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The Briefing - AlbertMohler.com
Friday, May 30, 2025

The Briefing - AlbertMohler.com

Play Episode Listen Later May 30, 2025 26:51


This is The Briefing, a daily analysis of news and events from a Christian worldview.Part I (00:13 - 10:00)The Moral Significance of Bricks: The Dark and Weighty Reality of Living in a Town Built for Nazis‘Are the Bricks Evil?' In a Village Built for Nazis, Darkness Lingers. by The New York Times (Sally McGrane)Part II (10:00 - 14:01)Ed Smylie, Who Saved Apollo 13 Crew, Dies at 95 – And Duct Tape Was Crucial for the Success of His Heroic ActEd Smylie knew this stick-fast wonder could fix anything by The EconomistPart III (14:01 - 18:58)If Marriage is a Good, God-Ordained Institution, Why Does the Apostle Paul Say That It Can Be a Hindrance to Ministry? — Dr. Mohler Responds to Letters from Listeners of The BriefingPart IV (18:58 - 21:31)Is ‘5 Solas' an Oxymoron? — Dr. Mohler Responds to Letters from Listeners of The BriefingPart V (21:31 - 26:51)How Can We Know That What We Know is Correct? — Dr. Mohler Responds to Letters from Listeners of The BriefingSign up to receive The Briefing in your inbox every weekday morning.Follow Dr. Mohler:X | Instagram | Facebook | YouTubeFor more information on The Southern Baptist Theological Seminary, go to sbts.edu.For more information on Boyce College, just go to BoyceCollege.com.To write Dr. Mohler or submit a question for The Mailbox, go here.

Law of Self Defense News/Q&A
Trump Fighting to SAVE America From CORRUPT Judges!

Law of Self Defense News/Q&A

Play Episode Listen Later May 28, 2025 94:58


Like a bad penny, federal Judge Beryll Howell is back again.  Howell was recently reversed 6-3 by the Supreme Court in a case of Article II Executive authority, where she summarily decided that President Trump lacked the authority to fire an executive branch officer.  A super-majority of the Supreme Court disagreed, reversing her summary judgment order. Now Judge Howell is back, again deciding in summary judgement that the Article II Executive lacks the authority to fire the board of the so-called US Institute of Peace, a institution apparently thoroughly corrupt and claiming to be politically answerable to anybody. Trump has now appealed Howell's most recent poorly reasoned--arguably legally corrupt--summary judgement against the White House to the Court of Appeals, and that's what I'll be breaking down for all of you today.Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Law of Self Defense News/Q&A
Trump BACK at SCOTUS Fighting ANOTHER ROGUE Judge!

Law of Self Defense News/Q&A

Play Episode Listen Later May 28, 2025 106:57


The White House Solicitor General John Sauer is back before the Supreme Court AGAIN to fight against the vile, unconstitutional overreach of yet ANOTHER unelected, black-robed, tyrannical, inferior district trial court judge--this time Judge Brian Murphy, who was raised to the federal bench in DECEMBER 2024,  ONE MONTH AFTER Trump was re-elected President of the United States. Judge Murphy has decided that it is he who runs America's immigration and foreign affairs policy, and he has been issuing a series of orders micro-managing the deportation of illegal migrants convicted in various state courts of crimes as serious as murder, maiming, and child predation.After week's of this judge's nonsense, Trump has finally had enough, and he's now moved the matter directly to the Supreme Court in a motion filed yesterday.  That's what I'll be breaking down into plain English for our community today!Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Get Rich Education
555: How to Reduce Vacancy and Increase Your Income, Teak Update

