 20 acres, 30 acres, and they'll say, "Okay, we're going to." Put I'm making this up. 500,000 square feet of warehouse on this. They'll go get approved, but they basically will put up a spec building of 40,000 50,000 feet, and then they'll lease it. Depending how long it takes them to lease it, then they'll build the next one. Once you kind of have one building up, it's much easier to prelease. If you just have a piece of dirt and say, hey, I'm going to do a warehouse building here. Unless you have a direct in specifically with Amazon, and they're like, hey, we need to be in Skoda, New York, you know, at this exit within 10 miles of that. And it's like anything. Once you do something for someone once, they're working across the whole country. So if you're particularly good in a specific region as developer, they will often say, "Hey, find me a spot here, here, because they're in the business of getting open and running data centers. They don't care if you're making a profit on the real estate, and they're not set up to locally go through the approvals, know the politicians, know the process, that whole thing. So there's opportunities like that. If you don't know anyone from a hole in the wall, if you have a big piece of property and you start with whatever you're comfortable with to spec out a warehouse, 10,000 feet, 5000 feet. See how long it takes. Do you lease that in six months? Does it take three months? Does it take a year? And then you can kind of take some of the profits from that, either refinance, or if you have a construction loan, then build the next one, build the next one, and build the next one. You can kind of build out as the demand comes along. Keith Weinhold 21:22 You're listening to Get Rich Education. We're talking to the star of the A and E show, the Real Estate Commission, Todd Drowlette. So much when we come back. He's going to update us on what's happening with office to residential conversions, how much higher interest rate pain is still going to surface in some of these deals, and a negotiation tactic or two that you can use for your own residential deals. I'm your host Keith Weinhold. 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What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent, on-time investor payouts, they built real credibility. Todd Drowlette 24:15 Well, I'll tell you about some of the pitfalls, and I'll tell you the huge opportunities. If you have office buildings that are vacant, you know, particularly in downtown municipalities like in Albany, New York, you know, our state capital in New York. Politicians and the government right now are creating a lot of incentives to convert those, where they're putting up grant and giving away millions of dollars to private developers that you don't have to repay. So there's a huge opportunity to have people take on a lot of the risk for you to do it. Some of the pitfalls people get into are you want to pick the right office building to do it for. So you want to a make sure that that office building either has on site parking garages or on site parking because I've seen people try to do it and that. Downtowns where there's no parking, and you can put a lot of money in a building with no parking. And if you're not in New York City, where people are used to, and you're competing against suburban apartments, that's a tough sell. So that's number one. Number two, for whatever reason, people really want in office buildings and downtown settings floor-to-ceiling windows. So you really want to pick office buildings that already have floor-to-ceiling windows because it can be very expensive. If you get over three floors, it can be very expensive to cut out windows and make them larger. And another, this is a huge money potential pitfall if you're not careful. Many municipalities and states have different codes for elevators for residential buildings than they have for office. It makes no sense to me, but office buildings. It has to do with fitting the elevator has to be large enough that you can get a stretcher if someone had a heart attack and needed to be wheeled out. Ah, for some reason, residential buildings require larger elevators, and if your shaft isn't big enough and your car isn't big enough. You could have a million dollars or more of an unexpected expense to either make the shaft bigger. Some buildings you can't even do it. Keith Weinhold 26:08 Well, but if it was originally set up for- Todd Drowlette 26:09 It doesn't make any sense either. This is new. If you have an office building that's 30 stories tall, people could have heart attacks in the middle of the day at the office. So how is that any different than if they're at home in an apartment and have a heart attack, so it doesn't make any sense to me why the code is different for the fire code. But in New York State, the fire code is different, and that can be astronomically expensive, or it can literally stop your project dead in the tracks if it just becomes cost prohibitive to do it. Keith Weinhold 26:34 That's something that I never would have thought about. I generally like to see office to residential conversions revitalizing central business districts in our cities. You know, you talked about the parking before having less need for parking. If people can walk to work and where they work, that increases the walkability of an area. I like so many things about office to residential conversions, despite all the hardships and the pitfalls you have to avoid. Todd Drowlette 27:01 Oh, they're great. You just want to make sure you're picking the right building. So my point is, if you have five or 10 vacant office buildings, mostly vacant office buildings, just make sure you're choosing the right one. And before you buy it, do your due diligence and go through with contractors and engineers and architects that understand all the codes and say, hey, the other positive thing that saves money in office conversions is most office buildings. If you have an elevator bank, typically have bathrooms directly across from the elevator bank, so water and sewer can be very expensive when you're running apartments. So having central lines going up through usually concrete floors can save you a ton of money in the design and the layout of how you place the units and do it around central bathrooms, but typically larger office buildings will have plumbing and sewer on different parts of the floor. So it just means you have to go less distance and it saves money. And a lot of office buildings, even older ones, have higher ceilings, which today is very desirable for apartments. So if you can have a building that has natural light, high ceilings, and you can get grant money to do it, that's definitely something people should look into. And even with a smaller building, I've seen people in New York people are converting 5000 foot office buildings into like five units. You know, there's money to be made. You just have to buy right. I always say, you know, if you can buy $1 for 50 cents. Buy it. Don't buy $1 and hope it goes to $2 A Keith Weinhold 28:25 lot of these physical limitations, oftentimes in the office to residential conversion, and Todd in the residential world, oftentimes apartment buildings have been problematic. A lot of these syndicators have had their deals blow up because in 2022 or earlier they got five to seven year fixed rate debt. Those deals are coming due. The mortgage payments double, and a lot of times the operator just can't meet it, and it blows up. And apartment building values have been down about 30% nationally, largely for that reason, even though an apartment building owner gets a commercial loan, I still want to know from the commercial side and the commercial use type how much higher interest rate pain do you see that has surfaced and is still going to surface. Todd Drowlette 29:17 So, I'll answer this by quoting my grandmother. She said, "Anytime you want to cook, whatever size pot you think you need, pick twice that size pot and start using that. Keith Weinhold 29:29 Yeah. Todd Drowlette 29:29 So I say the same thing when you're financing a deal or you're writing it out and seeing what your returns are. I always say to people, make sure that you have a big enough cushion in there for all the things you can never predict in commercial loans, there's a ton of guys that are about to lose their shirts, and you're starting to see it because, unfortunately, I don't know if it's true in residential real estate, but in commercial real estate, I've seen guys go from nothing to 50 million, 100 million, $200 million net worths, but I've also seen. Lose everything. So what happens in commercial real estate that you don't want to do is so many people say OPM, use other people's money, use other people's money, use other people's money, which is fine as a strategy. But what you don't want to do is cross collateralized loans. So if you have one property and then you go, oh, let me refinance that and then buy a next property and I'll refinance that and buy the next property, and then the bank's like, okay, we'll refinance that, but we're going to now tie all these properties together as one mortgage, or you're going to cross guarantee these properties. Right. The problem with that is, the people who do that strategy, if you started at that, you know, in 2021 when interest rates, you could get things at three and three quarters percent. Well, commercial loans are five-year loans typically, and they might have 20 or 20-five-year amortizations. So, unlike a residential mortgage that's a 15 or 20 or 30-year self-amortizing loan, they're not. At the end of five years, you have a balloon payment that you have to pay off. So, if interest rates are going down, that's amazing because if your tenants are the same, and even if your rents didn't change, and you bought something at 6% and now it's at 5% Your cash flow goes up significantly, and nothing happened other than your refinance. The problem is you have a ton of guys right now, guys, women, people that were financing stuff five years ago at three and three quarters, and now interest rates are hanging six and a quarter, six and a half, depending on the property, is might maybe seven. Same tenant, same everything. You're giving the keys back to the bank because you're broke now. Because all of a sudden you're financing, you squeeze too much out of the deal. I always say you can take on the in in or you can take on the out, but you can't have both. So when people are financing stuff, they just need to make sure. Like here's another thing I'll go off on. A lot of people will buy stuff with tax credits, and you see even with residential apartments, a lot of guys are financing that, selling people tax credits. Economies and things change and things move. If a deal is so tight that you need the tax credits to make the deal make sense, yeah, don't do the fricking deal because tax credits should be an added bonus. That's just, hey, that's a nice adding to the cushion. So many people have razor thin margins. They go, oh well, I do the tax credits. If I can get 70 cents on the dollar, this is how I make the money. I tell people I will have nothing to do with tax credit deals unless it's strictly a bonus. The deal has to stand on its own, and always assume in the course of five years interest rates could go up three points or down three points. Most people will not listen to me and will not do that. If you do that, you'll never get killed and you won't lose a property. It's super conservative, but there's enough money you can make, and if you buy it right, that's how you can afford to figure that spread in when you're financing something. But just so many people get greedy, and I just think back to my friend Bob Bear, who died. I met him when he was like 70-five. He was a billionaire, self-made, and he used to say to me, "It's not what you make; it's what you keep. And when people would ask how rich are you, he knew how rich he was. He would say, "I don't owe anybody in the world a dime. Todd Drowlette 32:59 And to me, my entire strategy is I don't owe anybody in the world a dime. So I personally look at deals and say, out of my own cash flows, what can I buy? And instead of buying four properties a year, I might buy one property a year. But if I'm buying that and compounding my returns, I'm not paying interest to the banks. So it's just a different strategy. I sleep at night. I'm like the multimillionaire next door. I don't live extravagantly. I don't drive Ferraris and Rolls Royces. That's just not my thing. But I sleep at night and I have peace, which is important to me, knowing I don't owe anybody in the world a dime. But will I get as rich as the guy who's risking everything? No. But real estate to me is musical chairs, and the music always stops at some point. And there's never enough chairs for everybody. But if you're somebody who's in a cash position, which you're going to be going through in the next six months to a year, on the residential and commercial, I think there's going to be blood in the streets. And I think people who are sitting in cash are going to have like a once in a lifetime opportunity to buy things at a deep discount. Keith Weinhold 34:02 Philosophically, we're different in one way. I use debt and leverage to grow larger, but ensuring that I do have enough income to cover the mortgage and all the operating expenses. But Todd, to your analogy about your grandmother in selecting a bigger pot than what she would need to cook whatever she's going to do, when it does come to debt, the last time I bought an apartment building myself, which wasn't recent, I could have chosen seven-year fixed-rate debt with a balloon at the end, or 10-year fixed-rate debt with a balloon at the end. The 10-year fixed-rate debt cost me one quarter of a percent more in mortgage rate, which dented my cash flow during the entire duration of that loan. But I did indeed choose that 10-year loan in order to have that much more certainty, and I sure am glad that that's what I did. Todd Drowlette 34:54 That's always the game because it's people think that rich people know what you don't, or it's inside. Whatever I'm like. Number one, if you sit in a room with a bunch of rich people, yes, they will work against you if it benefits them to work together. But if it doesn't, you have egos and separate interests that are all competing. And there's always that thing of I know very very rich people who could buy and sell me 100 times over, and I also know that you don't know what you don't know, and the world has gotten so complicated, and financial markets are all intertwined globally. Anyone to be able to predict, it's like it's a crapshoot when you're like, okay, do I take seven years? Where do I think interest rates will be in seven years? It's hard to say where interest rates going to be tomorrow. You ask a banker tomorrow, they can't tell you. So it's like, what's your best educated guess of seven or 10 years? What's the better play? But I always go the conservative route. Keith Weinhold 35:43 I think it's easier to predict the future direction of capital prices than it is interest rates. Myself, Todd Drowlette 35:50 but I will say also, I am the exception. And if you have 100 other guests on here in the next year, well, 50-one more guests in here the next year, yeah, they would all say Todd's an idiot. That's terrible advice. If you want to get rich, literally leverage, leverage. Just do it intelligently, and I acknowledge that. I don't see the world the way other people do, but my end game is to be rich and comfortable, and to sleep at night with peace. And that's why I choose to do what I do, realizing I'm giving up. It's the you know what are you giving up to what do you gain benefit analysis, and I'm realizing I'm giving up some upside in my total potential net worth. But I like peace, and you know I had anxiety for years. I don't have it anymore, and I live my life to be as anxiety free as I can possibly be. Keith Weinhold 36:34 That's interesting, and that certainly works for you, Todd. What's one negotiation tactic that you get from dealing with, well, let's say Decca or Centa million dollar commercial deals that our listeners could use the very next time that they buy a rental property. Todd Drowlette 36:53 So the number one mistake I think people make is they assume what's motivating the other person, and they assume it's always price. So anytime I'm going to negotiate a deal from someone, whoever has the most information always wins, and whoever doesn't need the deal always wins. Yeah. So I want to know as much about that other person on the other side as I am. Are they going through a divorce? Are they desperate? Do they hate each other? Is it a partnership breakup? Did somebody inherit it and they live five states away and don't even know what this thing is worth that they have. So the number one thing from a negotiating standpoint is understand exactly who you're negotiating with and what's motivating them. From an actual tactic standpoint, just think logically through whatever the process is, and you can always go up. You can't go down. So the key is to offer as little as you can without insulting the person, so they don't even respond. So figure out what that fine line is, and before you go into the negotiation, know what your walk away number is. That's just the point you're not getting over. The fast way to lose in a negotiation is to get stuck in a bidding war. There's nothing I want so much that I'm going to overpay for it. So when people go, "Well, if somebody else is interested, I go then sell it to them. Yeah, I don't need it. Sell it to them. And then the other thing I'll say is, if you start the negotiation, this is the one piece. Say your number and shut up. So many people are scared of silence. And then, right, if the person doesn't immediately respond, they go, "Oh, well, I guess I offered you 500,000 I mean, I guess I could go 550. As soon as you talk after you give a number, you're negotiating against yourself. So throw the number, let it land wherever it lands, and do not talk until that person responds to you. That's like the number one mistake I see people do. They throw out a number, they get nervous with the silence, and then they immediately go up in their offer. That person could have been thinking, "Oh my God, did I forget to call back my whatever? And they're not even thinking about the number you just threw out. But people just assume, oh God, the number was too low, and then they negotiate against those. Do not do that. Keith Weinhold 38:48 Risk the awkward silence. And yes, to your point about learning more about the other side, terms are often more important than price for sure. Well, Todd, you know a lot of commercial real estate content in mainstream media it tends to focus on these big institutional deals. But what has made your A and E show interesting, the Real Estate Commission, is what it's called. Is it focuses more on sort of leasing and this negotiation that we're just touching on there, and that's what makes you interesting. So tell us about what audiences can expect for season two of the Real Estate Commission on A and E. Todd Drowlette 39:24 So, season two, you will 100% see real landlords, real brokers, real investors. You'll see real retailers. You'll see people relocating their offices in New York City. You'll see stuff in upstate New York. It's generally in the Northeast. In the first season, we helped a kitchen cabinet manufacturer relocate their suburban offices in Philadelphia. I sold a 50-unit HUD property that has a HAP contract you might be familiar with. That was crazy going through a bankruptcy foreclosure proceeding two year. That was crazy. Yeah, so you are going to. See more of that. It's a documentary. It's not a reality show, so you're watching the deal as it unfolds. Some things have happy endings. Some things have terrible endings, but they're real endings either way. So people will see a lot of that of deals happening in the Northeast. And if someone's listening and they're a business owner and they want to be part of the show, they can apply. We're announcing the casting will be open for about three weeks across the U.S. They can go to the realestatecommission.com/forward/tv and they can apply to be part of the show. Keith Weinhold 40:32 Now, since you started this last year, I want to ask: Has this A and E exposure helped you generate more business and create traffic? I would really think so. Todd Drowlette 40:42 Yeah, I wasn't sure. You know how because you never anything new. You never know, right? Like I put time and energy into it. It definitely did. Definitely, people start to notice you, which is a little weird. I was in a cell phone store, and they literally it was playing, and the guy's like, "Oh, it's you! Like, and then everybody who's walking in, he's like, "Hey, look, it's the guy on TV. He's right here. That was like kind of an awkward. Like, I'm like, "Okay, this is weird. Guy was excited, so that was fine. It's an adjustment of things, but it definitely has increased our overall visibility and people reaching out to do deals with us for sure. Keith Weinhold 41:18 Is there any last resource you'd like to tell our audience about. Todd Drowlette 41:21 I would just quickly announce the first season did so well. We're actually doing a spinoff show that'll also air on A and E called the Real Estate Commission New York that we're casting in upstate New York as well as New York City for brokers, agents, home sellers, home buyers that will actually document real buyers, real sellers, same thing. It'll follow our format, which I know there's a million shows on TV about real estate. Those are reality shows, not docu series. And I'll say, without going into the details, there's a very big difference between those two and what you're actually seeing on camera and what's happening. That will air in March of 2027, back to back with our show, I will make cameos in that. But I'm executive producing that show, so from your residential audience, that's a show they should tune into. I think they'll get a lot out of it. Keith Weinhold 42:12 Congratulations! Your show has had so much success that it's setting the template for another show, and it has been most interesting since we first had you here last year to follow this along, Todd Drowlette. It's been a valuable chat. Thanks so much for coming back onto the show. Todd Drowlette 42:28 I'd love to come back anytime, and thank you so much for having me on again. I appreciate it. Keith Weinhold 42:38 Drowlette is spelled D R O W L E T T E. Todd and I talk a good bit off mic as well. In addition to the elevators, sometimes he emphasizes how cumbersome to impossible HVAC system compatibility is when you're doing office to residential building conversions. Too, you just never seem to hear about an easier than expected office to residential property conversion. It is most interesting and rare that Todd is not much of a leverage guy at all. Whereas in the vein of financially free beats debt free, I like to approach deals where the interest cost is lower than the expected opportunity cost. When it comes to negotiating, some of Todd's approach, you know, it's similar to what prominent hostage negotiator Chris Voss shared with you here on the show a few years ago. That silence is powerful in negotiating. In fact, if you feel like you need to say something to fill the silence. Use what Chris Voss calls the mirroring technique, and the mirroring technique that is simply repeating what the other party just said, kind of like a parrot would. For example, if you're trying to buy a property and the seller says that the best they can do is sell it to you for 550k and a delayed 90-day close. Reply with 550k and a 90-day close, and then listen to see if the seller comes down from there. Or instead, you can simply say nothing and just sit there with the silence like Todd recommended. The reason I like these particular negotiating techniques right here is that they're easy to remember and they're easy to do. You either remain silent or, per the mirroring technique, you just repeat the last words that the other party said. Thanks to Todd Drowlette today, you can check out the real estate commission on A and E Coming up here on the show soon. Back to residential, where for the first time ever on the show here we discuss what might be the greatest real estate cash flow strategy because it's becoming quite popular today. Until next week, I'm your host Keith Weinhold. Don't quit your daydream. Speaker 1 45:08 Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively. Keith Weinhold 45:36 The preceding program was brought to you by your home for wealth building getricheducation.com
EPISODE 744 - Luna Westish - Meet Me at the Ruins - The Story of Margo, a Student and Story Set In ScotlandIn this episode, author Luna Westish shares the unexpected path that led her to writing and publishing her debut novel, Meet Me at the Ruins. From relocating her family to Mexico City during the pandemic to navigating the realities of self-publishing, Luna reflects on creativity, personal growth, and the lessons she learned along the way.Luna begins by discussing the major life decision that reshaped her family's world. After years of talking about living abroad, she and her partner chose the uncertainty of the pandemic as the moment to take the leap. Selling nearly all their belongings and leaving Tacoma, Washington behind, they moved to Mexico City with their children. What began as an experiment quickly turned into a new home as they found community in the vibrant, international city. While Luna still misses the nature and coastline of the Pacific Northwest, the move created space for new experiences and creative exploration.That sense of experimentation carries into Luna's approach to writing. Contrary to common advice that writers must produce words daily or follow strict routines, Luna discovered that creativity works best when she allows flexibility. Writing for her happens in bursts of inspiration, often in quiet coffee shops in the morning. Instead of focusing on word counts or rigid goals, she treats writing as a process of curiosity and self-discovery, allowing stories to emerge naturally rather than forcing them.Her journey into fiction was equally unplanned. Luna spent years writing nonfiction, including academic work, policy reports on climate change, and articles related to small business. Eventually she began writing deeply personal essays about her childhood growing up in a restrictive religious environment. That vulnerable work opened the door to fiction. Inspired by weekly coffee shop writing sessions with her teenager, she started drafting a story that eventually became her novel.Meet Me at the Ruins follows Margot, a college student studying abroad in Edinburgh in the early 2000s. The novel explores anxiety, identity, relationships, and the search for purpose during a formative stage of life. Set against the atmospheric backdrop of Edinburgh, the story blends elements of coming-of-age, romance, and contemporary literary fiction while focusing on emotional growth rather than a traditional plot-driven arc.Luna also offers candid insight into the publishing world. After partially releasing the story online, she queried agents and publishers but ultimately chose to self-publish when contracts lacked clarity around responsibilities and timelines. The experience revealed how complex book marketing can be, from building advance reader groups to securing reviews and interviews. Her biggest lesson for aspiring authors: allow far more time for marketing and outreach than you think you'll need.Despite the challenges, Luna views the entire process as a learning experience rather than a purely commercial pursuit. For her, writing is about exploration, connection, and sharing stories that resonate emotionally with readers. That same mindset shapes her parenting, encouraging her children to pursue creativity for joy rather than productivity.https://lunawestish.wordpress.com/___Support the show___https://livingthenextchapter.com/podcast produced by: https://truemediasolutions.ca/Coffee Refills are always appreciated, refill Dave's cup here, and thanks!https://buymeacoffee.com/truemediaca
Contrary to popular belief, Congress does not have a problem passing laws. While they rarely do see eye to eye on anything, legislation continues to be passed. The number of laws in our country has exploded. About 100 years ago, all of the federal statutes could fit into one volume. By 2018, the US code was 54 volumes and 60,000 pages. Over the past decade, Congress has adopted an average of 344 new pieces of legislation each session. That amounts to 2 million to 3 million words of new federal law each year. It is estimated that there are now north of 300,000 federal laws alone, with over 60,000 state laws in NC alone. With all of these new laws being passed, are we a more virtuous nation? Here's a crazy thought: Maybe if we stuck to the original 10, our country would be in better shape.
