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In this episode, we talk about: a satanic wedding that the parents do not approve of, a Craig's List missed connection by a stalker weirdo, someone who is upset that their friend asked them out, a guy who cried so hard he threw up, a listener running into some issues at an animal shelter, and Google AI summarizes our podcast's CORRECT history. Erika also let's us know about the Taco Bell 50k that will be happening next year in Colorado! This Episode is sponsored by: Chewy! Send your pet's wish to Chewy.com/ChewyClaus and it might become a reality. Plus, your wish means Chewy will donate 5 meals to pets in need! Rocket Money! Go to RocketMoney.com/Judgies to reach your financial goals faster! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Judgies Merch is Available HERE!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Want fun, cool stickers and MORE? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.aurorascreaturecorner.store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Palestine Children's Relief Fund⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Donation Link Edited by: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@currentlyblinking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/currentlyblink⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://tiktok.com/@currently.blinking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Our Patreon is officially open, if you want to see extra content go check it out!  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/JudgiesPod ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Send us mail! (Addressed However You'd Like)  P.O. Box 58 Ottawa, IL 61350  Leave a Review!  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/the-judgies/id1519741238⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Follow us on Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/judgiespod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow us on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/judgiespod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Intro Music by: Iván  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/artist/5gB2VvyqfnOlNv37PHKRNJ?si=f6TIYrLITkG2NZXGLm_Y-Q&dl_branch=1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Time Stamps: 0:00 Intro 5:25 Satanic Wedding 13:12 Craigslist Date 16:47 Poly =/= Available 22:14 Screaming, Crying, Throwing Up 42:17 Break 43:43 CJ: Taco Bell 50k 1:02:04 LS Sound 1:07:131 LS Story 1:17:33 When Did The Judgies Start 1:22:05 Outro Story Links: AITA for having a satanic wedding? Just because I'm poly doesn't mean I'm availableMy (21F) boyfriend (22M) gets so jealous over his brother's (26M) girlfriend (28F) that he cries until he vomits Learn more about your ad choices. Visit megaphone.fm/adchoices

12.15.25 Hour 3 1:00- NFL- Mike Jones, Commanders- Nick Akridge 14:15- Do you believe the Commanders did the right thing shutting down Jayden Daniels?

Do you believe the Commanders did the right thing shutting down Jayden Daniels?

Emily Conley, CEO of Berkeley, CA-based Renasant Bio, on developing small molecule correctors and potentiators for autosomal dominant polycystic kidney disease (ADPKD).

(This is the reposted - CORRECT episode and it's a good'un!) In this episode, Lisa kicks things off by shouting out some of the brilliant listeners who've left reviews recently (thank you!) and responds to two specific requests for an episode on “elevated casual.” Those messages sparked today's chat on how to look pulled‑together over the festive season and when you're WFH – because how you show up at home still affects how you feel and how you work. You'll hear loads of ideas for elevating casual looks, from jeans‑and‑a‑nice‑top (the forever hero outfit formula) to easy ways to smarten your everyday knits, denim and flats so you feel stylish but not “done.” Lisa also talks about what she's actually wearing this Christmas, with party outfit ideas that work whether you're heading to a house party (no heel dents in someone's wooden floors, please), a cosy drinks night or something a bit more glam. Jeans and a nice top still absolutely earns its place, but you'll also hear about the hottest trend for 2025/26: underwear as outerwear – think slip dresses, lingerie‑inspired pieces and “nightie but make it out‑out” styling, for those who dare.​ You can also shop the pod: use the link in the show notes to see Lisa's curated edit and shop her recommendations directly – from elevated casual staples to party‑ready pieces that actually work in real life. Finally, Lisa shares why now is the moment to grab your ticket for the Super Styling Event: The Winning Wardrobe Formula in January. If you've got lots of clothes but never feel like you have outfits, feel a bit lost with your style, or don't know where to shop and what to buy next, this one‑day event is designed to change that. You'll walk away with your 3 style words, a clear way to declutter, practical styling tips and outfit ideas mapped out for your real life – and there are only a few spaces left, making it a brilliant Christmas present to yourself. Links mentioned: Shop the pod: Lisa's elevated casual and party edit​ Super Styling Event: The Winning Wardrobe Formula – January tickets (limited places) Lisa's website: https://www.lisagillbestyle.com/ Lisa on Instagram: https://www.instagram.com/lisegillbestylist/?hl=en   Chapters 00:00 Festive Fashion Introduction 09:04 Elevated Basics for Home and Work 09:32 Party Season Style Tips 19:52 The Importance of Fashion in Personal Identity

WELCOME to Talk 3 of our Feast Talk series MESSY SAINTS. In this series, we talk about the five troubles of the little church in Corinth. So far, we've tackled the first two: In Talk 1, Division, and in Talk 2, Sexual Sin. Talk 3 delves into the third one: Food offered to idols. In Corinth, people worshipped gods. And they would offer animal sacrifices to them regularly. The people were divided on the issue of whether to eat meat sacrificed to idols. The apostle Paul advised that instead of being divided over the issue of who's right, the people should work on how to strengthen their relationships. Talk 3, titled Correct But Still Self-Centered, focuses on the key message, “Others First.”