Get Rich Education

Play Episode Listen Later May 26, 2025 42:59


Discover powerful strategies to maximize your rental property returns and minimize costly vacancies. Learn how top investors are transforming their approach to property management, from tenant retention techniques to smart staffing solutions. Key Insights: Master the art of keeping great tenants and reducing turnover Understand when to scale your property management approach Explore innovative investment opportunities beyond traditional real estate Market Trends Spotlight: Rental demand is on the rise Emerging investment options offer unique wealth-building potential Strategic diversification is key to long-term financial success Explore alternative investment opportunities like sustainable teak forestry - a generational wealth strategy that offers: Low entry point Long-term growth potential International diversification Whether you're a seasoned investor or just starting out, these insights will help you make more informed, profitable real estate decisions. Resources: Learn more about the teak tree investment opportunity at Gremarketplace.com/teak Show Notes: GetRichEducation.com/555 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, learn how to reduce a giant operational expense that you'll have over time your tenant vacancy and turnover, including how many units you must own before you hire your own on site property manager as your employee. Whatever happened to agent commissions in light of last year's NAR settlement, then a timely update on teak tree investing today on Get Rich Education.   Mid South home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated their zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Welcome to GRE from Manchester, New Hampshire to Manchester, England and across 188 nations worldwide, I'm Keith Weinhold, and you are back inside one of America's longest running and most listened to shows on real estate investing. This is get rich education. What's all that stuff really mean? I'm just another slack jawed and snaggletooth podcaster, a shaved mammal with a microphone. I'm joining you from here in London, England this week for the first time ever on the show. More on that later. Let's talk about reducing the biggest operational expense that you're ever going to have as a real estate investor, at least the one that you can exert a good measure of control over. That is reducing your tenant vacancy and turnover, that constant menace. Now, I suppose you might say that property tax is your biggest ongoing ops expense, but you've got less control over your property tax rate. So yeah, we're talking about increasing your net income by lowering your VIMTUM operating expenses. Vacancy is the V in that acronym. This is big because this can make or break your ability to have your property create positive cash flow and getting tenant turnover right both increases your income and reduces your expenses. It is springtime currently, and it's soon going to be summer, so it is the right time to talk about this. It's when there is more tenant turnover. The goal here is for you to really move the dial in increase the likelihood that your tenant is going to renew their lease. Now, sure if your tenant gets a new job out of town, they're going to move out. But if they're moving because of too many maintenance issues, well then that's something that you could have fixed. The average tenancy duration in the US over time is two to three years. And of course, that's going to be longer in single family rentals and shorter in apartments. And how long your tenant stays is driven by three factors, the price of your unit, the quality of your maintenance and the quality of your management. Let's say that your tenant moves out. To be conservative, that your vacancy period is two months between tenants. Okay, that's the turnover and the time to lease. It two months is a somewhat longish vacancy period. But come on, it happens sometimes, especially if you're going to make upgrades between tenancies and you're busy with other things in your life, if you have a move out every year at that rate, well, that is too often. That would amount. To a vacancy percentage of 14% you might think it's 17% but it isn't, because it's a 12 month vacancy plus two vacant months, all right, but if instead that tenant moves out every two years, that's just 8% vacancy, and every three years that's just 5% vacancy. Of course, if you keep your vacancy period to only one month rather than two, you can have all those numbers. You can really see how you are increasing your income by retaining the tenant. The most vital thing for you to keep in mind is that fast quality maintenance and good communication are by far the best forms of customer service that a property manager can provide, so prompt, quality maintenance. That's a retention strategy. Being a proactive helps. One strategy you can engage in is to reach out to the tenants two months before their lease is set to renew, and that's the time to give them the new lease price and ask them if they intend to stay. If they say, No, they're not, ask them why. And occasionally, you can sway them if there's been a misunderstanding in your relationship, for example, a lingering maintenance issue that hasn't been addressed, and perhaps they didn't bother to contact you about that, if nothing else, I think I mentioned this to you one time before offering a small reward, like a gift card helps. I mean, creating this sense of reciprocation is really one of the best retention tactics out there, even if the items being reciprocated aren't anywhere near equal value, like the value of a 12 month lease versus you giving them, say, a $50 gift card now, say you've tried those strategies, and none of that works, and your tenant does decide to leave, perhaps 45 days from now, but you know that you've got time in your life to turn over the unit now, and You know that you're going to be really busy with other things in 45 days. One thing that you can do then is shift your strategy to pay the tenant. Say you can pay them as little as 10 or 20 bucks a day to leave early. This way they'll vacate during a period where you've got the time to devote to the vacancy and the turnover and the showings to prospective new tenants, and that way, it's not going to linger vacant as long now, a technique like this is a little similar to an eviction, where if a tenant has violated their lease or becomes non paying, without you having to go through the length of Your court driven formal eviction process, you can pay them a lump sum to leave early. Hopefully that's not your situation, but that can come up. And I think you've heard of it before. This is known as the Cash for Keys strategy. That means to get a tenant that's made some violation against their lease, and you want to have them vacate the unit sooner. This means that you get the keys in your hand and the right to enter when you pay them to leave, rather than having to go through the not so fun eviction process and see a tenant wants to avoid a formal eviction as well, because that goes on their record, and then it can make it tough for that tenant to get rental housing elsewhere. But I dislike the Cash for Keys strategy in order to hold off from a formal eviction, because what that does is that rewards a person that violated a lease, although we know that that might also shorten your economic vacancy period, and it could actually be economically beneficial to you, Cash for Keys. It's just not ethical, though. I know it might be tempting for you, the landlord, the cash for key strategy. It rewards societally immoral behavior. Now, of course, you might be using a professional property manager that does all of this stuff for you, like I do today, but still, these are often the best practices for your manager. And I started out self managing, just like a lot of real estate investors do in the beginning, and that's where I learned strategies and techniques like this for reducing your tenant vacancy and turnover. Now, here's a really interesting question that you may not have had to ask yourself yet, but you may down the road, if you've grown your portfolio to a certain size and you're serious about reducing your vacancy and turnover expense, it might be time to ask yourself one big question, and that is for your management and maintenance. Should you use contractors, or should you start to hire your own employees? Now, if you have a small portfolio, it won't be enough work for you to keep an employee busy, so you should go with contract. Contractors. On the other hand, if you have an apartment complex with on site property management, I would definitely recommend having a make ready crew on site, because it's just so easy for them to get to and from a job site. Now, you should still maintain relationships with contractors as a backup, of course, and you should also have specialists like plumbers, electricians and HVAC people ready to call now, most investors are small and they use off site management, but if you grow big enough someday, or maybe it's two day, the important point about employees is that you really need to stay on them, because every extra hour costs you. You don't want anyone out there who's thinking that speed isn't essential, because they're like, ah, you know, I get paid by the hour. Contractors, on the other hand, they quote you or your manager a job up front. So while an extra day hurts because it's one more day you can't lease the unit, it hurts less than it does if you have your own employees. One problem with contractors is they often can't start right away, and this tends to be more true if you're self managing. See if you use a professional manager. They might have their own in house people so you can leverage their employees without having to manage employees yourself, even if your manager brings in an off site contractor, like an electrician or a plumber. Well, that contractor probably gets a lot of business from your property manager, and they have some sense of loyalty to your property manager, therefore, they're incentivized to show up on time faster than if you're trying to self manage, say, your small portfolio of five properties, and you or your tenant are the ones that call the electrician or the plumber. Well, those contractors are going to be less likely to prioritize you and your infrequent requests, and this is just another reason that I like to employ professional management and not self manage. Now, virtually no new real estate investor is going to hire their own employees, and most are never going to at all. All right, but how do you know? How would you know when it's time to hire your own property manager or your own contractor, and have them on your own payroll and you are their boss, if you've got under 20 to 30 units, all right, typically third party property management or self management with contractors, that's going to make more sense, because having a full time, dedicated employee, it's just not financially justifiable. Below 20 or 30 units, you're not going to be able to keep that employee busy. And I'm generally talking about if you have one apartment building here, or a bunch of single family rentals, only if they're in small, close proximity to each other. What about if you grow up to 30 to 60 units? All right now you're in a gray area. If the property is something that's pretty management intensive, like high turnover, or you own an older building, or you generate a lot of work orders, or you're in a challenging area. Well, at 30 to 60 units, you might justify a part time on site person. So how that could practically work in this 30 to 60 unit gray area, what you can do is have a resident manager that gets free rent, plus perhaps a small stipend from you. Okay, so that's a strategy that you can play in this gray area zone. That way they can be responsive to tenant requests, and you can keep your vacancy and turnover costs down. All right, how about when you're going even bigger and you reach 60 to 100 units. Now you're in the range where a full time on site manager or a maintenance person, starts to make financial and operational sense, because here it's 60 to 100 units. Your staffing model, it might be that you have one full time manager, they do the leasing, the tenant relations, in the admin stuff, and you'll also have a second person, a full time maintenance tech if they're needed, all right? And the final tier here, if you reach more than 100 units, oh, okay, now it is standard for you to have a full on site team. You could be in the hundreds of units. So we're talking about a property manager, a leasing agent, a maintenance lead, a groundskeeper and sometimes also a part time assistant manager. So that's it. That's the hierarchy of how, based on your portfolio size and where they're located, how you can serve tenants well and reduce your vacancy and turnover expense. Yes. All right now, what are some things that can shift those thresholds, those unit counts? Well, high rent or luxury buildings, they often need on site staff at a smaller unit count, very low rent or section eight properties, they may need more intensive oversight, buildings that have amenities, like some of these newer apartment buildings that have a pool and a gym, okay, that can trigger some more staffing needs. And if you own multiple properties that are nearby to each other, well, then you can share employees across those properties. And you've got to look at local labor costs in places like New York City, northeastern New Jersey, parts of New England, Miami or LA, those high cost places. Then breaking even on staffing. That probably takes a bigger property than those numbers that I talked about. But here, we tend to invest in those investor advantage areas, the inland northeast, the South, in the southeast, in the Midwest. Now, if you've got, say, even 50 smaller properties, but they're scattered all over the place, in multiple states, well then of course, you're not going to hire employees. A good general metric to leave you with here is that one on site employee for every 50 to 80 units that you own in the same area, that is common, that is a common industry practice in market rate multifamily apartments right now, these are pretty timeless strategies I've been talking about with you here.    As for what's happening in The market lately, I continue to slowly get more optimistic about the long beleaguered apartment market. A few weeks ago, I talked about how there's finally been greater apartment rent increases, although those rent increases are still historically low. What recently we learned that apartments are seeing a longer duration of tenancy and today, per real page, every single one of the 50 largest apartment markets has posted month over month occupancy gains, and then that's somewhat commensurate with what we're seeing on the one to four unit side, because the home ownership rate has fallen. It just fell from 65.7% down to 65.1 quarter over quarter. Now that doesn't sound like much, but that's actually a substantial drop in the home ownership rate in just one quarter. And fewer homeowners means more renters. So this basically means that the percent of Americans, renting has gone up because you just take the flip side of those numbers. So the rentership rate has essentially risen from 34.3 up to 34.9 in just one quarter. Something that completely makes sense, because we all know that home ownership affordability, especially for that first time, home buyer is lower, more renters. Is good for rental property owners. It's bringing more rental demand, more occupancy and more future pressure on rising rents. Now I want to follow up with you on a story from last year that made a lot of waves in the larger real estate world, but not so much for real estate investors. You surely remember this. That is the NAR settlement that a lot of people thought would result in lower real estate agent fees. Lowered commissions were coming. That's what everybody thought last year. Stories about that were all over the place that realtor fees are about to shrink. What's happened since then? Well, not much realtor fees, they still haven't fallen in any significant way, although the settlement was more than a year ago and this went into effect nine months ago. So to back up for a moment, in case you missed it, what happened is that a group of sellers accused the NAR, the National Association of Realtors, of inflating home costs by letting buyer side and seller side agents communicate about commission rates on the MLS home database, which only agents can see. And a jury agreed, so the NAR settled the lawsuit for over $400 million in damages, and it barred agents from sharing commission rates on those MLS databases. So that was a huge change that was expected to extinguish the globally high five to 6% realtor fee in the United States, because global averages are between one and 3% so as a result, the US real estate industry, they were bracing themselves for up to a 30% drop in the commissions that Americans pay annually in fees. But the new rules. Things have been nothing other than a big nothing burger. It only took a matter of weeks, really, for most agents to realize, you know, what did the agents do? They just simply moved their conversations off the NAR website and over to phone, text and email. That's it. Yes, that's all they did. So since that time, the average commission for buyers agents has barely budged. It ticked down less than 110 of 1% so for example, it ticked down less than 500 bucks on a 500k home that's per Redfin. So agents still expect sellers to pay five to 6% now I'm not against agents. Not only can an agent guide you through the process, what they can do is get you a higher sale price than they could have otherwise, because they really know how to market and advertise your property and reach a greater pool of buyers, but their commission rates have hardly budged. And of course, here at GRE marketplace, we typically use a direct model where agent compensation isn't priced into your properties anyway.    To review what you've learned so far today, being proactive can help reduce your tenant vacancy and turnover expense and increase your income. Prompt, quality maintenance, that is a retention strategy in itself, as can having one on site employee for every 50 to 80 apartment units. And one year later, changes at the NIR really haven't reduced aging commissions appreciably. I'm coming to you from London, England today, taking in all the top sites, Buckingham Palace and watching the changing of the guard over there, Big Ben a Thames river cruise and the London Bridge, which is actually called Tower Bridge. The real estate transaction that I'm currently involved in here is paying $550 a night to stay here at a nice hotel in the center of the city. It's right near the Thames, kind of a steep rate, and I sure didn't have to stay right in the city center, where everything is more pricey. But that's the experience that I want to have. Next week, I'll bring you the show from Edinburgh, Scotland, where I'll be paying even more for a well located hotel right on the Royal Mile, and I'll tell you how much more then I am here to boost their economies, I suppose more next, including a really timely update. I'm Keith Weinhold. You're listening to Episode 555, of get rich education.    The same place where I get my own mortgage loans is where you can get yours Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Tom Wheelwright  24:21   this is Rich Dad advisor, Tom wheelwright. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  24:37   Welcome back to Episode 555, of get rich Education. I'm your host, Keith Weinhold, with an episode number like 555, you would expect me to go deep with you on real estate pays five ways, but we did that five weeks ago on episode 550 with your audio masterclass right here on the show today, we're talking about something with less upside. Than say that or the inflation triple crown, and instead on reducing your downside, vacancy and turnover expense, next week here on the show, I expect to sit down with a guest that's a highly regarded financier and author of a fairly hot new finance book, Christopher Whelan, and next week's show could get really interesting, because I've heard Chris say something about how real estate prices could fall back to 2020 levels. In my opinion, that is so many levels of unlikely that happening is about as likely as your grocery bills falling back to 2020 levels. So we'll see it could turn into a debate next week with Christopher Whelan and I. He is a sharp, well informed guy that also used to work at the New York Fed. That's next week down the road, longtime and former co host of the real estate guys radio show, Russell gray will join us again here, and we'll see what he's been up to in his post real estate guys, radio life that's coming up in a few weeks. Lots of great future content here, monologs, yes, those slack jawed monologs For me, repeat guests and new guests joining in as well. Back to this week now, there's an intriguing and potentially lucrative investment that we've discussed on the show here before, and I do have a timely and crucial update about it. A little while back, I sat down with the teak operations principle when we were in New Orleans together. These are yes, those Panama teak tree plantations that so many of you have already invested in. Yes. So as it is here. I am an American in London today talking about teak trees in Panama and I interviewed our upcoming guest here when we were in New Orleans together, the teak investment has a long time horizon, because trees have to grow. There's also a low cost of entry and no loans available. This is a real estate investment. You can own the land with the title to it and the trees that grow on top of them. Historically, teak returns have been five and a half percent, which doesn't sound like much, but see it grows in board foot volume at the same time that the unit price grows. And if inflation runs high over the next 25 years, your return might be higher. But the reason that we're discussing this now is because the principal, Mike Cobb here meeting with me, he is going to mention a price, and this is key two weeks from today, on June 9, the price for the teak parcels increases substantially. I'll tell you about that shortly. So for GRE followers, you can get locked into the lower price for just two more weeks. Here's my chat from a little while back with the teak tree investment principle, and then I'll return to bring you more.    Hey, did you know that you can own a quarter acre parcel of a producing teak plantation, you own the title to the land, and you get the growth in the trees. On top of that, this is something that you can do as an investor. And teak trees are a valuable hardwood that you own, typically in Central America. So there's a very low cost of entry to this investment, and that's what attracts a lot of people to it. And I am with Mike Cobb, the CEO. He's also the author of the new book how to buy your home overseas and get it right the first time. But Mike, a lot of people are interested in the teak investment because it is so approachable. Tell us about it. Give us a general overview.   Mike Cobb  28:42   absolutely, you know, thanks for having me on. It's always nice to be with you. We're, we're having some fun here in New Orleans, which is terrific, you know, yeah, the teak plantation is something that I envisioned back in 1998 so what's that like 26 years ago? Right? And in 1999 we planted our very first 100 Acre teak plantation. Because what we thought about at the time, which has now proven true 25 years later, is that, you know, I was either going to need the money in 25 years and be really glad I did this, or I wasn't going to need the money in 25 years and I was going to be really glad I did this. You know what? I don't really need the money now, but I'm really glad I did this. And 25 years comes. And I think that's been really the challenge for a lot of people looking at teak. They're just like, ah, 25 years. It's too long, but 25 years comes. 25 years will come, and you can either have planted the trees and be ready to take this huge windfall of return, or you won't be getting a windfall return. So I think that's the challenge, the mental challenge, I think maybe an average investor has, but I know you work with superior investors because they're paying attention to what you're writing, they're watching your podcast, they're reading your newsletter. You have far superior investors than I would say, the average investor. So I think this is a great thing for folks to check out.   Keith Weinhold  30:00   All right, so you're talking about the investment timeline, from the time a tea tree seed is planted until the harvest time that can feel like quite a while. You have been doing this over 25 years, and that is key when you as an investor go offshore or go overseas to have trust in a stable company that's been around for a long time. That's why, really, you're one of the few people that I work with who are outside of the United States real estate like the teak trees.   Mike Cobb  30:25   Thank you. Yeah, we've been around for 31 years. I've been working in the region. 31 our development company is 28 years old. Our plantation is now 26 years old. 25 with the trees, but we bought the land 26 years ago. But the bottom line, you're right and and the other thing that we should care about. And you brought this up earlier, when we're kind of chatting, is country, what country are you planting trees in that you got to wait 25 years for them to mature and harvest? By the way, the Panama. By the way, Panama, and of all the countries in the region where I feel the most comfortable as an investor, Panama's yet, because Panama's got the canal. And I know people say, oh, yeah, that's right. It's a vital strategic US interest. It's a vital world interest. The Chinese care about it as much as we do. The Europeans care about it. Anybody who wants commerce to happen cares about that canal being open. And so you've got this country, Panama, that has the canal stable, economically stable, politically stable. And when starting to talk about 2550 7500, year time frames, because you own the land, you get the harvest in 25 years, you replant, and then your children get the next harvest, and your grandchildren get the next harvest. It is truly generational wealth. Stewardship   Keith Weinhold  31:41   Panama is a little bit like investing overseas with training wheels on their well developed, first Central American nation. They even use the United States dollars. They do is that familiar? Absolutely well. But as the investors thinking about investing in teak plantations, just tell us about the properties of teak wood, of all wood types. Why teak? Tell us about the value there.    Mike Cobb  32:00   Yeah, teak has been grown in plantations, starting with the British back about 400 years ago. And so you've got centuries of plantation growing of teak as a crop, right? And so you've got this incredible longevity of information and things like that. And I know some of the stats off the top of my head, since 1972 the average price of teak lumber has has risen about five and a half percent a year over a 52 year period. Talk about track record, centuries of growing as a crop, right? 52 years as a lumber commodity. Look, people been using it to make ships. Its hardness is its most valuable characteristic is an extremely hard wood. It's resistant to rot fungus, so it's used in outdoor furniture, for example, right? Some of the stuff on the Titanic they pulled up from the bottom of the ocean, you know, chairs made a teak, right? Teak. But ship builders fine furniture, outdoor furniture and and they're cutting teak down. This is so important, they are cutting teak down eight to 10 times faster than anybody in the world is replanting it. So just imagine what that does to supply and demand and prices based on just basic economics, right?   Keith Weinhold  33:13   Yeah, that is some scarcity. That is a really good point. Tell us about what you're surely interested in. What do the investor returns look like.   Mike Cobb  33:21   Yeah. So you know, to own one of these quarter acre parcels, by the way, you said it before you own the land, you get title to the land you own the trees. $6,880 that's your that's your entry. Gosh. So for less than $7,000 you own a quarter acre of teeth trees that in 25 years projected returns. We all projections right about $94,000 a little over $94,000 so 7000 turns into $90,000 over 25 years, harvest, plant the trees again, and in 25 years, your kids or your grandkids will get the next harvest, and so on and so on. It is a powerful generational wealth stewardship. In fact, right now we have what we call give the gift of teak because look, you know, you got kids, you got grandkids. What are you gonna get them? Right? I mean, they got everything they want, presumably, right? You buy them a teak parcel, right? Buy that kid, buy that grandkid, a teak parcel. What a cool idea. Oh my gosh, in 25 years, you might be gone, right, but they're gonna get this big windfall, and they're gonna thank grandma or grandpa, right for for thinking of them 25 years into the future?   Keith Weinhold  34:27   Yeah? Oh, I love that. And you're so proud about what you do. You regularly offer investor tour so that they come and see the teak. But maybe you know, for you, the investor, you're wondering, okay, if you're used to investing in us real estate, you might be making two leaps here. You'd be going from residential real estate to agricultural, and you'd also be investing in a nation outside your home country. And when it comes to those sort of questions, I think any savvy investor asks, okay, what are the risks involved with this investment? Can you tell us about that?   Mike Cobb  34:59   Yeah, sure. Look, you've got political risk, country risk, political risk, which, I think again, of all the countries in the region, Panama, dollar, economy, canal, safe, stable. So the political risk is minimal. It's there. It's real. You know, fire risk is an issue, right? Trees burn. The good thing about teak is that after about year three, they're up. And you keep them trimmed, trim all the low branches off. So fire risk really drops incredibly low after about year three or four. But ultimately, it's about professional management. We have a company called Heyo Forrestal that we hired 25 years ago, 26 years ago, actually, to help us find the land, do the analysis of the land, make sure it was good for teak. And when you hire professionals, you get professional results. I mean, we stayed with this company for 26 years now, and the guy that we met early on, a little forestry engineer, is now General Manager and partner in the business. So we've watched that business grow up alongside ours at the same time. Those relationships, you know, Dolly Parton and Kenny Rogers have a song you can't make old friends. So here we are with Jacobo and some of the Luis that we've worked with for, you know, 26 years, and the relationships matter, especially in that part of the world, but professionalism and professional management is the key, and you have that alongside the relationships. Both are important.   Keith Weinhold  36:20   yes. So we're talking about how the property manager is such an important part of your team, and you think about your single family homes or your apartment buildings. And Mike here is talking about the importance of professional management, because teak trees need a little management and pruning, and sometimes there are thinnings which can give you some income so that you don't have to wait 25 years. Correct another way in which you might not have to wait 25 years for the full harvest cycle is at times you can buy trees that are, say, already seven years old, so you can only be waiting 18 years, or that are teens, so you might only be waiting 10 years, or some things about that, those are some of the options. But Mike, before I ask you if you have any last word, if you want to learn more about this, get some information, learn more about it, and learn how to connect with Mike's team. He is one of our GRE marketplace providers, and he's the owner of that company. You can do that at gre marketplace.com/teak, any last thing someone should know about teak before they consider investing? Mike?    Mike Cobb  37:16   Yeah, well, two things you mentioned the tour. So we do run discovery tours. We have one coming up in January, end of January, two days, we go out to the plantation, the teenage teat plantation, by the way, oak, which is eight or nine more years to harvest. Then we're going to the sawmill, because all of our logs go through a sawmill to convert to lumber, which enhances the return to the investor.    Keith Weinhold  37:36   Do the teens sleep until noon? Or can we visit them   Mike Cobb  37:38   and then they're on their phones all day If we're gonna go visit them. We'll wake them up and, like, get on their phones. But here's, here's the last parting word. I think it's scary for a lot of people. It is scary. You're going overseas, you're outside of, you know, residential you're going into a new industry. You're going to a new country. The reason this works for so many people, over 1000 now, have done this, is it's such a small bite, $7,000 and if that's maybe one or 2% of your portfolio, what I hate to say, put it on the table and roll the dice, but you'll be happy you did. I'm happy I did. It's a small bite, but that international diversification is so important. And then you put it in something that's absolutely not correlated to the market. It's not correlated to us real estate. I mean, in 2008 to 2012 when real estate was dying in the US, our trees just kept growing. So non correlated, non US, right? And non residential. I think that's the reason you want to take a little tiny piece of your portfolio and put it overseas in something like teak.    Keith Weinhold  38:42   We know over the long term that it has grown in value 5.5% a year, but at the same time, it grows in volume, in the amount of board fees you're getting a crease, an increase in both unit value and volume. It's really growing a couple ways. At the same time, you've had over 1000 different individual investors invest in the teak now, several dozen, maybe even more than 100 of those have been you the get rich education follower. So again, thanks for joining me, Mike. If you want to learn more, start at gre marketplace.com/teak. I'm Keith Weinhold. I'll see you next time.    Yeah, good information from Mike there again for GRE followers, that 6880 price deadline is Monday, June 9, and then it goes to 8680, that is a 26% price increase, and this is because land and planting costs have skyrocketed. And you know, I have long wondered about when they were going to change that same lower price that they've had for a lot of years. The provider recently added a sawmill to convert logs to lumber, and that enhances investment returns. So when you inquire for more info, you can ask about that, and that could very well put them above the 94k per part. Possible projected payout. Teak, hardwood, it just has some amazing physical properties. It's not your run of the mill. Backyard. Maple, it is a real asset. Think of it as a forest that fights back against Fiat and the provider reputation and continuity are almost impeccable. They've even had the same forestry manager, yeah, sort of like a property manager for trees, because trees take things like prunings and thinnings, the same manager for all 26 years of the teak operation. In the future, I might join one of their teak investor tours in Panama, and if I do, I'll be sure to let you know so that we can meet up that might even be a GRE exclusive tour. What you really need to know now is that, again, the lower price is good until Monday, June 9, to get started or simply learn more, visit gre marketplace.com/teak, that's t, e, a, k, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:10   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  41:34   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter. You also get my one hour fast real estate video. Of course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, GRE to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Law of Self Defense News/Q&A
Anti-American Judges PROTECT MIGRANT MONSTERS Over Citizens!