In this episode of Created to Reign, Vijay Jayaraj discusses the oil, coal, and natural gas comeback in Latin America. Contrary to what some people say, this is not reneging on "creation care," but a Christian attitude toward earth stewardship and care for the poor. Visit our podcast resource page: https://cornwallalliance.org/listen%20to%20our%20podcast%20created%20to%20reign/Our work is entirely supported by donations from people like you. If you benefit from our work and would like to partner with us, please visit www.cornwallalliance.org/donate.
Contrary Motion - False Relation - Episode 9 Show: Contrary Motion Artist: False Relation Air Date: 24 July 2026 Genre: Drum & Bass / Jungle 170 jungle vibes Tracklist: ... Originally broadcast on Data Transmission Radio. Listen live and explore the archive: https://radio.datatransmission.co
85 MinutesSafe for WorkGeorge Bagby is a content creator and publisher of long-forgotten books. George joins Pete to continue a series detailing the long lead up to America's Civil War.George's "Buy Me a Coffee"George's Twitter AccountGeorge's Pinned Tweet w/ Links George's YouTube ChannelPete and Thomas777 'At the Movies'Support Pete on His WebsitePete's PatreonPete's Substack Pete's SubscribestarPete's GUMROADPete's VenmoPete's Buy Me a CoffeePete on FacebookPete on TwitterBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-pete-quinones-show--6071361/support.
Welcome back to UNDRESSED: THE INTERVIEW as we continue our unforgettable conversation with Valley Persian Style star Sky Askari. In Part 2, we go far beyond the headlines and dive into marriage, reality television, family, fame, and the unexpected challenges that come with opening your life to millions of viewers. From separate bedrooms and Cartier proposals to cast feuds and behind-the-scenes drama, Sky holds nothing back. We kick things off by addressing one of the biggest topics from Valley Persian Style: Sky and her husband's unconventional sleeping arrangement. Sky reveals that years of her husband's increasingly unbearable snoring led her to retreat to her own bedroom, joking that she prefers to think of herself as royalty with separate chambers. Of course, we compare notes on our own marriage, laughing about arguments, guest rooms, fireplaces, and why Patrik can never seem to escape Pol—even when he tries. The conversation quickly turns romantic as we revisit one of the most important moments of our lives: Pol's unforgettable proposal to Patrik. What began as plans for a private-jet engagement to Hawaii turned into something even more extravagant when production couldn't secure the permits in time. Refusing to stage a fake television moment, Pol made a phone call that resulted in one of Beverly Hills' most iconic streets shutting down. We relive the incredible story of closing Rodeo Drive, gathering dozens of friends at Cartier, and orchestrating a surprise proposal complete with diamonds, luxury shopping, Louis Vuitton bags, and SnowWhite90210 in attendance. As we walk through the emotional details, we share the hilariously unfiltered hot-mic moment when Patrik, stunned by the size of the ring, leaned down and asked Pol if he had sold one of the houses to pay for it. Beyond the glamour and extravagance, the conversation becomes a touching reflection on love, commitment, and the once-in-a-lifetime moments that define a relationship. From there, Sky opens up about how she found herself cast on Valley Persian Style. Contrary to what many viewers assumed, she reveals that she barely knew most of the cast members before filming and was introduced to the production team through her friendship with Tanin. Sky explains that while she had briefly crossed paths with Golnesa “GG” Gharachedaghi years earlier, she had no real friendships with Shahs of Sunset veterans like Mercedes “MJ” Javid, Reza Farahan, Tommy Feight, or Adam Neely before stepping into the spotlight. As first-time reality stars ourselves, we ask Sky what it was like to suddenly expose her private life to cameras. She admits that despite being an open person, she has always fiercely protected her family, her children, and her inner circle. Sky shares that appearing on television forced her to confront emotions and insecurities she had spent years avoiding, ultimately teaching her lessons she hopes to pass on to her children. The conversation becomes even more candid as we discuss the darker side of reality television. Sky reflects on the toxicity of season one and admits that what began as entertainment eventually became deeply personal. She reveals that she struggled with how quickly friendships unraveled, how cast members continued discussing her on podcasts and in interviews, and how painful it was to feel targeted by people she once trusted. Despite everything, Sky insists that she has no regrets because the experience forced her to grow and better understand herself. We also explore the unique pressures of ensemble reality television and whether drama is organic or strategically amplified for the cameras. Sky explains that while she believes emotions are real, conflicts often become magnified once filming begins. She opens up about the tension between authenticity and performance and admits that there were moments she refused to recreate scenes because the emotions behind them were simply too raw. As parents and public figures, we dive into the importance of protecting children from fame and preserving some sense of normalcy. Sky explains why she intentionally limits her children's involvement on the show and how carefully she navigates balancing public life with private life. Of course, no conversation would be complete without addressing one of the season's most controversial moments: the infamous dog-oil incident. Sky finally tells her side of the story, insisting that rubbing skincare oil onto her beloved dogs was never intended as an insult but as a compliment to the product itself. She reveals that producers left out crucial details from the scene, including her questions about preservatives, ingredients, and shelf life—questions she believes would have completely changed viewers' perception of the situation. Sky also reveals that many of her favorite moments never made the final cut, including a visit to Warner Bros. with producer Ali Afshar to discuss incorporating pieces from her jewelry collection into future film projects. Moments like those, she says, better reflect who she truly is beyond the drama audiences see on television. As our conversation comes to a close, Sky looks ahead to season two with a completely different perspective. While she admits that she initially considered walking away, she ultimately chose to return stronger, wiser, and more confident. This time, she says, she is no longer interested in over-explaining herself or proving anything to anyone. Instead, she plans to stand her ground, represent her family and culture proudly, and let her actions speak for themselves. From separate bedrooms and spectacular proposals to reality-TV betrayals, family values, luxury lifestyles, and Hollywood politics, Part 2 of our conversation with Sky Askari proves that there is always far more happening behind the scenes than viewers ever imagine. Subscribe to our audio:linktr.ee/undressedpod Follow Pol' Atteu Instagram: @polatteu Twitter: @polatteuwww.polatteu.com Follow Patrik Simpson:Instagram: @patriksimpsonTikTok: @patriksimpsonwww.patriksimpson.com Follow SnowWhite90210:Instagram: @snowwhite90210Twitter: @SnowWhite9010www.snowwhite90210.com Watch Gown and Out in Beverly Hills on Prime Video:www.gownandoutinbeverlyhills.com #UndressedPodcast Armenian Coffee Reading SnowWhite90210 SnowBubu is a Perfect gift! https://polatteu.com/shop/ols/products/snowbubu90210 Learn more about your ad choices. Visit megaphone.fm/adchoices
Thomas Doherty was joined by Haley Marshall and Joe Hinds, editors of the new edition of Ecotherapy: Theory, Research, Practice, and Education, of which Thomas authored the first chapter. The trio reflected on the science and stories behind ecotherapy's rise from the margins to mainstream practice, and remembered their colleague, pioneering UK ecotherapist, Martin Jordan. Contrary to common misconceptions, outdoor or ecotherapy is neither new, nor unstudied. Thinkers like Martin, Hayley, Joe, Thomas and others have been clarifying and building best practices in this field for decades. This episode is an essential listen for those seeking a solid background on the history and development of mental health therapy in the outdoors.
Based on the law it passed in 2025, the statehouse seems to believe that college professors have the power to indoctrinate students, and so SB 1 limits what college professors can teach. The reality is, students' views are shaped largely by peers and broader experiences.Our guest today is Pranav Jani, an Ohio State University Associate Professor of English and the producer of the podcast “Together We Rise: Solidarity Stories from Central Ohio.” Jani disagrees with the view espoused by the law's sponsors. As Jani sees it, students seldom adopt wholesale what they hear from their professors. If anything, students are more inclined to challenge whatever they are told.Jani tries to create a democratic, collaborative classroom to education, and while he discloses his views to his students, his grading is based on how they argue their positions and the research they use to support those positions. Contrary to what Ohio Sen. Jerry Cirino, R-Kirtland, and the other supporters of SB 1 may think, the goal of professors is not to indoctrinate students but to promote critical thinking. Jani discusses with his students, among other things, controversies around activism, Palestine, and shifting definitions of “controversial.” In contrast, SB1 promotes an agenda-driven syllabus that restricts academic freedom. Free speech, Jani explains, differs from academic freedom. Free speech is the right to say anything. Academic freedom is the idea that professors have the right to follow the research wherever it may lead, meaning professors should be allowed to teach the truth, even if it's unpopular.
Today, we travel through Vermont in search of a family curse, a legendary lake creature, the ghost stories surrounding a terrible railroad disaster, and a group of mineral springs that seemed to resist every attempt to turn them into a business. Some parts of these stories are supported by historical records. Others belong entirely to folklore. Together, they reveal how real people, places, and tragedies can become legends passed down for generations. Long before Vermont had its present name or boundaries, Indigenous people lived throughout the region. Archaeological evidence shows that people were living in the Champlain Valley thousands of years ago. Over time, small seasonal camps developed into more permanent communities along the lakes and rivers. The Western Abenaki were among the Native peoples whose homeland included what is now Vermont. Lake Champlain provided food, transportation, and spiritual meaning, while rivers such as the Winooski and Missisquoi connected communities throughout the region. In 1609, Samuel de Champlain became the first European known to have set foot in what would become Vermont. Contrary to a frequently repeated claim, there is no reliable evidence that Jacques Cartier visited Vermont in 1535. The French built Fort Sainte Anne on Isle La Motte in 1666, creating Vermont's first European settlement. France eventually lost control of the region to Great Britain in 1763. Vermont then declared itself an independent republic in 1777 before joining the United States on March 4, 1791, as the fourteenth state. That long and complicated history created the perfect setting for stories in which fact and folklore are rarely far apart... Podcast Notes: https://ancestralfindings.com/american-folklore-vermont/ Ancestral Findings Podcast: https://ancestralfindings.com/podcast This Week's Free Genealogy Lookups: https://ancestralfindings.com/lookups Genealogy Giveaway: https://ancestralfindings.com/giveaway Genealogy eBooks: https://ancestralfindings.com/ebooks Follow Along: https://www.facebook.com/AncestralFindings https://www.youtube.com/ancestralfindings Support Ancestral Findings: https://ancestralfindings.com/support #Genealogy #AncestralFindings #GenealogyClips
Wrapping up our series today Pastor Ira teaches on The Church As The Catalyst. Contrary to our cultural understanding, church is not a static entity that we join and observe, but a Catalytic agent of change that challenges us to grow, heal, and walk in His power. Key Scriptures:Acts 4:32–33,13, 2:42,47, 5:41-42, Philemon 1:8, 1 Peter 4:10, Ephesians 2:4-5
Contrary to the impulsive, unpredictable and self-serving ways of the gods, the Ephesians are coming to know that the true God is loving, gracious and centered on His human family to reconcile and restore them through Jesus to the warm, loving, personal relationship for which He created them in the beginning.
Last week, we examined what the new life in Jesus looks like at home. Here, Paul points our eyes to look outside the home and ask: how are we supposed to live in the world? What principles should guide our interactions with our neighbors, coworkers, family members - anyone who doesn't yet believe in Jesus? Contrary to mistaken extremes some Christians have adopted (withdrawal, antagonism, accommodation, etc.), what we see commended by Paul is a model of prayerful, careful, winsome engagement. And once again, it's a model that looks like Jesus himself.