Episode 268-Tresspassing on Our 2A Rights Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode 268 Transcript SUMMARY KEYWORDS New Jersey gun rights, Assembly 6211, criminal trespass, sensitive places, carry killer bill, Supreme Court, trespass law, private property, research facilities, utility company property, school property, fourth degree crime, defiant trespasser, gun attorney, national reciprocity. SPEAKERS Evan Nappen, Speaker 2, Teddy Nappen Evan Nappen 00:16 I’m Evan Nappen. Teddy Nappen 00:18 And I’m Teddy Nappen. Evan Nappen 00:20 And welcome to Gun Lawyer. So, the New Jersey gun rights oppressors are at it again. They have a bill that is apparently moving forward. It is Assembly No. 6211, and apparently they’re trying to jam it through before the end of the year here. (https://www.njleg.state.nj.us/bill-search/2024/A6211/bill- text?f=A6500&n=6211_I1) You know, it’s on the fast track, apparently. We’ll see. This bill is to make and criminalize the going into a place that you would otherwise be legally allowed to carry, but for giving a, putting up a sign that says “no carry”. Now, the Attorney General, as you may be aware, in New Jersey, is giving away these free signs. You know, prohibiting guns on premises, but the law regarding that falls into trespass. It’s not actually part of New Jersey’s “sensitive places” in the Carry Killer bill. Evan Nappen 01:34 Because in the Carry Killer bill, there was an extreme property ban that basically said about private property, that any private property you had to have a sign that gave you permission to have your gun. In other words, there needed to be a sign out on any private property you were going to go into with your gun. And that would include businesses and anywhere else that said, essentially, hey, we love guns. Bring in your gun, you know, in so many words. Now that was shot down by the court in the federal litigation, you know, which was brought to you by the State Association, the Association of New Jersey Rifle & Pistol Clubs. They challenged it in federal court in front of Judge (Renee Marie) Bump. And what happened was the judge basically ruled, and this is a current law in New Jersey, that when it comes to private property, if it’s open to the public, it’s not a prohibited area. You don’t have to get prior permission if it’s open to the public, unless it’s somehow otherwise a prohibited place. So, you know, if you want to walk into 7-11 with your gun, it’s open to the public, and they don’t need to have a sign that says guns are permitted. You’re good to go. And that’s how it currently is. Page – 1 – of 11 Evan Nappen 03:02 But as you may be aware, Hawaii passed a similar law, and it got upheld there. It didn’t get knocked out the way we did in New Jersey. They said, oh no, you need their prior permission. This law is now upheld there, and the Supreme Court of the United States has taken up that case. So, we’re going to get a SCOTUS ruling on the legality of that type of anti-gun and oppression-type law that they love to pass. We’re going to probably get some great, I’m hopeful, to get some great law out of the Supreme Court that we can use to fight other sensitive places. But what New Jersey is now doing, and this is something they try to do, they’ve done it in other areas, is they try to figure out sneaky end runs. Sneaky ways to oppress our rights. Sneaky ways to get around laws that protect our rights. Evan Nappen 04:11 So, you know, they’ve done it and attempted to do it with PLCAA, Protection of Lawful Commerce in Arms Act, where they’re not, under federal law, dealers and manufacturers and stuff are supposed to be protected. But New Jersey created this whole consumer protection angle that they’re exploiting to try to get around that so they can try to litigate, you know, gun shops and manufacturers out of existence, using and abusing consumer protection laws. Well, now what they’re going to do here with this bill is abuse the trespass laws in such a manner. Because it’s not the classic “sensitive place” that was in Carry Killer bill, but instead, they’re amending the trespass law in New Jersey to pull this off. Evan Nappen 04:59 Here’s what they’re doing. It falls under N.J.S. 2C:18-3, which is New Jersey’s trespass law. And this is to create criminal trespassing while carrying a firearm. You see how they put criminal trespassing while carrying a firearm. But really what it’s doing is criminalizing carrying a firearm into private property that says no guns, which is contrary to essentially the sensitive place victory that we had. It probably is going to be further decimated by the Supreme Court in its discussion, but nonetheless, New Jersey now has the following offense. So, if it passes, and they’re pushing to pass it, a person commits an offense if, knowing that the person is not licensed or privileged to do so, the person enters or surreptitiously remains, so just go with enters. Don’t worry about your staying, you know, secretly there. But enters any research facility, structure, so there’s a comma after research. So, that’s a standard research facility. It’s not just about research facilities, research facility. Evan Nappen 06:24 But they hide this stuff in there so that, you know, it’s way broader than it’s initially appearing. Research facility, structure, or separately secured or occupied portion thereof, or in or upon utility company property, or in the sterile area or operational area of an airport. So, buried in this presentation of saying, oh, we’re protecting research facilities, utility company property and airports, is the very broad structure prohibition, just stand alone structure. It’s not just structures of a research facility or a utility company or an airport. Then it says an offense under this subsection is a crime of the fourth degree. That’s up to a year and a half in State Prison, by the way. If it is committed on a school property, see, school property is part of this. Why? Because that goes to that structure, you see. Oh, well, of course, we want to keep guns out of school. So, that’s okay. That’s where they’re right. This is their whole way of sneakily selling this. Page – 2 – of 11 Evan Nappen 07:37 An offense under this section is a crime of the fourth degree, if it’s committed in a dwelling. So, this makes anybody’s home now part of this. An offense under this section is a crime the fourth degree, if it’s committed at a research facility, a power generation facility, a water treatment facility, public sewage facility, water treatment facility, public water facility, nuclear electric generating plant or any facility that stores, generates or handles any hazardous or chemical compounds. So, again, they add all that in, but don’t lose sight that all structures are still covered, even though they’re doing a laundry list of these other things to conceal what they’re doing. Don’t fall for their trick here. An offense under this subsection is a crime of the fourth degree, if it’s committed upon a utility company, and an fence is a crime of the fourth degree, if it’s committed in a sterile area or operational area of an airport. Otherwise it’s a disorderly person. Evan Nappen 08:35 So, oh, okay. If it’s another structure of some sort, you know, a dwelling, it’s just a DP, right? Wrong. Because here’s what they do. A crime of the fourth degree under this section shall be a crime of the third degree. So, they’re going to bump it up now to five years in State Prison, right? If the person possesses a firearm while committing the offense, regardless whether they have a permit to carry or not. And then get a load of the next line. A disorderly person’s offense under the subsection shall be a crime of the fourth degree if the person possesses a firearm. So, now they’re making it essentially a felony, felony, level, you know, New Jersey fourth degree. A year and a half in State Prison if you trespass in this manner. Evan Nappen 09:24 But wait, they’re not done. Because you may say, well, I would never just go into a place that I wasn’t allowed to go into. But here’s where they add in even more of the fun stuff that they use to oppress our rights. Defiant trespasser is a person that commits a petty disorderly persons offense, if the person possesses a firearm while committing the offense of a disorderly person’s offense, regardless of whether the person is a holder of a permit to carry. It doesn’t matter if the person is not licensed or if you’re knowing you’re not licensed, or enters or remains in the place, okay? And then it says. This can be given by, and here’s the punchline, folks, posting in a manner prescribed by law or reasonably likely to come to the attention of the intruders. That puts into place those free no gun signs, so that businesses and other places can post these signs. Now creating a fourth degree crime for taking your firearm into these places that have the “no gun” posting. Evan Nappen 10:40 Now, it claims that there’s an affirmative defense if the structure was, at the time, open to members of the public. But here’s the catch. The actor complied with all lawful conditions imposed on access or remaining in the structure. Oh, well, one of those conditions is no guns. So, again, they come back and get our gun rights. It makes believe it’s a defense, but it really isn’t, because of the condition that the sign creates. And that puts you back into the felony level gun rights oppression mode. Then it goes in even further to say the conspicuous posting of a sign prohibiting or otherwise indicating that it’s not permissible to carry a firearm in the structure or place shall give rise to an inference that an actor who accesses or remains in that structure or place while carrying a firearm knowingly was not licensed or privileged to enter or remain. It’s virtually like a presumption, but they’re calling it an inference. Page – 3 – of 11 Evan Nappen 11:56 So, right away, if that signs there, you’re going to be subject by that inference to arrest for having your firearm. Did not comply with all lawful conditions imposed on access to or remaining. So, again, there’s a sign, and you didn’t comply. FOURTH DEGREE FELONY for you, and you lose all your gun rights and get thrown in the Gun Owner Gulag while you’re at it. Three, did not reasonably believe that the owner of the structure or place where the other person in power to license access would have licensed them to do it and remain. So, this is their latest move, folks, to criminalize going on to property and pushing their “No Trespassing” angle. Because if the Hawaii case, depending on how it’s decided, invalidates these, in essence, the private property sensitive place prohibition, their new gambit is now doing it by way of the trespass laws. So, the gun rights oppressors are out doing their evil in their oppression of our rights. We need to stop Assembly No. 6211. It is going to be causing a lot of problems if that passes, and if it does, really what we need to do is get a website that shows every business that says “no guns”. And make sure that nobody goes to those businesses. Nobody gives those businesses any money, first of all. Teddy Nappen 13:49 I would, I would actually take it a step further. I want to do a sticker campaign where, if you see that sign, you sticker that puts on it says, rob me. Evan Nappen 13:59 Yeah, right, that’s pretty funny. Teddy Nappen 14:01 Well, I mean. Evan Nappen 14:02 Well, here’s what it is. Teddy Nappen 14:03 Pretty much, there are sending that message. Evan Nappen 14:04 Well, pretty much. They are making it much more dangerous because basically anybody seeing that sign of “no guns” knows that it is their prime target to be robbed, because they don’t believe in guns. They’re just advertising the fact that they’re helpless, defenseless, and it’s really rather stupid. But on the other hand, I’d like to see stickers out there, and there are signs and stickers that I know are available, where guns are welcome. You put the sign that you welcome lawful carriers and that ends up protecting you and others. And on the same website, we should list these places that welcome guns, and those are places that our business needs to go to. We need to use the power of our dollar to make them pay or to benefit those that try to stand up for our rights. So, this is their latest attack. We want to make you aware of it and stay vigilant. If you belong, which hopefully you do, to the Association of New Jersey Rifle & Pistol Clubs, you will probably receive the email alert about this very thing. Also, NRA and others, I’m sure, will be putting it out there, but this is what we’re up against here in New Jersey. Page – 4 – of 11 Evan Nappen 15:33 I have a couple other things to talk about real quick here. I want to mention that Toms River is now the 13th municipality to nullify carry permit fees. So, if you live in Toms River and you apply for a carry, they are going to refund the $150 to you that New Jersey requires that you pay. That’s really great. Congratulations to Toms River for joining the other 12 states, that these states, I mean other towns, not states, sorry, other towns. They are now the 13th town to do it, municipality. The other thing interesting about Toms River is that they have approved over 1600 post-Bruen carry applications. Toms River is apparently the second largest number of approved post-Bruen permits. I’m getting all this from an article from our good friend, John Petrolino, at Bearing Arms. (https://bearingarms.com/john- petrolino/2025/12/11/toms-river-marks-13th-nj-municipality-to-nullify-carry-permit-fees-n1230887) John Petrolino does great research and writing, and he has a particular focus, as well, on New Jersey. This is really interesting stuff, and it’s great to see the municipalities. The other municipalities, by the way, so, the list is Englishtown, Howell, Toms River, Beachwood, Butler, Dumont, Franklin Borough, Hardyston, Hopatcong, Medford Lakes, Vernon, Cresskill, and Redington. Boy, it feels like I’m reading a school closing list almost, doesn’t it? But those are the municipalities that have decided to refund all or part of permit fees. So, good work to those towns and those that helped to get that through. Evan Nappen 17:28 And by the way, I want to mention that John Petrolino has another article in Bearing Arms. He’s very much on top of these issues, and it’s titled, “Are We Closer to Getting a True Accounting of New Jersey Carry Permits?” (https://bearingarms.com/john-petrolino/2025/12/10/are-we-closer-to-getting-a-true- accounting-of-new-jersey-carry-permits-n1230878) And what John has done is filed under essentially the Freedom of Information legislation that New Jersey has, their version of it, which is the Open Public Records Act. And he’s looking to get the number of carry permits determined. And although we have some numbers, the problem is that it lists approved applications, but that’s not necessarily the number of currently valid permits to carry. Additionally, the carry permits do not include retired law enforcement permitting that occurs under 39-6. So, he’s looking to get the numbers of RPOs out there that have carries as well, because they’re still civilians, even though they’re retired police, and those, too, are carry permits. And knowing this information is important, as it shows more and more folks out there exercising their rights and carrying to defend themselves and others. Evan Nappen 18:55 I also want to point out another interesting headline here that I caught. This, too, is from Bearing Arms and is by Cam Edwards. (https://bearingarms.com/camedwards/2025/12/11/north-carolina-womans- lawsuit-gives-scotus-a-chance-to-establish-national-reciprocity-n1230888) I think this is really exciting. You know, we all want to see national reciprocity. And there is a bill pending, you know, HR 38, and we may see some action on it. They’re pushing it in the federal, in the Fed there for Congress to get it passed. But the problem is, of course, the Democrats, who always want to oppress our rights, and it seems that when it gets most likely to the Senate overcoming cloture, the filibuster, the Democrats are going to again kill anything that expands our ability to enjoy our Second Amendment rights. Now, maybe it’ll go through. Maybe some will see the light. There’s always a chance, and it would be great. I’m not getting my hopes up for it to pass until we get the 60 votes of solid Second Amendment Page – 5 – of 11 supporters in the Senate, but it’s good to at least get on record those oppressors of our Second Amendment rights for election time. So, if it doesn’t pass there, that’s still worth the effort. Evan Nappen 20:14 However, what is interesting is we may be able to get national reciprocity from court action, from judiciary, from challenges brought up to the Supreme Court. And this is very interesting. Because the article, “North Carolina Woman’s Lawsuit Gives SCOTUS”, which is, of course, Supreme Court of the United States, “a Chance to Establish National Reciprocity”. So, that’s exciting. What happened was Eva Marie Gardner was driving in Montgomery County, Maryland, and her car was allegedly hit by an assailant, who ran her off the road before exiting his vehicle and rushing towards her. She said she screamed for him to get away, but when he continued advancing, she drew her pistol in self-defense. She never fired a shot. When the police arrived on the scene, they ended up releasing the man who ran her off the road and arrested Gardner for illegal possession of her firearm. She now lives in North Carolina but had a valid concealed carry permit from Virginia. However, Maryland doesn’t recognize carry permits from other states, and she was ultimately convicted despite raising Second Amendment claims. Evan Nappen 21:39 So, she filed on her own after fighting this, after the Maryland Supreme Court denied her case. She took the case to the Supreme Court, filing a cert petition on her own behalf, asking for this consideration. And apparently one of the judges in the Supreme Court took a great interest in it and asked for the State to file response. And because of that, this is exciting, Gardner also filed a full faith and credit argument. You know, that one state needs to recognize another state’s documents, and not only that being a Second Amendment protection. Evan Nappen 22:26 And, you know, ordinarily, a pro se petition has very little chance of the Supreme Court taking it, but because one justice took an interest in it after Maryland waived its right to respond, you now see that some top litigators in the Supreme Court are taking up her case. The Second Amendment Foundation is also filing an amicus, and this is really good stuff. So, there is a chance here, based on this pro se petition from this woman who defended herself and then, of course, became victimized by Maryland’s anti-gun law that doesn’t recognize any other states outside permit. This may be the case, if SCOTUS takes it, that can force national reciprocity by way of our constitutional rights, and that would be fantastic. It will negate the need for Second Amendment legislation to pass, or maybe pave the way for it to pass, who knows? But that is something exciting that we’re going to be keeping an eye on, and we hope to see success. And, man, I will be ecstatic, and I’ll be the first to be telling you if SCOTUS takes a national reciprocity case. Evan Nappen 23:57 Hey, let me tell you about our good friends at WeShoot. Teddy and I just re-qualified down at WeShoot for our New Jersey carries. We did our CCARE. It was great. We love WeShoot. It’s a great place to shoot with great training. And they are running some awesome specials. They, of course, have the BUL Armory UR, which is a double-stack race gun. And they have the Springfield Saint Victor V2, which is really cool gun. It has next-gen ergonomics, flat-faced trigger, and top-tier reliability for defense or Page – 6 – of 11 range work. And they have a Ruger LC Carbine. And they’re running some super sales. It’s their last sale of 2025, and you should check out these sales that are going to go from now until the 24th. They’re offering a two-hour private lesson with 20% off. They have 1,000 rounds of nine millimeter for only 245 bucks. That’s a great deal. They have carry classes at 10% off. They have 200 rounds of .223 for $119.99. They’re offering 5% off gift cards at $100 or more. They’re offering 500 rounds of .380, for 149.99. They have Radical Firearms FR15 for only 499.99. They’re offering $300 off double action defense pistols. They have the ATI AR-15 for 399.99, and they’re offering $500 off Phoenix Trinity Firearms. So they are running some great sales. Evan Nappen 25:53 And guess what? It doesn’t end there. They’re doing 10% off all Glock pistols they have. WeShoot pistol bags for 9.99. Smith & Wesson Bodyguard 2.0 for 385. And 10% off Vaulttek Safes and accessories. They have 15% off Stopbox Safes. 25% off all used guns. 25% of all used guns. 15% off Byrnas. 10% off Savior Gun Bags, etc. They are running just tremendous sales. And that’s not all of them even. So, listen, get down to WeShoot, and check out these great sales. They’re running great prices. The sales extended. They’re offering even super deal on individual membership and upgrades. Go to weshootusa.com. They’re right there in Lakewood, easily accessible off the Parkway. It’s where Teddy and I shoot, and you’ll love to shoot there, too. Check out WeShoot. Evan Nappen 27:02 Also, let me mention again, the Association of New Jersey Rifle & Pistol Clubs. They’re there fighting the fight for us. Man, they’re in the trenches, battling it out in federal court. We should have some exciting developments. Probably next show I’ll be telling you about something very exciting happening in federal court with the state Association. It’s really great stuff. We’ll be very excited about it. I have to just make it as a teaser for now, though. And they’re challenging the magazine ban and the assault firearm ban. They have a full time lobbyist. I mean, this is our group so we can fight the gun rights oppressors. You need to be a part of our state association. Go to anjrpc.org, anjrpc.org, and make sure you join. Evan Nappen 27:59 Also, make sure you get a copy of my book, New Jersey Gun Law. It’s the Bible of New Jersey gun law. You can go right to EvanNappen.com and order your copy. It’s over 500 pages, over 120 topics, all question and answer. It is a book relied upon by thousands upon thousands of New Jersey gun owners. It’s a book used by the State Police Firearms Division, lawyers, judges, and most importantly, so many great shooters and listeners to the show. And I know how much you love it. It’s a labor of love for me to write it. When you get the book, scan the front QR code, and join my private database of subscribers that get the updates. You can immediately access the archives and get the updates. Go to EvanNappen.com and get your copy today. Hey, Teddy, what do you have for us today in Press Checks? Teddy Nappen 28:52 Well, as you know, Press Checks are always free, and honestly, this was born out of a meme. Where, you know, you’re scrolling through, you’re trying to find, and I saw this one little post. It said, the UK, 30 years ago, disarmed themselves, and now they’re arresting you for Facebook posts. Let that sink in. Page – 7 – of 11 Now, I knew the UK disarmed themselves, but I had no idea what he was referencing. And as someone who likes to understand history, I found that it was referencing the Firearms Amendment Act of 1997. (https://www.legislation.gov.uk/ukpga/1997/5/contents) Teddy Nappen 29:35 So, just pause for a moment. You have James Carville, who’s making the argument that if the Dems ever take back power, they’re going to make Puerto Rico a state. They’re going to make D.C. a state. And they’re going to pack the court. So, with that in mind, in their goal to “save democracy”, I think to myself. If the Left had unfettered power, no roadblocks, what would they do to destroy our rights? And after reading this bill, here it is. Looking at the UK, it is the future, if they ever take back power, and what they will do to destroy our rights. So, I pulled it up right off of the UK Government website. They’re bragging about it for anyone to, you know, if anyone wants any new ideas. Here’s, here’s, what they can look at. So, the subsection describes weapons that are prohibited, and there shall be inserted the following. Any firearm which either has a barrel less than 30 centimeters in length, or less than 60 centimeters in length overall, other than air weapons, small caliber pistol, muzzle loading gun, or firearm designed with signaling apparatus. Then it goes into its laundry list of except for slaughtering instruments, firearms used for humane killing, not human killing, humane killing of animals, and shot pistols for shooting vermin. By the way, all these require a firearm certificate. Evan Nappen 31:14 Wait a minute. They didn’t see No Country for Old Men, I guess, because they still. Teddy Nappen 31:17 No, I guess not. Evan Nappen 31:18 Yeah, right, huh, yeah. Teddy Nappen 31:20 Call it like, yeah. Evan Nappen 31:24 Call it. Teddy Nappen 31:26 And they go, and, by the way, each of these has to earn, you have to qualify for a firearm certificate, because they will just say the after the constabulary has to say, well, sorry, we don’t think you this is gonna go for that. And also, they have races at athletic meetings. Oh, I love this one, trophies of war stuff obtained in 1946 as a trophy of war so, you can keep it. Still off. Evan Nappen 32:00 Can you keep it? Or do you have to turn it in? Or do you have to d-wat it? Page – 8 – of 11 Teddy Nappen 32:03 Well, here’s the crux of it. It has to be used for exhibit or display, which goes into for that, or any firearm prior to 1919. And again, it has to be earned by certificate. Evan Nappen 32:17 So, they’ve created these incredibly onerous, it sounds like they basically banned all handguns there, and just continue to be the formerly Great Britain. And since the banning of all these guns, and the turn in of all these guns, and not only guns, but they also do it to knives, too. Teddy Nappen 32:43 Correct. Evan Nappen 32:43 Now they’re going, now they’ve focused on speech because they’ve got nothing to worry about. They disarmed the citizenship. Teddy Nappen 32:52 Yeah, and also, if you were to violate said prohibition, it’s five years states prison. So, you know, might as well keep to like, Jersey standard. You know, five years. Evan Nappen 33:04 Yeah. I mean, it’s pretty weird that Great Britain can actually make New Jersey at times look pro-gun. Teddy Nappen 33:12 Yeah. Evan Nappen 33:12 I mean, that’s pretty sad. Yeah. Teddy Nappen 33:15 This is the worst offense, and this is the part that’s disgusting. It just shows you the abuse of rights. The power of the search warrant. If a justice of the peace, or in Scotland, Sheriff, is satisfied by information on a reasonable grounds that a suspect offense is about to or is committed, or the connection to a firearm ammunition, that there is a danger to public safety or peace. What does that mean if you have a connection to a firearm? Let’s say, I don’t know, making a Facebook post about you shooting in Texas and then coming back to the UK. They can get a search warrant to search your premises and arrest you promptly for any connection to a firearm. Evan Nappen 34:01 Well, the only difference there, Teddy, is New Jersey already has that. It’s just that you’re not arrested. That’s a TERPO (Temporary Extreme Risk Protection Order) right there. That is New Jersey’s TERPO. Now you just get your guns seized and your house searched and your gun rights taken. The UK is going to arrest you and criminally charge you. But New Jersey doesn’t have any due process up front on the Temporary Extreme Risk Protection Order, basically what’s called Red Flag. And that standard Page – 9 – of 11 is very similar to what you just said in the UK. So, we’re not, we’re really not that far behind in New Jersey from totalitarianism, oppression of our Second Amendment rights. And it’s just disgusting. We’re following this same model in the former, that the formerly Great Britain is doing. Teddy Nappen 34:54 Yeah, and to be, to set the tone. And this is something for the UK to think about. You guys do realize that you’re, that the whole point of the Second Amendment is to defend yourself. And case in point, as they always like to say, well, we don’t have very much gun crime. However, your rapes ticked up about, oh, I don’t know, 15 times from the early 2000s to 2024. Now it’s up to 71,000 rapes a year, which, you know, if you’re letting in massive amounts of Afghans who commit rape up to 17 times more than a native born. Yeah. Evan Nappen 35:40 Well, you know, now you’re touching on that whole other wokey, crazy issue where they’re not getting the assimilation. Not getting assimilation to whatever their culture formally was. I mean, they don’t seem to care, though, you know. I guess they’re, they’re motivated in taking away rights of their citizens, and yet the crime wave that they’re experiencing is disgusting. They get denied their rights to defend themselves, and for that matter, they have the most effective means to defend themselves. Even though the statistics show pretty clearly what the problem is. And yet they’ll try to blame everything else but what factually stares them in the face. So, it’s a shame, but we’ve got to take warning and heed in New Jersey. Because we’re heading down that path, and it’s getting worse and worse. The only thing on the good news is with Supreme Court taking two gun cases, hopefully taking more, with federal law changing, with the Justice Department looking at civil rights violations as through Second Amendment laws that oppress, and that they will be going after these states and other localities. There’s a lot that we can at least be hopeful about here, because as we stay vigilant, it is not all doom and gloom, though. There are things that we should be positive about, and we just have to keep on fighting, and that’s what we’re going to do. Evan Nappen 37:36 Now, let me tell you about this week’s GOFU, folks. This GOFU, as you know, is the Gun Owner Fuck Up. These are expensive lessons that clients have learned that you get to learn for free and not repeat them. And this week’s GOFU is about stolen guns. If you have a gun that you think is lost or stolen, I want to remind you that New Jersey requires you to report it within 36 hours. If it’s lost or stolen, the law states that you have 36 hours to report it, and if you don’t report it, then you can face serious problems. Including the use of your failure to report, and we’ve seen this, to take away your gun rights, to move to revoke your gun licenses, permits, and this is how they will use it. Even though you’re a victim of theft, they will still try to use that against you. Evan Nappen 38:44 And keep in mind, you have an obligation to report it, but keep in mind that after you report it, there is a decent chance, we’ve seen it, that they will then use the fact that you reported a gun stolen or lost to still try to take away your rights. But at least you were conforming with the law when we have that fight. This is the game that’s out there, and it’s really a problem. Because they want guns reported stolen and you do need to report them stolen, you’re failure to do so can have bad ramifications. But even when Page – 10 – of 11 you do report it stolen, prepare yourself that you may be facing licensing actions over that. If you end up where you have a gun that you think is missing or stolen and you want to know what you need to do, you need to call a gun attorney right away and discuss your specific fact circumstance so that it can be properly dealt with and you can prepare for any potential ramifications. Evan Nappen 39:48 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 39:58 Gun Lawyer is a CounterThink Media Production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Page – 11 – of 11 Downloadable PDF TranscriptGun Lawyer S3 E268_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