Law of Self Defense News/Q&A

Play Episode Listen Later May 24, 2025 47:39


An unelected, black-robed, tyrannical inferior federal trial court judge is issuing lawless orders to protect MIGRANT MONSTERS who have committed the murder, manslaughter, grape, robbery, and more against US citizens.Join me as I read the court documents describing precisely the heinous crimes of the migrant monsters this crazed federal judge is demanding be protected at the cost and risk of America's own citizens.Court filing migrant monsters: EAH (armed robbery, etc.), JMR (arson, etc.), TN (first-degree murder, etc.), JMG (second-degree murder), KM (child molestation), NM (sexual assault), TTP (first-degree murder):  https://tinyurl.com/yd26vrwpCourt filing migrant monster Burma resident (sexual assault): https://tinyurl.com/ms6tnuvhGet Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

The Tom and Curley Show
Hour 4: Twiggy Went Sailing! 

The Tom and Curley Show

Play Episode Listen Later May 24, 2025 30:33


6pm: I Stand Corrected - Ask, Tell, Correct, or Yell at John about anything // Guest - Alan in Redmond on being unemployed and needing medicaid // Today in History // 2013 - The Skagit Valley Bridge Collapse // Twiggy Went Sailing! 

The Tom and Curley Show
Hour 1: The Skagit Valley Bridge Collapse

The Tom and Curley Show

Play Episode Listen Later May 24, 2025 30:33


3pm: I Stand Corrected - Ask, Tell, Correct, or Yell at John about anything // Guest - Alan in Redmond on being unemployed and needing medicaid // Today in History // 2013 - The Skagit Valley Bridge Collapse // Twiggy Went Sailing! 

Law of Self Defense News/Q&A
Chris Schurr Retrial DECISION, Over Patrick Lyoya Shooting!

Law of Self Defense News/Q&A

Play Episode Listen Later May 23, 2025 61:29


Join me as we watch the Kent County MI Prosecutor Chris Becker announce his decision yesterday on whether to re-try former police officer Chris Schurr for murder over the shooting death of Patrick Lyoya. We'll also hear from the Schurr legal defense team, as well!Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Law of Self Defense News/Q&A
Supreme Court Acknowledges Trump's Executive AUTHORITAY!!!

Law of Self Defense News/Q&A

Play Episode Listen Later May 23, 2025 116:11


Yesterday the Supreme Court handed down what ought to have been an obvious and effortless decision acknowledging the executive authority of President Trump to fire executive branch officers--including Gwynne Wilcox (NLRB) and Cathy Harris (MSPRB)--without constraint by Congress or the courts--even when those officers govern so-called "independent agencies." Of course, because we live in an idiocracy, three of nine justices--shocker: Kagan, Sotomayor, and Jackson--failed to recognize the simple legal reality that the US Constitution places 100% of the executive authority of the United States in the hands of the Article II Executive Branch president.This decision SHOULD ALSO open the door to questioning the underlying legitimacy of ALL the so-called "independent  agencies" for which the Constitution provides zero authority--and there are DOZENS of these agencies ruling over the America people with little, if any, accountability to the citizenry.Join me as I break down yesterday's SCOTUS decision on executive authority, as well as once again explain how the US Constitution ACTUALLY frames and constrains the government our Founders established to serve our nation's interests.Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

The Sandy Show Podcast
The Correct Way To Put On a Bra Debate

The Sandy Show Podcast

Play Episode Listen Later May 23, 2025 19:44 Transcription Available


Tell your smart speaker to "Play One Oh Three One Austin"

Murphy, Sam & Jodi
FRIDAY 5/23 PART 1: The correct way to fly your flag this Memorial Day weekend / Jodi's Hollywood Outsider / 3 Things To Know Today

Murphy, Sam & Jodi

Play Episode Listen Later May 23, 2025 18:02


The correct way to fly your flag this Memorial Day weekend.Jodi's Hollywood Outsider.3 Things To Know Today.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dental A Team w/ Kiera Dent and Dr. Mark Costes
#997: Make Dentistry Economics Understandable Again