Contrary to the traditional flight-to-safety playbook, bond yields are rising alongside oil prices as war-driven inflation fears overwhelm demand for U.S. Treasuries as a haven asset. We examine why this unusual bond market behavior matters for every investor who holds fixed income, and what it signals about the durability of the post-pandemic rate environment.Today's Stocks & Topics: ZIM Integrated Shipping Services Ltd. (ZIM), Market Wrap, Netflix, Inc. (NFLX), High Deficit on Bond Markets, Financial Planning, War Bonds vs. War Stocks: How Treasuries Are Really Responding to the Iran Conflict, KPP Newsletter, Zions Bancorporation, National Association (ZION), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Newmont Corporation (NEM), Edison International (EIX), Archer-Daniels-Midland Company (ADM), FCC Trying To Change Quarterly Earnings Rules.Advertising Inquiries: https://redcircle.com/brands
Another fun-filled episode of Nerds Talking is here! Join Lafayette and Carlos as they bring you another week of entertainment news, movie talk, television reviews, and plenty of laughs.This week, we dive into the surprising box office struggles of Disney's upcoming live-action Moana. With a cast featuring Catherine Laga'aia as Moana, Dwayne Johnson returning as Maui, John Tui, Frankie Adams, and Rena Owen, the film seemed destined for success—but audiences don't appear to be rushing to theaters. Has Disney's live-action remake formula finally run its course? We discuss why these remakes may be losing their magic.Our old friend Joey Valentine is back behind the microphone! After returning with The Joey Valentine Show, he dedicated part of his latest episode to talking about Nerds Talking. We share our thoughts, react to the discussion, and reminisce about our long history together in podcasting.Meanwhile, the proposed Paramount/Warner Bros. deal continues to hit roadblocks. Is this blockbuster merger ever going to happen, or is it destined to become another Hollywood "what if?" We break down the latest developments and explain why we don't think this deal will ever cross the finish line.We also pull back the curtain on how Nerds Talking is made. Contrary to what some listeners might think, we don't write scripts or rehearse our conversations. Every episode is completely unscripted—we simply turn on the microphones, shoot from the hip, and let the conversation go wherever our nerdy passions take us.Finally, we review the final season of The Bear, starring Jeremy Allen White, Ayo Edebiri, Ebon Moss-Bachrach, Lionel Boyce, Liza Colón-Zayas, Abby Elliott, Matty Matheson, and Oliver Platt. Did the acclaimed series stick the landing? We discuss the emotional moments, standout performances, and whether the finale lived up to the hype.Whether you're a movie buff, TV fanatic, gaming enthusiast, or simply love great conversations about pop culture, this episode has something for everyone. Tune in for laughs, nostalgia, hot takes, and plenty of nerdy insights as Lafayette and Carlos help make your day a little more entertaining!Listen now and join the conversation!#NerdsTalking #Podcast #EntertainmentNews #MovieNews #TVReviews #Disney #Moana #LiveActionMoana #TheBearFX #JeremyAllenWhite #AyoEdebiri #Hollywood #WarnerBros #Paramount #MoviePodcast #PopCulture #GeekCulture #FilmReview #Streaming #DisneyMovies #Television #ComedyPodcast #EntertainmentPodcast #MovieReview #WeeklyPodcast
Full Text of Readings Saturday of the Fifteenth Week in Ordinary Time Lectionary: 394 The Saint of the day is Saint Camillus de Lellis Saint Camillus de Lellis' Story Humanly speaking, Camillus was not a likely candidate for sainthood. His mother died when he was a child, his father neglected him, and he grew up with an excessive love for gambling. At 17, he was afflicted with a disease of his leg that remained with him for life. In Rome he entered the San Giacomo Hospital for Incurables as both patient and servant, but was dismissed for quarrelsomeness after nine months. He served in the Venetian army for three years. Then, in the winter of 1574, when he was 24, Camillus de Lellis gambled away everything he had—savings, weapons, literally down to his shirt. He accepted work at the Capuchin friary at Manfredonia, and was one day so moved by a sermon of the superior that he began a conversion that changed his life. He entered the Capuchin novitiate, but was dismissed because of the apparently incurable sore on his leg. After another stint of service at San Giacomo, he came back to the Capuchins, only to be dismissed again, for the same reason. Again, back at San Giacomo, his dedication was rewarded by his being made superintendent. Camillus de Lellis devoted the rest of his life to the care of the sick. Along with Saint John of God he has been named patron of hospitals, nurses, and the sick. With the advice of his friend Saint Philip Neri, he studied for the priesthood and was ordained at the age of 34. Contrary to the advice of his friend, Camillus left San Giacomo and founded a congregation of his own. As superior, he devoted much of his own time to the care of the sick. Charity was his first concern, but the physical aspects of the hospital also received his diligent attention. Camillus insisted on cleanliness and the technical competence of those who served the sick. The members of his community bound themselves to serve prisoners and persons infected by the plague as well as those dying in private homes. Some of his men were with troops fighting in Hungary and Croatia in 1595, forming the first recorded military field ambulance. In Naples, he and his men went onto the galleys that had plague and were not allowed to land. He discovered that there were people being buried alive, and ordered his brothers to continue the prayers for the dying 15 minutes after apparent death. Camillus de Lellis himself suffered the disease of his leg through his life. In his last illness, he left his own bed to see if other patients in the hospital needed help. Reflection Saints are created by God. Parents must indeed nurture the faith in their children; husbands and wives must cooperate to deepen their baptismal grace; friends must support each other. But all human effort is only the dispensing of divine power. We must all try as if everything depended on us. But only the power of God can fulfill the plan of God—to make us like himself.Saint of the Day, Copyright Franciscan Media
Not too much of a shift on months of inventory from May 2026 - homes are selling yet it is taking a much longer time on the market before they sell. Contrary to popular belief home prices are not crashing down as the year to year comparison is showing very little movement in the median home prices. Yes some home sellers are selling for less than the intial asking price but that does not mean that home prices are going down, just means that the seller had high expectations and once those expectations fell to the "market place" values then the homes sold.
Armored Against Demon Invasion (audio) David Eells – 7/15/26 Bundle of Serpents Attacks John David Feagin - 10/31/2011 (David's notes in red) In the brief dream I had, there was a bundle, like the old-fashioned bundle of wheat that was being passed down from two others in line to me, only this bundle was a bundle of serpents. I could tell that they were very venomous serpents, like sea snakes, cobras, mambas, or coral snakes. They tried to bite my arm and, naturally, I did not like this. I did remember that we are immune to the bites of serpents if we are covered in the Blood of Jesus, so this is where I put my trust. I was no longer so concerned and set them aside. At the time I awoke, this was puzzling to me, but now, after some thought, I believe I understand it more fully. The snakes involved have neurotoxins, which attack the brain, that is, our thoughts. We are strictly warned to take captive our every thought (that is, against the knowledge of God's Word) and this now means much more to me than it ever has before. I am certainly no expert with such things or spiritual warfare, but I do know that demons associated with pornography, bitterness, criticism, faction, etc., are very powerful and deadly. I also know that demons can be transferred by men, and inadvertently opening doors, even with the best of intentions, can invite personal attack. I personally believe this was a warning to be very careful, but it may also be a general warning to others as well, and may be applied to all sorts of demonic or thought influence. If the enemy can truly read our thoughts and insert them, as has been shown in a previous UBM study, then this is particularly devious. It is difficult to reject such thoughts if you think they are your own. Then, this morning, as a sort of confirmation, I saw the UBM update about the bug detector and casting such thoughts to hell immediately in the name of Jesus. I also noticed that when I was praying, in the Word, and seeking wisdom in such matters, my thoughts were clear, but when my guard was down, my own thoughts and emotions in the matter, no matter how well-intended, were somewhat intoxicating. So, forewarned is forearmed. God bless always in His service. Be careful of slander and criticism for the purpose of making disciples. It comes only from demons, and those they can use, and it comes for only one reason -- to impart demons and poison minds against someone the devil hates. Demons impersonating aliens to turn the world to the mark of the beast to destroy Christianity. The Word for “heresies” or “parties” in Galatians 5:20 means “a self-willed opinion leading to division”. The word for factions among these works of the flesh means separating followers through selfish ambition. Demons impersonate righteous indignation but are actually criticism or new revelation. {Jas.3:14} But if ye have bitter jealousy and faction in your heart, glory not and lie not against the truth. {15} This wisdom is not [a wisdom] that cometh down from above, but is earthly, sensual, devilish. {16} For where jealousy and faction are, there is confusion and every vile deed. Bluffing Demons & Spiritual Authority Sandy Shaw 11/09/2011 (David's notes in red) The way this dream starts is that I'm walking into this room, and I'm watching a group of men (some I know, some I don't know) who are turning around and leaving the room. I ask the ladies there, “Where are the men going?” (These men are the chosen.) The women who are there tell me not to worry because they need to go -- they have to go. The Lord wants them to go. When this happens, I feel like all the women are in unity that the men needed to go. (The spiritual catching up to the throne anointing of those who will return as the Man-child reformer ministry.) I then grab Tina's hand and ask, “Don't you feel the winds of change?” She answers, “What?” Then I say, “The change. The winds of change. Don't you feel the winds of change?” (From this point on, everything will change both positively for those who love God and are called according to His purpose and negatively for the wicked; a separation of the wheat from the tares. Tina ended up going factious, the opposite of Sandy.) Then I go from there to an ancient-looking town square or plaza. People are walking all around. There are archways all around the square leading into different hallways, buildings, or rooms. It looks and feels like it's an ancient city. (Archways were made famous by the ancient Romans, who were the first to apply the technique to a wide range of structures. We are seeing a revival of the iron and clay of Daniel's end-time vision of the 10 toes of the world beast kingdom. There is no dispute that the iron is the seed of the Roman Empire.) As I'm walking slowly through this square, I'm praying. I'm praying continuously because I can feel the presence of evil so strongly there. (Great darkness is about to descend as the principality of the old Roman Empire prepares to take charge and make the covenant with many, as spoken of in Daniel 9:26,27.) As I'm looking at some of the people, they look human, but for a brief moment, I can see certain demons that are controlling them. (As we watch this progressive revelation, the people who belong to the body of the beast become less and less human and more and more demon, just as those who belong to the body of Christ become less and less human and more and more sons of God. Those from among the people of God who do not forsake their evil will go with the wicked. {Rev.22:11} He that is unrighteous, let him do unrighteousness still: and he that is filthy, let him be made filthy still: and he that is righteous, let him do righteousness still: and he that is holy, let him be made holy still. In the days before the coming of the Lord, at the end of the tribulation, Jesus will come in and then with His saints. {2Th.1:7} and to you that are afflicted rest with us, at the revelation of the Lord Jesus from heaven with the angels of his power in flaming fire, {8} rendering vengeance to them that know not God, and to them that obey not the gospel of our Lord Jesus: {9} who shall suffer punishment, [even] eternal destruction from the face of the Lord and from the glory of his might, {10} when he shall come to be glorified in his saints, and to be marvelled at in all them that believed (because our testimony unto you was believed) in that day.) As I'm praying, some man grabs my arm and pulls me into one of the hallways. As he is pulling me into the hallway, I hear someone in the square saying, “We gotta find her. We gotta find her. We have to stop her. Her prayers are reaching the throne of Heaven!” (These voices are the demons speaking through men). (Our prayers do reach the throne when sent by faith, and the demons' plans are thwarted. {Psa.10:17} Jehovah, thou hast heard the desire of the meek: Thou wilt prepare their heart, thou wilt cause thine ear to hear. {Rom.10:13} for, Whosoever shall call upon the name of the Lord shall be saved. {Jer.33:3} Call unto me, and I will answer thee, and will show thee great things, and difficult, which thou knowest not.) So the man pulls me into this room, and there are mostly men and a few women there. This room is full of uniforms of all different kinds. The people are trying to figure out which uniform to put on. Some of the uniforms are military. As they are excited about finding the right uniform to wear, they are trying them on. I know in the dream that these people are Christians. (The “Christians” will be worried about how to appear to the world in this dangerous time and what lifestyle to put on besides Christ's. A military uniform indicates a militant lifestyle in dealing with this beast system, which will be disastrous since “they who take the sword will die by the sword”. We must put on the uniform of the new man, who is in the image of Jesus and His actions, according to the knowledge of the Word. {Col.3:9} lie not one to another; seeing that ye have put off the old man with his doings, {10} and have put on the new man, that is being renewed unto knowledge after the image of him that created him.) I tell them that they have it wrong and that the full armor that they need to put on is the full armor of God, not one of these physical uniforms made by man. The people just look at me, not receiving anything I'm saying (as apostate patriotic Christians). A man asks me to sit down and take a look at this uniform. Then this man puts on some kind of uniform with a jacket. The jacket and uniform cover his legs, feet, and everything. There is a hood to the jacket that covers his whole head with a face-covering mask. The material of the jacket is a material I've never felt before. They then pour chemicals over it, resulting in no damage. Then they turn a blowtorch on it, and the torch doesn't burn or damage it. (As a volunteer fireman for Exxon, they gave us shirts that had metal woven into them to reflect heat. Our government is allying with alien impersonating demons like the galactic federation or alliance in hopes of profiting from their “higher technology.” But these hate Christians and will help to bring about the mark of the beast to be rid of them.) They are really excited about the uniform/jacket and are picking it to be the one they will use. (There is no safety outside of God's will. He sent the curse, and no man can defend from it. {Jer.17:5} Thus saith Jehovah: Cursed is the man that trusteth in man, and maketh flesh his arm, and whose heart departeth from Jehovah. ... {7} Blessed is the man that trusteth in Jehovah, and whose trust Jehovah is. {8} For he shall be as a tree planted by the waters, that spreadeth out its roots by the river, and shall not fear when heat cometh, but its leaf shall be green; and shall not be careful in the year of drought, neither shall cease from yielding fruit.) I tell them again, “No, you have it wrong; it's the full armor of God that you need to put on. There is nothing manmade that will help you. You only need the full armor of God”. I then get up and walk out of there into the long hallway. As I walk down the hallway, it is full of men lining up to put on the uniform they think is going to help them in the battle ahead. {Psa.33:16} There is no king saved by the multitude of a host: A mighty man is not delivered by great strength. {17} A horse is a vain thing for safety; Neither doth he deliver any by his great power. {18} Behold, the eye of Jehovah is upon them that fear him, Upon them that hope in his lovingkindness; {19} To deliver their soul from death, And to keep them alive in famine. {20} Our soul hath waited for Jehovah: He is our help and our shield. ... {Psa.34:7} The angel of Jehovah encampeth round about them that fear him, And delivereth them. {8} Oh taste and see that Jehovah is good: Blessed is the man that taketh refuge in him.) After leaving the “Christians” in their false confidence, I kept walking and went back to the square. The ground in the square has changed: it's all dirt now, and I could see through the dirt. I see under the dirt different piles of bones all over the place. No one knows that those bones are there, and no one sees them either. I'm not quite sure why I'm seeing them. (The hidden bones represent those who are martyred behind the scenes because they are not prepared for the battle by putting on the Lord Jesus Christ, as in Romans 13:12-14. Notice that putting on Jesus IS putting on God's armor or protection. Notice that it is always called the “armor of God” because it is God Himself. {Eph.6:11} Put on the whole armor of God, that ye may be able to stand against the wiles of the devil. {12} For our wrestling is not against flesh and blood, but against the principalities, against the powers, against the world-rulers of this darkness, against the spiritual [hosts] of wickedness in the heavenly [places]. {13} Wherefore take up the whole armor of God, that ye may be able to withstand in the evil day, and, having done all, to stand. {14} Stand therefore, having girded your loins with truth, and having put on the breastplate of righteousness, {15} and having shod your feet with the preparation of the gospel of peace; {16} withal taking up the shield of faith, wherewith ye shall be able to quench all the fiery darts of the evil [one]. {17} And take the helmet of salvation, and the sword of the Spirit, which is the word of God: {18} with all prayer and supplication praying at all seasons in the Spirit, and watching thereunto in all perseverance and supplication for all the saints. Notice that putting on all of these attributes: truth, righteousness, the Gospel, and salvation are manifestations of the Word, Who is Jesus. Putting on Jesus is putting on God. It is the armor of GOD Himself.) I'm walking through the square again, and I'm praying because I need to get to the other side of the square. (Contrary to popular opinion, we will all have to pass through this time of the revived Roman beast with America at the head.) As I'm walking and praying, the people that I saw with demons controlling them, I now see as full-blown demons, but to the natural eye, they still looked human. (The worldly people will be totally possessed, though they appear to each other as normal, and we are seeing more of this happening now. The D.S. can only be picked out by their leftist demon doctrines.) There was one demon that would walk really fast. So fast that it seemed as if he was flying. This demon went right in front of my face, standing right in front of me but he could not see me. He was really angry and talking with authority, telling the other demons, “We have to find these people who are praying! NOW! NOW, I say! Find