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Today, we say hello to my friend Genci, pastor of Eagles Church in Tirana, Albania, along with all our brothers and sisters who live in Albania. Genci is a man of character who loves his flock and has a beautiful family. The point of mentioning we are sinners, bigger on the inside and lonely, is to demonstrate our great need not only for salvation but to know and be known by others, most critically, God. In the lives of Jeremiah and Job, we see lives that are fully satisfied and trusting in the deepest of sorrows. But how did they get there?By consistent communion, conversation (prayer) with our Creator, Savior, and Sustainer.In a challenging, nearly 50-year ministry with Almighty God, Jeremiah learned through every circumstance:"There is none like Thee, O LORD; Thou art great, and great is Thy name in might.” Jeremiah 10:6"I know, O LORD, that a man's way is not in himself; Nor is it in a man who walks to direct his steps.” Jeremiah 10:23"Are there any among the idols of the nations who give rain? Or can the heavens grant showers? Is it not Thou, O LORD our God? Therefore we hope in Thee, For Thou art the one who hast done all these things.” Jeremiah 14:22"Behold, I am the LORD, the God of all flesh; is anything too difficult for Me?” Jeremiah 32:27"Correct me, O LORD, but with justice; Not with Thine anger, lest Thou bring me to nothing.” Jeremiah 6:24And above all,"Thus says the LORD, "Let not a wise man boast of his wisdom, and let not the mighty man boast of his might, let not a rich man boast of his riches; 24 but let him who boasts boast of this, that he understands and knows Me, that I am the LORD who exercises lovingkindness, justice, and righteousness on earth; for I delight in these things," declares the LORD.” Jeremiah 9:23-24Brethren, let's pray for one another."What a man is on his knees before God, that he is and nothing more." Robert Murray M'Cheynee Donation link:https://www.paypal.com/donate/?hosted_button_id=G9JGGR5W97D64Or go to www.freerangepreacheronprayer.com and use the Donations tab.Assistant Editor: Seven Jefferson Gossard.www.freerangepreacheronprayer.comfreerangeprayer@gmail.comFacebook - Free Range Preacher MinistriesInstagram: freerangeministriesAll our Scripture quotes are drawn from the NASB 1977 edition.For access to the voice-over services of Richard Durrington, please visit RichardDurrington.com or email him at Durringtonr@gmail.comOur podcast art was designed by @sammmmmmmmm23 on InstagramSeason 008Episode006

Five strategies to deal with doubt: It's ok. Wrestle with the doubt. Correct your expectations of the Messiah. Cultivate friendships with wise and spiritual people. Study the faith. Remember what God has done for you.

Text and Be HeardWhat if your recovery accelerated the moment you opened your calendar? We explore Step 10 through a fresh lens: not a nightly tally of mistakes, but a living practice of scheduling the next 24 hours with intention, gratitude, and service. That simple shift changes the chemistry of your day—less rumination, more natural dopamine, serotonin, endorphins, oxytocin and focus—so you can move your life forward with clarity.  Being Present.We share how to design a plan that includes your personal goals and the goals of your spouse or partner, so your schedule reflects the life you're building together. You'll hear practical strategies for blocking time for work, study, and business tasks while protecting mental, physical, spiritual, and financial health. We dig into the hidden cost of unplanned minutes—workouts that double in length, “quick” scrolls that eat an afternoon, one show turning into three—and show how a detailed plan exposes and closes those leaks without adding burnout.How can you bring Harmony to your World, Today?The conversation pivots from “present examination” to “present opportunity”: which actions can you take now to build momentum, whom can you uplift today, and which triggers—notes, quotes, music—prime your best effort? With the free recovery growth scorecard, you'll get a simple tool to map actions, build neuroplasticity, and make progress measurable. Correct mistakes in real time, keep your plan visible, and include acts of service that create harmony for you and the people around you. Subscribe, share this with someone who's ready to reclaim their time, and leave a review telling us the one action you're scheduling today.Support the showRecovery is Beautiful. Go Live Your Best Life!!Facebook Group - Recovery Freedom Circle | FacebookYour EQ is Your IQYouTube - Life Is Wonderful Hugo VRecovery Freedom CircleThe System That Understands Recovery, Builds Character and Helps People Have Better Relationships.A Life Changing Solution, Saves You Time, 18 weekswww.lifeiswonderful.love Instagram - Lifeiswonderful.LoveTikTok - Lifeiswonderful.LovePinterest - Lifeiswonderful.LoveTwitter - LifeWonderLoveLinkedIn - Hugo Vrsalovic Life Is Wonderful.Love