Dental A Team w/ Kiera Dent and Dr. Mark Costes

Play Episode Listen Later May 22, 2025 35:57


Fred Heppner of Arizona Transitions is back for part 2 of his chat with Kiera! Life comes at you fast, and sometimes, it comes in the form of a surprise. Kiera and Fred talk about creating an exit strategy today for your departure from dentistry, as well as what the economics look like for moving on from a practice. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:01) Hello, Dental A Team listeners. This is Kiera and I am so excited for you to have part two of me and Fred Heppner going through associates, DSOs, how to really grow this. You guys, we had such an incredible first half of this episode. It was so long and so much information that I wanted to break it into two parts. So here's part two. I hope you enjoy. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.   Kiera Dent (00:24) should people be talking   when they're in their 20s 30s or is it something we're like start to think about it I know Ryan and I from Dentist advisors we we talk shop about this quite often of like there I mean there are studies that show that when you retire you actually start to atrophy in life and ⁓ there isn't as much of a purpose and so we talk often of like how can we continue that   mental stamina, the things that are going to fulfill us, whether it's working or something else of philanthropy, like whatever is going to keep you going as a human, whether you're working in the chair or you're not, I think is important. So that's I was curious of like, really probably connecting with you three to five years before we think we might retire, but with the caveat of, hey, if something were to happen to me, what would kind of be my exit strategy? your like death list like I do, like if I die, this is what's going to happen. It's creepy, but it's awesome.   Fred Heppner (01:15) No, it's, it's creepy and it is awesome. And at the same time, it's a really good conversation to have because if we're three to five years out, then one of the first things to do is say, okay, so what's going to happen if you're not here? And that carries on to the discussion we had earlier. So once the discussion about, what do want to do when you, when you retire or you stop practicing dentistry, then the questions start coming up. What about the economics?   Kiera Dent (01:27) Mm-hmm.   Fred Heppner (01:44) So in any... Yep, absolutely.   Kiera Dent (01:44) I was just going to say, like, is it sell? Is it DSO? it? And also, I mean, this   to me also, I think might exponentially accelerate some people's plans because the DSOs are hot and it's like 10x EBITDA. That might accelerate your retirement or your sell because you're on a wave right now that who knows if in the next 20, 30, 40 years we'll be there. Fred, I'm super curious, like, how is this whole DSO model maybe shifting it for transitions? Or is it? I'm curious.   Fred Heppner (02:13) It is, it's shifted quite a bit, but what it's shifted is a real desire for dentists to be able to sell their businesses and release the management responsibility and to have somebody else take that over. 15, 20. Yeah. I just want to do, I just want to do dentistry. I don't want to manage a business. I don't want to manage people. Um, I don't want to run the company. I want to be able to practice my trade. Well,   Kiera Dent (02:22) you   The dream for every business owner. ⁓   Exactly.   Fred Heppner (02:43) I can tell you that in the last 15, 20 years, it's certainly exploded in dentistry and not in a bad way. And here's why. Dentists graduating from dental school today need a place to work. The banks that loan money to dentists to buy dental practices are looking for dentists that have a couple years experience in dentistry. They have a production track record. The banks can see what it is that the dentist can do. Chair aside.   a good credit score and some liquidity, usually 8 to 10 % of the purchase price of the business that they're looking at in cash. So one of the things to consider is graduating dentists should be able to make the minimum payments on their debt, on their student loans, on what debt they have, and begin to put money away as quickly as possible to gain some liquidity. So as we look at the equation of   what DSOs are doing, they're providing them with a place to work. Because as dentists come out, I mean, the majority of dental practices that I work with, maybe you can echo this or discuss it, are just single dentist practices. Right, they don't have a, somebody called it a plus one at some point time, and I thought, okay, that's decent. So you have the dentistry, but there's the ability to bring somebody on maybe one or two days a week. Well, that doesn't,   Kiera Dent (03:44) Mm-hmm.   Totally same.   Mm-hmm.   Fred Heppner (04:09) That doesn't feed a hungry young dentist coming out of dental school who really has a lot of debt and wants to begin to work and develop a way to reduce that debt. They're looking for four days a week, five. They might have a quality of life thing where they just want to work three tens and be off Friday, Saturday, Sunday, Monday. That's okay. But the point is, is that most private practices don't have the capacity to be able to bring on a full-time dentist and feed them right away and keep them very busy. The DSOs, corporate dentistry,   Kiera Dent (04:19) Right.   Fred Heppner (04:39) have offices that can provide that place. So essentially, if a dentist comes out of school and begins to work, they may very well work for one of the corporate DSOs, which gives them experience. It gives them the ability to work five days a week. It gives them the ability to practice in what I call civilian dentistry out of dental school. And it gives them the opportunity to be able to see what it's really like. I can tell you, Kiera, that 15, I think 15 years ago,   Kiera Dent (04:57) Mm-hmm.   Fred Heppner (05:08) the most popular phone call I would get on my phone line was, hey, we just got 50 million from a private equity firm. We're starting a DSO, but we're different. And we want to buy practices from you because we heard you're good. And I just tell them, great, thanks very much. Get in line, register on my website. And when an opportunity comes up, I will email to you like I do everybody else the opportunity. Because most of my clients call and say, I...   Kiera Dent (05:17) you   Fred Heppner (05:34) Hard no to a DSO. I'm a private practitioner. I've got a legacy practice and I want to sell to another private dentist Okay, so that was the most popular second most popular call was I'm sick of working for a company find me a practice to buy Now it's shifted More so do I hear I'm sick of working for somebody else find me a private practice to buy I'm ready to go The the DSO calls have filtered off of it and I don't know that that's a global   Kiera Dent (05:48) Mm-hmm. ⁓   Mm-hmm.   Fred Heppner (06:03) representation of the DSOs starting to slow their buying and really focus on the profitability of the offices they have to really maintain the profitability due to higher interest rates. Maybe they're slowing down their buying. Who knows? The interesting thing about it is that it's somewhat of a closed loop in DSO work. You really can't get into and find out exactly what everybody is doing unless you're member of their organizations, which is fine. And I respect that.   Kiera Dent (06:12) Yeah.   Fred Heppner (06:32) private information, but it begs the question. And ultimately, if a dentist is looking to buy their own practice, eventually they're going to need those one to two years experience, liquidity, good credit score, in order for them to go to one of the commercial banks and say, I want to buy a practice and let me get a practice to buy and then we'll put it together. Okay? So I can tell you that private practice is alive and well.   Kiera Dent (06:55) Mm-hmm.   Fred Heppner (07:02) very bullish on the individual dentist who's out there still practicing and doing quite well. I can also tell you that those kinds of doctor to doctor transitions are extremely successful. The idea is some people who look at a transition like that would think, my gosh, the dentist leaves, all the patients will leave. They'll go somewhere else, they'll go to other practices. Well, if that was true, let's carry that forward. If that was true,   Kiera Dent (07:14) Mm-hmm.   No.   Fred Heppner (07:28) then that would mean that the loans that the dentist used to buy the practice would go in default, would they not? Because if all the patients left, there would be no revenue and they'd have to fold up camp and see you later, right? The default rate on dental practice loans still over the last 15, 20 years and even recently is 40 basis points. 100 basis points is 1%. 40 basis points is four tenths of 1%. So if you follow the math,   Kiera Dent (07:33) Mm-hmm.   Mm-hmm.   Fred Heppner (07:58) The default rate is less than half of 1 % on the billions of dollars that are loaned by banks for dentists to buy practices. They don't fail. Okay.   Kiera Dent (08:08) Totally. They don't and they're such a   good investment. I think that that's why so many people like, that's why I think DSOs are buying up practices. ⁓ And I think that that's where so many private practice owners now, I would say I've watched where it used to be legacy practices and there's still legacy practice doctors who do not want to sell to a DSO. Like when they're there, they want to sell doctor to doctor, they want to bring in an associate, they want to bring in partners. I think   By default, dentistry tends to be a more humanistic, ⁓ very relationship model ⁓ versus I still think though, right now DSOs, you're right. I don't think people are getting as many calls. ⁓ But what I will say is my doctors are probably getting 20 to 30 emails every month from a DSO interested in buying their practice. So they are getting it as private practice owners. And so I think that that's where, ⁓ like I said, some people within the last eight years bought a practice as a private practice.   the DSOs, they were profitable. were within the metrics that the DSO wanted. And it just made sense. was like, I'm going to get 10x EBITDA on this. My EBITDA is great. No private party is going to pay me what this DSO is going to pay me. And while yes, I'd love it to maintain a legacy practice, I'm in my 30s and I could basically have retirement today. mean, there's more risk selling out because they have a lot of it in their stocks and there's a whole ⁓ game around that.   I think that that's where maybe some of the younger generation might be looking at transitions sooner than I think the more senior population of dentistry is. think that they're starting to be the shift and that's where I'm very curious of like, maybe conversations need to be had sooner. Maybe because DSOs are aggressive on the emails to the dentist. Like it is wild and they are sexy offers to them that are not always true. And that creeps me out too, because they're hearing a number. Like I had a doctor and he had a DSO.   Fred Heppner (09:49) Yep. Yep.   Kiera Dent (10:04) come to him and they said, Hey, we're going to give you 5 million. And he's like, here, it seems like a great deal. And I said, yeah, but you're going to do 5 million next year just in your own production. So that's actually a bad deal because you're already going to make that without selling to them and having to work for them for the next five to 10 years or like three to five is usually what their requirement is. So again, I think that this is where it's like, how do we cut through that noise to know when I do transition? Because I think people are getting asked to transition from private practice.   sooner. You're right, they go work at the DSO, they go to some of those bigger corporate practices to get the experience, then they go buy their private practice, and then it really is, or they do a startup. And then it's pretty aggressive because I think Wall Street's pretty hot right now and private equity is very, very luring, but they do have to hit certain requirements to join DSOs.   Fred Heppner (10:53) Yeah. There are tons of verticals that people are getting into, the private equity is getting into, you're right. There's a ton of money at it. You know, I would tell you that the devil is in the details. It may very well be that there are transitions that occur where a DSO or a corporation acquires the assets of a private practice and the dentist stays and works back in the office. And that transition works swimmingly well for the dentist who sells for the DSO.   Kiera Dent (11:02) Mm-hmm.   Fred Heppner (11:21) And ultimately everything works out fine. There are others that don't and they're, they're out there. And I think what you mentioned earlier is, you know, I could get 5 million from my practice. Well, why would you, you will be able to make that in, your earnings in 2.3 years, whatever it might be, whatever the math pencils that be. But if you think about it, if it, if 10 times EBITDA is their offering price, what are, what are the details? How much cash at closing?   Kiera Dent (11:38) Right.   Mm-hmm.   Fred Heppner (11:49) Is there a work back or a work back arrangement where you will be paid to be the dentist? And what is your compensation? What are the benefits that you would receive? And what is the term of that work back arrangement? You're right. It's creeping up now more into five years. 15, 20 years ago, was maybe, you know, stay on one or two years and we're good. There's a claw back. There's a hold back provision that holds back part of the purchase price. And the dentist has to meet the   Kiera Dent (12:04) Mm-hmm.   Yeah.   Fred Heppner (12:17) has to meet certain metrics from the trailing 12 months to be able to get that back. Well, let's pretend. Let's pretend that the DSO comes in and sets up the practice and nothing changes and the business continues to grow and develop because there's more marketing promotion and advertising. There's better cost control. There's just better stuff going on and that works. Well, what if it doesn't? What if all of a sudden the company comes in and says, we're changing these policies?   You were Delta Dental Premier, we're jumping into PPOs because we've got really good reimbursement rates on these 12 PPO contracts. Well, if that reimbursement rate drops from fee for service, does that hinder the doctor to be able to generate the income necessary for that hold back to be acquired in the next two to three years? And then there's equity. You mentioned that they offer a stock in the company to be able to ultimately participate in a   Kiera Dent (13:09) Mm-hmm.   Fred Heppner (13:15) recapitalization should that happen? Well, it'd be really interesting. You're going to love this one. I know you're going to love this one. So for any of your listeners, any of your A-Team clients, if they get approached by a DSO and they look at it and they think it's really, really good, have somebody look at it. What you will hear typically is you really don't need an advisor. You don't need an attorney. We've got all the contracts ready to go. You can come.   Kiera Dent (13:35) Mm-hmm.   Lies. Lies.   Fred Heppner (13:44) Exactly. You can just take all of this and we'll be good. Well, trust but verify. And ultimately a good team would be able to review these. I would be glad to review. I review paperwork all the time from dentists that are looking to transition. And if there's an equity piece in that offer, I turn around and contact the DSO on behalf of the client. And I say, we'd like to see your financials.   Kiera Dent (14:08) Absolutely.   Fred Heppner (14:11) What do you mean? Well, you're asking my client to acquire stock in your company in lieu of cash at closing. yeah, that's part of the deal. I need to see your financials. I need to advise my client on whether or not you have a healthy company and whether or not my client's going to be at risk by taking stock in your company. Well, nobody's ever asked us that. Well, I am. And doesn't it make sense? We've just provided to you tax returns, profit and loss statements, but sing along if you know the words, balance sheets, W-2, production reports, everything on the business.   Kiera Dent (14:21) Yeah.   things.   Mm-hmm.   Fred Heppner (14:39) And yet you're not willing to provide the other. Just provide the other. Show us that your business is solvent. Show it that it is something that my client would like to receive in stock. So, mon bro.   Kiera Dent (14:50) And there's strategy   for tax around that too. there are benefits to having stock rather than all the cash at closing for your total dollar amount when you want to retire, but only if that stock actually is valuable.   Fred Heppner (15:05) Pays back. Correct. Good. And that   is so brilliant. You see, you're good looking, you're smart, and that's a rare combination today. So, so, but think about it. You just mentioned something that people really don't think. If, if I have a practice and they give me 1.5 million chopped up into the ways that we've mentioned, and I have $200,000 worth of equity in the company, what if that $200,000 is half of 1 %? Well, when they recapitalize, I get half of 1 % of what proceeds, right?   Kiera Dent (15:09) Thank you.   Mm-hmm.   I love it. It's such a...   Fred Heppner (15:35) So map it out. Yeah, map it out. mean, can   you sell your practice twice? sometimes yes, sometimes no.   Kiera Dent (15:43) And there's so many sticky pieces around it. And that's where I feel like it's just a, think this is where people get leery to do it. However, I think like there are some, you said, that go really, really well, but agreed. And when I look at this people like Kiera, like I thought about that doctor and I was like, so sweet. You're going to five mil. That's your 10 X. You're going to produce 5 million. Your overhead right now is sitting at a 50 % overhead. So right now you're taking 2.5. Let's say you do get a $5 million check.   you give me 10 taxes, it's barely over your 2.5, which you're already going to get next year. So like, yes, next year, you still have to pay taxes because you're at a 50 % overhead. So you will still get a small amount more of cash to you. But there's a lot of strategy that goes into that 2.5, pending upon what you need when you invest that, like for every million, it's about like on average, if it's in the stock market, about 35,000 right now is like a very, very, very loose number to like estimate your financial future. But I'm like,   you throw 2.5 into the stock market right now, we'll high five, you're making about 100K a year. Like that's just to me, those are the things that I feel you need to be really smart about to make sure that your practices are assets and not liabilities and something that really will provide the retirement for the work you've put in rather than it just feeling good in the moment, but not really giving the life you want.   