them! (Prayer by those who believe in its power will be both destructive to Satan's kingdom and defensive to those who walk in the Lord's Kingdom. {Jas.5:16} Confess therefore your sins one to another, and pray one for another, that ye may be healed. The supplication of a righteous man availeth much in its working. {17} Elijah was a man of like passions with us, and he prayed fervently that it might not rain; and it rained not on the earth for three years and six months. {18} And he prayed again; and the heaven gave rain, and the earth brought forth her fruit.) I was standing right in front of him, praying, and the demon had no clue that I was there. (In other words, I was hidden in Christ.) So, I keep walking and when I get to the right-hand corner of the square, I look. I stop, turn around, and I'm looking! I'm watching these people. And the room is not really a room. The way that it feels is completely off, like when you walk into a room, and you can see the light, yet you can see shadows behind things. This was now completely reversed. There was light where shadows would normally be. There were bits and pieces of light. It was completely off, completely out of order. It just didn't feel or look right. (When the light is dark, and the dark is light, it is when good is called evil and evil is called good. This is where demon-possessed society is and has been going. {Isa.5:20} Woe unto them that call evil good, and good evil; that put darkness for light, and light for darkness; that put bitter for sweet, and sweet for bitter! We see this with demon-possessed people now.) After I walked through there, I saw what looked like some kind of old train depot-type thing. I know it's some kind of old transportation system. I'm in this room where there are two big fences with gates -- a cement-type fence. There is a gate, and people are going in and out of the gate. And then there is like a middle part where a lot of people are walking -- a lot of traffic. (To get where they want to go, Christians can't walk where the masses do in their bondage, spiritually speaking. {Mat.7:13} Enter ye in by the narrow gate: for wide is the gate, and broad is the way, that leadeth to destruction, and many are they that enter in thereby. {14} For narrow is the gate, and straitened the way, that leadeth unto life, and few are they that find it. We must be conformed by the Word within.) On the other end is the same kind of gate that people are entering this place from somewhere else. When I go there, I'm waiting for Tina, Sam, and my mom. I feel like Tina and Sam went to get my mom wherever she was to bring her here. I knew that it hadn't been very long since I had seen Tina and Sam, but that I hadn't seen my mom in a while. Tina and Sam were getting ready to go through the gate that's on the other side to go to the middle. My mom stopped them and said, “No, we can't go that way. We have to go the other way”. (Sandy said that she felt that if they had gone into the middle, they would have died. This warning was not taken seriously by them and they spiritually died. They did not listen. This is where the people of God need to go from the worldly to the spiritual; there cannot be ‘a halfway', ‘a lukewarm'. This would mean spiritual death to them in this time and a spewing out of the body of Christ. {Rev.3:15} I know thy works, that thou art neither cold nor hot: I would thou wert cold or hot. {16} So because thou art lukewarm, and neither hot nor cold, I will spew thee out of my mouth.) If you walked all the way around to the end, there was another part that was covered by the fence. They did not walk in the middle part. They had to walk all the way around to where I was. (The path of least resistance, or the shortcut, is the wrong way. The worldly church offers many of these. Just listen to them, and they will show you the quick and easy way to get saved and fly away, but the end is death.) They were almost down to that part, and there was another little gate to walk to the middle. My mom stopped and turned around and told Tina, “Grab Sam. He cannot walk in the middle. There is no middle; he can't walk in the middle”. (None of those who are lukewarm, middle-of-the-road walkers will spiritually survive.) As Sam goes toward the middle, Tina grabs him and they walk all the way around to where I was. I greet them and hug them. (This awakening was temporary.) Then I tell them, “Things are not what they seem to be”. My mom then says, “It's okay, it's okay, because everything that is happening is according to God's will. We just need to stay in constant prayer. {Pro.14:12} There is a way which seemeth right unto a man; But the end thereof are the ways of death. We just need to stay in constant prayer”. (In the days of strong delusion and deception, there's much advanced technology now using AI, CGI, and programming through drugs, mind control and manipulation, etc., we cannot walk according to our carnal mind or senses, or we will stumble. Prayer without ceasing is our command.) So, I'm walking ahead of them. Tina is walking on one side, my mom on the other side, both holding Sam's hand. Sam was not as old as he is now. He looked to be eight or nine years old. (We will have to help guide those Christians who are not yet mature in discernment. God will hear their prayers, too. Samuel is Hebrew for “God heard” or “God's name”. Shem is a variant of Sam, meaning “name”. Shem was the father of the people of the name, as Christians are now. Shem was the father of the Israelites.) Sam was trying not to act afraid when there was the presence of evil all around us. Even amongst all the evil, we knew we were under the protection of the Lord. There was no safe place other than the arms of God. I bent down to talk to Sam in his ear, saying, “It's okay to be afraid; you just fear the Lord. Don't fear anyone else or anything else. Nothing can harm you because they have to go through the Father first. Don't be afraid”. (Fear permits faith to be robbed and the enemies to take advantage of us. It is faith in reverse. {Psa.23:4} Yea, thou I walk through the valley of the shadow of death, I will fear no evil; for thou art with me; Thy rod [of correction] and thy staff [of direction], they comfort me. {5} Thou preparest a table before me in the presence of mine enemies: Thou hast anointed my head with oil; My cup runneth over. (With this anointing of the Holy Spirit, we should give the good confession.) {6} Surely goodness and lovingkindness shall follow me all the days of my life; And I shall dwell in the house of Jehovah for ever.) Then we started walking back to the square. The dirt has changed again. The dirt now seems like it's a mud-like consistency. But to the natural eye, it looks just like dirt. I still see the piles of bones now with the mud going between the fingers, toes, etc. But now I also see something like a circle; it's a tunnel and I can see it at weird angles and kind of far. The things that I'm seeing in these tunnels are body parts with the flesh. I'm seeing arms cut off, legs, face, head, all different kinds of body parts. They look to be freshly cut off from the body because I can still see the blood. The blood is still wet. I can see the nerves on some of these parts still shaking and moving. (The ‘powers that be' have made many underground tunnels connecting cities, where the military and special forces have found remains of countless people who were murdered by satanists. According to other dreams and prophecies I have seen, it is in these tunnels that the saints will be expected to renounce Jesus or die. It behooves us to walk carefully so we fill out both our days and our ministry.) I'm getting ready to step, and I stop. I put my hand out to stop my mom, Tina, and Sam as I watch the details of the body parts freshly cut off. It was gross. I then asked them if they saw those parts. Tina and my mom saw it; Sam closed his eyes. He didn't want to see it. I then asked, “But it's not there?” My mom said, “Oh, but it is there under the dirt”. We stopped then and there, and we started praying. We were praying in tongues. While we were praying, I told Tina to take my mom and Sam to the outer part of the square, find a place, and begin praying and interceding. And that's what they did. (As with the Nazi persecutions in the death camps of World War 2, many will deny for the sake of soothing their own conscience that these persecutions are happening, but they will be out of sight and out of mind, “under the dirt”.) I was taking very small steps as the Lord was guiding me and telling me to. (Every step in these days will need to be according to the Father's will because of the dangers. {Eph.5:15} Look therefore carefully how ye walk, not as unwise, but as wise; {16} redeeming the time, because the days are evil.) And I was just praying and praying and praying. As I was starting to pray, I saw the people in the square now completely as demons. I no longer saw them as humans. (The righteous will be able to see in the spirit realm those who have been displaced by demons.) As I was walking, I felt as if they were trying to find me, and they were bumping into me, but didn't know they were hitting me. I kept praying more and more. I prayed out loud, and they could hear me but couldn't see me. (Invisibility in the spirit realm makes for peace from the flesh realm.) That big demon I saw earlier that walked really fast was now there, and there were more demons of his stature and size. They were frantic, upset and mad. One of them said, “Now there are more praying. Do you hear them praying? We have to find them NOW! I'm telling you, their prayers are reaching the throne room of Heaven. Things are going to change. Find them NOW!” There was such an urgency to find us. I walked all the way to the end of the square and I turned around and asked, “Okay, Lord. What is it that You want me to do?” (Truly, “things are going to change.” Walking to the end of the square represents that the saints will go through this beast tribulation and bring the Gospel to the whole world. Watch volume one of Hidden Manna for the End Times.) I don't know where the Lord took the men whom I saw at the beginning of the dream or what had happened, but I just knew that they were coming back. The demons were still looking really hard for the people who were praying. Not just us, but they were looking to stop everyone everywhere from praying. The Lord told me to step a foot back in the square, and I did. When I stepped back in the square, I was speaking the Word out loud. Everything that the Lord was saying to me, I was speaking out loud. The demons could now see me and were in my face, trying to intimidate or scare me. I knew that they could not touch me. They were telling me to shut up, be quiet, that my prayers were dead, and I was doing no good. “Don't you know we can kill you? We can take you out! You are nothing!” Many of them kept saying those things to me over and over. (Demons are full of threats to discourage the prayers and works of God, but most Christians don't recognize them as coming from demons, but feel they are their own thoughts and are defeated. The knowledge of God's Word will enable them to defeat the deceivers. {2Co.10:3} For though we walk in the flesh, we do not war according to the flesh {4} (for the weapons of our warfare are not of the flesh, but mighty before God to the casting down of strongholds), {5} casting down imaginations, and every high thing that is exalted against the knowledge of God and bringing every thought into captivity to the obedience of Christ.) I said to them, “I am nothing, but through Christ Jesus He is everything. He is my all and all. Everything that I need, God is. God is the source. God is the strength. God is the great I AM! One of the demons was so close to my face that I could smell his stench. So close that he was almost touching me. I told him, “You are nothing! You can't do anything other than what my God allows. You are nothing! (God is sovereign over all, but He will allow many things that we allow because He has delegated authority over all the power of the enemies. {Mat.18:18} Verily I say unto you, what things soever ye shall bind on earth shall be bound in heaven; and what things soever ye shall loose on earth shall be loosed in heaven. {19} Again I say unto you, that if two of you shall agree on earth as touching anything that they shall ask, it shall be done for them of my Father who is in heaven. ... {Luk.10:19} Behold, I have given you authority to tread upon serpents and scorpions, and over all the power of the enemy: and nothing shall in any wise hurt you. {20} Nevertheless in this rejoice not, that the spirits are subject unto you; but rejoice that your names are written in heaven. I heard a noise behind me, and I turned around and saw all the men who had gone out, and there were more with them coming, and with what looked like Christ in the middle. Everyone was dressed in white. When Christ and all those men came on the scene, some of those demons became smaller and smaller. The ones that were already small were trying to run, but they couldn't go anywhere, as you have seen in cartoons, only this was not a cartoon; they were liquefying before me into a puddle on the floor, and then they were gone. I was backing up as the men were going forward. I went with Tina, Sam, and my mom to this place where I saw a lot more people who were praying and interceding. Then I woke up. (Who are these men whom the demons fear? The Lord is in the Man-child ministry to raise up many in the image of the Lord. These are coming to wreak havoc on the spiritual hosts of wickedness. Hallelujah!) After I woke up from the dream, I heard the Lord say, “Write this down: “You have all power and authority in the name of Jesus Christ. Understand and know the power of His blood. For you are adopted, therefore you are entitled to everything. Hear Me! Understand Me! Know Me! For then the enemy cannot deceive you for what's ahead.” The Men Whom the Demons Fear Seven spiritual shepherds who are sent by the Man-child to minister to the seven Churches, which is mentioned in Hidden Manna for the End Times. First, Jesus is coming to be manifested in the Man-child ministry. (Mic.5:2) But thou, Beth-lehem Ephrathah, which art little to be among the thousands of Judah, out of thee shall one come forth unto me that is to be ruler in Israel; whose goings forth are from of old, from everlasting. Obviously, this is Jesus. (3) Therefore will he give them up, until the time that she who travaileth hath brought forth (the man-child body): then the residue of his brethren shall return unto the children of Israel. Jesus left because of rebellion and will return in the Man-child who is born of the travailing woman in Revelation 12. As Jesus fed the former rain woman in a body of flesh, so He will feed the latter rain woman in a corporate body of flesh. (Mic.5:4) And He shall stand, and shall feed [His flock] in the strength of the Lord, in the majesty of the name of the Lord His God: and they shall abide; for now shall He be great unto the ends of the earth. The Jesus of the former rain was revered by the disciples and feared by His enemies, but because of apostasy, this has not been true for many centuries since because they have had “another Jesus.” The Man-child body and those disciples who follow in His/their steps will restore this, and He shall be “great unto the ends of the earth”. The Man-child's teaching will bring peace to the seven churches that are at war with the beast and harlot. (5) And this [man] shall be [our] peace, When the Assyrian shall come into our land, and shall tread in our palaces, then shall we raise against him seven shepherds and eight principal (Hebrew: “princes among”) men. The corporate body of the Man-child is “this man” who brings peace to the corporate woman with his teachings, which enable her to resist the beast invasion. He brings peace because the “Prince of peace” is in his heart. Spiritually speaking, we are the “land” with the “palaces” that the corporate beast is trying to invade. (1Co.3:9) For we are God's fellow-workers: ye are God's husbandry (Greek: “tilled land”), God's building (“palaces”). As we shall see, the beast is a corporate spirit from the abyss (Rev.17:8) that inhabits the body of the wicked (3) and seeks to inhabit the righteous and mark them. Notice that the “Assyrians” are called “him” which shows that they are seen as the corporate body of the beast. Since the Assyrian beast kingdom passed away over 600 years before Christ, they could not have been connected with Jesus or the Man-child. Therefore, God, as usual, was using the beast of that day to represent a particular aspect of the end time beast. As the Assyrian beast did not conquer Jerusalem, so the end time beast will not conquer those spiritually abiding in the New Jerusalem. (Mic.5:5) ...Then shall we raise against him seven shepherds and eight principal (Hebrew: “princes among”) men. The Man-child Jesus raised up twelve apostolic shepherds primarily to restore those of the “twelve-tribes of Israel” who would listen (Mat.10:5; Act.26:7; Jas.1:1; 1Pet.1:1). In exact parallel, the corporate Man-child will raise up “seven” corporate apostolic “shepherds” primarily to restore the “seven churches”. The Man-child's primary job is to feed the unleavened bread of the Word to disciples in order to manifest Christ in them. These will be the new leadership for the seven churches in the last 3 1/2 years. These “seven shepherds” are not sectarian religious leaders but one man in Christ and are inhabited by one “prince of peace”, Jesus, hence “eight princes among men”. In the next chapter of Micah, we will see that even after the Man-child Jesus' 3 ½-year ministry, He promised to be with the shepherds in spirit “unto the consummation of the age,” (Greek: Mat.28:20) hence “eight princes among men”. These princes are sons of the King and have authority over His realm of the seven churches. The seven churches of Revelation are a type of seven different types of Christians in the Church. (Isa.4:1) And seven women (the Church) shall take hold of one man in that day. The “one man” here is Jesus manifested in the Man-child. Then He will be manifested in the seven shepherds and then in the true Church. One of God's solutions to the apostasy in the Church is new leadership. (Isa.1:26) And I will restore thy judges as at the first, and thy counselors as at the beginning. The same type of counselors in the former rain will be given in the latter rain. Here is another confirmation of the Man-child giving His revelation to seven shepherds, who passed it on to the seven churches. When the Man-child Jesus sent His shepherds out, He called them “apostles”, meaning “one sent forth”. In other words, the shepherds were the Man-child's messengers to the churches. As a type of the Man-child, John on the Isle of Patmos was “a partaker with you in the tribulation” (Rev.1:9) when he was caught up to the throne of God and given a revelation of the coming tribulation to give to the seven churches. (4:1) After these things I saw, and behold, a door opened in heaven, and the first voice that I heard, [a voice] as of a trumpet speaking with me, one saying, Come up hither, and I will show thee the things which must come to pass hereafter. (2) Straightway I was in the Spirit: and behold, there was a throne set in heaven, and one sitting upon the throne. Like Jesus, he was given a revelation of the apostasy in the Church and told to send it to the seven churches by the hand of seven angels. (1:11) ...What thou seest, write in a book and send [it] to the seven churches.... (Rev.2:1,8,12,18; 3:1,7,14) To the angel of the church in Ephesus (and so with Smyrna, Pergamum, Thyatira, Sardis, Philadelphia, Laodicea) write.... “Angel” in these cases is the Greek word angelos meaning “messengers” and is also used of ministers in the New Testament (Example: Luk.4:24,27; 9:52). The equivalent Hebrew word in the Old Testament is translated “messenger” when speaking of priests (Mal.2:7), John the Baptist, and Jesus (Luk.3:1). Since it doesn't make sense that John sent the revelation by angels, he must have sent it by seven minister messengers to the seven churches. This is exactly what Jesus did as Man-child. He shared His revelation with minister messengers, who shared it with the seven churches.
Contrary to age-old prejudices, the wealth of the rich is not the cause of the poverty of the poor, but helps to alleviate that poverty. No matter whether it is their intention or not, almost anything that the rich can legally do tends to help the poor.