Avoiding simple mistakes with the IC-DISC can mean the difference between maximizing tax benefits and leaving money on the table. In this episode of The IC-DISC Show, I sit down with Brian Schwam, National Managing Director of International Tax Services at WTP Advisors, to talk about the most common IC-DISC misconceptions that trip up practitioners and the underutilized opportunities many businesses are missing. Brian walks through the critical timing rules that confuse even experienced CPAs, including the 60-day and 90-day payment requirements that many practitioners misapply. He explains how the reasonable estimate safe harbor actually works and why paying the minimum amount can accidentally cap your commission at twice that figure. We cover the ordering rules for distributions, the often-misunderstood $10 million threshold, and why the transactional calculation method isn't nearly as impossible as people think. Brian also clarifies that IC-DISC dividends are subject to the net investment income tax, despite what some practitioners might believe. The conversation shifts to creative structures most companies never consider. Brian explains how multiple DISCs can fund executive bonuses at qualified dividend rates instead of ordinary income rates, saving both employment taxes and up to 17% in federal tax for recipients. He describes evergreen dividend resolutions that eliminate the stress of year-end cash movements and shared-DISC structures that make the strategy economical for smaller exporters with under $3 million in sales. These approaches work for both flow-through entities and C corporations looking to avoid double taxation. After more than three decades in international tax, Brian brings clarity to a strategy that looks deceptively simple on paper but contains hidden complexity at every turn. This episode delivers practical guidance you can use immediately, whether you're a practitioner helping clients or a business owner evaluating your own structure.   SHOW HIGHLIGHTS Paying the minimum 50% under the 60-day rule accidentally caps your total IC-DISC commission at twice that amount, limiting flexibility. Companies with export sales over $10 million can still use an IC-DISC—the cap only limits income deferral, not eligibility. Multiple DISCs can fund executive bonuses at qualified dividend rates, saving up to 17% in federal tax versus ordinary income. The transactional calculation method isn't impossible—most companies in 2025 can pull the data needed to maximize their IC-DISC benefit. Evergreen dividend resolutions eliminate 60-day and 90-day payment stress by automatically distributing commission rights on December 31st each year. Shared DISC structures let exporters with under $3 million in sales split compliance costs while each partner keeps their full tax benefit.   Contact Details LinkedIn - Brian Schwam (https://www.linkedin.com/in/brian-schwam-b6026a3/) LINKSShow Notes Be a Guest About IC-DISC Alliance Brian SchwamAbout Brian TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Hi Brian Welcome to the podcast. Brian: Hi Dave. Thanks for having me. Excited to be here. Dave: Yeah, my pleasure. So quick intro, Brian is, what's your title with WTP? Brian: National Director of National Managing Director of International Tax Services, which encompasses export incentives as well as more general international tax consulting. Okay, Dave: And that's at WTP advisors? Brian: Correct. Dave: And you and WTP advisors are founding members of the IC-DISC Alliance along with my firm and myself. Brian: That is correct. Dave: And so are you brand new to this international tax business? Did you pick it up last year or something? Brian: That's funny. I don't think I look like I picked it up last year. I've been been full-time international tax since 1992IC, and prior to that I spent a few years as a generalist, which I think makes me a better international tax person, but it's been a few years, been around the block a few times. Dave: Well, I think it makes you better. I always introduce you as the IC-DISC guru. Now that Neil Block has retired, I think you can now take over the mantle of godfather of the IC-DISC, Brian: Right? Or the step godfather. I don't know if anyone can ever replace Neil. He had a lot of knowledge, has a lot of knowledge in this area and a lot of experience, and I'm just kind of flattered to be compared to him. Dave: Well, Neil was, I think my inaugural or second guest, and I think he's only been on the podcast once. So I think you're trumping Neil with this either your second or third visit. Brian: I think it's the third visit. And Neil's retired and joined the Good Life and I'm not, so that's probably why I've beaten them as far as number of appearances. Dave: There you go. Well, today I want to talk about IC-DISC. I want to talk about misconceptions and maybe underutilized opportunities. So the IC-DISC is straightforward as can be cut and dried. Anybody can prepare the return, anybody can do the calculation. Easy peasy. There's nothing to your toe on. Is that accurate? Brian: That's far from accurate. Okay. Strength. Yeah. A lot of practitioners think that is the case, but I've seen more than a handful of IC-DISC returns and IC-DISC calculations done by generalists that definitely have a flare for not knowing what they're doing or not understanding the rules. And for a six page tax return that looks very straightforward. You'd be surprised how many of them are completely incorrect. Dave: Yeah, it's kind of deceiving, right? Because even the instructions for the return are only a handful of pages, right? Like six or eight pages. Brian: And then there's a couple of lists of codes and things that make 'em a little longer. But yeah, there's not much to it. But I mean, initially there are some statutory and regulatory things that have to be done, have to be done the correct way, and the rules are very draconian. If you don't do it the correct way, there's really no way to remedy the fact that you set up, you just deal with the consequences of having a disqualified IC-DISC, which means you've lost your IC-DISC benefits prospectively and you set up a new one or you forego the benefits No in between, really? Dave: Yeah. Brian: So some of these misconceptions that I've run into could lead to a IC-DISC being disqualified. Dave: So what's the first one that comes to mind? Brian: The first one that comes to mind really for me in practice is how does the 60 day rule and the 90 day rule work, this has to do with when do I have to move money to the IC-DISC? And some people don't understand it and they do things that make it not a problem. Other people do things, they don't understand it and it becomes a problem. So the 60 day rule basically says you must fund a reasonable estimate of the IC-DISC commission to the IC-DISC within 60 days after the end of the IC-DISCs year. It sounds very straightforward, but some people ignore that rule and some think they have to pay it all before the end of the year, but they don't have a 60 day window after the end of the year to accrue that IC-DISC commission and pay a portion of it. The other thing I see people do with the 60 day rules, they don't have all the information. They estimate a number. They say, oh, let's say the commission's going to be a thousand dollars and they pay $500 to the IC-DISC by the end of the 60th day. Well, what have they just done? Well, the 60 day rule says, yeah, you have to pay a reasonable estimate in the regulation. There's a safe harbor that says a reasonable estimate is at least 50% of the final IC-DISC commission. So by moving the least amount of money possible, they then limit their potential IC-DISC commission to two times that number. So rather than saying, oh, I think my IC-DISC commission's going to be a thousand and I'll pay 800 so that I have flexibility to go up to 1,600, they pay 500 and it can never be more than a thousand because there's a lot of information that's going to come out after the end of the year that's going to affect taxable income. And they generally don't know those things within the first 60 days after year. Dave: And what about for, I think this is for accrual basis taxpayers or accrual basis related suppliers. What about if it's a cash basis related supplier? Brian: Well, if it's a cash basis related supplier, now we're outside the DIS rules, but we're in the tax accounting. And in order to get a deduction, the payment does need to be made before the end of the year. If the payment is made after the end of the year, within that 60 day window, you've now pushed the deduction to the subsequent year, which really most people wouldn't be happy with. They want the production in the year that the exports arise, not in the subsequent year. So the other rule having to do with the moving of the cash is the 90 day rule, which says that you have to pay the IC-DISC any remaining commission within 90 days after the commission has been finalized. Well, finalized really means when did I file my IC-DISC return? And so it's an original return. It can be filed as late as eight and a half months after the end of the year. So you really have 11 and a half months from the end of the year to pay the remaining amount. So if we assume calendar year, that's a September 15th filing and a December 15th funding deadline for the remaining commission. I see a lot of practitioners out there that think the 90 days ends on the filing of the IC-DISC return, not starts on the filing of the IC-DISC return. So then they rush to pay that money and then they think they have a problem if they haven't paid it by the time they file. So I mean, there's no harm in paying it early, but that's not how the rule works. And then if someone's determining and amending a IC-DISC return and they owe more funds to the IC-DISC, they have 90 days. So when they file that IC-DISC return, amended IC-DISC return to make that extra payment to the, now, the other misconception is, well, what happens if my 60 day payment was greater than the final commission? I overestimated. So then the 90 day rule says if the IC-DISC received too much under the 60 day rule, it has 90 days that same 90 day window to pay back the overage back to the related supporter. So most people don't understand those rules and they do things that either potentially cause a problem or they create a lot of self-induced anxiety. They think they have to do something sooner than they have to do it. Dave: And speaking of the due date, if somebody wants to file their IC-DISC return in September, do they have to file an extension like to do their corporate return by March 15th? Brian: Nope. That is no, eight and a half months is the due date. There's no extension for a IC-DISC return. That is just the due date. Dave: And then what about if somebody wants to electronically file the IC-DISC return? How does that work? It doesn't. Okay. Brian: And why is that? Dave: Can't you electronically file Brian: Everything? Unfortunately not the IC-DISC, the 1120 IC IC-DISC is still a return that requires a paper filing. And sometimes clients don't realize that and they forget to file. And the good news is there's only a hundred dollars penalty for a late filing. But the bad news is if you keep continually don't file the IRS could. They could terminate your IC-DISC election. But yeah, there's no electronic filing. And then there's, there's another form. You also can't electronically file that relates to the IC-DISC, that it's the form 84 0 4, which relates to an interest charge that a taxpayer who owns a IC-DISC may have to pay if income is deferred to the IC-DISC and not distributed out as a qualified dividend to that shareholder. There's a lot of misconception around that form. And the first misconception is sometimes they think the IC-DISC needs to file that form and pay the interest. That is not true. That is not true. And so many times I'm asked to file that and I'm like, I can't file it. I can't prepare it. I don't know the information that goes on. And it's based on the shareholder or the disk. And if the shareholder is S corporation or a partnership, it's not based on that entity, it's based on its shareholders or partners. And there could be multiple 84 oh fours filed. And then oftentimes there's a surprise like, oh, I have to pay interest. I didn't know I had to pay interest. Well, it is called an IC IC-DISC, and the IC stands for interest charge. So that should not come as a surprise, but it often does. Dave: Okay. Wow, Brian: Go ahead. Yeah, so we're still on moving cash around. So there's also timing of when the shareholder of a picks up dividend income. So a lot of people think that if they pay the IC-DISC within that 60 day window after the end of the year and pay the dividend in the same 60 day window, somehow the dividend is recorded as though it happened on December 31st, and there's no deferral of the income in the IC-DISC. That's just flat out wrong. A dividend is taxable when it's declared, and most likely it's not going to be declared as of the end of the year. Dave: So that's like a miss application of the age old matching principle in accounting? Brian: Yes. Yes, definitely. Or a misapplication of someone thinking they have a evergreen dividend resolution, which I won't get into at the moment, but it's something that is used to accelerate dividends so that they do match the deduction of a IC-DISC. And you can't just match it because you have to match it because there's some reason to match it or there's action that's taken that would cause it to be matched. Dave: And I've heard some professionals maintain that because they're basically accelerating the dividend income to the current year, thereby bypassing the inherent deferral. That's okay, because why did the IRS care if they got paid a year early? Do you think that's, what's your opinion of that? Brian: I think that's a nice practical approach to that issue. I use it myself. I don't think that the IRS would audit a taxpayer and say, oh, by the way, you picked up that dividend too early. I'm going to write you a refund check. Dave: Yeah. Brian: Plus interest, I don't think, Dave: Now what if there was an audit though, and you had an issue where the audit period it covered had a mismatch so that if there was a year that you say it was the 2022 tax year and the dividend income should have been recognized in 2023, but they recognized it in 2022, and then let's just say they did an audit from of 2023 in isolation, and then let's say in 2023, the client didn't use the IC-DISC or had a much smaller commission amount, could the IRS potentially say, we don't care about 2022. In 2023, you should have recognized the dividend income. Brian: They they certainly could. And then they'd say, well, 2022 is closed. We can't adjust that. So it's always better to not fall into that fact pattern, but it happens. Definitely happens. Dave: So it Brian: Sounds like the good news is there's not a lot of IC-DISC audits that go, Dave: Yeah. So you're saying it sounds like when in doubt, just follow the rules, it sounds like. Brian: Yeah. Dave: When Brian: In doubt follow the rules, don't make up your own rules, for Dave: Sure. Yeah. Well, and I think part of the problem is people may not be aware of the rules. Brian: They're not, and then they just fill in the blank. Their brain fills in the blank with what they think makes sense. Dave: Yeah, because a lot of be a lot of differences between the IC-DISC and say an S corp, right? Like the election to be treated as an S corp does not have the same deadline urgency as the election be treated as a IC-DISC. Is that correct? Brian: I'm not a hundred percent sure, but there might, yeah, I am a hundred percent sure. Because if you miss the deadline for the S selection, there's automatic relief available for the S selection to be made late. There is no automatic relief available for a IC-DISC election. Either you've met the requirement to file it within the first 60 days of the corporation its existence, or you haven't. Now, there are exceptions, and we have written some private letter ruling requests in the past to get be granted relief for missing that 90 day window, but that's an extensive Dave: Miss. Yeah, understood. And then some other, Brian: And you may not know for two years whether you're going to get the relief or Dave: Yeah, I know I've had CPAs tell me that they frequently will just include the form 25 53 S corp election with the filing of the initial S corp return. Brian: That's allowed. And that's allowed, Dave: Yeah. Obviously you can't do that with the IC-DISC return. Brian: No, no. So then on the topic dividends, there's also some misunderstanding or misconception of whether a dividend from a IC-DISC is subject to the net investment income tax, the 3.8%. Dave: Oh, yes. I've heard people take that position that it's not subject to. What are your thoughts? Brian: Well, my thoughts are that many years ago, like 11 years ago, the IRS came out and said, it's definitely subject to the commission IC-DISC paying a dividend. That dividend is definitely subject to the net investment income tax. So I personally don't get involved in individual returns, so I don't know what people are doing, but if I'm ever asked, that's what I'll tell somebody. And I say, you can take whatever position you're comfortable taking, but this is the position I know the IRS would take. Dave: Okay, that makes sense. What other pitfalls do you see or misconceptions Brian: People have? So when I see IC-DISC, there's a $10 million, let's call the $10 million deferral cap with regard to a IC-DISC. And what that means is any IC-DISC commission related to export sales made by the related supplier, which are greater than 10 million above that $10 million threshold, create what's called a deemed dividend. You're not allowed to defer any of that income in the IC-DISC. Well, in practice or in the real world, people think, oh, I can't have more than 10 million of export sales. If I go over 10 million, I can't use the disk. That's clearly not true. I have clients that have seen clients that have billions of dollars of export sales. They just have a very large deep dividend that goes along with the IC IC-DISC commission. There is no limitation on the amount of export sales, the limitations on how much of the income you can defer the IC-DISC if you have more than 10 million of export suit. Dave: Okay. Brian: I've also seen related to that issues where someone's exporting military property. So military property, half of the income is a deemed dividend automatic under the rules. And then I've seen where they then add, and let's say the sales were over 10 million, they've added, they made an additive, they took half of the commission on the military property, and they said, oh, my sales are more than 10 million. I have additional deemed dividend as well. That's not how it works. The way it works is you compute your deemed dividend on the sales in excess of 10 million, and then from that you subtract the deemed dividend related to the military property. And so the most your deemed dividend can be is related to that $10 million cap. Dave: Okay. Yeah, I was less familiar with the military aspect of it. I don't think any of my clients are exporting military property. Brian: That's just an example. I mean, there's other things that give rise to deemed dividends as well. For example, one way you can defer income in a IC-DISC is to loan the money back to the related supplier. Under a producer loan arrangement, there's very specific facts that support the ability to use a producer loan. But then each year, the interest that's earned on that producer loan is a deemed dividend. Dave: Oh, sure. Brian: Whether it's paid or not. So whether the interest is paid, and then when the dividend is actually paid, it's not taxable because we've got a lot of ordering rules in the IC-DISC about when things get paid out and how they get paid out, and I don't have all day, but that's another area where I think there's a lot of misunderstanding. Dave: Okay. Brian: Oh, well, so I can focus on one small part of that is the IC-DISC in year one has the income of a hundred. In first quarter of year two, they pay out the 100 to the IC-DISC and the DIS pays the dividend. And in year two, it earns $300, and that gets paid in year three. Well, I hear all the time, well, I don't have any income deferred to the DIS because I earned the a hundred dollars in year one, I paid it in year two, and I paid the dividend in year two, and then I had income for year two of $300 that I paid in year three. Well, it doesn't work that way. In the DIS world or in the tax world in general, current earnings are always considered to be distributed first. So that a hundred dollars that gets paid out in year two is really coming from the year two earnings. And the year one earnings are still sitting in the deferred, thus giving rise to the interest charge that someone thinks they're avoiding. Dave: Okay. Brian: So there's some misconception about how that works. Dave: So I have one I just thought of, and I've heard this is the one, the misconception I've probably heard the most. Under no circumstances can the IC-DISC commission create a loss at the related supplier level? No matter how you do the calculation, it's Brian: Impossible. That's a big misconception. Dave: Yeah, Brian: There's no rule. There is no rule like that. Okay. So the rule is actually applied at the level in which you're computing the IC-DISC commission. So if you have exports with a profit, but overall your company has a loss, you can still compute a IC-DISC commission on those export sales because they have profit. Now, you can't cause the profit on the export sales themselves to become a loss. So let's say your export sales are making 2% bottom line, but overall, your company loses 3% bottom line. Some people will think, I can't get a IC-DISC commission. I have a loss. That's not true. You can claim a IC-DISC commission, but it cannot be more than 2% of the export profit because then makes the profit on the export zero, but it can't go below zero. Dave: And that's if you're using what we would call the standard or simple calculation. Brian: That's the simple calculation. Now, if you're doing something more detailed and you're calculating