Fred Heppner (16:59) You know, excellent point. And what you also said earlier, just in passing was, what dentists could buy my practice. can't sell to a private dentist. I've got to sell to a DSO. ⁓ surprise, surprise. That's a myth. There are dentists who would, I can tell you right now, if you could give me your client's number, I'll buy her practice. Well, yeah, well, I mean, that's gonna, that's gonna pencil. So the, the point that I would make is know that   Kiera Dent (17:12) It is a myth.   Right? I know, me too. I'm like, actually, actually I would.   Fred Heppner (17:29) Dentists that are out there who are looking to buy really profitable practices and can meet the production goals. So there's an important aspect there. Your client's doing two and a half million in profit, five million in productivity on her own. If a person coming in to buy that won't be able to quite meet those production numbers, they may hire the client back for a year or two. The bank may want them to make sure that there's some kind of arrangement where they have some help.   But if a bank is looking at a practice that has that kind of liquidity and profitability, they'll gladly loan the money to the dentist if other measures are there because they know it's going to be paid back. So I want to dispel the myth that big practices with large productivity and big profitability are excluded from private practitioners being able to buy them. It's not true. Is it? Yeah.   Kiera Dent (18:10) Mm-hmm.   I agree. They get nervous because of the debt,   but I have somebody that I know that just bought into a $2.5 million is how much they had to bring to the table. Plus they have their student loan debt, plus they have their house debt and they were able to do it to buy into a practice. so I'm like, I think let's not assume that that's the only route. think figure out what you want and there is a buyer based on the outcome you want. I think Fred, I want to switch gears because I want to ask some questions about associates.   because I think we've kind of gone through like private practice. There's so many things like make sure you're taken care of, make sure you know where you're going. But now I want to switch gears because I think this is something I get asked all the time. And so selfishly again, welcome to curious therapy with Fred. I want to know all the pieces. This is my podcast that you get to be a part of. No, it's for all of you. ⁓ we get asked often, how do you set up a great associate buy-in? So like, how do I buy these people and how do I tether them in? I think one of the greatest, I would say   Fred Heppner (19:06) I'm listening.   Kiera Dent (19:19) stressors and like blind spots in practices and the thing that can really hurt a practice is when they have an associate that associate leaving. ⁓ And so they want to like golden handcuff these associates, but they want it to be good for both parties. What are some of those associate transitions to retain associates to get them in as partners? Is it a good idea? Is it not a good idea? And I think like we can wrap on this because I, I'm super curious of like what you recommend to help with that transition.   Fred Heppner (19:45) The   capacity for the business volume has to be there. You've got to have, not only are you working, but there's this phantom practice out there that you can't get to as the provider. And you need somebody to be able to get to that. So bringing on an associate to get to that phantom practice immediately creates incremental income, which is, to the owner of the business, very liquid.   Kiera Dent (20:03) Mm-hmm.   Fred Heppner (20:07) The cost associated with treating extra people during the course of the day is the associate's compensation and variable cost supplies in lab. And if you're ⁓ providing can-to-can technology and your lab costs are very low, but you're producing crowns in a day, for example, and using that kind of technology, then the cost associated with treating every incremental patient and creating that revenue is very low.   we're suggesting that the team in place can handle the extra work. We don't have to hire an extra assistant or hire an extra administrative person. So given those things.   ⁓ One of the best transition plans, in my opinion, is one that has time built into it. The associate has to develop some traction. They have to generate some productivity. They have to show that they can produce the numbers. But more importantly, the outcomes are good. The treatment outcomes are successful. The patients are adapting to them. The team connects with them. This is a good relationship. As an aside, really quick, when you mention relationship business in dentistry,   I think DSOs traditionally are a transactional business. They're really focusing on the transaction, right? Private practice focuses on the relationship. Not to say that corporate dentistry doesn't focus on relationships. They're focused more so on the transactions. I might get ridiculed for that statement, but that's what I see. And that's my opinion.   Kiera Dent (21:19) I would agree.   Sure,   sure.   Fred Heppner (21:36) So back to the associate, need the associate to develop some traction. And essentially that traction comes from being in the office, seeing patients, working with the team, and ultimately getting feedback along the way. And I think that's a one to two year cycle. Will you know as a practitioner and owner of the business within the first one or two months, if the associate is working two or three days a week or four days a week, will you know, do they get along with the patients? Do they get along with the team? Yes. Will you know about treatment outcomes?   Kiera Dent (21:40) Mm-hmm.   Fred Heppner (22:05) To some degree, yes. So early on, you'll know if this is cut bait, this is not going to work. Or yes, this person's fitting in great, primarily because they were vetted. So quick, quick retract back to how do you hire them? Go through a long process of vetting. Don't just take the first one that appears. Get to know them, make sure they're going to integrate well. I see a lot of associate plans.   work real well when the dentist knows the dentist owner knows the associate coming on board from some past experience. Great example is the dentist associate grew up in town, did an internship kind of in the office as a sterilization tech, kind of worked in the office, found out that dentistry was their passion, went to college for undergrad, went to dental school for dental degree and came back to the town to work for that dentist. Right. Okay, good. So somebody you know, ⁓   Kiera Dent (22:38) Mm-hmm.   Totally.   Fred Heppner (23:00) son of doctor, owner's best friend. So there's history there. You know, the quality of the individual. Okay. So once traction is developed during the part of that associate agreement, there's some discussion about ownership and building an understanding of how the practice works so that when time comes to be a partner and buy in, there's already some traction. There's already some traction so that if the person elects to buy the seller out,   in a couple years, then they can switch roles. But there has to be some traction. One of the things that's really perilous is thinking about jumping into a practice and being a partner right away. If you want to practice and you do two million a year, hygiene does 500, you do 1.5. I'm going to come in and I want to be a partner of yours today because I've heard how great your practice is. And you have the physical plant capacity, you have the patient capacity, and I can step right in.   If I pay you half of the value of your practice today to buy in, we can split up the medicine and supplies and drugs. can split up the equipment. We can split up the office equipment. ⁓ we can split up all the operatories, but how do we sort out the patients? Because come Monday morning, say we close tomorrow, Friday, come Monday morning, I need to have in my schedule, the ability to generate half of the revenue in the business so that I can pay myself and I can pay.   to having bought in. that make sense? And that doesn't really happen easily when somebody just freshly wants to buy in as a partner. So fast forwarding to partnerships, which I hope we get a chance to talk a little bit about today, that associate has to be in that process, in that business for a period of time. And that traction needs to get up so that they've got productivity under their belt. And again, going back to what we talked about about banks,   Kiera Dent (24:32) Mm-hmm. Mm-hmm.   I agree.   Fred Heppner (24:59) they wanna see that that productivity is there, that they'll be able to generate it because they wanna make sure that they get the loan paid for. And a really good associate agreement has, in my opinion, good restrictive covenants, not to compete, not to solicit patients or staff. ⁓ In some states, that's not allowed. The FTC voted that associate agreements or employment agreements should not have restrictive covenants, but there's no legislation yet that has actually mandated that.   Kiera Dent (25:05) Totally.   Fred Heppner (25:26) So keep in mind that it's probably not appropriate to think that you'll be able to limit somebody's ability to work. Now for them to essentially buy your practice, for example, and you as a, agreement have a restrictive covenant that you will agree to that's different because somebody paid you good and valuable consideration money for you not to compete against them because they bought your business in an employment agreement. It's a little different.   Kiera Dent (25:49) Mm-hmm.   Great.   Fred Heppner (25:56) So if a dentist comes and works for another dentist who owns the business, and after a couple of months, it's just not gonna work out, they're not gonna have enough connection with the patient base to solicit patients or solicit staff or the team. They won't. So would it matter if there was a restrictive covenant in that initial agreement? Probably not.   because after a couple months, if they've alienated patients and alienated staff and they're not very good at dentistry, you want them out of there anyway, forget about the restrictive covenant, they could go work for somebody else close by. It's probably the same thing that'll happen.   Kiera Dent (26:36) I think it's really wise because I think so many offices hire an associate, but they're so scared to move them along in two months. I think that was wise advice you listed. It is so much easier to move them on in two months than it is to keep them for six months, eight months, 10 months, and then realize their dentistry or their team connection or their patient connections not there. so ⁓ it's, it's be very intentional within those first 90 days and make sure that this will be a long-term fit. ⁓ You can see it in two months.   Fred Heppner (27:01) So how does this,   you can, I'm sure you can. How does this sound? For the first six months of an associate agreement, maybe you don't have quite a good background, deep background about that individual, but you feel that they would be good in the practice. They come recommended by their instructors at university, at dental school. was highly, someone was highly recommended. How about a single page,   six month agreement that says you come to work for me, I will pay you this. And if you want to go, you can go. If I feel you need to go, I'm going to release you. It's an at will agreement, no restrictive covenants, nothing in it that locks anybody down. Because again, what I mentioned earlier is how much traction can you generate really in one or two, three, four months, because you'll know after four or five months that this is somebody really want to lock in at six months, develop a really strong, well-written attorney reviewed.   employment agreement that has restrictive covenants that has specific on how to redo cases in case they need to be done at the end of the employment agreement. Right. What do you think? I mean, does that give that give the opportunity?   Kiera Dent (28:08) Sure.   I think,   I mean, I like it. think that the devil's advocate in me would say, I'm not sure that the ⁓   millennial Gen Z generation coming through would say yes to six months. I think that they're looking for more security. They're looking for more guarantees. They come in with a lot more debt and a lot more risk that I am really curious. As a business, I think it's freaking brilliant. As on the other side, I'm curious, would you be able to get candidates that would want to come or is it too risky of an offer?   Fred Heppner (28:43) You mean,   yeah, do you mean the associate dentist coming on board is thinking more about themselves rather than the practice?   Kiera Dent (28:52) I think with the associate offers that are given currently, ⁓ I think agreed. It does show that they're thinking about it, but I also feel for a practice making sure that they're competitive with offers. I don't love having to be ⁓ like with hygienists. I don't want to have to go chase them, but you have to at least be competitive with other people in the market. So I think I agree with you. I just feel for practices making sure that maybe   Fred Heppner (29:05) ⁓   I understand what you're saying.   Kiera Dent (29:19) you are so competitive with other people and offer. So you do get the candidates, but you can have some of these ideas within like that I think would make you even maybe more attractive. So maybe it's a year that we're offering, but like, Hey, in the first six months, there's no restriction. There's no nothing. We add that in in six months. So that way you are competitive with other people. Cause I think associates, they need that security and I'm watching more and more come through. I mean, they're walking out with one mil plus 2 million in debt. Like, so I think that   I think to be competitive with others, might need to be a possibly. This is my hallucination that could possibly just make sure you're competitive.   Fred Heppner (29:53) Well, well, no, you're   so you're right on you're in a you're in another section of what the employment agreement might look like called compensation and benefits. I'm looking at just the period of time that you would be that a dentist would be employed in the practice to determine if it's a right fit for them and if it's a right fit for the practice and if it's a right fit for the patients and the team. Compensation can say exactly what you were saying. Now,   Kiera Dent (30:16) Right.   Fred Heppner (30:22) Unfortunately, it isn't the responsibility of the practice to provide for somebody who is unproven in their debt or to satisfy their lifestyle requirements. Yes, they're competing with other organizations that are offering salary, health insurance, vision, life insurance policies, all of those benefits that come along with big corporations. However,   It's a private practice. And the sooner I think that dentists who are coming on as associates know the intricacies and the difficulties of running a business and also the rewards that come with it, they would understand better how those arrangements are made. And I've seen compensation programs set up where it's the greater of over two weeks, a compensation per day or a percentage of a certain amount over a certain amount of productivity. So you can meet those requirements. can kind of meet.   Kiera Dent (31:15) Mm-hmm.   Fred Heppner (31:16) Kind of need halfway in between.   Kiera Dent (31:18) Yeah, and I think that that's where I was saying of I feel like making sure that you're meeting in the middle. I love the idea of being able to protect like, you're right, like not being stuck in this with someone who's not working out and getting stuck, I think is actually something that happens all the time with associates. ⁓ And so I think like, Fred, it was such a fun like,   chat about us. I agree, we need to chat more partnerships because now it's like, okay, we've got these associates, we've got some ideas on it. We've heard about figuring out where we want to go and how we're going to be able to get there and needing to think about our future life and how when we need to transition, you said the three to five years, I think looking for like, what do need to do to be able to buy a practice? If I want to buy a practice, what do need to get? Then we talked about like the DSO offers coming for private practices, and how to assess that through Fred.   And then we moved into associates. So Fred, like that was such a like smorgasbord of topics, which I love. And I think definitely reconnecting because I think there's the next step is like, how do we bring in these associates for partners if we want them? How can we build a legacy practice? That's not necessarily just the DSO. So I'd love to get you back on the podcast and chat partnerships and like alternative transitions beyond, but gosh, Fred, such a fun podcast today.   Fred Heppner (32:10) It was fun.   I am   happy to do it anytime. I appreciate what you do for dentistry. So I'll absolutely support you and be glad to do it.   Kiera Dent (32:36) Thank you. Well, Fred, as we wrap up today, were there any last thoughts you had to give to the listeners? And of course, ArizonaTransitions.com, ArizonaTransitions.gmail. If you're looking to transition or associates or what do I do or hey, Fred, I just need help. But any last thoughts you have as we wrap up today?   Fred Heppner (32:52) Yeah, I think   I tell you a funny quip that I think resonates with most people that I talk to. Dentists are excellent at curing dental disease, at diagnosing conditions and recommending treatments and working with patients to get them well. And, ⁓ coming into an event like purchasing a practice or selling a practice where they've never done it before. They don't have the experience or the education.   going in to understand what to do. I would encourage them to get advice and guidance from a great team. ⁓ I have a deal with my dentist. Mike Smith is brilliant. He has a practice called the biting edge here in Phoenix and he's brilliant. And he and I have an agreement. I don't do my own dentistry.   And he doesn't do his own practice transition stuff or practice management stuff. He relies on me to do that because they're in the middle. meet. So I want him to cure my dental conditions and make sure I'm in the optimum dental health that I could be. And I'm to make sure that I provide the services to him so that if he's looking to acquire a practice or merge an office into his, or figure out how the next plan would be for his practice growth or his transition, that he's going to sit down with me because he understands that that's my expertise and he.   he benefits from.   Kiera Dent (34:15) Yeah, I love that. That's such a good way to look at it. Let's sit in our lanes. Let's do what we're really good at and not try to be a one-stop shop. I think that that's brilliant, Fred. And I feel like for all those looking for the transitions for what do we do? How can I do it? Reach out, Fred. I think you're a wealth of knowledge. You've been in it for a long time and just truly so grateful to have you on the podcast today.   Fred Heppner (34:36) It's my pleasure. Absolutely. Have a great day. Talk to you soon. Bye here.   Kiera Dent (34:39) Awesome. Thank you. And thank you,   Fred. Thank you, all of you. And for all of you listening, thanks for listening. And I'll catch you next time on the Dental A Team Podcast.  