Sermon by Apostle Ren Schuffman America turns 250 this year, and while that milestone deserves celebration, there is something far deeper happening beneath the surface. This anniversary aligns with the completion of five full biblical Jubilee cycles, each spanning 50 years, and understanding what that means could change the way you see the church, the nation, and your own life right now.Contrary to what many have been taught, America was not founded as a secular nation. The historical record is clear. Benjamin Franklin called for prayer at the Constitutional Convention. The first Continental Congress opened in Christian prayer. John Adams wrote that the founding was built on the general principles of Christianity. George Washington declared it the duty of all nations to acknowledge the providence of Almighty God. And on the very day the Constitution was signed, America became the first nation in history to take a legal stand against the slave trade, driven by founders who understood that the gospel and human bondage could not coexist.But the deeper story is about Jubilee. In Leviticus 25, God established a 50-year cycle in which debts were canceled, captives were freed, and lost inheritance was returned to its rightful owners. Jubilee was God's declaration that loss is never the final word. And it was never just an Old Testament concept. Jesus announced the Jubilee Himself in Luke 4, quoting Isaiah 61 and declaring the favorable year of the Lord had arrived. He was not pointing to something coming. He was announcing something that had already begun.Jesus is the kinsman Redeemer, the one described in Leviticus 25 who steps in to buy back what a family member lost. He became flesh to be kin to humanity. He had the rights of the Son of God. He paid the price with His own blood. In Revelation 5, John sees a sealed scroll in the hand of God, the cosmic deed to all creation, and weeps because no one is found worthy to open it. Then the Lion of Judah steps forward. Jesus opens the scroll and reclaims not just Israel but every tribe, language, people, and nation.Now, at 250 years, the church in America faces a defining moment. In recent generations, believers have quietly retreated from culture, education, government, and public life. Ground was surrendered that was never meant to be given up. But Jubilee declares that what was lost must be returned. The kingdom of this world is becoming the kingdom of our Lord. The church is not called to hide. It is called to advance.If you have ever wondered whether God is still at work in America, whether the church still has a role to play in culture and society, or whether the losses in your own life are truly permanent, this message is for you.Keywords: biblical Jubilee, America 250th anniversary, kinsman Redeemer, Revelation 5 sealed scroll, Luke 4 favorable year of the Lord, Christian founding of America, church and culture, reclaiming your inheritance, Leviticus 25 Jubilee, Jesus as Redeemer, prophetic word for America, kingdom of God, Christian history America, founding fathers and Christianity, Jubilee year 2026https://www.ffc.church (Our Website) https://www.facebook.com/freedomfellowshipokc (Follow us on Facebook) https://anchor.fm/freedom-fellowship/message (Subscribe to our Audio podcast) Were you blessed by this message? Give to help us spread the gospel https://www.ffc.church/give
This is for us! Black women need rest too. Contrary to what culture may negatively believe about Black women, we are human and deserve, rest, care, love, and nurture. The past couple of years have intensified the disenfranchisement of Black women in areas of employment, opportunities, and even in the church. It is nothing new for Black women, but the intensity is more insidious, blatant, and unapologetic, from the perpetuation of negative stereotypes to the stripping of our dignity. Black women may seem to have shields of power to withstand the attacks, but do we not bleed when we are pricked. Let's talk about it. www.talkingwithdrtoy.com
Mindy Diamond on Independence: A Podcast for Financial Advisors Considering Change
With James Woodfall, Communication and Behavior Specialist, Raise Your EI As AI makes expertise more accessible, what becomes an advisor's true advantage? EI expert James Woodfall explains why authentic human connection may be the one thing technology can't replicate. In Summary As artificial intelligence reshapes how information is delivered, financial advisors are being challenged to rethink what truly differentiates their value. Mindy Diamond sits down with James Woodfall, a former wealth management business owner turned emotional intelligence expert and founder of Raise Your EI, to explore why emotional intelligence may become one of the profession's greatest competitive advantages. Together, they discuss how rapport, curiosity, and authentic human connection influence trust, referrals, leadership, and client loyalty and why those skills can be developed just like technical expertise. The conversation also examines the difference between AI's “synthetic empathy” and the authentic relationships clients continue to value—and why that distinction matters to financial advisors now more than ever. The Storyline For decades, advisors have built successful businesses by combining technical expertise with thoughtful financial guidance. But as AI makes information more accessible and planning tools more sophisticated, expertise alone is becoming less of a differentiator. James Woodfall believes the future belongs to advisors who master something technology cannot authentically replicate: human connection. Drawing on his experience as both a former wealth management firm owner and a specialist in communication and behavioral science, James explains why emotional intelligence isn't simply a “soft skill.” It's a business skill that affects nearly every aspect of an advisory practice—from building trust and earning referrals to leading teams and helping clients make difficult decisions. Mindy and James explore why asking better questions matters more than having better answers, how curiosity creates stronger relationships than scripts ever can, and why advisors who create memorable client experiences may find themselves even more valuable in an increasingly automated world. The conversation ultimately reframes AI not as a replacement for advisors, but as a catalyst forcing the profession to rediscover the uniquely human qualities clients have valued all along. Topics Covered Emotional intelligence as a business skill Building trust through rapport and curiosity Authentic empathy vs. synthetic AI empathy The psychology behind client decision-making Why referrals are rooted in emotional outcomes Coaching advisors to improve communication Leadership and emotional intelligence AI's impact on advisor differentiation Creating premium client experiences Future-proofing advisory businesses > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why do better questions lead to better financial advice? (6:10) James explains why financial planning is only as good as the conversations that precede it—and why understanding a client's fears and aspirations leads to better outcomes than simply gathering financial facts. How does emotional intelligence translate into business growth? (15:30) Rapport isn't simply about making clients feel comfortable. James discusses why advisors who build trust quickly tend to earn more referrals and become significantly more referable. Can emotional intelligence actually be learned? (37:05) Contrary to popular belief, emotional intelligence isn't an innate personality trait. James explains why it is a trainable skill and how advisors can intentionally improve it throughout their careers. What makes authentic empathy different from AI? (39:10) One of the episode's most compelling discussions explores the difference between AI's ability to simulate empathy and the authentic emotional connection that develops between two people. Why should advisors think more about experience than efficiency? (45:10) Clients don't always pay more for information. Often, they pay more for confidence, judgment, reassurance, and the experience of working with someone they trust. Will AI replace advisors or elevate the best ones? (46:55) James shares why he believes AI is more likely to automate routine work while making relationship-centered advisors even more valuable. Key Takeaways Emotional intelligence is a measurable business capability—not simply a personality trait. Stronger client relationships begin with curiosity rather than advice. Advisors who solve emotional concerns make it easier for clients to recommend than advisors who simply deliver technical expertise. AI may replicate information, but authentic trust remains distinctly human. Premium advisory relationships will increasingly be defined by the experience clients receive—not just the answers they're given. Emotional intelligence improves leadership, client retention, referrals, and advisor well-being. The firms that embrace both technology and human connection will likely be best positioned for the future. https://youtu.be/xlQMQm6mqtc Quotable Moments “Rapport building is one of the foundational things for trust building.” “It's not real empathy. It's synthetic empathy.” “If all of our decisions were made on price, Ferrari wouldn't have a business.” “The advisors who create authentic human connection may be the ones who remain untouchable.” FAQs What is emotional intelligence, and why does it matter for financial advisors? James defines emotional intelligence as the ability to recognize, understand, and influence emotions in ourselves and others. For advisors, those skills strengthen communication, trust, leadership, and client relationships. Can emotional intelligence actually be developed? Yes. Unlike IQ, emotional intelligence can be improved through intentional practice, feedback, coaching, and greater self-awareness. Why do referrals have so much to do with emotional intelligence? Clients often remember and recommend how an advisor made them feel more than the technical work performed. Solving emotional concerns creates stories clients naturally share with others. What does James mean by “synthetic empathy”? AI can recognize language patterns and respond empathetically, but it doesn't genuinely experience human emotion. James argues that authentic empathy remains one of an advisor's greatest competitive advantages. How should advisors think about AI? Rather than viewing AI solely as a competitor, advisors should use it to improve efficiency while investing more time in conversations, judgment, and relationships that technology cannot fully replace. What is the biggest mindset shift advisors should make? Stop viewing emotional intelligence as a soft skill. Treat it as a business skill that directly influences growth, leadership, client loyalty, and long-term differentiation. James defines emotional intelligence as the ability to recognize, understand, and influence emotions in ourselves and others. For advisors, those skills strengthen communication, trust, leadership, and client relationships. Yes. Unlike IQ, emotional intelligence can be improved through intentional practice, feedback, coaching, and greater self-awareness. Clients often remember and recommend how an advisor made them feel more than the technical work performed. Solving emotional concerns creates stories clients naturally share with others. AI can recognize language patterns and respond empathetically, but it doesn't genuinely experience human emotion. James argues that authentic empathy remains one of an advisor's greatest competitive advantages. Rather than viewing AI solely as a competitor, advisors should use it to improve efficiency while investing more time in conversations, judgment, and relationships that technology cannot fully replace. Stop viewing emotional intelligence as a soft skill. Treat it as a business skill that directly influences growth, leadership, client loyalty, and long-term differentiation. Related Resources Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com The Paradox of Choice Traps Successful Advisors Freedom vs. Familiarity: Is It Worth Disrupting Comfort for Something That Might Be Better? Guest Bio James Woodfall, founder of Raise Your EI, is a former financial planner who now advises financial services and firms on how they can leverage emotional intelligence (EI) to improve individual and organizational performance. He is the co-author, with Cliff Lansley, of “The Heart of Finance,” which teaches finance professionals to develop the emotional intelligence needed to build effective and profitable client relationships. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… Emotional Intelligence: The “Untouchable” Differentiator in an AI World A conversation with Mindy Diamond and James Woodfall, Communication and Behavior Specialist at Raise Your EI. Mindy Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Emotional Intelligence: The “Untouchable” Differentiator in an AI World. It’s a conversation with James Woodfall, Communication and Behavior Specialist from Raise Your EI. I’m Mindy Diamond, and this is the Diamond Podcast for Financial Advisors. At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our Annual Advisor Transition Report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. For years, advisors have competed on expertise, the ability to solve problems, deliver answers, and provide guidance clients couldn’t easily find on their own. But today, those answers are becoming easier to access via artificial intelligence and tools like ChatGPT, Claude, and Perplexity. AI can generate planning ideas, summarize complex topics, and answer questions in seconds. As the technology continues to improve, it raises an important question. If information becomes increasingly commoditized, what will clients continue to value most? My guest today, James Woodfall, is the Founder of the training firm, Raise Your EI, and a former wealth management business owner. James now helps advisors, leaders, and organizations strengthen the communication and behavioral skills that drive trust, influence, and performance. Skills rooted in emotional intelligence or EI, something that AI cannot authentically replicate. What’s interesting about James’s perspective is that he doesn’t view emotional intelligence as a soft skill. He views it as a business skill, one that impacts how advisors build rapport, earn referrals, lead teams, deepen client relationships, and ultimately differentiate themselves in an increasingly competitive marketplace that includes human and machine-driven advice. Our conversation explores why rapport is the foundation of trust, how emotional intelligence can be developed like any other professional skill, and why advisors who learn to create authentic human connection may be best positioned to thrive alongside AI, not compete against it. Or as James puts it, remain untouchable in the face of a changing world. Because while technology may continue to reshape how advice is delivered, the experience of being understood, trusted, and guided by another human being remains remarkably difficult to replicate. So, let’s get to it. James, thank you for joining me today, especially coming all the way from the UK. I’m grateful. James Woodfall: Thanks for having me on. Mindy Diamond: So, let’s start at the beginning. You’re a different kind of guest for us, and a topic that is near and dear to my heart because I’m always all about emotional intelligence and EQ, but it’s a topic that sometimes can feel a little squishy to some folks. So, tell us a little bit about your background and really how you got into the world of wealth management. James Woodfall: I got into wealth management probably was by accident while I was, I think about 19 years old. I got a job at a bank because I was living with different jobs and it was the first company that would take me. So I ended up working in a bank as a cashier in a branch. And then after a series of different career moves, I ended up running my own wealth management firm for about nine years, which I sold about three and a half years ago. Around the time that I was selling it, I did my first master’s degree in communication and behavior analysis, and that’s when I started taking a bit of a deep dive into understanding emotional intelligence and behavior and communication. But really, I started that journey before I sold my wealth management company, and really the goal was, how can I become a better financial advisor to my clients by having a better understanding of their psychology behavior around money so that I could communicate with them more effectively, help them build their plans? So I had a bit of a… like a lot of people I speak to in wealth management, they fell into it. Mindy Diamond: So, a lot to unpack there and I’m fascinated by your story. Tell us a little bit about how you began to use or leverage emotional intelligence. You say you got into it or were fascinated by it because it was a way of helping your clients. So, talk to us a little bit about that. How did you begin to see the impact long before you started this business? James Woodfall: So going back a couple of steps to that. When I started the business, it was very transactional. You’d sit down with the client, you find out about what sort of assets they have, what type of plans they have already, and you look for gaps where you can optimize things, or there was a product which they need which you didn’t have. But I moved away from that type of service to a financial planning led service. So, where actually before we get talking about, well, how do we structure your world? We spend a lot of time building a plan in cashflow modeling software. So the one that I used was over at a company called Voyant, and effectively I build a cashflow plan for the clients, which would map out based on assumptions of what age they would reach financial independence. And then that then would then move on to, how to we optimize your holdings? Now what occurred to me pretty quickly in offering that service is that the outputs from that type of exercise are only as good as the inputs. So you’re really relying on the client to be able to come up with the answers to the questions that you ask them to make the financial plan work. And in my experience, quite a lot of the time you sit down with these people and you ask them, “Imagine you’re retired, what does an ideal week look like for you?” So, what I realized is actually I was asking clients a lot of questions which no one had ever asked them before, such as, “If you go retire, imagine you’re retired tomorrow, what does your idea week look like?” Very rarely do we get asked that day-to-day, especially not from friends, family members, certainly. So I went off and actually did a diploma in coaching because I thought initially I want to become better at actually getting people to think about the future and think about plans. And in doing that, I ended up wanting to take a bit of a deeper dive into understanding behavior at a higher level. So that led me on to getting my masters. Impacts on clients though is that I became, and me as well, is that I became a far better listener first. So I listened first, I stopped making so many assumptions as I found I had about people. And really, I think that changed the dynamic in terms of me constant, I suppose, dictating to people about what they should be doing. So of course that’s what a good advisor does, isn’t it, is advice. You switch around into actually making sure you’ve got a deep understanding of people’s hopes, fears, goals, dreams, and then ultimately, you can help them better in terms of optimizing their financial plans and wealth. Mindy Diamond: Yeah. 100% of what you just said speaks to me in a big way, because that is 100% our philosophy. Most recruiters, I don’t mean it disparagingly, but most recruiters in general are pretty transactional. They see a hammer, they see a nail. So, a recruiter sees a financial advisor and he’s a means to an end to making a deal to a transaction. And our whole approach from day one was never about seeing you, financial advisor, as a transaction, but rather first and foremost, wanting to understand what’s important to you. And we get told all the time that we were asking questions that nobody ever asked them before. And I want to unpack it more, because I love what you’re saying. The goal as far as I see it is not just to ask a bunch of questions nobody asked before, but it’s to ask questions as a means to an end, to start out by asking questions that make somebody comfortable that tell them that you care about them. Then it’s about asking questions that they’ve never been asked before because the answers to a question like, “How do you see yourself behaving in retirement,” has everything to do with how much money they’ll need to retire. So, one informs the other. In our world asking somebody, “What are the things that spark you and what are the things that really don’t? And what will you do with this information?” And all those sorts of questions are questions many people had never been asked before, especially if somebody was looking at them as a transaction. And yet, it’s what deepens relationships, it’s what creates trust, and it’s what allows you to identify me as a recruiter, identify the best solution or the best opportunity for someone. So, do you agree with that? Is there anything that I’m off about? James Woodfall: No, that’s exactly the point. I think I’m asking better questions as a wealth manager talking to your client. Because ultimately this is, I suppose, one of the things which comes from understanding emotional intelligence, is that for most of us, we make decisions in motion first and then we justify with logic and reasoning, which is basically back to from. If I was to start with logical reasoning and then expect people to make a buying decision. And so a lot of the time, especially with things like retirement savings, for example, because it’s in the future, it’s over there, especially if it’s 10, 20 years away, people think, “Well, why will I give up so much money a month now for something which is so far in the future that I can’t comprehend it yet?” But if you start reigning the questions in a way which gets to kind of the… Really what you want to uncover is, if you wake up at 3:00 in the morning and you can’t get back to sleep, what’s on your mind? Because if you can uncover that emotion that fits all that kind of pain or problem, then you deal with emotion first and logic second. Mindy Diamond: And it tells you what you need to solve for, right? James Woodfall: Exactly, yeah. Mindy Diamond: If what keeps me up is I’m worried I’m going to outlive my money, and you know that’s your true north in terms of how you begin to tackle that they’re thinking about the future, they want you to focus on the long term. Right? Is that what you get from that? What’s the typical answer you get to that question, that one in particular? James Woodfall: For retirement planning, it’s usually clusters around. “Well, I’m not sure I’m making the right decision. There’s lots of options that are complicated. But really, actually, am I going to have enough money? Am I going to run out?” Because it’s the big question, isn’t it? How long are you going to live and how much are you going to need? Mindy Diamond: Right. As I was preparing for this interview, I think I know the answer because I’m a person that lives in this world that believes fully in, I don’t have a degree in behavioral finance but I’m big on emotional intelligence, connecting, developing trust, and that I don’t have any right to sell anybody anything or suggest anything unless I’ve connected on an interpersonal level. But I don’t know that everybody believes that. So help us, our listeners to understand, why does this matter to financial advisors? So, I’m going to give you two examples. I’m a younger advisor that has, say, five to 10 years in the business, say $100 million or 100 million pounds under management