a IC-DISC commission on a product or product line or a transaction, you apply that no loss rule at that level. So you can have a number of transactions that are profitable, you can have a number of transactions that are not profitable, and then different rules apply. There's really people think, oh, there's two methods to compute a IC-DISC commission. That's probably another big misconception. There's really 18 methods to compute a IC-DISC commission, and you can choose one that allows you to get a commission but doesn't create a loss, and in some cases does actually allow you to create a loss. Dave: And is that methodology difference? I can't think of the technical accounting term, like where if you change your inventory method, you have to notify the IRS or you make an accounting change. This isn't like that, right? You don't have to each year notify the IRS. We used the 4% method last year, we're using the 50% this year, or we're doing other methodology. Correct. Brian: So you technically notify them by checking various boxes on the IC-DISC return, but it's not like a change in the accounting method where you have to apply for a change and have it approved or have an automatic change. This is considered a change in facts. And however your facts bear out, you can claim whatever commission you're allowed to claim. Dave: Now, when you do that transactional calculation, another misconception I hear is that it's just impossible because there's all this data that the company doesn't have, and it's so complicated to do it that just nobody has the ability to do it. Nobody can do it. Nobody wants to do it. Talk to me about that. Is the data really impossible to get from the clients? There no client that can provide any data that can be used. Brian: There may be handful that can't, but by and large, most companies have the ability in 2025 to obtain that data. When the rules were written in 1972, I'd say it was probably flipped where only a handful could probably get that information. And the vast majority of companies would never be able to get that information. But somebody wrote the regs that way back in the early seventies, and with the idea that you could get transactional information and compute the dis commission transactionally as opposed to at a higher level where everything's grouped together or a simple calculation. But in 2025, it's very, I have a hard time determining conceiving of a company that can't get some information pulled together. And that's the other, there's a related misconception. Oh, I have to tie out every dollar of my cost of good sold before I can tell you I have cost of good sold data for a transaction. Well, that's just not true because in the real world, companies make journal entries adjusting the cost of good sold. They don't do it at a transactional level. There's other things that schedule M'S on a tax return that affect cost of good sold. And so no, you don't have to nub that out to the last dollar to say, I have transactional data. You have to be able to identify what you can and what you can't identify gets allocated or apportioned across all the transactions. And if you think about it, if you say, I can't get anything, you're really apportioning all of the costs over everything anyway. That's the ultimate in apportionment. There's not even any allocation. You're just saying, oh, every one of my transactions has the same margin as a result, which is really factually never the case. Dave: Well, and I just thought of another one, and this isn't maybe a misconception as much as it is a misinterpretation. I can't tell you how many IC-DISCs I see that the related supplier is a flow through entity, yet they have the individuals own the IC-DISC. Have you seen this before? Brian: I've seen it. And sometimes they think that's the way it had to be. Sometimes they hadn't really thought of. It depends how they're using it. But the real downside to that is the IC-DISC commission reduces the income of the flow through entity, thus reducing the basis they have in their shares of that flow through entity. And then the dividend gets paid to the individual and there's no basis increase the dividend income. And unless they contribute the funds back to the business, they're eroding away their basis stock, which ultimately will result in a higher gain if they ever sell their business. Dave: When the ownership of the IC-DISC matches the ownership of the related supplier. Can you think of a scenario where it is actually beneficial for the individual shareholders to the IC-DISC instead of the related supplier? Brian: Yes. There are situations depending on where this shareholder lives. So let's say the shareholder lives in, say the company is operating in a state with a state income tax, but the shareholder lives in a state that doesn't have a state income tax. It's possible to get that dividend to the shareholder tax free, where maybe if it went through the S corporation or the partnership, it would not be tax free. Dave: I see. And you're talking about tax free at the state level? Brian: Yes. Federally, I don't really see in a regular IC-DISC that's just been used to pay dividends to the owners of the supplier. I don't see, unless it's a C corporation, in that case, you don't want the IC-DISC owned by the C corp, but if it's a flow through entity, you generally get the same tax answer, whether it's owned directly by the flow through entity or directly by the shareholders. Dave: Okay. Oh, I just thought of another misconception. It's funny, when we started this column, I only had a handful of misconceptions. But the more we talk, the more we think of. So here's another one. Say you have a flow through as the related supplier yet for whatever reason, you want the IC-DISC to be owned by the individual shareholders. Well, I've been told several times that the ownership of the IC-DISC must match the ownership of the related supplier. There is no option to do otherwise. Is that accurate? Brian: That's a fairly strong statement. So the answer to that is no, it's not absolutely not required. Now, if the shareholders are related to one enough FAMILIALLY related, and there appears to be donative intent. So if mom and dad own a company and set up a IC-DISC and transfer it to the kids, there is some old IRS guidance out there that says, Hey, when a IC-DISC commission's paid to that IC-DISC, mom and dad are making a gift to kids. So that's a pattern you want to avoid, which is pretty easy to avoid, frankly. Dave: And you would avoid that by just setting up a new IC-DISC that the children would Brian: Set up initially and not get transferred by Dave: To the right and where the kids are making the capital contribution to Bible stock and Brian: Right. Exactly. But that's the one little gray area. Otherwise, there are some people out there that set up a IC-DISC to fund bonuses for executives. And we've kind of transitioned here away from misconceptions to underutilized opportunities because really that's an opportunity where you can use a IC-DISC to fund bonus payments to key executives and owners, or not owners, and it doesn't save the company any money, but it certainly saves the recipients a good amount of tax because if they get bonuses, they're paying tax, whatever their ordinary rate is, let's just say 37%, where plus there's payroll tax of 3.8%, whereas if it's funded through a IC-DISC, they pay tax at the qualified dividend rate plus the 3.8%. So it's a 17% rate differential on that type of income between the wages and the qualified dividend for the recipient. Dave: And I guess it would also save the employer portion of the employment taxes as well, right? Brian: Well, it saves the employee and the employer, but it's replaced by the Obamacare net investment income tax. So they're both 3.8%. Dave: But if you had a simple example where an employee had a base salary of a hundred thousand dollars and they had a $20,000 bonus that was paid through the IC-DISC, that would've been subject to Brian: Fica. I'm thinking about people that are making more than Dave: Understood, Brian: But you can save FICA tax as well, Dave: And the Brian: Employer and the Dave: Employee, and that's kind of what I was thinking of. And even when they get above that limit, there's still the 1.45% that I think has no cap. Brian: Right. But again, that's the employer portion. Then there's the employee portion together that's 3.80, Dave: Right, which is the, Brian: So you've got the Obamacare tax. Gotcha. Dave: Well, that reminds me of another misconception that you had alluded to, and that is that a related supplier can only have one IC-DISC affiliated with it. Is that true? Brian: That is not true. Related supplier could have a thousand IC-DISCs if it wanted to. Dave: In fact, that option you mentioned of the employee owned IC-DISC, I usually see that as that being an additional IC-DISC kind of in addition to the primary IC-DISC. Is that usually how you see it? Brian: I see that way as well. Yeah, for sure. Or I see IC-DISC A is going to fund bonuses for the C level executives, and then IC-DISC B is going to fund bonuses for middle management. And so middle management IC-DISC has a targeted amount, and the upper level IC-DISC may not have a targeted amount. It might just be unlimited. Dave: Now, the drawback is if you have multiple disk, the combined commission amount for all of them cannot exceed what it would've been if you had just one IC-DISC. Right. It's not a mechanism to create larger combined Brian: That definitely can't, doesn't work. Yeah, it definitely would. But yeah, you can definitely set up different structures to fund bonuses for different people, or if it's a C corporation, and we don't see a lot of C corporations with IC-DISCs. But if you're a closely held C corporation, you can have a shareholder owned IC-DISC, and if you're in the habit of paying dividends, you can pay commissions to a DIS instead of paying those dividends, Dave: Avoiding the double taxation in Brian: The corporate layer. Exactly. So that's an underutilized opportunity in my opinion, because there's got to be more closely held C corps out there than the amount that are using IC-DISCs. Dave: And I guess another one, we touched on this earlier, but the evergreen dividend resolution, what's this all about? Why is this an opportunity? What are the benefits of Brian: It? So the evergreen dividend resolution basically says the IC-DISC is going to distribute, its right to receive a commission each year on the last day of its year. So that accelerates the dividend into the same year as the commission expense. That alleviates the need to move money under the 60 day rule and 90 day rule. There's no reason to move the money if you're not trying to qualify a receivable. That's what those rules relate to, whether you're as receivable as qualified or not. So that's a benefit. It also can guard against the law change where the rate on the dividend income would go up in the subsequent year. You can avoid that. But a lot of practitioners treat their IC-DISC like they have an evergreen, but they don't actually have it. And that's a problem in my mind. But if you have it, it just makes everything a lot easier. You don't have to try to figure something out by the end of February. You figure it out once and you just treat it like it all happened at the end of the year. And I know that that works because I had a client years ago that was in tax court in the great state of Texas. The issue came up. I wrote up a brief for the client, and the tax court accepted the evergreen as a viable dividend resolution Dave: Because in a way, didn't the tax court almost defer that to the state rules? Brian: Well, they just fall under. So you can have a dividend, you can create a dividend under state corporate law just by writing a resolution, but you have to have the income to support the dividend, to have a dividend for tax purposes. So if you have the resolution that says, I'm declaring a dividend on December 31st every year, then based on facts, you either do have a dividend or you don't for tax purposes depending on how much income you have. So it just falls back on that probably one other underutilized Dave: Opportunity. Well, Brian, before you move, I just wanted to talk about the evergreen, I guess is the biggest drawback that the taxpayer would miss out on the deferral. Brian: That's one of the drawbacks. The other drawback has to do with the interplay between all of this and this 4 61 L limitation, which limits how much of a flow through loss a taxpayer can deduct in a year. So you could have a situation where the IC-DISC dividend on a transaction by transaction basis becomes so large, the commission becomes so large, it creates a loss and the flow through entity, the shareholder can only deduct a certain amount of that loss, but they would have to potentially pick up all the dividend income Dave: And then Brian: Deduct that loss at a later point in time. Now, personally, I'm still getting a permanent rate benefit out of it. So if I'm not going to sit on this loss for years and years, I think it's okay. But if I'm going to sit on that loss year after year after year and not utilize it, then I don't want to be picking up those dividends that I can't utilize the losses. So it just requires some additional coordination between the CPA and us and the client to determine exactly what the right commission should be. Dave: Okay. So you're about to, Brian: And that's another misconception. Dave: Yeah, go ahead. Brian: Yeah, like, oh, my commission has to either be whatever I compute or zero can't be anywhere in between. That's a misconception because I can target an amount, and as long as my IC-DISC commission agreement gives the related supplier the unilateral power to include or not include a IC-DISC export sale in the IC-DISC calculation, I can pick and choose whatever number I want that to be so that I don't have a 4 61 L problem, or I don't have the number be bigger than I can utilize. In other words. Dave: And that's because the IRS does not require you to capture every export sale. So that's basically limit the IC-DISC commission to a specific amount and back into which of the export sales you'll basically exclude from the calculation. Brian: Right? Right. Exactly. Exactly. But again, also we like to see that supported in the IC-DISC commission agreement. And then the last underutilized opportunity has to do with G there. Having a IC-DISC does have some cost. So if I don't have at these 3 million of export sales, it might be questionable whether I can really benefit economically benefit from a IC-DISC. When I look at the cost and the benefit, well, there are structures out there that we'll call a shared ING IC-DISC where partner like small exporter can invest in a partnership. That partnership owns a IC-DISC. Maybe there's five or six investors in the partnership. They're all unrelated. They all have, let's call it a million dollars of export sales. And on a standalone basis, there'd be too much cost for setting up the disk compliance to offset the tax benefits, but it'd be greater than the tax benefits. But if I can use a shared disk, then I only have to share a portion of the cost, the annual cost of the IC-DISC, but I still get my tax benefit. And really what happens with the other partners? So the partnership owns the IC-DISC. The IC-DISC earns that commission from the related supplier, then the IC-DISC pays all of its dividends to that partnership, and the partnership can then allocate the dividends back to the individual exporters based on their contribution. So it's a way for smaller companies to still get a tax benefit out of it. And I seen very few of these out there. So there's got to be thousands of companies that export that just don't export enough to have their own IC-DISC. Dave: Yeah, yeah. No, that's an interesting opportunity. And I agree based on my experience. I mean, I've talked to so many people in the past, or I did talk to so many people who exported $2 million or less, and I'd have to say to them, it's probably not worth the time and the cost because there's time on their end and then there's hard cost to have the work done. Brian: Yeah. I've had the same conversation countless times with companies as well. It's really something that both exporters and their CPAs should be aware of because the CPAs are in the best position to know that their clients are doing some level of export. Dave: And I just thought of another misconception, and that is that the virtually from the day after the IC-DISC rules were enacted, prognosticators started saying that the IC-DISC is going away. It's just going to be a short-lived thing. And even in the two decades I've been involved in IC-DISC work, I've heard this from so many tax practitioners, oh yeah, this thing's going away anyway, why bother? Brian: Yeah. Well, it really, for it to go away would fly right in the face of current policy in the administration. So I don't think it's going away anytime soon. Some of the benefits have been whittled away over time with some of the other provisions that are coming into play, but it's really not going to get repealed anytime soon. Certainly not in the next four years after that, who knows. But certainly it's good for the next four years. But it's funny, in 2003 with the Bush tax cuts, they brought in this concept of qualified dividend income, which really revitalized the use of the IC-DISC for a lot of pass through businesses. One of the big four firms said, oh, it's going to be a technical correction, and the qualified dividends are not going to include the dis dividends. Well, here it is 22 years later, I'm still waiting for that technical correction out of Congress, but I guarantee you that they've advised their clients to use the IC-DISC, even though they were out there saying, oh, no, no, no, no, no. This is an error. It's going to go away. Dave: Well, I had this conversation, I think it was in 2009. I think the preferential dividend rate was IC-DISCussed going away at the end of 2010. If I have my time horizon. And I remember it was late summer of I believe oh nine, talked to the potential client, they connected me to the CPA, and this was the international tax partner of a top 50 CPA firm. And she said to me, quote, I think you're being reckless even bringing this idea up to my client. I said, why is that? She said, are you not aware of house resolution such and such that hadn't been passed, but the resolution was going to ever go away? And she said, if this is passed, then this will not be usable beyond the 2010 tax share. And she said, we think it's reckless and not even sure why you'd want to bother with it if you can only at max use it for a year and four months. And I remembered saying, I appreciate that. You may not think it's worth it, but I wonder if the client, when he does the ROI calculations, if they might think it's worth it. Because even if they only used it for a year and a half, it still might be worth the cost to set it up, the compliance cost and the cost to shut it down. Brian: That whole analysis took place in 2007, 2010, 2012. I remember, I'm not proud of this, staying up late on New Year's night of 2013, so I could watch Congress vote because they let the qualified dividend rate lapse and then they had to reenact it the next day. And they did it on January 1st, and I sat in front of the TV watching. I was fairly invested in whether they were going to vote for it Dave: Or not. Yeah. Well, I think that's appropriate. You're a little bit like the soup Nazi from Seinfeld. He is got such passion for his customers. Brian: There you go. Yeah, I definitely am passionate about what I do because I love what I do. I couldn't imagine not doing it. Dave: Yeah, I find the same. Brian: And I love helping taxpayers legitimately reduce their tax burden. Dave: Well, and the clients that we help tend to be entrepreneurial type companies, they're not Fortune 500. And I've seen where this can legitimately make a difference in freeing up cash to buy more equipment, hire more people. It's quite a stimulus. Brian: Also not a misconception is Fortune 500 companies can't use a IC-DISC. It's really for private companies. Dave: Yeah. Brian: It's not something that you'll see a lot of or any private public companies utilize. Dave: Okay. Well boy, we've covered a lot. Anything left to cover? Any other misconceptions or opportunities you can think of? Brian: Nothing that I don't think we've IC-DISCussed. Dave: Okay. Well, I have one final kind of fun question. So with the benefit of hindsight, if you could go back in time and give advice to, say your 25-year-old self, what advice might you give to yourself? Brian: It's going to be completely non-tax related. Dave: That's okay. Brian: If you tear a ligament to your knee, get it repaired. I did that and I didn't get it repaired. And ultimately I got a new knee, which works just as well as the original with a lot more probably pain in the interim. Dave: Gotcha. Okay. Well that's good advice. So the takeaway, if you're 25 years old and you have a ligament tear, don't wait 30 years to get it fixed Brian: Or to not get it fixed at all and just get an artificial knee. Dave: Yeah. Understood. Well, Brian, thank you so much. This was really fun. I mean fun by a couple of IC-DISC nerds. I guess not everybody would consider this conversation fun, but I thought it was a lot of fun and I appreciate the expertise that you bring to this matter. Brian: I appreciate the opportunity to be here and chat with you about it. And maybe in the future there'll be some more topics we can talk about. Dave: Yep. I would enjoy that. We should make it an annual tradition. Brian: That sounds like a good idea. Dave: Alright. Hey, have a great day, Brian. Brian: You too, David. Dave: There we have it. Another great episode. Thanks for listening in. If you want to continue the conversation, go to ic IC-DISC show.com. That's IC dash D-C-S-H-O w.com. And we have additional information on the podcast archived episodes as well as a button to be a guest. So if you'd like to be a guest, go select that and fill out the information and we'd love to have you on the show. So it we'll be back next time with another episode of the IC-DISC Show. Special Guest: Brian Schwam.