Law of Self Defense News/Q&A
Judge Ho Slams SCOTUS: “We're a courthouse, not a Denny's!”

Law of Self Defense News/Q&A

Play Episode Listen Later May 22, 2025 80:05


Judge James Ho, sitting on the 5th Circuit Court of Appeals, and recipient of the Supreme Court's latest zany opinion involving the Alien Enemies Act, has published a seven-page scathing indictment of SCOTUS, chastising the court for denigrating the inferior federal courts, the Article II Executive Branch, and the rule of law itself—all in apparent pursuit by SCOTUS and many Progressive inferior judges of the politicization of the Article III judicial branch of government which was designed by our Founders to be thoroughly non-political. To say that it's rare to have an inferior federal judge chastise the Article III Supreme Court of the United States is an understatement of galactic proportions.  It's also worth noting that if Judge Ho were submitting an application to the Trump administration to be a candidate for a seat on SCOTUS, he could not have done a better job than to have authored this opinion.Join me as I break down Judge Ho's take on the Supreme Court's latest Alien Enemies Act shenanigans. Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Behavior Gap Radio: Exploring human behavior...with a Sharpie
1301 | A Wise Money Friend Is Curious, Not Correct

Behavior Gap Radio: Exploring human behavior...with a Sharpie

Play Episode Listen Later May 22, 2025 1:02


In episode two of Your Wise Money Friend, Carl explores the idea that wisdom isn't about being right—it's about being present. A wise money friend won't hand you a to-do list or correct your choices. Instead, they ask the deeper questions that help you see yourself more clearly. Because the goal isn't certainty, it's clarity.Want more from Carl? Get the shortest, most impactful weekly email on the web! Sign up for the Weekly Letter from Certified Financial Planner™ and New York Times columnist Carl Richards here: https://behaviorgap.com/ 

Positive University Podcast
Positive Leadership Tip | Ep: 1 Connect Before You Correct

Positive University Podcast

Play Episode Listen Later May 21, 2025 0:58


As a leader, I've learned one truth that changes everything: connection comes before correction. In this Positive Leadership Tip, I share why building trust and showing care is the foundation for real influence. When your team knows you're for them—not against them—they're more open to feedback and more likely to grow. If you want better engagement and long-term success, it starts with how you show up. I hope this encourages you to lead with connection today—and every day.   Here's a few additional resources for you… Follow me on Instagram: @JonGordon11 Order my new book 'The 7 Commitments of a Great Team' today! Every week, I send out a free Positive Tip newsletter via email. It's advice for your life, work and team. You can sign up now here and catch up on past newsletters. Join me for my Day of Development! You'll learn proven strategies to develop confidence, improve your leadership and build a connected and committed team. You'll leave with an action plan to supercharge your growth and results. It's time to Create your Positive Advantage. Get details and sign up here. Do you feel called to do more? Would you like to impact more people as a leader, writer, speaker, coach and trainer? Get Jon Gordon Certified if you want to be mentored by me and my team to teach my proven frameworks principles, and programs for businesses, sports, education, healthcare!

The Dogg Zzone by 1900HOTDOG
Dogg Zzone 9000 - Episode 228, Clown Detective with Dennard Dayle

The Dogg Zzone by 1900HOTDOG

Play Episode Listen Later May 21, 2025 68:06


The DOGGZZONE welcomes back Dennard Dayle to the DOGGZZONE! Quick, name three sexy things. Don't be shy... Correct! Clowns, Christians and beans. Heaving, gelatinous mouthfuls of steaming hot baked beans. BBQ if you're nasty. Now, imagine a book that packs all three of these, (your favorite) erotic ingredients into a violent, (also hot) action/noir. An LLM hallucination that will leave you honking and horny, (on account of those sweet whore beans you see) it's none other than Duane Laflin's titillating tome, "The Party Is Over! (The Detective Was A Clown)"   

Law of Self Defense News/Q&A
Feds Charge FELONIES Against Congresswoman Who Attacked ICE!

Law of Self Defense News/Q&A

Play Episode Listen Later May 21, 2025 51:24


US Congresswoman LaMonica McIver finds herself at the sharp end of "FAFO" as she has now been charged with two federal felonies for her May 9 attack on ICE agents at a New Jersey detention center housing violent illegal criminal migrants. Criminal complaint: https://tinyurl.com/fbbf4skmAlthough McIver claims that she was at the detention center in pursuit of her Congressional oversight function and that she never attacked anyone, video from numerous angles captures her forcibly elbowing ICE agents, and using her considerable mass to unlawfully force her weighty will upon them. Join me LIVE as I break down the federal criminal complaint that has now been issued against this US Congresswoman who forcibly attacked ICE, and is now being held accountable by the federal attorney general's office. Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Smiley Morning Show
Cost Is Correct - Indy 500 edition

Smiley Morning Show

Play Episode Listen Later May 21, 2025 12:27


See omnystudio.com/listener for privacy information.

Law of Self Defense News/Q&A
MASS Deportations, Mayorkas Treason, Sanctuaries Foiled, & More!

Law of Self Defense News/Q&A

Play Episode Listen Later May 20, 2025 84:23


First, the Supreme Court in an 8-1 decision yesterday ruled that the Trump administration had the legal authority to end to so-called TEMPORARY Protected Status program that President Joe “Auto-pen” Biden had granted to hundreds of thousands of third-world migrants, lifting an injunction that had been imposed by an Obama-nominated federal judge in San Francisco. Second, Biden head of Homeland Security Alejandro Mayorkas, who repeatedly testified to Congress that the American borders were secure even as millions of illegal criminal migrants were invading our nation, is reportedly looking at possible treason charges to be brought Attorney General Pam Bondi. Third, Trump's Department of Homeland Security has found “this one simple trick” to foil the efforts of sanctuary states and cities from preventing the deportation of violent criminals from their communities—and I'll share that trick with you today!Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Law of Self Defense News/Q&A
Milwaukee Judge Who Obstructed ICE Headed to Federal Trial!

Law of Self Defense News/Q&A

Play Episode Listen Later May 19, 2025 42:16


Milwaukee Judge Hannah Dugan is headed to a criminal prosecution in Federal court on July 21, 2025, on charges of obstruction and concealing an illegal criminal migrant Eduardo Flores-Ruiz from ICE and other federal agents waiting to make his arrest outside her courtroom on April 25.  Dugan reportedly directed Flores-Ruiz and his attorney through a side exit to avoid ICE agents waiting in a public hallway.Judge Dugan was arrested by the FBI that same day, suspended from the bench four days later, and indicted by a federal grand jury on two felony counts on May 13. If convicted the judge is looking at about 5 years in prison, and up to a $350,000 fine. Interestingly, the case has been assigned to Federal 7th Circuit Judge Lynn Adelman, an 86-year-old Clinton appointee who has never taken senior status. The judge is known as a hard-core political leftist and has been sanctioned the 7th Circuit Judicial Council for having made anti-Trump and anti-Republican statements that were deemed to be reasonably seen as raising questions about his impartiality on the bench. Since the indictment Judge Hannah's defense counsel has filed a motion to dismiss the charges on the grounds of judicial immunity. Join me LIVE as I break down both the indictment and the defense motion to dismiss!Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Law of Self Defense News/Q&A
SCOTUS Freezes Deportation of Alien Enemies! What's Next?

Law of Self Defense News/Q&A

Play Episode Listen Later May 19, 2025 87:43


This past Friday the US Supreme Court issued an order freezing Trump's efforts to deport violent Tren de Aragua terrorists under the Alien Enemies Act proclamation issued by the President on March 14, 2025, almost two months prior. What are the implications for the Article II Executive Branch and its efforts to secure America from the predatory invasion of TdA? To what degree can the unelected, black-robed, tyrannical Article III federal district courts freeze the ability of the elected Article II Executive Branch president to deport violent aliens from our shores?Join me LIVE as I dive into this most recent SCOTUS decision on the Alien Enemies act, and the likely consequences to follow!Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Les Grandes Gueules
La campagne du jour - Charles Consigny : "Le renouveau, c'est Bruno ! Il est en rupture totale avec toute forme de politiquement correct. Les gens n'aiment pas la droite qui se laisse intimider par la gauche" - 19/05

Les Grandes Gueules

Play Episode Listen Later May 19, 2025 0:40


Aujourd'hui, Charles Consigny, Zohra Bitan et Frédéric Farah débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Christ Fellowship Baptist Church
Correct Ways to Correct: How Best to Address Sin