and is looking to really build a business. How and why does the concept of emotional intelligence, of EI, matter to me? And then I’m going to ask you the same question again with respect to someone who manages a billion dollars or a billion pounds. How and why does it matter? James Woodfall: Yeah. I think probably a starting point is, let’s just clear up I suppose in definitions so that we understand what we’re talking about when we say emotional intelligence, it’s an EQ. Because I suppose let’s think about, let’s call EQ the measurement, and emotional intelligence is the concept. So the definition of emotional intelligence is it’s an ability, and it’s this ability to understand and influence emotions in ourselves and others. So within ourselves, can we perceive and understand our own emotions? What turns them on? What triggers them? Can we do something about that? Can we recognize it, manage it in the right context, or either initiate our emotions in the right context? And can we do that when we’re talking to other people? So, are we good at perceiving people’s emotions within different contexts, and are we good at influencing and utilizing that information to help us communicate more effectively? So, these are skills which requires regard within those two roles to make you effective. And so, one of the things that we’ve learned from probably 30 years of people studying emotion intelligence is that if emotion is involved within the job role, emotional intelligence correlates with job performance and has a meaningful impact on the difference between an average and a big performer. So regardless of whether it’s one of the two scenarios that you’ve said, performance improvements are always on the table. But one of the things which tends to happen as you move from, say, up in terms of the money that you’re managing is the stakes get higher. So quite often, you actually need a much far higher degree of self-management, a higher degree of self-awareness, a higher degree of ability to perceive emotions in others, and to be able to communicate with influence. Because quite often as you are dealing with clients who are more affluent, there’s a correlation between actually the skills that your clients have and the skills that they expect you to have as an advisor. So the higher you go up that sort of ladder in terms of value, the more effective you need to be. So that’s where that EQ measurement. If you had to sit down and do an EQ assessment, for example, you need to be scoring way above average the higher up you go. Mindy Diamond: How will somebody begin to notice that developing the emotional intelligence muscle, developing the quantity of EQ, how will that begin to show up and impact their business? James Woodfall: There’s a couple of ways, and I think it really does show up in self-awareness and self-management and awareness and understanding of others. So one of the things which will show up in terms of that awareness and understanding of others is, can you build trusted relationships quickly? So like those skills that we were talking about before about asking better questions and listening, especially the first time you meet a new prospective client, if you can really turn your ears on and get very, very curious about the person that you’re talking to, rapport building is one of the foundational things for trust building. And really, if you get rapport building right, one of the goals should be to find common ground early, because the minute that you can build a connection with people and you start uncovering things that you’ve got in common, it starts signaling to people that actually you’re someone who is like them, on their side, and that they’re someone that you can trust. Now people who get this right, they tend to close more clients and they tend to gain more referrals or recommendations to other clients. And when I used to run my business, referrals was the largest source of new clients. Every single year, all the other different marketing streams, they didn’t produce anything near referrals. And I think back to that, if you look back to the kind of retirement example, if you can really get an answer to that question of, you wake up at 3:00 AM, what’s on your mind, what’s up when you’re getting back to sleep? If you can uncover that and solve that, for a client, it’s far easier to articulate that to a friend than it is for them to explain the technicalities of what you did with their retirement savings. But it’s easier to articulate, “You should absolutely go and see James. We were worried about whether we’re saving enough, he solved that, it’s brilliant, you need to go and see him.” That’s what I mean, is that they’re able to articulate the emotional outcome. Mindy Diamond: Even though what we’re talking about here is someone making the case that strengthening one’s emotional intelligence will make you a better advisor, easier to say that, sounds logical. But you’re connecting it to, you’re saying that someone who actually gets this right, gets it better, is going to create more of an instant rapport rooted in trust, and likely grow their business because it makes them more referable. And those are things that certainly every young advisor wants, but every advisor wants. So, let me switch the tables a second. I get why a young advisor with 100 million wants to get to a billion, why this is really important. They want to do everything they can to really make themselves the most referable. But let’s take the advisor that’s on the back nine that has been doing this 30 years, manages a billion and a half of pounds, dollars in assets under management, is growing by referrals and it’s an organic referral stream. It’s a business that feeds itself. So, while everybody always needs to be in business development mode, they feel like they’ve cracked the code, they’ve got it covered. How and why does this concept impact a senior advisor, someone with a much bigger, more robust book of business? James Woodfall: Yeah, it’s interesting. So if we take a bit of a step back and look at a bit about what some of the research says about the impacts of emotional intelligence, there have been some studies done within financial services about the impact of your training on business outcomes. So there was a study done probably around about between 2000 and 2004 with Ameriprise, and they brought their agents through a year-long emotional intelligence development program. And it was interesting, they measured at the beginning of the program EQ, what someone’s EQ score was, but they measured things like health, anger, trade anger. So, how often were people experiencing anger, stress, and burnout. So they’re measuring all sorts of things other than EQ just to see what the impact of EQ training was. Now EQ scores went up, sales went up, I think on average of about 24% across four cohorts. But things like stress, burnout, health outcomes, perceived health outcomes, people are asked to rate, how would you rate your health, that went up. Experience of anger went down because people become better at managing it. So as you look at the kind of example that you described, I would say that as someone who’s in that stage of the career where they may not have the capacity to take on more clients. So just think, well, actually, I don’t want an uplift of 20%, 24% in sales because I might not process that. But one of the things which I suppose the EI research shows actually is that it impacts your quality of life. And there is finding which is quite common in research, is that actually EI scores correlate with age. So as we go through life and we have sort of ups, downs, highs, lows, and we learn from those. We learn from our emotional experience, and that’s hypothesis, is it feeds into our EQ score. So you’ve probably got people at that later stage of their career who actually probably have had experience which has developed their emotional intelligence. They’ve got mature standing, which means that they might not necessarily need to go out and find new clients. They’ve got experience, which has helped them develop client relationships, but they might want to take a step back at quality of life. If they’re experiencing stress, burnout, pressure, EQ can help absolutely with all of those. The other thing which is quite common as well is that if they’re playing any sort of leadership part within that business now, let’s say if they’re a business owner, EQ absolutely is key for leadership performance. So making sure that you’re building a team of people around you, you can help you develop the business. And actually, EI and leadership’s one of the biggest areas where research has been focused. But I think one of the other things I’ve got to say is that we’ve all got blind spots. It doesn’t matter where we are in life, we’ve all got things that I suppose that we could be better at. And actually shining a lens on those and improving our self-awareness is something that you can develop at all stages. Mindy Diamond: A lot of people in our industry, whether it be a recruiter or an advisor themselves, believe that efficiency or being most effective and efficient is the true north. And that to ask what may fee like unnecessary or ancillary questions that don’t directly get to help me to figure out what your asset allocation is so that I can grow your portfolio, may feel ancillary. And so, is that one of the most common objections you get when somebody, say, comes to you and they’re thinking about retaining you and they’re wondering what the benefit is? James Woodfall: Well, I think the people in firms I tend to talk to, there’s a couple of common things that are coming to mind now. One is pressure around fees. So, how can I make sure I’m articulating my value in a time where clients are more informed, they can go on AI and they come to meetings prepared with answers, and they’re challenging back around the value that advisors can provide. So getting back, I suppose, and the answer is funnily enough, is actually if you’ve designed your service around a proposition which makes yourself easy to replace by someone else who can do it for the same or cheaper price with a promise of better performance, or even in the years coming, a robo-advisor, it’s going to be challenging to retain and grow clients. But I’m not particularly worried about AI. The other types of firms that come to me is to say, “Look, we’ve identified actually that we need to think differently about our business model, what we do and who we serve, because it’s going to be easier than it’s ever been for clients to come up to do some of these things themselves.” But absolutely what is untouchable, I think, is this ability to create a human connection, to sit down and discuss a range of different options. “Do I do X, do I do Y? What are the trade-offs if I choose that over that?” And to uncover those things which, as I said, really keep people up at night and solve for them. I think it’s going to be quite hard to replicate that digitally. Mindy Diamond: So I want to get to a end that you hit the nail on the head, and I want to delve deeper into it. Whatever the advisor is looking for, they may not worry about pressure around fees, they may not be kept up at night. They have a practice or a business that’s worked well all these years and is growing organically and it’s more than good enough. But anybody who isn’t concerned about the potential impact of AI on their business and whether they’re a financial advisor or recruiter or anybody else, is living under a rock. So, the goal for everyone should be to make yourself untouchable. And you hit it on the head, it’s the ability to create human connection. So, I want to ask you something. It occurs to me, you talk a lot about learning to ask the right questions. In some cases, the questions that a client never been asked before makes sense to me. But I think the real skill, I mean, I imagine anybody can teach you a list of questions to ask. The real skill comes in is knowing what to do with that information. So, let’s assume that someone says an advisor says you ask that smart question, “What keeps you up at night? What do you think about at 3:00 AM?” Pressure around fees. I find people, clients asking me, prospects asking me all the time what sort of value I can add, whether it be in the land of AI or competitively, whatever it is, pressure around fees. What do you do? So you’ve asked the smart question, but what do you teach? What do you do with that information? James Woodfall: It’s a mindset, I think, because having just say a list of questions I don’t think is really helpful to any advisor when you’re training them. And yet I find I do get people who, okay, say, “Well, look, what questions should we ask? Have you got a list of questions that you would ask?” I hold back giving those out because I think that, well, that’s what I would say. It’s not necessarily going to land the same way if you say it. The mindset I’m trying to teach advisor is to adopt a curious mindset. So not asking questions for question’s sake, but if I’m talking to someone, what I want to do is I want to understand, how are you thinking? How do you see the problem? What assumptions are you making? What things do you believe which maybe don’t line up with how things are in reality, or goals, objectives, or whatever it is. So I’m trying to understand how you think, and that requires not asking questions off a list of great questions to ask, comes off of understanding the format for that, is utilizing the open questions to gather information, to check assumptions that might sit behind them, because actually understanding those assumptions is really, really useful. And to then summarize and play back to someone that you’re talking to so that you can demonstrate that you’re listening and you deeply understand them, and being able to summarize and be able to succinctly put their words into a, “Well, what do we do next about this?” Mindy Diamond: Yeah, and, why does it matter? I love that because what I always say is it’s art, not science. AI could give you a list of, if I put in the topic of emotional intelligence and give me a list of 10 smart questions to ask relative to X. One of the questions I would ask someone from an emotional perspective that demonstrates I have strong emotional perspective relative to pressure around fees, AI could spit out the questions. But I think you’re 100% right. The real key is being a good listener and meeting someone where they are. And it’s not about a prescribed or canned list of questions that demonstrate you have strong emotional intelligence. It’s much more about asking the right next question, saying the right thing, the validating statement afterwards. And not as a means to an end, not as a means to a transaction, not as just a way of checking the box, I have emotional intelligence, but really because demonstrating that you deeply care. And I like what you said, the notion of a changed mindset. Do people get that right away? I guess what I’m asking is, financial advisors, while smart ones who are looking to make themselves untouchable by AI will get that concept. They’re looking to differentiate themselves and they’re looking to hone the skills that AI can’t bring to the table. But at the same time, financial advisors are number oriented and goal oriented. And so, how long does it typically take to begin to see, or how do you paint the picture about getting from here to there, connecting the dots between strengthening changing your mindset, strengthening your emotional intelligence, and seeing more results? James Woodfall: Well, look, it’s about behavior change, isn’t it? Like any kind of behavior change, there has to be a few things at play. One is that you have to have a good understanding of where you are right now, what things that you are good at, but what things you need to work on. And then effectively the things you need to work on, you need a plan of how you’re going to work on them. So I think commonly how you develop these kind of relational skills is that you need to be able to get close to, what does the goal look like? Where am I headed? If I get this right, what’s it going to look like? And then you need to have a plan to get from A to B. And actually part of that plan has to be built around good feedback. And I was quite lucky where during my career, I worked for two large banks before I started my firm. And I had really, really good training from managers that I worked with, almost on a monthly basis would come and sit in my client meetings and then feedback to me about what I could have done better. And so actually, if you’re going to really commit to developing, I suppose relational skills and becoming more emotionally intelligent, you need help from someone within your firm or externally to come in and actually observe you by trying out new things and giving you feedback. Now of course, you could do some of that yourself if you’re doing a virtual meeting, you could hit record, play it back, be your own analyst. But quite often we can’t see that ourselves, but if you’ve got say a third party, they can watch you in action. Quite quickly they can hone in and say, “Well, actually, you could have asked a different question here, or actually if you’d phrased that like this, you might’ve got a bit more information, or the client closed down when you ask that question.” So actually then, you start to create that behavior change. So feedback I think is one thing, but actually aligning it with really, values, I think. So, one of the things that I suppose is quite important for behavior change is that we are motivated to do things where we strongly believe it’s the right thing to do. So, I think which is why it can be quite difficult for a firm to bring in with a team of advisors and say, “Well, we’re going to roll out emotional intelligence training,” because you’ll get some of us go, “This is brilliant.” Mindy Diamond: Eye roll. I would imagine eye roll is the… It can be a lot of the response, right? James Woodfall: You get a lot of resistance, because some people see it as a criticism of just saying, “Well, actually I’m good at that. I don’t need training in that, thank you very much.” Mindy Diamond: And because if efficiency in getting to a goal is the true north, I mean, I think the mindset shift you’re talking about is going from believing that getting to the goal by just asking the right numbers and dealing in data, changing that from it’s about building a relationship, which ultimately will impact the amount you manage and how you grow and how you connect and all of that stuff. But for people that are goal-oriented, linear in their thinking, I imagine this can be not just felt as a criticism but hard to embrace. James Woodfall: Oh, yeah, no. I think we view the brain as kind of a black box. I do get people I speak to, they go, “Mental health isn’t real. And all of this is psychobabble,” but from the people that I’ve had feedback from, and this is even for people I haven’t trained. I wrote a book about 18 months ago about the topic which talks about emotion intelligence within the 5X context. I’ve had people contact me on LinkedIn and say, “Look, I read your book. I’ve been following your content for a while. I’ve put some of the ideas to work, and I’m now getting my manager and their manager contact me and saying, ‘What are you doing differently?’” Because all of a sudden they’re opening up conversations with clients that they couldn’t before, doing business with clients where they couldn’t before. And all it is that this kind of focus on the client, the relationship, building that connection, and all of a sudden you start seeing that convert into more sales opportunities. Mindy Diamond: Yes and more yes, because that’s always been our philosophy, my philosophy from starting the business and our philosophy, and I couldn’t agree with you more. You articulated it probably as did, I got to it instinctively. You have research behind it, etc. By the way, for our listeners, we will link your book in the notes for this episode if anybody’s interested in buying it. But you hit the nail on the head, so, or you took the words out of my mouth in terms of next question. Who are your clients? Are they individual advisors? Are they independent RIAs? Are they Morgan Stanley and Merrill Lynch? And what kind of work do you do for them? James Woodfall: So, I do, there’s probably two parts to my business. One is the consulting training part, which is going into firms, typically firms that were the owner managed typically, where the owner either is still advising or has a big impact on other behaviors of the advice team that’s underneath them. And really, I work on a consultancy basis. So rather than going and just provide EI training, what I do is effectively start with understanding the business. So exactly as I’ve been talking to you about, the process I used to follow as an advisor, it’s the same process I follow when I’m working with practices, is I want to find out what’s going well in the business. Where are the blockers, what’s not going so well? And I’m a social science researcher. So I’d want to spend some time in the business actually doing a bit of a deep dive and maybe speaking to the team while the owner’s not in the room and finding out a bit about how they’re seeing things. Because ultimately, what that will do is it allows me to look at thematically extracting what types of training interventions might move the needle within the business. And then I put that onto a report for businesses and say, “Look, this is what I think we should be doing.” Some of that might be me working one-to-one, doing that coaching, observing, training with particular people in the business who have been highlighted as requiring development, or it might be group training, might be taking the whole teams through a training program. And then following up, helping build those development plans, and then being there supporting with the one-to-ones as they bed in that behavior change. So, that’s one part of the business. The other part of the business is working for the larger firms. I’ve done a bit of work for Fidelity this year and last year, and they’re looking to hire me as an authority expert on the topic to put together training programs that go out to the advisors that they work with. So, there’s the two aspects, like an external speaker trainer that’s brought in by some of the larger companies. And then the other one is a bit more hands-on, applying not only the science but my experience of having been there and run a business. Mindy Diamond: Right. So are the big firms like… So you mentioned Fidelity, are the wirehouses, Merrill, Morgan, UBS, Wells Fargo, are they embracing this? Are the big banks embracing it, or is this largely in the RIA space right now? James Woodfall: In the UK, there’s been a huge kind of interest in emotional intelligence, behavioral finance, relational skills. And actually, a lot of the kind of people who require influential in the UK are actually based in the US. And so, I think there’s a good bit of crossover. We’ve got good people who are specialists in looking at the retirement piece from a retirement transition about, how do you support people through what is a profound psychological transition? So, I think the RIAs are really interested in it as a topic. Then we’ve got the larger institutions are interested in it either as the RIAs are clients of theirs and they want to be seen to providing thought leadership to the RIAs and helping them develop these skills. But also, we’ve got some quite large companies in the UK now here, like the banks, for example, the banks or the whole exited the advice market in around about 2012, 2013, and then this year they’re starting to come back. So they’ve had 15 years nearly out of the market and they’re coming back because they’re just wanting an opportunity for face-to-face advice. So, I think actually it’s a hot topic now and I think all segments of the market are looking at, how do they develop non-technical skills to help them succeed in the future? Mindy