In this message, Pastor Caleb discusses the importance of not only discerning things about to happen but also how to be prepared to live in the present as a true Christian.  Jesus rebukes the multitude and especially the religious leaders for being able to know the weather but not the day they are living in.  The correct doctrine of ministers should prepare every Christian not only to submit to a spiritual leader who will lead how to live in the last days, but also how each Christian should be an example to others.  Send us a textSupport the showFor more information for our church visit AGCSparta.org.

In this message, Pastor Caleb discusses the importance of not only discerning things about to happen but also how to be prepared to live in the present as a true Christian.  Jesus rebukes the multitude and especially the religious leaders for being able to know the weather but not the day they are living in.  The correct doctrine of ministers should prepare every Christian not only to submit to a spiritual leader who will lead how to live in the last days, but also how each Christian should be an example to others.  Send us a textSupport the showFor more information for our church visit AGCSparta.org.

Dr. Pia Lieb returns for a second part on the podcast. In this episode, she talks about being obsessed with your craft, and why that extra 10% for patients will take you miles. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:10) I love that you, ⁓ I think this is probably what's made you really great. I don't know. I've heard a lot about you. But I think what you do is you make sure that the patients are obsessed with the results and not that Dr. Pia is obsessed. Like you're obsessed with the craftsmanship of what you've done.   You're really talented at that. But like hearing that you let people walk out and go try these on and what is it going to be like before you do it? That to me says that you are so obsessed about the outcome and the result for the patient. And then your job is to make sure you have the most excellent craftsmanship, the best product, the best techniques, the best method to get them the outcome they want. And I think hearing that, I'm just so proud of you. And I'm so grateful to hear that there are clinicians in our industry that   are obsessed about that rather than the reverse. Because I think some people are obsessed about maybe the dollar, maybe about doing these types of cases, but they're not the best at it, or this is what I think that they should look like. You really want to make sure that that patient is like a walking raving fan of you before you even do the work on them. And that I think is very special about you.   Dr Pia (01:17) Thanks, but you know, I like to say that, you know, like, the thing that people don't understand is I'm technically the Hermes of dentistry because I, it takes a long time to make a Birkin, right? It's all made by hand. So are the veneers, hence why it's so hard to get one. But look, I   Kiera Dent (01:39) Mm-hmm.   Dr Pia (01:42) 22 years old and it still looks brand new because it's the quality of the craftsmanship you know and I tell all my patients you should get anywhere between 20 and 25 years out of the mirror okay this whole nonsense of five years and ten years that's because they want to redo the case and for you to pay them again if you're doing good quality work the only reason they should be replaced is because you have recession due to old age   Kiera Dent (01:55) Wow.   Mm-hmm.   Wow. And you don't have any issues with these super, super thin ones popping off.   Dr Pia (02:17) No, because okay, let me let me explain to you. Let me explain to you physics. Okay. Okay, do you know why they pop off?   Kiera Dent (02:19) Let's talk about this. I'm so, cause a lot of people haven't popped off and it's so scary. So I'm like, let's talk about this.   You know, this is why I'm asking you. Cause I don't like, feel my guess is that they were not bonded on correctly. And that's my guess. Okay. I'm ready.   Dr Pia (02:28) Okay.   No, it's, two things. There's two things. That's   one, but that's the second one. Right. But let me explain to you. Do you remember when you were in high school and we went to, ⁓   Kiera Dent (02:37) Okay.   Dr Pia (02:43) ⁓ chemistry and we had the microscope with the two glass slabs and we were looking for amoebas and all that stuff. Okay, remember how we were all a painting that you know what and we all tried to pry those two glass slabs apart and it never worked? Well that's the same principle with veneers. The thinner they are the stronger they are.   Kiera Dent (02:51) Yep.   Yeah   Fascinating.   Dr Pia (03:06) Okay   and I'll tell you why because teeth you know because you're in the business so teeth we all have ligaments right the teeth are hard it's a hard structure the bone is a hard structure so we have the dental ligaments right they're horizontal they're transversal so those are like the shock absorbers that hold the tooth inside the bone socket. Now   Kiera Dent (03:12) Mm-hmm. Right.   Mm-hmm.   Mm-hmm.   Dr Pia (03:30) when you're speaking and when you're eating those teeth move microns not visible to the eye but your teeth have mobility just like trees have mobility in the wind right we don't see the trees move unless it's a hundred mile an hour winds but if you have a five mile an hour wind you don't see that tree moving right but it does move   Kiera Dent (03:44) Mm-hmm.   Right.   Mm-hmm. Mm-hmm.   Dr Pia (03:56) So   when you're doing these 3D print and you're filing like the turkey teeth where you have the little pegs left and the ratio of tooth to porcelain is 50-50 or you're having 60-40 or 70-30 that 3D printed porcelain does not flex.   Kiera Dent (04:05) Yep.   Makes sense.   Mm-hmm.   Dr Pia (04:23) but your tooth does. So that's the number one issue why they pop off. The thicker they are, the easier they'll pop off. And the number two reason is the dentist has no idea about occlusion. Because if you have a premature contact or you have lateral excursions or a protrusive, you're going to pop those off like there's no tomorrow.   Kiera Dent (04:23) True.   Interesting.   Mm-hmm. Yeah. Yes.   Totally. Yeah.   Dr Pia (04:51) So these are   the basic principles. If you don't know occlusion, you shouldn't be doing dentistry. I'm talking about GPs or it's the holy grail of this profession. Occlusion, occlusion, occlusion.   Kiera Dent (05:03) And I will tell you as a patient who has the most obnoxious bite, ⁓ there are dentists who do no occlusion and there are dentists who don't because my bite you adjust one teeny tiny little micron and the whole bite gets thrown off and they're like, no care, it should be fine. And I'm like, I can always tell if you're just doing blue paper and you're having me bite chew all around, I know you don't understand occlusion because I'm like, you're never going to get it. I'm going to be, you're dancing all the way around. Like from the patient who has sat there,   four hours upon hours and had to find other dentists because the dentist who thought they could do it truly can't do it. And this isn't me being a jerk. This is me being the patient who has to suffer through a dentist who doesn't understand occlusion. Like what you just said as a patient, ⁓ and like there's some, know, you can have it like completely off and like, yeah, it feels great. And then you have patients like myself that teeny, teeny, teeny tiny. I can feel it. You can't even find it. And I'm like, no, it's off. My bite is not, my teeth are not coming together.   Dr Pia (05:59) You always know, the patient always knows. They're always right.   Kiera Dent (06:02) always. And please don't have me laying back.   Please don't have me lay back. Let me sit up. Let me lay back. Let me tell you on both of them, because it's always different. And they're like, no, it's good. And I'm like, it's not. You're not sitting in my mouth.   Dr Pia (06:09) Yeah!   Because   you most probably have long centric, right? So you have one occlusion when your head is back and you have a different occlusion when your head is forward. Now, if that's the case, you need to check both.   Kiera Dent (06:18) Mm-hmm.   Absolutely.   Correct. Thank you. Preach, please, for the patients like myself. These are the pieces. And I don't disagree because when I have seen dentists and they're not checking that and the patients are constantly popping off, I'm like, just maybe check to see how those teeth are hitting in all directions because they will pop.   Dr Pia (06:43) ⁓ but let   me interrupt you for one thing. The other thing that's an issue, okay, if they do it and you're anesthetized, you're not going to get a good read. You always have to call the patient back the next day and check the occlusion again in all the positions when they're not anesthetized because I will guarantee you on my career that it will be off.   Kiera Dent (06:53) ⁓ no, never.   Yep. Yep.   Always. And they're like, no, you can bite when you're numb. And I'm like, I don't even know how I'm biting. I have no clue. I know I'm biting differently. Preach. These are the things and the conversations that I've said. And having somebody like yourself who's so good at this. I mean, you guys, has a referral-based practice. Like people are flying in to see her. I can see why, because how you speak about this is so different. And I think today, one, I hope people are inspired of things to do, things to not do.   different ways to do this. I also love the risk that you took. I love the growth. I love the determination of self of I will be the best. You have the passion. You've got the grit. You've got the tenacity. I have doctors who are great surgeons that are truly incredible at this. I've got doctors that are amazing at occlusion. I've got doctors that are amazing at fillings. There's a doctor and one of his patients said like, have the smoothest fillings in all the land. And he's like, that's really weird. I had him fix a filling that chipped.   And I'm not going to lie, he has the smoothest fillings in all the land. Like I've never felt a feeling as smooth as this man did for me.   Dr Pia (08:12) That's because he polished it afterwards.   99% don't polish them. You know, I had a colleague, checked, he did a, we put a crown in and I'm like, Joe, can we polish it? He goes, no, you're good to go. I'm like, no, I'm not. He's like, but I polished it. I'm like, okay, there is a porcelain polishing kit that you've got to go red, blue, white.   Kiera Dent (08:18) I was shocked.   Hahaha   Dr Pia (08:40) and the white has to be on low rpms and you have to make sure that it's shiny and polished and he's like i don't have the patience for that go do it yourself in the office and i did   Kiera Dent (08:52) But I think like that even I feel like dentistry you It to me what I'm hearing is a lot of dentists. It sounds like go 90 % of the way But it's like that extra 10 % is what really in my opinion makes a lot of difference for patients It's doing the polishing. It's doing the small finesse like you you're working in such a small space anyway Why not make it absolutely perfect and dr. P? think you really inspired me to even look at myself in my life of where's that extra 10 % that I could really just make a dazzle Where could I really make it shine?   It's not, it doesn't take a lot of time, but it does take intentionality. So as we wrap today, this has been such a fascinating podcast and I've absolutely loved it. And I just appreciate your time. I want you to wrap with, you can do do's, don'ts or a mix of the in between. What should people who are doing cosmetic dentistry from your perspective as truly one of the most expert people I've ever met do in cosmetic dentistry or don't or you're welcome to do a mixture as just a quick wrap rattle of things that you've seen in your career.   Dr Pia (09:48) Before   we do that, want to talk to you, I think that we should do this again because I want to talk to you about DSOs and private practice.   Kiera Dent (09:56) Mm, yeah.   That is very fascinating. This is heavy on my mind of all different topics currently in the landscape, which I don't disagree with you.   Dr Pia (10:08) Yeah, that's things are things are changing and not for the better.   Kiera Dent (10:12) They are.   Yeah, absolutely. That will be it.   Dr Pia (10:17) Because I'm a dinosaur   now. I mean, there's very few of us that do handmade work anymore. So getting back to your question. Look, I   Kiera Dent (10:22) I don't disagree.   Dr Pia (10:30) cosmetic dentistry you have to be very very very passionate about it and and the key is to leave your ego at the door and try to be the best version of yourself and that means take every course if you're a young dentist or still in dental school take every course that you can take you know look on Instagram and find the people that do the handmade work like myself and you know there's a handful of   that do it and ceramist as well and find the good beautiful work and reach out to everyone like you know everybody can reach out to me you know and ask me like hi how do I do this or how you know how should I go about doing that the thing is you have to be passionate if you're do and what I've told every student of mine in 18 years you're not doing this for the money the money will come you have to do this because you love doing it   Kiera Dent (11:31) I don't disagree. think, on that note, Dr. Pia, what is the best way for people to follow you? Because I love that you said this and I tell people all the time, the world has shifted. We are in 2025. I'm going to choose a plastic surgeon, a cosmetic dentist, a surgeon based on their Instagram. I'm gonna go look at their photos. I'm gonna go look at their work. We don't live in a world where we are isolated just to our own state anymore. Like people fly across the country to go get the best work done. So.   Dr Pia (11:56) yeah, mean Instagram,   I get internationals from Instagram. I've gotten Kazakhstan, I've gotten the UK, I've gotten the French, I've gotten so many and they're all Instagram. And I'm like, okay. I'm just Dr. P, I spelled out the D-O-C-T-O-R. P-I-A, my first name.   Kiera Dent (12:06) How cool is that? So what is your Instagram handle? So people can follow and kind of see what you do.   Dr. Pia,   and I think if you want to see someone, I know you said you're a dinosaur in this, but as we've been chatting, I'm like, this is the doctor that I would fly across the country to go to. This is the one that I would go see. She knows what she's talking about. She's got the finesse, she's got the passion. She's willing to do one veneer. She's the person I'm going to trust to do work on my mouth. And it's how does she get seen? How does she get known? How does she do this? Guys, these are the legends. These are the people. These are people that have just like done what you're wanting to do.   Follow her and also, I don't know if you have heard at the beginning of the podcast, it sounds like Dr. Pia, you're passionate about helping any person who this is their dream become the best in the industry. And that to me is why she...   Dr Pia (12:51) for sure. For sure. Just DM me if you have any questions.   That's the whole like Instagram is the new portal of learning.   Kiera Dent (13:01) Mm-hmm.   Dr Pia (13:04) Just ask questions. mean, it's none of us were born knowing how to do veneers. We all had to learn it at some point. And as long as your ego is at the door and you're willing to learn and be the best version of yourself, then you're great. You're great. But if you think you know it all, I'm still learning. And I've been doing this for decades. I'm still learning. I want to be up to date and things are changing. Materials are changing. There's so many things.   Kiera Dent (13:13) Right.   Dr Pia (13:34) Styles are changing. Thank God the Hollywood smile is dying. Finally. This took about 16 years, but thank God it's dying now. It's going back to natural   Kiera Dent (13:34) Yeah.   No. Right.   which Dr. Pia, people didn't get to hear this. I heard this pre-show. You came on, we were just chatting and you said, I love my career. I love what I do. And to hear that you've been doing it this long and can still say that you love that. That's what my hope and wishes for so many doctors out there is that, and like, yes, we will get you back on the podcast to talk about DSO private practice because I think so many people are like get in, get out real quick. And I think that you are just such a great example of loving your craft, loving what you do.   committing to be the expert and look, you've had this long of a career and you're still obsessed with what you do. And I just want to honor you and say thank you and thank you for inspiring dentists today on the podcast.   Dr Pia (14:24) Well, thanks for having me. And look, the young generation, the new graduates that are out there, I think we need to tell them the do's and don'ts of DSO.   Kiera Dent (14:36) Absolutely. So that's a wrap for today with Dr. Pia. We'll have her back on talking about DSOs and new grads and the, I think the perspectives, because right now it's a world of a lot of noise and to find wisdom through that noise is paramount. So Dr. Pia, thanks for being on. Thanks for sharing your cosmetic knowledge. Yeah, I did too. And for all of you listening, I hope you commit to being the best at your craft, to getting hungry. There's a great quote. I'm a BYU football fan ⁓ and their coach says, be hungry.   Dr Pia (14:51) It was a pleasure, I loved it!   Kiera Dent (15:05) Stay hungry, stay humble. And I think that that's what Dr. Pia has done. And I hope all of you commit to that. And as always, thanks for listening and I'll catch you next time on the Dental A Team podcast.  