Christ Fellowship Baptist Church

Play Episode Listen Later May 18, 2025 45:54


303Endurance Podcast
IRONMAN Boulder 70.3 Race Recon with Brian Bohrer

303Endurance Podcast

Play Episode Listen Later May 17, 2025 78:11


#491 IRONMAN 70.3 Boulder Race Recon Welcome Welcome to Episode #491 of the 303 Endurance Podcast. We're your hosts Coaches Rich Soares and April Spilde. Thanks for joining us for another week of interviews, coaching tips and discussion.   It's IRONMAN Boulder 70.3 Central up in here! It seems like every day I'm bumping into another athlete who is registered to race Boulder 70.3. We have six athletes between us that are racing.    We will see all of you racing when you arrive at Boulder Res before the sun comes up. Whether you are racing, volunteering or spectating, we have the 411 on Boulder 70.3 with Race Director, Brian Bohrer for the interview style race recon.   April, two questions for you: 1) what are you looking forward to most with Boulder 70.3? 2) what's one word to describe how you feel about the G2G Swim Focus camp this weekend?   Hey Rich! Way to lead out from the jump! With Boulder 70.3, I'm most excited to be in the Transition area with you and seeing our athletes get hyped! Peter will also be there taking photos of all the action! Special shoutout to my athlete Gabbi, who will be competing in her first 70.3, and to Sasha as well!   The one word I'd use to describe how I feel is “ECSTATIC” which I think is a good mix between excited and static (think like electricity), supercharged to get gritty with you and our athletes this weekend!   Show Sponsor: UCAN UCAN created LIVSTEADY as an alternative to sugar based nutrition products. LIVSTEADY was purposefully designed to work with your body, delivering long-lasting energy you can feel. Whether UCAN Energy Powders, Bars or Gels, LIVSTEADY's unique time-release profile allows your body to access energy consistently throughout the day, unlocking your natural ability to finish stronger and recover more quickly!   In Today's Show Announcements and News Interview: IRONMAN Boulder 70.3 with Brian Bohrer Get Gritty: Let your actions be your reward TriDot Workout of the Week: Broken 300's Fun Segment: Limerick Lane: Guess That Swim Word!   Announcements and News: Our Announcements are supported by Vespa Power today. Endurance athletes—what if you could go farther, faster, and feel better doing it? With Vespa Power Endurance Nutrition, you can unlock your body's natural fat-burning potential and fuel performance without the sugar crash. Vespa helps you tap into steady, clean energy—so you stay strong, focused, and in the zone longer. Less sugar. More power. Real results. Fuel smarter with Vespa—because endurance is earned, not spiked.   Upcoming Programming -  May 24 - Coach Bobby McGee on the upcoming Run Camp May 31 May 31 - Bike Camp Highlights and interviews G2G Spring Training Camp May 17-18 - Swim Focus in C.Springs and Chatfield May 24-25 - Bike Focus - Chatfield/Chatfield May 31-June 1 Run Focus - Boulder/Boulder   TriDot Pool School July 26-27. https://www.tridotpoolschool.com/component/eventbooking/pool-school/tridot-pool-school-20250726-844-986-401-167-857/94?Itemid=762   Learn more about it at https://grit2greatnessendurance.com/training-camp   Fun note: last Saturday we had Isabelle, Stephanie, Laura, Sean and Olivia take the 1st Saturday in May polar plunge at Chatfield. We took a temperature and it was 57 degrees. Laura took off like a champ and the rest of us got ice cream headaches. We then rode for about 2.5-3 hours in the park and then did our off-the-bike runs on the trails.   Ask A Coach Sponsor: G2G Endurance Let's cut to the chase: you want results, we've got the tools. Grit2Greatness Endurance Coaching + TriDot = smarter workouts, better feedback, and real progress. Click either mine or Coach Rich's TriDot link & get 2 weeks free, and train with purpose from day one. After that, it's as low as $14.99/month. Ready to train like an athlete on a mission? Hit our link in the show notes and let's get started today! Website - Grit2Greatness Endurance Coaching Facebook page @grit2greatnessendurance   Coach April Spilde April.spilde@tridot.com TriDot Signup - https://app.tridot.com/onboard/sign-up/aprilspilde RunDot Signup - https://app.rundot.com/onboard/sign-up/aprilspilde    Coach Rich Soares Rich.soares@tridot.com Rich Soares Coaching TriDot Signup - https://app.tridot.com/onboard/sign-up/richsoares RunDot Signup - https://app.rundot.com/onboard/sign-up/richsoares   Interview: Brian Bohrer Brian Bohrer is a seasoned endurance athlete and race director with a remarkable journey completing multiple Ironman triathlons, marathons, and countless endurance events. As a key figure in Ironman event production, Brian brings passion, precision, and athlete-first leadership to every race he directs.    Informational Highlights: Race Day Details: Saturday, June 14, 2025 Boulder Reservoir, Boulder, CO   Course Highlights: Swim: A single-loop, counterclockwise swim in the pristine Boulder Reservoir, starting from the east boat ramp and exiting at the west boat ramp. Bike: A two-loop course beginning at Boulder Reservoir, featuring rollers and fast descents along Diagonal Hwy and Hygiene Rd. Run: A two-loop trail run around Boulder Reservoir on packed dirt roads, offering scenic views and fast, downhill rollers.   Important Event Week Information: To ensure a smooth race week, please note the following logistics: Expo Address: 6300 Diagonal Hwy, Boulder, CO 80301 Thursday (June 12): Expo and Athlete Check-In at Boulder Reservoir. Parking available at the Reservoir. Friday (June 13): Expo, Athlete Check-In, and Bike Drop-Off at Boulder Reservoir. Parking available at the Reservoir. Saturday (June 14 - Race Day): No parking at Boulder Reservoir. All athletes must take the shuttle service.   Shuttle & Parking Details: • Due to construction off HWY 119, the main shuttle/parking lot entrance of Kyndryl (formerly IBM) is blocked. Please follow signs to the Monarch Rd. entrance (formerly IBM) parking lots. • Allow 15–20 extra minutes on race morning for traffic and shuttle boarding. • Athletes have priority on the shuttles; friends and family will board after all athletes. • No dogs allowed on shuttles or at the Reservoir.   We are privileged to be in the IRONMAN Boulder 70.3 Transition Area again for 2025. As Captain, one of my responsibilities is to recruit volunteers to be in the Transition Area on race morning to assist athletes prepare for the swim and get through T1 safely. If you like watching the race and cheering for spectators, there is no better seat in the house. As a volunteer you will be in the middle of the action and the volunteer shirt will get you access to a lot of places regular spectators cannot access (eg finish line). Please join me by signing up for the Transition Area early shift. It's a dang early morning, but you are also done relatively early and will have a blast! https://ironman.volunteerlocal.com/volunteer/?id=88391&job_name=transition%20t1   Get Gritty Tip: Our Well-being Lies in Our Actions Marcus Aurelius If your happiness relies on your accomplishments, what happens if fate intervenes you don't? What you do achieve everything you set out to achieve and nobody is impressed? We should take pleasure from our actions, rather from the results that come from them. When we celebrated Paul Hunziker's success and his marathon PR, we weren't focused on the outcome. Yes that was the PR was the click bait, but the interview there were more letters and words in “The Making of a” PR. The making is the point. The ambition should not be to win but to play with a full heartful effort.  TriDot Workout of the Week: Broken 300's   Welcome back to another segment of the TriDot Workout of the Week, where we break down a featured session designed to sharpen your edge and build specific skills that move the needle. This week, we're diving into the Broken 300's — a swim session that's as much about mental focus as it is about physical execution. “Broken” sets like this one force you to stay dialed in. You're not just logging meters — you're working precision, intensity control, and technique under fatigue. From Zone 4 intervals to strategic drill work and controlled builds, this set challenges your ability to switch gears, stay intentional, and swim with purpose from start to finish. So grab your goggles, shake off the autopilot, and let's break down what makes this workout so effective. First, "Broken" swim sets consist of one or more rounds of efforts totaling a specific distance such as Broken 300s. Each 300 effort may differ in intensity, technique, and/or number of rests within the effort. In addition to building fitness, these sets force you to maintain mental focus and be intentional with your intensity and technique. Main Set 2 x 150 @ Z4 (20 sec) 300 @ Z2 (20 sec) 2 x 100 Drill/Swim Choice by 50 (20 sec) 3 x 100 @ Z4 (20 sec) 300 Build to Z4 (20 sec) 2 x 100 Drill/Swim Choice by 50 (20 sec) 4 x 75 @ Z4 (20 sec) 300 @ Z2     Cool Down Balance of time @ Z2 and/or repeat warmup drills as time permits. That wraps up this week's TriDot Workout of the Week. Remember, Broken 300's are more than just a swim set — they're a test of your ability to stay present, stay sharp, and push through structured discomfort. As always, don't just get through the workout — get something from it. Train with purpose, and bring that focus to your next race or challenge. Okay Rich, it's now time for our NEW fun segment! Are you ready? Fun Segment: Limerick Lane! Welcome to Limerick Lane: Guess That Swim Word! — the game where I drop a swim-themed limerick with one key word missing, and it's up to you to guess what it is. These little rhymes may be fun-sized, but don't let them fool you — your swim knowledge and wit are about to be tested!     Game Instructions: Each limerick ends with a missing word that you have to guess. I will give one hint if you're stumped. Correct guesses earn you bragging rights… and maybe a virtual gold swim cap (or green)!   A triathlete swam in the bay, But panicked and lost his way. He stopped mid-course, And swam back with force, Using only his arms — no _____. Hint: What does a pull buoy do?   A coach with a stopwatch so fine, Shouted “Faster! You've got to make time!” With flip turns that stick, You'd better be quick, If you want to improve your next _____. Hint: Swim time.   A swimmer once started aghast, But found that her energy had passed. By lap number four, She could sprint no more, She'd fallen prey to going out _____. Hint: Classic pacing mistake.   He dove in with barely a glance, Ignoring the circle swim dance. He zigged and he zagged, The swimmers all nagged, And never gave sharing a _____. Hint: Good swimmers take turns in the lane!   Closing: Thanks again for listening this week. Please be sure to follow us @303Triathlon and @grit2greatnessendurance and of course go to iTunes and give us a rating and a comment. We'd really appreciate it! Stay tuned, train informed, and enjoy the endurance journey!  

Law of Self Defense News/Q&A
SCOTUS: "Birthright Citizenship" & Nationwide Injunctions!

Law of Self Defense News/Q&A

Play Episode Listen Later May 16, 2025 129:35


Join me LIVE as I break down yesterday's oral argument before the Supreme Court on so-called "birthright citizenship" under the 14th Amendment, and the egregious practice of nationwide injunctions by unelected black-robed tyrannical, inferior federal district trial court judges. Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Wrestling Pov Podcast
Episode 475 Don't correct me!

Wrestling Pov Podcast

Play Episode Listen Later May 16, 2025 142:59


In this episode the wpov crew discuss the passing of sabu, listener email, this week in wrestling the 5 second shuffle championship and more! 

Father On Purpose Podcast
Ep. 203: Listen to Connect, Not Correct

Father On Purpose Podcast

Play Episode Listen Later May 16, 2025 46:58 Transcription Available


Struggling to connect and communicate well with your kids? You're not the only one. In this episode, Kent and Lawson explore why meaningful communication isn't just about saying the right words. It's about aligning your heart, ears, and mouth. Drawing from Luke 6:45, they unpack how what's stored in your heart inevitably spills out in your speech—for better or worse. Today's episode will help you learn how to shift from correction to connection with your kids. If you want your words to build trust instead of barriers, this one's for you.   Become a member of the fatherhood guard: https://manhoodjourney.org/donate/ Buy Kent's latest book Don't Bench Yourself here: Don't Bench Yourself on Amazon  Support the show and upgrade your fatherhood swag. Shop Range Leather and get 15% OFF with code MJ15

Graham Allen’s Dear America Podcast
Chad's Church: The Correct Way To DEFINE Jesus

Graham Allen’s Dear America Podcast

Play Episode Listen Later May 15, 2025 52:40


Check out our sponsors: ✅ Patriot Protect - http://patriot-protect.com/chad ✅ Allied Oil - https://alliedoilfield.com/ ✅ BetOnline - https://betonline.com Episode Description: Who is Jesus… really? In this powerful, 40-minute biblical message, we dive deep into the true identity of Jesus Christ—not just as Savior, but as the reigning King of the Kingdom of God. Drawing from Scripture, this episode will reignite your faith, reshape your perspective, and remind you that the throne is not empty—Jesus is seated, exalted, and in control. Whether you're weary from the world, hungry for truth, or simply want to encounter Christ more deeply, this message is for you. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Evolution of a Snake
Ranking Taylor Swift's Albums: Our Extremely Personal, Very Correct List

The Evolution of a Snake

Play Episode Listen Later May 15, 2025 74:16


GET TICKETS TO EOAS LIVE: https://www.evolutionofasnake.com  We did it. We each ranked our top five Taylor Swift albums—and no, we didn't agree on everything. In this episode, we get into how our relationships with certain albums have changed over time, why emotional depth and live performances matter, and what it means to grow up alongside Taylor's music. There are some hot takes, some tender moments, and at least one surprise contender. https://bit.ly/evolutionofasnake Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are You Serious Sports
The Truth Between LSU & Clemson | Way To Early Look | Can LSU Correct Their Wrongs?

Are You Serious Sports

Play Episode Listen Later May 15, 2025 21:09


Hochman and Crowder
Hour 1: Were the Heat correct in not paying Jimmy Butler? Coach L weighs in

Hochman and Crowder

Play Episode Listen Later May 15, 2025 44:36


In hour one, Panthers got the job done… and then some! Hoch's NBA Finals MVP bet is still in play. Udonis Haslem points out the harsh truth about why Jimmy Butler couldn't keep the Warriors alive without Steph Curry. Plus, Jim Larrañaga, joins the show to recap the chaotic last few days of the NBA playoffs.

Are You Serious Sports
The Truth Between LSU & Clemson | Way To Early Look | Can LSU Correct Their Wrongs?

Are You Serious Sports

Play Episode Listen Later May 15, 2025 21:09


Revitalize & Replant with Thom Rainer
The Time of Worship Services on the Website Is Not Correct: The Unforced Error Series

Revitalize & Replant with Thom Rainer

Play Episode Listen Later May 14, 2025 25:40


An “unforced error” is a term borrowed from sports, especially tennis, meaning a mistake made due to one's own lapse rather than being forced by an opponent. In everyday language, it refers to an avoidable mistake or misstep, typically resulting from a lack of attention or care rather than external pressure. Thom and Jess examine one of the most common unforced errors in this podcast: the time of worship services on the website is not correct. The post The Time of Worship Services on the Website Is Not Correct: The Unforced Error Series appeared first on Church Answers.

Collectors Gene Radio
Bryan Calvero - Founder, Period Correct

Collectors Gene Radio

Play Episode Listen Later May 14, 2025 63:41


Today's guest is someone whose eye for design, reverence for history, and devotion to craft have quietly shaped a corner of automotive culture that feels both soulful and sharply considered. My guest today is Bryan Calvero, the founder of Period Correct, a brand that merges motorsport heritage with modern design sensibility—speaking as much to car collectors as it does to aesthetes.Before launching Period Correct, Bryan cut his teeth running Case Study Group, distributing streetwear brands across the country. But it's his passion for cars—real cars, rare cars, meaningful cars—and the stories behind them that's defined his journey. His personal collection has ebbed and flowed, including everything from a 997 GT3 RS to a Renault R5 Turbo, a Bentley Continental R, Rolls Royce Phantom, you name it. From Jean Prouvé furniture to the archives of Vasek Polak, his collection spans categories with an effortless sense of cohesion.In this episode, we talk about collecting with instinct, collaborating with integrity, and why Period Correct means a heck of a lot more than just being accurate.So without further adieu, my friend Bryan Calvero, founder of Period Correct, for Collectors Gene Radio.Bryan Calvero - https://www.instagram.com/bperiodcorrect/?hl=enPeriod Correct - https://periodcorrect.com/Period Correct's Instagram - https://www.instagram.com/periodcorrect/?hl=enCameron Steiner - https://www.instagram.com/cameronrosssteinerCollectors Gene - https://www.collectorsgene.com

Steinmetz and Guru
Hour 1 - Can Warriors Correct Game 3, in Game 4?

Steinmetz and Guru

Play Episode Listen Later May 12, 2025 35:38


Steiny & Guru break down Game 3 and discuss their immediate reactions to the Warriors failing for a second-straight loss and why they've put the pressure on themselves to play at a higher level than most are giving them a chance for.

Law of Self Defense News/Q&A
Democrat Insurrection! Suspend Habeas! Trump v. SCOTUS!