Diamond: Can someone who was not born with strong EQ, can they learn this? James Woodfall: Absolutely. One of the interesting things about EQ is it’s not like IQ, for example. IQ is our a sort of cognitive ability. There was some good research that was done probably about, I think 2016, which looked at, do you remember all this sort of brain training apps like, if you do Sudoku, do you get smarter? You get better at Sudoku, but it doesn’t translate into performance on another. You don’t get better at crosswords from doing Sudoku, for example. So, IQs are pretty much fixed and there’s not a lot we can do about that. But EQ has been shown to be a trainable ability. So regardless of where you are now, if you understand your strengths and weaknesses and put a plan together for improvement, everyone has the ability to improve their EQ. And it’s not like personality, for example, where it’s quite hard to shift the dial. Let’s say if you’re quite strongly introverted and you find social situations difficult, if you just took that approach and said, “Well, look, can we make you extremely extroverted?” The answer would be, well, probably not. But EQ absolutely helps that person because noticing that you feel uncomfortable in, say, a networking situation if you have to do that professionally, having the tools in the bag to manage that feeling and throw yourself into the experience, that’s EQ in action. So, it doesn’t matter your baseline of where you are, EQ can have a big impact on your ability to perform across a range of different contexts, home, work, with friends. Mindy Diamond: Yeah. Let’s talk about your comment that EQ or strong emotional intelligence is what can make an advisor untouchable by AI. And I assume the premise being that, I can’t replace a human relationship. It may be able to come up with the questions, but at least for today it lacks the ability to know what to do with that information and to create the human connection. Talk to me more about that. How and why is that? I mean, is that part of why people are coming to you, because they’re worried about AI encroaching on their business? James Woodfall: Where we are at the moment is actually AI… Let’s look at healthcare for a second. Chatbots in healthcare have actually been outperforming humans in some respects. So there’s a type of therapy called cognitive behavior therapy, that’s been run with AI agents and patients. And as researchers to show that actually, disclosure has increased when patients are speaking to a chatbot because cognitive behavior therapy is like it’s guided, is a method, it’s a methodology to it. But disclosure increases and this theory behind that is is that people open up more when they don’t feel like they’re being judged by another person. So that’s interesting, because that saying to us, “Well, actually, people are trusting AI agents with very, very personal information, and people are already getting that feeling of empathy with AI agents.” Because if you tell an AI agent something deeply personal and it says, “That must have been really difficult for you,” for example. Mindy Diamond: Yeah, it does that well. Wonderful feedback about how great you are or what a smart question you just asked. James Woodfall: Yeah, but it’s synthetic, it’s not real empathy, it’s synthetic empathy. Whilst we might feel actually we get that feeling that we’re being understood, it’s not real. And I think the advisor’s edge is, look, I think where we might end up with this is that if you take a step back and you do this kind of exercise of what’s my ideal client, the ideal client is, I think, now is someone who is still time poor. So yes, an AI agent might be able to interview you, build a financial plan, but do you really want to spend the time doing that or do you have any inclination to do that? No. Well, that’s a perfect client who would hire an advisor. They value human relationships. Obviously when we do get AI entering the advisor market, it’s going to be at a lower price point. So actually, we’re now talking about a difference between experience. So the experience of being with an advisor comes at a premium. So that experience is going to be what people are going to pay additional value for. So, it’s the experience of dealing with a human. It’s the experience of dealing with a human who can talk them through complex information and options, help them understand their thinking and apply judgment, connect with those emotional things. But there’s a whole range of information that we get when we’re talking face-to-face, which AI doesn’t have access to. So back to that retirement example, if we say, “Well, man, I’ve modeled your plan. If we do X, Y, and Z, you’re not going to run out of money when you retire. You’re going to be okay.” And then the person, usually what they do is they sigh with relief, which is actually the emotion of joy, relief is actually happiness. So that sigh of relief and the softening of muscle tension in the body that you see when you’re face-to-face with another person, AI can’t, doesn’t get that data. Mindy Diamond: And how powerful is that? So, why does that matter? If I say, “I have X, I need Y. I have X number of years until I retire. Will I have enough money to retire the way I want to?” AI can spit that answer out faster than any financial advisor and come back hopefully saying, “Yes,” they’ll know that I will experience relief and joy because I’ll write back saying, “Great news.” It’ll say, “Yes, that is fabulous news.” It’ll tell me why I’m relieved and all that sort of stuff. So, why does that matter? James Woodfall: I think fundamentally, it comes back to trust. For those people who can get that quick answer, they’ll go, “Yeah, that’s great.” But there’ll be some people who go, “Yeah, fine. I’ll take that answer at face value.” There’ll be other people who go, “Well, what if you made a mistake?” Quite interesting that actually, people will get the same answer from a human advisor and they’ll trust it more. And I think one of those things is because we’re wired for connection, so when empathy develops, it’s quite interesting. Something which you see in young children, for example, is when we develop at the very early stage, probably about three or four years old, before children have learned to self-regulate their emotions, you see emotional contagion in groups of children happen quite rapidly. You get one child who say gets a toy taken away from them and starts crying, and then all the other children at the same age in the nursery start crying. Now, none of those other ones are crying because they’re sad. They’re crying because we have these things called mirror neurons, which means we pick up and mirror the emotional state of people around us. So, you actually get an experience of shared feeling and especially if you’ve got strong rapport, strong relationship, you actually share emotions of the people around you. Now, of course, as we grow out of that developmental stage, we learn this ability to understand that actually what we’re feeling isn’t happening to us, it’s happening to someone else. But have you ever been around… My favorite example for this is, if my wife has had a bad day at work because she comes home and starts slamming the door and banging cupboards, why I start to feel anger, because it’s rubbing off, it’s in the room. So, it’s this shared understanding that I think is where the value is. And so absolutely the answer might be faster and quicker, but for some clients they value that experience of having that answer delivered by someone who understands them. Mindy Diamond: And I think, so the point is that there will be clients or prospects that will value the efficiency of AI, that don’t necessarily need the face-to-face, that don’t necessarily… They just want the answer. They want the answers to the test, they don’t care how you got there. But what you’re talking about is finding the clients that really value the human connection. And if that’s what in fact is going to make advisors untouchable, then they need to make sure that they really strengthen this skill. James Woodfall: It’s not just the answer, but it’s the whole experience that’s wrapped around that. So actually last year, and my wife took me to a restaurant and we had a lovely, lovely meal. And on the menu there was this cup of coffee and the beans were like one of the rarest beans in the world. They’re the ones that get eaten by this little animal with the jungle in it, poops them out, and then the beans get roasted. But it was about 40 pounds for this cup of coffee and I thought, well, I’m going to have that. But that’s the experience, isn’t it? I could get a cup of coffee at McDonald’s, but actually the experience of this, something which is rare, exclusive, delivered in an amazing environment, that’s what you’re paying for. So, you’ve got to remember that actually if experience dictates a lot of what we value as well. So because if all of our decisions were made on price, Ferrari wouldn’t have a business because everyone would just be buying the cheapest car that does the job. You’re going to think advisors that are going to operating in this space, well, they need to think about the whole package, as in the experience that the plan that’s delivered, and the advice. Mindy Diamond: But it speaks to the notion of any advisor that isn’t thinking about AI’s impact on his business and how to reshape or rewire the business, even just rewiring the value proposition, retooling their value proposition, how they explain their value and what they do needs to change because they’re competing not only with the advisor that sits next to them or down the hall, but they’re competing with AI. How about as AI, as you see AI develop? So fast-forward five years, you and I are talking about where AI is today, but AI is, God knows where it’ll be five years from now. So, how do you foresee, do you still foresee the advisor being untouchable if they get this right, five or 10 years from now? James Woodfall: I don’t think it’s financial advice that’s unique with this, because I think it’s any profession where at the moment human judgment and understanding are valued. Healthcare, for example, same thing, doctors follow consultancy process. You’ve got this like tax, legal, a whole range of professions which are all grappling on the same problem. So I think in five years time, I think the answer is, is that we just don’t know what AI will look like. But certainly in the moment, if you track what Claude are doing with code work, and what Perplexity is doing with its skills and add-ons, a lot of it is actually at the moment geared up to freeing up the advisor’s time so that they can spend more time with clients. So, I think at the moment this sort of trend is looking like AI companies want to support advisors to be way more efficient so that they can deal with more clients. But in five years time, who knows? I think probably one of the biggest leaps that will happen is when AI is no longer working from, say, just a transcript. If it gets out to that kind of chat where you can actually interact with an AI agent like you and I are talking, I think that’s going to provide a different experience, because then you’re moving it from, as I said, that kind of structure where somebody is stuck there tapping away at keyboard, having a conversation with a chatbot, effectively, to actually having a conversation with an embodied agent with a face, gestures, a voice. That I think will start to change things a little bit. Mindy Diamond: Yeah. Well, it will be an interesting future, for sure. This has been a fascinating conversation. I really enjoyed it, and thank you so much for sharing so graciously. Is there anything to wrap up that I didn’t ask you, that you would want an advisor to know about this concept or anything you’re thinking about? James Woodfall: I think we’ve taken a broad sweep and then a deep dive into certain areas. I think really probably have to get started. I think probably one of the… I mean, you mentioned obviously I’ve got a book that you share the links to, which is fantastic. Audiobook is available to that as well on Spotify or wherever audiobooks are listed. I think there’s a lot of good advice in that about how to get started. So, I think for people who are looking at covering that next step of, what do we do, it’d be, yeah, pick up a book and have a bit of a deep dive. If you want to skip the book and come straight to having a conversation with me, then I write a weekly email, which goes out once a week, which is just one topic. So very much like we’ve been talking today, I share ideas on that once a week, or on LinkedIn, I’m around on LinkedIn as well. Mindy Diamond: Good. Well, we will link all of it so everyone knows how to find you. Thank you again for being so gracious. Love the topic, love the work that you’re doing, love that there’s a need for it, and can’t wait to see where you go from here. James Woodfall: Brilliant. No, I enjoyed it. Thank you. Mindy Diamond: Thank you. As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibility seriously, and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? Is a book written with you in mind? It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. Emotional Intelligence: The “Untouchable” Differentiator in an AI World A conversation with Mindy Diamond and James Woodfall, Communication and Behavior Specialist at Raise Your EI. Mindy Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Emotional Intelligence: The “Untouchable” Differentiator in an AI World. It’s a conversation with James Woodfall, Communication and Behavior Specialist from Raise Your EI. I’m Mindy Diamond, and this is the Diamond Podcast for Financial Advisors. At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our Annual Advisor Transition Report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. For years, advisors have competed on expertise, the ability to solve problems, deliver answers, and provide guidance clients couldn’t easily find on their own. But today, those answers are becoming easier to access via artificial intelligence and tools like ChatGPT, Claude, and Perplexity. AI can generate planning ideas, summarize complex topics, and answer questions in seconds. As the technology continues to improve, it raises an important question. If information becomes increasingly commoditized, what will clients continue to value most? My guest today, James Woodfall, is the Founder of the training firm, Raise Your EI, and a former wealth management business owner. James now helps advisors, leaders, and organizations strengthen the communication and behavioral skills that drive trust, influence, and performance. Skills rooted in emotional intelligence or EI, something that AI cannot authentically replicate. What’s interesting about James’s perspective is that he doesn’t view emotional intelligence as a soft skill. He views it as a business skill, one that impacts how advisors build rapport, earn referrals, lead teams, deepen client relationships, and ultimately differentiate themselves in an increasingly competitive marketplace that includes human and machine-driven advice. Our conversation explores why rapport is the foundation of trust, how emotional intelligence can be developed like any other professional skill, and why advis
On today's show, former A Public Affair host, Zoltán Grossman, is back behind the mic in conversation with political anthropologist, David Vine. They talk about the on-again-off-again war between the US and Iran, the proliferation of US military bases around the world, and the scale of the US military budget. Vine's scholarship shows how US military bases are the linchpin of the expansion of the US empire, creating the conditions for perpetual war. Gulf States have hosted US bases for decades, making them targets in the US war with Iran. US bases encircle the globe and more are planned for construction in the Philippines. Contrary to the claims that these bases protect US democracy, in reality, they ramp up geopolitical tensions and harm the local communities they impose on. With an erratic and dangerous president at home, Vine says that we need to start closing down these bases because they continue to operate as launch pads for unjust wars. Close the bases, bring the troops home, and build up diplomacy, says Vine. With the $100 billion the US spends on these bases, Vine says we could be funding universal healthcare and free college education. David Vine is a political anthropologist and author of a trilogy of books about war and peace, including The United States of War: A Global History of America's Endless Conflicts, from Columbus to the Islamic State, Base Nation: How U.S. Military Bases Abroad Harm America and the World, and Island of Shame: The Secret History of the U.S. Military Base on Diego Garcia. Vine was a professor of anthropology at American University in Washington, DC from 2006 to 2024. He recently co-authored the Project On Government Oversight report The True Total U.S. Military Budget. Featured image of a map of US military bases in the Middle East via Wikimedia Commons (CC0 1.0). Did you enjoy this story? Your funding makes great, local journalism like this possible. Donate hereThe post The Network of US Military Bases Provoke Endless Wars appeared first on WORT-FM 89.9.
Original link: https://www.youtube.com/watch?v=ddlHPfVJKyc _______________________________________ To order Suicidal Empathy: https://lnk.to/SuicidalEmpathy To order a signed copy of Suicidal Empathy: https://premierecollectibles.com/suicidalempathy _______________________________________ If you appreciate my work and would like to support it: https://subscribestar.com/the-saad-truth https://patreon.com/GadSaad https://paypal.me/GadSaad To subscribe to my exclusive content on X, please visit my bio at https://x.com/GadSaad _______________________________________ This clip was posted on July 7, 2026 on my YouTube channel as THE SAAD TRUTH_2051: https://youtu.be/QZ6Pj5Pbcno _______________________________________ Please visit my website gadsaad.com, and sign up for alerts. If you appreciate my content, click on the "Support My Work" button. I count on my fans to support my efforts. You can donate via Patreon, PayPal, and/or SubscribeStar. _______________________________________ Dr. Gad Saad is a professor, evolutionary behavioral scientist, and author who pioneered the use of evolutionary psychology in marketing and consumer behavior. In addition to his scientific work, Dr. Saad is a leading public intellectual who often writes and speaks about idea pathogens that are destroying logic, science, reason, and common sense. _______________________________________
Contrary to a common—and incorrect—critique of Rothbard, he was not a fanciful purist who refused to support any political movement that failed to be perfectly libertarian in every way. Original article: https://mises.org/mises-wire/why-rothbard-sided-american-revolutionaries
Contrary to a common—and incorrect—critique of Rothbard, he was not a fanciful purist who refused to support any political movement that failed to be perfectly libertarian in every way. Original article: https://mises.org/mises-wire/why-rothbard-sided-american-revolutionaries
From the restaurant menu that has 10 pages of entre options, to trying to pick out a new set of ear buds on Amazon, to telling kids they can be “anything they want.” The anxiety around our seemingly unlimited world continues to increase. Tactically I think we must become more discerning. But conceptually I think it helps to understand that too many options are unhelpful, and why. So when a new book titled, INSIDE THE BOX: How Constraints Make Us Better, came across my desk, I interested myself. The book is authored by David Epstein who is already the author of the #1 New York Times bestsellers Range and The Sports Gene, and has worked as a senior writer for Sports Illustrated. The tagline for Range is Why Generalists Triumph in a Specialized World. I like David's questioning and relevantly contrarian approach and was eager to sit down and talk with him about how constraints make us better. David claims that total freedom is the enemy of creativity, and constraint its companion. He says, “Contrary to popular belief, the brain is not designed for thinking. It's designed to save you from having to think.” And thus all the thinking that too many options gives us has a cost. I ultimately interested myself in going forth with decisions by first, vetting them not for what is possible, but what is most probable. And shifting my mindset from wanting no limits, to understanding that less options is actually helpful for my mindset, and my life. Sign up for your $1/month trial period at shopify.com/kevin Go to shipstation.com and use code KEVIN to start your free trial. Learn more about your ad choices. Visit megaphone.fm/adchoices
Have you wondered what’s behind the energy in the polygamy revisionist movement? Are these the same as RLDS polygamy arguments? Back in 2010, Newell Bringhurst wrote a chapter in “Persistence of Polygamy” on the evolution of RLDS thinking on Joseph Smith’s polygamy, how it got forgotten, and recycled among a new generation of LDS members who weren’t aware of the previous history. https://youtu.be/wD-ZHracUnA Are the modern arguments that Joseph Smith was a strict monogamist actually new? In this deep dive, we explore the “layered archive” of historical claims surrounding Joseph Smith's polygamy, revealing that many of today's “polygamy revisionist” arguments are actually recycled 19th-century RLDS positions. The presentation breaks down the 150-year evolution of the Reorganized Church of Jesus Christ of Latter Day Saints (now Community of Christ) through four distinct phases: The Early Concessions (1852–1860): Contrary to popular belief, early leaders like William Marks and Isaac Sheen did not initially deny Joseph Smith’s involvement. Instead, they claimed he had been involved in “spiritual wifery” but recognized his error and repented shortly before his death in Carthage. The Era of Absolute Denial (1860–1960): Under the leadership of Joseph Smith III, the strategy shifted toward establishing the absolute innocence of the founding prophet. This century-long “institutional mandate” framed D&C 132 as a “Brighamite forgery” and placed the blame for polygamy entirely on Brigham Young. The Academic Shockwave (1960s–1980s): The “dam broke” when mid-century historians like Robert Flanders and Lawrence Foster published research that eroded the bedrock of the church’s denial. This led to a painful institutional reckoning, eventually forcing the church to acknowledge Joseph Smith's foundational role in plural marriage. The Modern Revisionist Resurgence: Today, a new wave of LDS members—facing their own faith crises—are adopting these older RLDS arguments to resolve cognitive dissonance regarding the prophet’s moral legacy. Drawing on works like Newell Bringhurst's The Persistence of Polygamy and Robert Flanders' Nauvoo: Kingdom on the Mississippi, this presentation weighs revisionist claims against the preponderance of contemporaneous evidence. We also discuss the psychological toll of these shifting narratives and the ongoing battle to control the legacy of Joseph Smith. RLDS Polygamy Arguments Chapters 0:00 Introduction and the RLDS Foundation 07:53 Anatomy of a Narrative Shift 08:19 The Bedrock: 1852 to 1960 12:30 Early Concessions 16:42 Joseph Smith III and the Strategy Shift 21:09 D&C 132: Brighamite Forgery? 27:35 Historical Reckoning (1960s to Present) 51:12 Modern Skeptic Movement 1:26:44 Three Paradigms of Polygamy 1:29:17 Conclusion: The Enduring Battle for Legacy
Contrary to what is sometimes assumed, Paul tells us that certain things of global significance have to happen before Christ returns. These things are not happening currently as far as we can see. If this is the case, then in what sense is Christ's return 'imminent'? Borrowing from John Piper, we look at three ways: 1) prophetically near; 2) divinely near; and 3) potentially near. You can watch this message here.