hunterpotery.com. get your mugs while they last! Click here for the DRB Daily Sign Up form! TODAY'S SCRIPTURE: 2 Timothy 1-4 Click HERE to give! Get Free App Here! One Year Bible Podcast: Join Hunter and Heather Barnes on 'The Daily Radio Bible' for a daily 20-minute spiritual journey. Engage with scripture readings, heartfelt devotionals, and collective prayers that draw you into the heart of God's love. Embark on this year-long voyage through the Bible, and let each day's passage uplift and inspire you. TODAY'S EPISODE: Welcome to the Daily Radio Bible podcast! In today's episode, Hunter guides us through the 10th of December, continuing our year-long journey through the Scriptures. Together, we explore the book of 2 Timothy, chapters one through four, reflecting on Paul's powerful final words to Timothy—words of encouragement, endurance, and unwavering faith. Hunter helps us draw practical wisdom from Paul's perspective at the "finish line," insisting that we stay focused, keep our minds clear, and persevere in our spiritual race. The episode invites listeners to embrace courage in dark times, find strength in God's love, and live out our calling with purpose. As always, we close with prayer—for our own souls, our families, and all who tune in—lifting up our hopes and needs to the Father in this season of Advent. We also take a moment to recognize the generous support of our podcast partners, and extend an invitation for others to join in supporting the ministry. Tune in for a soul-enriching blend of scripture, reflection, encouragement, and community. TODAY'S DEVOTION: We're in the coach's corner, and Paul is giving us some perspective from the finish line. Some perspective from someone who's already won his race. In verse seven, chapter four, Paul says this: "I have fought the good fight. I have finished the race and I have remained faithful." Paul, standing at the finish line, looking back at his protégé Timothy, wants to give him—and us—some perspective for our journey. Stay focused. There's no off season. Do what you're called to do. Preach the word of God and offer the gospel of Christ. Correct, rebuke, and encourage people into and with the gospel. Keep a clear mind. Renew your mind by staying focused on the gospel. Don't be afraid. You'll have to suffer in this life, but the suffering will pass, and God will be with you each step of the way. You must keep focused and stay in the fight. The race has an endpoint, and we see Paul at the threshold. He says, "I've run the race. I've finished it. I've won the prize." Brothers and sisters, there is a prize that awaits us—a crown of righteousness: absolute wholeness, healing, and joy. Having finished his race and looking back from that line, Coach Paul has us in the coach's corner and he's calling out to us: courage, wisdom, perspective. Receive it well. Take it to heart. Stay focused and don't be afraid. Keep fighting the fight. Keep your mind clear and run to the end. God is with you and he is good. That is the prayer that I have for my own soul today. It's the prayer that I have for my family, for my wife, my daughters, and my son. And that's the prayer that I have for you. May it be so. TODAY'S PRAYERS: Lord God Almighty and everlasting father you have brought us in safety to this new day preserve us with your Mighty power that we might not fall into sin or be overcome by adversity. And in all we do, direct us to the fulfilling of your purpose  through Jesus Christ Our Lord amen.   Oh God you have made of one blood all the peoples of the earth and sent your blessed son to preach peace to those who are far and those who are near. Grant that people everywhere may seek after you, and find you. Bring the nations into your fold, pour out your Spirit on all flesh, and hasten the coming of your kingdom through Jesus Christ our Lord, Amen.   And now Lord,  make me an instrument of your peace.  Where there is hatred let me sow love. Where there is injury, pardon.  Where there is doubt, faith. Where there is despair, hope.  Where there is darkness, light.  And where there is sadness,  Joy.  Oh Lord grant that I might not seek to be consoled as to console. To be understood as to understand, to be loved as to love.  For it is in the giving that we receive, in the pardoning that we are pardoned, it is in the dying that we are born unto eternal life.  Amen And now as our Lord has taught us we are bold to pray... Our Father who art in heaven, hallowed be thy name, thy kingdom come thy will be done on earth as it is in heaven, give us this day our daily bread, and forgive us our tresspasses as we forgive those who trespass against us, and lead us not unto temptation, but deliver us from evil, for thine is the Kingdom and the power and the glory forever. Amen. Loving God, we give you thanks for restoring us in your image. And nourishing us with spiritual food, now send us forth as forgiven people, healed and renewed, that we may proclaim your love to the world, and continue in the risen life of Christ.  Amen.  OUR WEBSITE: www.dailyradiobible.com We are reading through the New Living Translation.   Leave us a voicemail HERE: https://www.speakpipe.com/dailyradiobible Subscribe to us at YouTube: https://www.youtube.com/@Dailyradiobible/featured OTHER PODCASTS: Listen with Apple Podcast DAILY BIBLE FOR KIDS DAILY PSALMS DAILY PROVERBS DAILY LECTIONARY DAILY CHRONOLOGICAL  