Law of Self Defense News/Q&A

Play Episode Listen Later May 10, 2025 69:47


On May 9, 2025, various deranged Democrats--including U.S. Representatives Robert Menendez Jr. and Bonnie Watson Coleman, as well as the Mayor Ras Baraka of Newark, joined protesters in violent breach of the ICE Delaney Hall Detention Center in Newark, NJ. The group stormed the facility, occupying a guard shack to protest its role as an immigration detention center. The Department of Homeland Security slammed the action as a "dangerous stunt" risking safety, stating the lawmakers could've requested a tour. #DelaneyHall #ImmigrationProtest #CongressProtest #NewarkNJ #DHS #BreakingNewsGet Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Do This, NOT That: Marketing Tips with Jay Schwedelson l Presented By Marigold
TARIFF Impact: Use Brain Science Marketing in Uncertain Times

Do This, NOT That: Marketing Tips with Jay Schwedelson l Presented By Marigold

Play Episode Listen Later May 9, 2025 16:43 Transcription Available


In this episode of Do This, Not That, host Jay Schwedelson welcomes Nancy Harhut, co‑founder of HBT Marketing and bestselling author of Using Behavioral Science in Marketing. Nancy unpacks cognitive shortcuts—like autonomy bias and magnitude encoding—that marketers can leverage to lift response rates even in shaky economic times.====================================Best Moments:(00:40) Introduction of behavioral‑science expert Nancy Harhut(01:50) Marketing during uncertain economic times(03:25) Autonomy bias—why giving choices boosts conversions(04:39) BYAF (“But You Are Free”) technique can double response(07:27) Magnitude encoding: how price positioning shapes perception(09:20) Physical space the price takes up influences value perception(10:18) Correct placement of original vs. sale prices for max impact(13:24) The reciprocity principle—favors that compel customers to repay(14:35) Where to connect with Nancy and grab her book=================================================Check out our 100% FREE + VIRTUAL EVENTS! ->EVENTASTIC - The worlds LARGEST event about EVENTS! June 5-6 2025Register HERE: https://www.eventastic.com/RegistrationGuru Conference - The World's Largest Virtual EMAIL MARKETING Conference - Nov 6-7!Register here: www.GuruConference.com=================================================Check out Jay's YOUTUBE Channel: https://www.youtube.com/@schwedelsonCheck out Jay's TIKTOK: https://www.tiktok.com/@schwedelsonCheck Out Jay's INSTAGRAM: https://www.instagram.com/jayschwedelson/=================================================AND don't miss out on this awesome FREE upcoming Quick Hit!Marigold: Should I Switch Email Platforms? 5 Truths & Myths!May 30th 11am – 12pm ET.Register HERE: https://www.linkedin.com/events/7325947932031991808/comments/=================================================MASSIVE thank you to our Sponsor, Marigold!!Email chaos across campuses, branches, or chapters? Emma by Marigold lets HQ keep control while local teams send on-brand, on-time messages with ease.Podcast & GURU listeners: 50 % off your first 3 months with an annual plan (new customers, 10 k-contact minimum, terms apply).Claim your offer now at jayschwedelson.com/emma.

Law of Self Defense News/Q&A
VIDEO: Gov't Employee Shoots DoorDasher in Back! Justified?

Law of Self Defense News/Q&A

Play Episode Listen Later May 9, 2025 52:10


In a shocking incident in Chester, NY, Town of Chester Highway Superintendent John Reilly, 48, has been released on bail after allegedly shooting a 24-year-old DoorDash driver in the back. The driver, who suffered life-altering injuries, was struggling to find the correct delivery address when the shooting occurred outside Reilly's home. Home surveillance footage shows the victim seeking help moments before the incident. Reilly, who was off-duty, faces serious charges as the case heads to a grand jury. The victim's family says he's recovering in the hospital. Stay tuned for updates on this developing story.#ChesterNY #DoorDashShooting #News12 #JohnReilly #CrimeNewsGet Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

The Nicole Sandler Show
20250507 (CORRECT AUDIO) Justice Denied Again, Here & in Ukraine - Nicole Sandler Show

The Nicole Sandler Show

Play Episode Listen Later May 9, 2025 59:59


I accidentally loaded the wrong show... this is the correct one. Sorry for the inconvenience!--------------------------------------------------------------Today we get back to the news, issues and concerns about life in our messed-up world. I'm looking forward to talking with Antonia Juhasz again. She's an investigative journalist who covers energy and environmental justice will join us to explain what the “deal” is with Ukraine over their rare earth minerals. We certainly can't forget the oval office ambush of Ukrainian President Zelinsky. Her latest piece on this “deal” for Rolling Stone magazine is “Is Trump's ‘Minerals Deal' a Fossil Fuel Shakedown?”This morning though, justice was again denied in America. A Memphis jury acquitted three former police officers on state charges including second-degree murder in the fatal beating of Tyre Nichols after he ran away from a traffic stop in 2023. It's just too infuriating.

Law of Self Defense News/Q&A
CHRIS SCHURR VERDICT IS IN!

Law of Self Defense News/Q&A

Play Episode Listen Later May 8, 2025 159:18


THE JURY IS DONE! JOIN ME LIVE RIGHT NOW!Hey folks, today we're going to wait until the court announces a verdict has been arrived at in the Chris Schurr murder trial before we go live, then we'll quickly go live for the reading of the verdict. I've arbitrarily scheduled this for 5 PM ET, but we will go live prior to that if a verdict is reached today. HIT THE BUTTON FOR NOTIFICATION! Join me as we await the jury verdict in the murder trial of former police officer Chris Schurr (white) over the shooting death of violently non-compliant traffic stop suspect Patrick Lyoya (black).  While we wait we'll do a thorough break down of some of the key witness testimony, including that of Axon/Taser expert Brian Chiles, state use-of-force/police practices "expert" Seth Stoughton, defense use-of-force/police practices EXPERT Lewis von Kliem, and the defendant himself, Christopher Schurr. #PatrickLyoya #ChristopherSchurrGet Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Law of Self Defense News/Q&A
"Maryland Man" Abandoned, New Pope Chosen, Evil Motorcycles!

Law of Self Defense News/Q&A

Play Episode Listen Later May 8, 2025 69:21


In today's show we cover two breaking news stories--first, the abandonment of poor "Maryland man" Abrego-Garcia by the Progressive woke DEI mainstream media, and the selection of a new Pope by the Catholic Church.I also have a couple of interesting motorcycle wreck videos to share with you, as cautionary tales. Join me for a light-hearted show in which we break all this down!Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Talking Headways: A Streetsblog Podcast
Episode 532: Normal is Not Correct, Someone Died Here

Talking Headways: A Streetsblog Podcast

Play Episode Listen Later May 8, 2025 55:56


This week I'm joined by Kevin Krizek and Tila Duhaime to chat about an idea called Emergency Streets which focuses on the proper response from cities after a fatal crash. We chat about traffic deaths as an epidemic, and how an Emergency Streets protocol could alert people to the traffic deaths happening in their communities. +++ Get the show ad free on Patreon! Follow us on Bluesky, Threads, Instagram, YouTube, Flickr, Substack ... @theoverheadwire Follow us on Mastadon theoverheadwire@sfba.social Support the show on Patreon http://patreon.com/theoverheadwire Buy books on our Bookshop.org Affiliate site!  And get our Cars are Cholesterol shirt at Tee-Public! And everything else at http://theoverheadwire.com

Nosebleed Seats
Fair or Foul: Coming Correct to Someone's DM's

Nosebleed Seats

Play Episode Listen Later May 8, 2025 17:40


Fair or Foul: Coming Correct to Someone's DM's full 1060 Thu, 08 May 2025 05:07:25 +0000 Cxu6LbtM1f96j40X6PS6z6ViJ3y3TODL sports The Fan After Dark sports Fair or Foul: Coming Correct to Someone's DM's The Fan After Dark includes a rotation of hosts offering a truth-telling sports entertainment experience that gets listeners right on the biggest sports topics in and around DFW, across the country, and around the world. Focusing on the Cowboys, Rangers, Mavericks, etc., The Fan After Dark airs M-F from 7-11 PM and is the only live and local sports radio show in the MetroplexCome 'Get Right' with Reg on The Fan, and be prepared for sports talk on a whole new level. You can follow Reg on Twitter @regadetula © 2024 Audacy, Inc. Sports False https://player.amperwavepodcasting.com?feed-li

Correct Opinions with Trey Kennedy
Asia Trip Fails, Milk DISASTER, and $20M Horses!

Correct Opinions with Trey Kennedy

Play Episode Listen Later May 7, 2025 70:13


Jake recounts his adventurous trip across Asia, from nibbling turkey feet in China to navigating Hong Kong's “dumb American” street signs. Trey shares a parenting fail involving heavy whipping cream instead of milk, and the crew dives into a fan story about million-dollar horses and awkward pricing moments.

Correct Opinions with Trey Kennedy
Asia Trip Fails, Milk DISASTER, and $20M Horses!

Correct Opinions with Trey Kennedy

Play Episode Listen Later May 7, 2025 71:43


Jake recounts his adventurous trip across Asia, from nibbling turkey feet in China to navigating Hong Kong's “dumb American” street signs. Trey shares a parenting fail involving heavy whipping cream instead of milk, and the crew dives into a fan story about million-dollar horses and awkward pricing moments.

One Funny Morning...with Dena Blizzard
One Funny Morning 4/22/25- The correct way to say Apricot

One Funny Morning...with Dena Blizzard

Play Episode Listen Later May 7, 2025 63:52


Join me today as we make our Maple Cashew Smoothie, debate the correct way to say "Apricot" in a sexy voice and talk about our favorite popes.

Law of Self Defense News/Q&A
The BIRTHRIGHT CITIZENSHIP LIE Exposed!

Law of Self Defense News/Q&A

Play Episode Listen Later May 5, 2025 81:57


On the day of his inauguration Trump signed an Executive Order titled "Protecting the Meaning and Value of American Citizenship."  This order has been widely reported as "overturning" the "long-standing" doctrine of so-called "birthright citizenship"--the notion that anyone born on American soil is automatically an American citizen as a result. The major foundation for this mistaken claim is the 14th Amendment.In fact, America in general and the 14th Amendment in particular has never recognized or created any such concept of "birthright" citizenship, and Trump's Executive Order merely recognizes that legal and political reality.  Several groups have filed federal lawsuits against Trump's Executive Order on citizenship, and now the matter is before the US Supreme Court. As part of that process, many other interested groups are filing "friend of the court" amicus briefs on one side of the dispute or another.One of those amicus brief just filed in support of the proper understanding of law that so-called "birthright citizenship" is a legal fiction was prepared by the Claremont Institute, a conservative think-tank. Join me LIVE at 11 AM ET as I break down the Claremont brief and expose the lie of birth-right citizenship! Previous shows in which I've covered this issue:"Make America America Again! Birthright Citizenship to SCOTUS!"https://youtube.com/live/xlg7-kBMpm4Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

Law of Self Defense News/Q&A
Chris Schurr Murder Trial: SUMMARY: Day #006

Law of Self Defense News/Q&A

Play Episode Listen Later May 5, 2025 46:47


Join me as I do a quick summary of today's live stream coverage of Day #006 of the Christopher Schurr murder trial in Michigan, over the shooting death of Patrick Lyoya.Get Your FREE Copy of Our Best-Selling Book: "The Law of Self Defense: Principles"Visit Here: https://lawofselfdefense.com/getthebook"You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun"-Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you.➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors➡️ Correct the common myths you may think are true but get people in trouble​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style.​➡️ Many interesting, if sometimes heart-wrenching, true-life examplesGet Your Free Book: https://lawofselfdefense.com/getthebook

All Ears English Podcast
AEE: This Isn't What I Ordered- How to Ask for the Correct Order in English

All Ears English Podcast

Play Episode Listen Later May 3, 2025 21:27


Take our free English-level quiz here to find out what your current English level is.  Do you love All Ears English?  Try our other podcasts here: Business English Podcast: Improve your Business English with 3 episodes per week, featuring Lindsay, Michelle, and Aubrey IELTS Energy Podcast: Learn IELTS from a former Examiner and achieve your Band 7 or higher, featuring Jessica Beck and Aubrey Carter Visit our website here or https://lnk.to/website-sn Send your English question or episode topic idea to support@allearsenglish.com In charge of hiring for your company? Go to Indeed and support our show by saying you heard about Indeed on this podcast. Terms and conditions apply. Hiring? Indeed is all you need. Go to https://www.indeed.com/aee Learn more about your ad choices. Visit podcastchoices.com/adchoices

Revolutionary Left Radio
[BEST OF] On The Correct Handling of Contradictions Among the People

Revolutionary Left Radio

Play Episode Listen Later Apr 30, 2025 118:19


ORIGINALLY RELEASED Apr 26, 2023 In this episode, Matthew Furlong and Breht dive into Mao Zedong's seminal 1957 speech-turned-text "On the Correct Handling of Contradictions Among the People" - a critical text for any revolutionary serious about navigating the complexities of socialist construction. We break down Mao's dialectical method, his distinction between antagonistic and non-antagonistic contradictions, and how this framework helps us understand internal struggle within a revolutionary movement versus conflict with class enemies. From mass line to ideological struggle, from unity-struggle-unity to combating dogmatism and liberalism - we unpack Mao's sharp insights with a focus on applying them to today's political terrain. This is Marxism in motion. Theory as a weapon. Revolution as a science.   Further Resources:   - Mao Zedong - Five Essays on Philosophy (1957)   - Ai Siqi - "Antagonistic and Non-Antagonistic Contradictions" (1957)   - Jones Manoel - "Western Marxism Loves Purity and Martyrdom, But Not Real Revolution" (2020)   - Radhika Desai & Michael Hudson: Geopolitical Economy Hour (2023 -)   - World Association for Political Economy   ----------------------------------------------------------------------------------   Mi'kmaw learning resources: Atlantic First Nations Tech Services - Mi'kmaw Learning The Language of this Land, Mi'kma'ki (2012) ---------------------------------------------------- Support Rev Left and get access to bonus episodes: www.patreon.com/revleftradio Make a one-time donation to Rev Left at BuyMeACoffee.com/revleftradio Follow, Subscribe, & Learn more about Rev Left Radio HERE Outro Beat Prod. by flip da hood