In this week's Stansberry Investor Hour, Dan welcomes Andy Schectman to the show. Andy is the founder and CEO of Miles Franklin Precious Metals, a company dedicated to transparency, ethics, and long-term wealth preservation. Andy kicks things off by explaining why gold prices breaking down isn't as bad as many people believe. He says that while the paper price of gold is going down, the physical asset has been going strong. In fact, since the start of President Donald Trump's second term, billions of physical gold bars in contracts have been delivered to CME Group's Commodity Exchange ("COMEX"). Silver also had strong deliveries to COMEX, with December 2025 seeing a record 65 million ounces in contracts delivered. Andy also says that one reason why gold exchange-traded funds ("ETFs") have experienced increased outflows is because large firms are redeeming their shares in exchange for gold to fulfill delivery contracts. And some of these contracts are for foreign countries that have lost trust in the central banks. (0:00) Next, Andy shares his thoughts on bitcoin (BTC) and gold. Contrary to the stances supporters of either asset have, he doesn't believe investors need to be in only one of them and opposed to the other. He believes it's best if you invest in both. Andy personally invested in 1 BTC early on so he could have some exposure to the development of bitcoin. Andy then talks about the country's debt problem. With the U.S. in debt by more than $39 trillion, our country needs a way to pay it off. Andy says we have no way of selling products to other countries in the hopes of being paid in dollars, and other countries have established their own methods of trade without relying on the U.S. dollar. And with a trifecta of worse education rates, a lack of at-home manufacturing, and AI replacing certain jobs, the future outlook is grim. (19:14) Finally, Andy says that Trump does have a plan to address this problem. The key is to bring manufacturing back home and sell that to the world. The U.S. cannot afford to be reliant on other countries. Also, the U.S. needs to aggressively buy gold. That would go straight into the Treasurys and help pay off our debt. While in the short-to-mid term this will be painful for Americans as certain services might need to be withheld, in the long term, Andy says it would be worth it. He ends the interview by warning investors to not save their money in dollars due to its dwindling value but to put their money into hard assets instead. (39:46)
Send us Fan MailIn this retrospective single-center study from Toronto, Adrianne and Nim explore the echo findings of preterm infants with septic shock and hypoxemic respiratory failure. Contrary to the common assumption that elevated pulmonary vascular resistance drives hypoxemia in sepsis, the data points to left ventricular dysfunction as a key contributor. Babies with hypoxemic respiratory failure showed lower LV systolic and diastolic performance, while pulmonary pressures were similar between groups. Mortality was significantly higher in the hypoxemic group. This challenges the reflex to reach for nitric oxide first and asks clinicians to look at the whole heart.----Cardiopulmonary Physiology of Hypoxemic Respiratory Failure Among Preterm Infants with Septic Shock. Kharrat A, Nissimov S, Zhu F, Deshpande P, Jain A.J Pediatr. 2025 Mar;278:114384. doi: 10.1016/j.jpeds.2024.114384. Epub 2024 Nov 6.PMID: 39510164Support the showAs always, feel free to send us questions, comments, or suggestions to our email: nicupodcast@gmail.com. You can also contact the show through Instagram or Twitter, @nicupodcast. Or contact Ben and Daphna directly via their Twitter profiles: @drnicu and @doctordaphnamd. The papers discussed in today's episode are listed and timestamped on the webpage linked below.Enjoy!
Contrary to popular belief, Christians who follow God's design for sex within marriage actually experience the deepest, most fulfilling intimacy possible, because sex was God's idea first.
Bible Prophecy Under the Microscope-Episode 98 Gary responds to a recent video by Joel Richardson about Matthew 24:15 and the "abomination of desolation." Before addressing Joel's claims, Gary conducts a brief survey of the Gospel of Matthew, reminding readers (and hearers) of what Jesus said and to whom He was speaking. Context and audience relevance are important and crucial to understanding.
Contrary to popular belief, life may very well not have begun on the sunlit surface of the planet--but rather in the deepest part of the deepest oceans. In his new book, "The Dark Frontier," marine geobiologist Jeffrey Marlow explains why.
Contrary to popular belief, hope isn't a feeling. It's a formula that Dr. Ashley Cross is about to teach you about. And according to research, it's the single best predictor of wellbeing. More than grit, resilience, confidence, and it’s needed to unlock all of them. Dr. Cross is one of the nation's leading practitioners of the "Science of Hope” through the incredible work of her Rochester nonprofit Hope 585 and now through her work advising the hope-centered movement in Memphis. Her hope lessons in this episode might just change your life… and definitely can help many of the lives you’re serving. Learn more about her work at Hope585.orgSupport the show: https://www.normalfolks.us/#joinSee omnystudio.com/listener for privacy information.
Contrary to popular belief, hope isn't a feeling. It's a formula that Dr. Ashley Cross is about to teach you about. And according to research, it's the single best predictor of wellbeing. More than grit, resilience, confidence, and it’s needed to unlock all of them. Dr. Cross is one of the nation's leading practitioners of the "Science of Hope” through the incredible work of her Rochester nonprofit Hope 585 and now through her work advising the hope-centered movement in Memphis. Her hope lessons in this episode might just change your life… and definitely can help many of the lives you’re serving. Learn more about her work at Hope585.orgSupport the show: https://www.normalfolks.us/#joinSee omnystudio.com/listener for privacy information.
Thoreau's Performative Solitude at Walden Pond. Guest: Bruce Nichols. Henry David Thoreau built his famous cabin on land owned by Ralph Waldo Emerson. Contrary to his image as a total hermit, Thoreau was quite social, often walking into town for fresh-cooked meals and laundry. He eventually spent years refining his journals into the masterpiece Walden. 101929 EMERSON OLD MANSE
Portland's Business Struggles and Las Vegas's SCHEDULE JBS 6-19-2026.1900 LAGrowth. Guest: Jeff Bliss. High taxes and progressive policies in Portland are driving a corporate exodus, including Under Armour, as business districts empty. Conversely, Las Vegas is thriving, highlighted by the opening of a massive four-story In-N-Out on the Strip. The segment also covers California's proposed wealth tax and calls to nationalize AI. 1Ethics Investigations into the Newsom Administration. Guest: Jeff Bliss. Governor Gavin Newsom and his wife, Jennifer Siebel Newsom, face investigations regarding millions in "behested payments" from entities like PG&E to her media company. While Newsom dismisses the probe as political weaponization, critics suggest these payments indicate potential undue influence and significant ethical scandals within the administration. 2Critique of Middle East Ceasefire Strategy. Guest: Richard Epstein. Epstein argues that recurring ceasefire declarations are merely strategic devices for rearmament rather than genuine steps toward peace. He criticizes current negotiation styles for alienating allies and failing to pursue the unconditional surrender of adversaries, which he believes is the only stable solution for regional security. 3Supreme Court Rulings on Gun Rights and Drug Use. Guest: Richard Epstein. In a unanimous decision, the Supreme Court ruled that marijuana use alone does not justify the categorical stripping of a citizen's Second Amendment rights. Epstein critiques the court's narrow reliance on originalism, suggesting a "police power" analysis should instead determine if a person poses an immediate physical threat. 4Economic Resilience in D.C. and Lancaster County. Guest: Jim McTague. A drop in gasoline prices has boosted consumer spending at retail stores and supermarkets. While D.C. remains popular with tourists, employers are struggling to find workers with specialized technical skills. Meanwhile, the housing market remains robust at the high end despite higher interest rates. 5Italian Defense Pressures and the Summer Heatwave. Guest: Lorenzo Fiori. Italy's government is balancing NATO's demands for increased military spending against rising energy costs. Simultaneously, a record-breaking heatwave reaching 104°F in Milan is straining public resources, prompting Fiori to recommend the cooler Garfagnana region for its fresh environment and traditional bean and cabbage soup. 6SpaceX's Aggressive Launch Schedule and Innovation. Guest: Bob Zimmerman. Gwynne Shotwell indicates that SpaceX's Starship may begin operational flights and orbital refueling tests by year's end. The company is also demolishing older facilities at Vandenberg for new launchpads, while private startups advance 3D-printed rockets and orbital satellite rescue missions to assist aging telescopes. 7Mars Discoveries and Cosmological Mysteries. Guest: Bob Zimmerman. The discovery of galaxies devoid of dark matter is challenging fundamental astronomical theories. On Mars, the Curiosity rover has reached smooth ground after five years of rocky terrain. Additionally, orbiters have detected multiple dust devils and potential frost and ice in the planet's equatorial regions during winter. 8Literary Giants of the New England Renaissance. Guest: Bruce Nichols. This segment explores the intense relationship between Hawthorne and Melville, who dedicated Moby Dick to Hawthorne. While Ralph Waldo Emersonoften criticized their dark worldviews, these authors, alongside Walt Whitman and Margaret Fuller, were instrumental in inventing a uniquely original and enduring American literary voice. 9Thoreau's Performative Solitude at Walden Pond. Guest: Bruce Nichols. Henry David Thoreau built his famous cabin on land owned by Ralph Waldo Emerson. Contrary to his image as a total hermit, Thoreau was quite social, often walking into town for fresh-cooked meals and laundry. He eventually spent years refining his journals into the masterpiece Walden. 10The Struggles and Triumphs of Louisa May Alcott. Guest: Bruce Nichols. Louisa May Alcott supported her family because her father, Bronson Alcott, failed to earn a consistent living. She served as a Civil War nurse, dealing with horrific casualties before contracting a severe illness she attributed to mercury poisoning. Her 1868 novel Little Womenfinally resolved the family's debts. 11The Literary Legacy and Final Days of the Alcotts. Guest: Bruce Nichols. Following the success of Little Women, Alcott resisted fan demands for her protagonist to marry Laurie, choosing an independent path. As the circle aged, both Emerson and Bronson Alcott suffered significant cognitive decline, with Louisa providing essential financial and personal support until her death in 1888. 12Diplomatic Strains and Escalation Risks in Ukraine. Guest: Anatol Lieven. European leaders are divided over initiating direct negotiations with Russia as the war remains stuck on the ground. While some advocate for offering Putina "golden bridge" to claim a symbolic victory, others argue for continued pressure, despite the constant risks of accidental or nuclear escalation. 13The Rise of Andy Burnham in UK Politics. Guest: Anatol Lieven. Greater Manchester Mayor Andy Burnham is emerging as a formidable potential successor to Prime Minister Keir Starmer. Though Burnham enjoys strong regional support, he faces daunting national issues, including the funding crisis in the NHS and Britain's inability to borrow like the United States. 14A Vision for Governance Reform in Canada. Guest: Conrad Black. Biographer Conrad Black and billionaire Stephen Jarislowsky have proposed recommendations to streamline Canadian governance by reducing duplicated bureaucracy. They argue that Canada's public service is top-heavy and that lowering corporate and personal taxes is essential for maintaining economic growth and competitiveness with the United States. 15CISA's Mission to Protect Critical Infrastructure. Guest: Francis Rose. Acting Director Nick Anderson explains CISA's role as a vital clearinghouse for cyber threat information across federal and private sectors. Since 85% of critical infrastructure is privately owned, CISA focuses on information exchange to prevent bad actors from moving laterally to disrupt water or power supplies. 16
The state of public education is a mess. At the heart of it is a real struggle about a fundamental question: How much tech should our kids be exposed to daily in the classroom?Contrary to what parents have been told by public schools nationwide, there is no single one-size-fits-all solution for kids and that includes the use or non-use of tech tools like artificial intelligence (AI) in classrooms.Also, did those high-tech school districts warn you your kid's basic math skills would erode so much that she/he would be tethered to a tech device for the rest of their lives?Priten Soundar-Shah, author of Ethical Ed Tech: How Educators Can Lead on AI and Digital Safety in K-12, shares a better way forward based on the intelligent and deliberate use of technology that fosters better engagement in our public schools this week on Spirit Gym. Learn more about Priten and his much-needed work in the non-profit sector at his website. Listen to his podcast, Margin of Thought with Priten, on Apple Podcasts, Spotify, YouTube or wherever you listen to them. You'll find him on social media via Instagram, Linkedin and TikTok.Read the opening chapter of Priten's book, Ethical Ed Tech, for free at this website. Buy his book on Amazon, Barnes & Noble or Bookshop and upload your receipt, and you'll receive several free resources, including an exclusive bonus chapter and video course.Timestamps7:39 Living the life of a non-profit entrepreneur, tech tool-builder and teacher.19:14 The conversations about the role of tech in schools moved from teachers to big tech companies.26:03 Reading a book on how to read inspired the name for Priten's podcast.32:26 How do know what red is if you don't experience it?44:36 How do you persuade kids to eat vegetables and learn things too?50:19 Making things happen faster and easier — what tech does best — is often not the best environment for learning.58:00 Paul's crashing conversation with Claude about generating faulty AI art.1:02:47 There is no one-size-fits-all solution for improving education and that includes the use/non-use of tech like AI.1:11:40 Gamified engagement versus learning engagement.1:18:06 Are we so dependent on technology that your kid's basic math skills have been “downloaded” to a digital calculator on a cell phone?1:25:30 The case studies featured in Ethical Ed Tech provide scenarios and options for the ethical use of tech in schools, not absolute solutions.1:33:17 One unintended consequence of tech dominance in schools: A fixation on measuring and controlling every aspect of them (including reading and test scores).1:46:11 There's no community consensus on the purpose of schooling.1:53:36 The real-world limits on how much schools can solve external factors like personal flourishing, contributing to the world and how a kid feels about herself/himself away from school.2:03:21 Priten hopes schools will deal with AI faster than they did cell phones (10-15 years).ResourcesAI and the Future of Education: Teaching in the Age of Artificial Intelligence by Priten Soundar-ShahPedagogy FuturesAcademy 4 Social Civics The work of ConfuciusPaul's podcast conversations with Dr. Jared Horvath and Elizabeth NelsonThe Digital Delusion: How Classroom Technology Harms Our Kids' Learning — And How To Help Them Thrive Again by Jared HorvathThe Living Soil and the Haughley Experiment by Lady Evelyn Barbara BalfourFind more resources for this episode on our website.Music Credit: Meet Your Heroes (444Hz), Composed, mixed, mastered and produced by Michael RB Schwartz of Brave Bear MusicThanks to our awesome sponsors:PaleovalleyBIOptimizers US and BIOptimizers UK PAUL15Organifi CHEK20Wild PasturesPique LifeSpirit GymCHEK InstituteWe may earn commissions from qualifying purchases using affiliate links.
OA1268 - Patents, trademarks, and copyrights, ach mein! How did the Fender Stratocaster, a guitar that has been in continuous manufacture since 1954, Suddenly become the subject of an intellectual property dispute? Well, maybe this didn't exactly come from Out of the Woods. Fender has had 5 utility patents, 1 design patent, and 3 trademarks relevant to the Stratocaster Through the Years. But the one thing that's been Slipping Through Their Fingers all this time was protection for that iconic (or is it?) body shape. After their design patent expired, their trademark application was Denied, and US copyright was definitionally Forbidden, anyone could see that Nothing Really Matters to the US Patent and Trademark Office, and Fender was left Walking in the Snow. Very similar (some might say identical) body shapes entered the market. It's Late, but perhaps not too late. Fender sailed the Seven Seas to another country with different copyright laws. But with only a German court order in hand, will Fender be able to make this exclusive protection Live Forever, or is it just Cheap Talk other guitar makers can ignore? Contrary to the hot takes everywhere, it could be A Hard Day's Night before we get a definitive answer. Is any of it JU$T? You decide. Tune in for the history that got us here, an overview of US IP law, and to hear Jenessa argue with a computer, and 90% of people talking about this, who just cannot seem to link to the documents they're referencing… Fender patents, relevant to Stratocaster: Guitar shape (utility/functional features): U.S. Patent No. 2,960,900 (issued Nov. 22, 1960) Guitar shape (design/ornamental features): U.S. Patent No. Des. 169,062 (issued Mar. 24, 1953) Bridge and pick-up assembly: U.S. Patent No. 2,573,254 (issued Oct. 30, 1951) Tremolo: U.S. Patent No. 2,741,146 (issued Apr. 10, 1956) Pickup and circuit: U.S. Patent No. 2,817,261 (issued Dec. 24, 1957) Adjustable neck: U.S. Patent No. 3,143,028 (issued Aug. 4, 1964) Dating a Fender Stratocaster, Adirondack Guitars. Relevant Fender trademarks Fender brand name: FENDER, U.S. Trademark Registration No. 0805075 (issued/renewed Mar. 8, 1966) Stratocaster name: STRATOCASTER, U.S. Trademark Registration No. 0839997 (issued Dec. 5, 1967) Headstock: U.S. Trademark Registration No. 1148870 (issued Mar. 3, 1981) USPTO, 1512 Relationship Between Design Patent, Copyright, and Trademark. Stuart Spector Designs, Ltd. v. Fender Musical Instruments Corporation, 94 USPQ2d 1549 (TTAB 2009) [precedential]. Düsseldorf Regional Court (Az. 14c O 64/25) Carolin Thurner, The Fender Stratocaster before the Regional Court of Düsseldorf - First application of the ECJ Principles from Mio/konektra to a work of applied art in Germany, Lexology. Katheriner Sayer (May 28, 2026), The Brewing Fight Over the World's Most Popular Electric Guitar, Wall Street Journal. Josh Gardner, Fender reportedly demands boutique builders stop making Stratocaster-style guitars: This is what it means for the industry, Guitar.com. Wayne's World clip Check out the OA Linktree for all the places to go and things to do!
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