When two employees of Handy Dan hardware store gave this idea to management, they got fired! So, they started Home Depot. Someone’s kicking themselves now! Dave Young: Welcome to the Empire Builders Podcast, teaching business owners the not so secret techniques that took famous businesses from mom-and-pop to major brands. Stephen Semple is a marketing consultant, story collector, and storyteller. I’m Stephen’s sidekick and business partner, Dave Young. Before we get into today’s episode, a word from our sponsor, which is… well, it’s us. But we’re highlighting ads we’ve written and produced for our clients. So here’s one of those. [No Bull RV Ad] Dave Young: Welcome back to the Empire Builders Podcast. I’m Dave Young. That’s Steve Semple whispering in your other ear. And on today’s episode of the Empire Builders- Stephen Semple: [inaudible 00:01:44] your live stereo. Dave Young: We knew that it would only be a matter of time having so recently discussed the Lowe’s Empire that we would be discussing Home Depot, and today is that day. Stephen Semple: Today is that day because really, there’s a pretty shared DNA there. Dave Young: Sure. And again, I always think, “Well, okay, start as a little hardware store and then somebody grew into a big hardware store and then they made a bunch more.” Stephen Semple: It’s a little bit like that. Dave Young: A little bit? Stephen Semple: Except this is a little different. It’s a little bit different. Dave Young: Okay. I always like a good twist. Stephen Semple: There’s a little bit of a twist in this. So it was founded in February 6th, 1978, Marietta, Georgia by Bernard Marcus, Arthur Blank, Ron Brill, Pat Farrah, and Ken Langone. So these guys basically got it started. Dave Young: So it doesn’t go near as far back as Lowe’s. Stephen Semple: Yeah. Lowe’s is a little bit earlier, but not much. And today they have over 2,300 locations. They do 160 billion in revenue with over 450,000 employees. So it’s a big deal. And we all know who the Home Depot is, right? We’ve all pretty much heard of it. Now, a couple of the guys got basically fired from a hardware store in the West Coast called Handy Dan. Dave Young: Handy Dan. Okay. Stephen Semple: And it wasn’t really all that big and it was one-stop. But here’s why they got fired. They kept pestering management saying, “You need to go larger, then you need to go national.” And basically, management got tired of listening to that and fired them. So I told you there was a little twist. So when they left, they called one of Handy Dan’s investors, Ken Langone, and said, “Here’s what we want to do. We want to make 100,000 square foot hardware store, stock everything, make it cheaper, and make it more like a wholesaler. That’s what we want to do.” And they drew their inspiration from Walmart. They’re looking at what Walmart was doing. They said, “We want to do the Walmart thing for hardware and building.” And Ken was like, “Great, let’s do it.” And they drew up a plan that basically said they needed $25 million to get going, and they had to settle on raising three and a half million. So this is important to keep in mind because it shapes a couple of things that they do. And so the first thing that they needed to do… And they had a guy, Pat Farrah join them for merchandising. The first thing that they needed to do was create a name for the company. Now, I don’t know if you remember Crazy Eddie’s, the guy in New York City? Dave Young: Yeah. Stephen Semple: New York City. And he was selling electronics and all this other stuff. Dave Young: But he’s no Handy Dan. Stephen Semple: He’s no Handy Dan, but they were inspired by Crazy Eddie’s. And what I found interesting is in Toronto around the same time, there was a furniture company that started that also was inspired from it because it was Bad Boys. They would dress in the black and white retro, “I’m a prisoner” uniforms. And they’d be like, “Bad Boys. Does anybody have a better price? Nobody.” That was their slogan. But what these guys decided was they were going to call it Bad Bernie’s Buildall. Dave Young: Bad Bernie’s Buildall? Stephen Semple: Bad Bernie’s Buildall. Yes. The investors didn’t like it. That name did not go forth. Dave Young: Of course they didn’t like it. Stephen Semple: Well, because it didn’t have the name Home and all those other things. So they said, “Okay. Well, let’s call it the Home Depot.” Dave Young: Look, Lowe’s doesn’t have the name Home in it either, but it’s not Bad Bernie’s. What was it? Builders? Stephen Semple: Buildall. Dave Young: Buildall? Stephen Semple: Yes. Dave Young: It doesn’t roll off the tongue. It blurts out of your mouth in a not great way. Yeah. I have to side with the investors on this one. Stephen Semple: I have to say, I think even on this one, the investors, they’re often not right, but I think on this one they were right. So they opened in Atlanta, 60,000 square feet. Remember that little bit of a difference in terms of the money that they wanted to raise? Dave Young: Yeah. Stephen Semple: They wanted to raise the 25 million and only had three and a half million. So it made a couple of things difficult, such as stocking 60,000 square feet full of merchandise. Dave Young: Sure. That’s a lot of merchandise. Stephen Semple: So to make it look full, they went out and they bought empty paint cans, thousands of empty paint cans and thousands of empty boxes and basically put them on the shelves. Dave Young: Oh, boy. Stephen Semple: And they wanted to make it feel like a working warehouse so they threw sawdust on the floor. So it’s sawdust on the floor, empty boxes, empty paint cans. Dave Young: Just have one guy driving around with a forklift randomly just… Stephen Semple: They couldn’t afford a lit sign, so they had to make it bright to stand out. So that’s why they went with the orange. Now here’s what’s really interesting. Dave Young: Okay. That makes sense. Stephen Semple: Our client in Edmonton who sells used RVs has a location that’s relatively close to the airport, so you can’t do a lit sign. Jay Mistry Art Design. We picked a very specific shade of orange because what we knew is the setting sun would hit it. And when the setting sun hits that sign, it looks like it’s glowing. And then we got Rick to buy a spotlight and Jay even said to him, “Spotlight has to have this specific criteria to it.” And we put the spotlight onto it and it looks like it’s glowing. There’s cheap ways to make a sign look lit without lighting it. But anyway, that’s why it was orange. Dave Young: Shining the light on it is fine. Stephen Semple: Right. But that’s why they went with the orange, is like, “We can’t light it. It’s got to stand out.” So they do launch day. Launch day does not go well. Literally, they had a newspaper ad that was supposed to run that didn’t run. Nobody showed up. They literally sent kids and family into the parking lot, literally to hand out dollar bills, come to the store. First year’s a disaster. They lose a million dollars in the first year. Dave Young: Here’s what we know about hardware. When do we buy hardware? When we need it. Stephen Semple: Yes, when we’re fixing something. Yep. Dave Young: When we’re fixing something, when we need it. I don’t need it today, but I don’t know if I need it tomorrow because nothing’s broken yet and I don’t have a project I’m working on. So you got to be patient in the hardware business, don’t you? Stephen Semple: Well, they also did something interesting to stimulate sales. So the first year they lose a million dollars and then they get this chance to buy fireplace accessories really cheap. Now think about this. It’s the summertime, they’re in the South and there’s these cheap fireplace accessories. They buy 4,000 of them and they plan to sell them at just above the price and advertise it like crazy. They’re selling these things for 37 bucks. And here’s what’s crazy. People travel from miles away to buy this stuff. And when they’re there, they’re walking around and they buy other things. So the original history- Dave Young: Get an empty can of paint. Stephen Semple: Yeah. And to get some paint. Dave Young: A big box. Stephen Semple: So the original history of Home Depot is they did all these flash sales. Flash sale, flash sale, flash sale. Okay. So in 1980, they do more sales. But one of the things they also do is they start hiring professional contractors and start running these clinics inside the store. This whole idea is we’re going to do a flash sale. Dave Young: I remember that. Yeah. Stephen Semple: Right. We’re going to do a flash sale to bring people in and then people will maybe watch the clinic and then they’ll buy other stuff. Dave Young: They’ll learn how to do tiling or all that stuff. Stephen Semple: So it’s 1985, they have 50 stores. Lowe’s has 300 stores and Lowe’s secret shops them. They start copying each other at this point. Now, Sam Walton, founder of Walmart, ends up becoming important in all this because Sam Walton calls them and you’re going to love Sam’s advice. Dave Young: Stay tuned. We’re going to wrap up this story and tell you how to apply this lesson to your business right after this. [Using Stories To Sell Ad] Dave Young: Let’s pick up our story where we left off and trust me, you haven’t missed a thing. Stephen Semple: Sam Walton calls them and says, “Guys, love what you’re doing, but you need to shift your model.” And you’re going to love Sam’s advice because it speaks to what we do from the standpoint of running these sales, there’s a downside to running all these sales. And he said, “Get rid of the flash sales, buy in bulk, keep everything as cheap as possible.” If that’s your dealio, low prices, don’t do flash sales, just do low prices, advertise that you got low prices on everything, go that way, and sales soar. So remember, Home Depot was 50 stores and Lowe’s was 300 stores. So that was ’85. So 1992, seven years later after implementing Sam Walton’s advice, Home Depot was doing seven billion in sales and Lowe’s is doing four billion. They blow past Lowe’s. Blow past them and even started opening locations in the same location. Lowe’s basically never catches up. There was one point where every 53 hours there was a Home Depot open. Dave Young: That’s a lot of cans of empty paint. Empty cans of paint. Stephen Semple: That’s a lot of cans of empty paint. Dave Young: Do you know what I miss about Home Depot? I remember when they did the little seminars and things, I thought it was cool. I didn’t ever take one. From where I lived at the time, you had to drive 100 miles to get to Home Depot. But when you got there, you could always get a sausage. They always had somebody out front cooking- Stephen Semple: Oh, doing food. Dave Young: … smoked sausage or something, right? Stephen Semple: Yeah. I think it’s a mistake that Home Depot has gotten away from that. But I do find interesting that what they recognized was when you do a flash sale, you’re not making money on the flash sale. The flash sale is a loss-leader to get people into the store. Now that I’ve got you in the store, I need to do something. And so running those clinics and those things was a great way to get people further engaged, see them as being professional and buy other things. What I do like was Home Depot wasn’t just flash sale, bring people in. There was a further leg to that stool. But what I also love was Sam Walton saying, “Forget the flash sales. Just do everyday low prices.” Dave Young: Well, it’s an interesting distinction between having a flash sale and a loss-leader that you don’t advertise as a sale. You just say, “Hey, screwdrivers are $1.99.” Stephen Semple: Correct. Dave Young: It’s not a sale price. That’s the price of a screwdriver today. Stephen Semple: Correct. Correct. Dave Young: And then people go, “Oh, well.” And maybe the screwdrivers cost you $4. But you advertise that screwdrivers are $1.99, and people that need screwdrivers also need screws and other size screwdrivers and all kinds of other things. But it gives the impression that everything you buy in there is going to be that kind of a price. But like you said, it’s not a flash sale. Stephen Semple: It’s not a flash sale. Dave Young: It’s just the price of a screwdriver. And that was what Walton was so good at, right? Stephen Semple: Yes. Right. Dave Young: He made Walmart become known for low prices, even though they weren’t always the lowest price. Stephen Semple: Well, that’s exactly it. And that’s what Sam’s advice was. Sam’s advice was the place that you want to occupy in somebody’s mind is, “You’ve got it, you’ve probably got a couple and they’re all a good price for your category,” because then when you do that, you own the mind in that category. Dave Young: Now here’s what’s interesting too. Did Sam Walton just call them up? Stephen Semple: Yeah, he did. Dave Young: And he wasn’t an investor. Stephen Semple: No. Dave Young: He was just like, “Hey guys, here’s how you’re screwing this up.” Stephen Semple: Hey guys, here’s how you- Dave Young: That’s pretty amazing. Stephen Semple: It might be a myth, but that’s the story floating out there according to the folks from Home Depot, is one day, Sam called and said, “Hey guys.” Dave Young: And here’s the other amazing thing is they took his advice because what I’ve found, you’ve found, all of us that do ad consulting work is the advice you give somebody that you don’t charge them for- Stephen Semple: They often don’t take it. Dave Young: … they often don’t do anything with it. Stephen Semple: It’s true. Dave Young: If they do, then you’re like, “Okay, well, I’ve got somebody I can work with.” Because often people look at it and go, “Well, shoot, you didn’t charge me anything for that. So how valuable could that be?” I remember our friend, Jeffrey Eisenberg. This is, shoot, 20 years ago, when someone would contact him for website consulting, he would get on the phone with them and they’d look at the site together and he’d make them two or three recommendations, “Here’s what you need to fix right now and this other thing. These are easy fixes. Just have your web guy do this, this and this, and your website will convert a lot better. And then let me know if you want to talk again.” And if they called him back a few weeks later and are like, “I want to talk again,” he’s like, “Well, have you done the things I told you?” “No. Because we’re not…” And like, “No, dude, I’m not even talking to you if you don’t do those things. Not even doing it, not having another conversation with you.” So I love that Sam just called him up. Stephen Semple: And the other part about taking advice, because look, in marketing and business, everybody wants to give their advice. But when a guy like Sam Walton is giving you advice, you should listen. Dave Young: You should. Stephen Semple: I was joking the other day with a client of mine who’s in Western Canada, one of the self-made billionaires is a guy by the name of Jimmy Pattison. We were talking about advice and I was like, “Yeah, if Jimmy Pattison ever calls and gives you some advice, take it.” Now, if the guy who’s just read a lot of books gives you some advice, maybe not. If Sam Walton calls, take it. Dave Young: This is terrible, but the most frustrating thing is when a business owner takes the advice of their veterinarian’s nephew. Stephen Semple: Well, exactly. Dave Young: Or, “My cousin says that we shouldn’t do it that way.” Stephen Semple: Yeah. Dave Young: And I’m like, “Well, you should just hire your cousin.” Stephen Semple: Right. And it happens a lot, as we know, in marketing because we all feel like we have an opinion in it because we’re all exposed to the messages all the time. But here’s the interesting thing, I’ve grown up my entire life with homes with indoor plumbing. Does not make me a plumber. Dave Young: No. Stephen Semple: Right. Miraculously. So to me, the part that I really loved with Home Depot was this audacity of, “Okay, how do we make it look big? How do we make it look real?” And even that first flash sale being this weird thing because it was fireplace accessories in the South in the summer. Even though we’re not big fans of flash sales, they saw something that worked and replicated it and it worked for a period of time. But then we’re still willing to pivot off of that, and so to go, “Okay, you know what? There is limitations to that. Let’s pivot off of that and do this thing.” And not everybody can be successful being low price. You can be successful being low price when you are giving a depot feeling, because let’s face it, you go in there, and the stores are bare bones, they’re buying in high volume. You can win at that game when you do it that way. Dave Young: Yeah. It could have been that the fireplace accessories is when Walton first noticed them. If I was writing this legend- Stephen Semple: Maybe. Dave Young: Because that’s really the tactic that he used, that’s what got started with his story, is buying [inaudible 00:18:53]. Stephen Semple: That’s his origin as well. Yes. Dave Young: There were a whole bunch of lawnmowers. I could get them real cheap and the staff was like, “Okay, so we’re going to store them till next summer,” because this is the end of the summer, right? Somebody else was overstocked. And he’s like, “No, we’re going to line them all up by the road and put a low price on them.” Stephen Semple: Yeah. And just move them. Dave Young: We just move them out, just blow them out. It’s not a lawnmower sale. It’s lawnmowers cost this much right here, right now, and there they are and that’s all there are. Stephen Semple: Right. So that’s a great observation. So their origin is very similar to his, except he didn’t make it a flash sale. He just sold them at a low price. Yeah. Dave Young: Yeah, just like, “No, I got these lawnmowers. Here’s what they cost and there they are. There’s that many of them.” Stephen Semple: That’s probably where it came from. I hadn’t connected those dots. That’s a great observation, Dave. Dave Young: That’s just part of the same DNA. Stephen Semple: It is. Dave Young: I love the story of Home Depot. I wish I could drive over there right now and get a smoked sausage, but alas. That ship has sailed, my friend. Stephen Semple: Yeah. Well, they still got hot dogs at Costco, so there’s still hope. Dave Young: Oh, there is that. All right. I’ll go to Costco instead. Thank you, Stephen. Stephen Semple: All right, thanks. Dave Young: Thanks for listening to the podcast. Please share us, subscribe on your favorite podcast app and leave us a big, fat, juicy five star rating and review at Apple Podcasts. And if you’d like to schedule your own 90-minute Empire Building session, you can do it at empirebuildingprogram.com.

Hosts Jim Connelly (@jimmyconnelly), Derek Schooley (@derekschooley), and Ed Trefzger (@EdTrefzger) look at sometimes controversial or overlooked topics in our midweek episode called Upon Further Review.In this episode, we look at teams that are ranked in the USCHO poll much lower than in the NPI and also the opposite, the teams poll voters love but the computer doesn't. We give our take on which is closer at assessing the teams at the season's midpoint.This episode is sponsored by the NCAA Men's Frozen Four, April 9 and 11 in Las Vegas. Tickets: https://ncaa.com/mfrozenfourFind all of our podcasts at USCHO.com/podcasts

What struck me most in my conversation with author Jennifer Shaw is how often we underestimate the power of understanding our own story. Jennifer grew up sensing she was different, yet never had the words for why. Hearing her share how a late diagnosis of autism and ADHD finally helped her trust her own voice reminded me how important it is for all of us to feel seen. As she talked about raising two autistic sons, finding healing through writing, and learning to drop the shame she carried for so long, I found myself thinking about the many people who still hide their struggles because they don't want to be judged. I believe listeners will connect deeply with Jennifer's honesty. She shows that creativity can grow out of the very things we once thought were flaws, and that resilience is something we build each time we choose to show up as ourselves. This episode reminded me why I created Unstoppable Mindset: to hold space for stories like hers—stories that help us see difference as strength and encourage us to build a world where every person is valued for who they truly are. Highlights: 01:33 – See how early misunderstandings can shape the way someone learns to navigate people and communication.06:53 – Learn how masking and observation influence the way neurodivergent adults move through the world.11:21 – Explore how parenting experiences can open the door to understanding your own identity.12:20 – Hear how finally naming a lifelong pattern can shift shame into clarity and self-trust.20:46 – Understand why self-doubt becomes a major barrier and how stepping forward can change that story.25:57 – Discover how personal journeys can naturally weave themselves into creative work and character building.29:01 – Gain insight into why creative careers grow through endurance rather than rapid wins.30:55 – Learn how creative practices can act as grounding tools when life becomes overwhelming.33:20 – Explore how willpower and environment work together in building real resilience.40:23 – See how focusing only on limitations can keep society from recognizing real strengths.45:27 – Consider how acceptance over “fixing” creates more space for people to thrive.46:53 – Hear why embracing difference can open a more confident and creative way of living.51:07 – Learn how limiting beliefs can restrict creativity and how widening your lens can unlock growth.59:38 – Explore how curiosity and lived experience fuel a deeper creative imagination. About the Guest: J. M. Shaw lives in Alberta, Canada, with her husband and two young children. She has been writing for most of her life, though it took years to find the courage to share her stories. What began as a childhood hobby evolved into a passion that, at times, borders on obsession—and is decidedly cheaper than therapy. Though initially interested in teaching and psychology, Shaw ultimately graduated and worked as an X-ray technologist—all the while continuing to write in secret. Through it all, storytelling remained her constant: a sanctuary, a compass, and a way to make sense of the chaos. Her early work filled journals and notebooks, then spilled into typewritten manuscripts and laptop hard drives—worlds crafted from raw imagination and quiet observation. A pivotal turning point came in 2019, when Shaw was diagnosed with autism and ADHD. The news brought clarity to a lifetime of feeling “too much” or “too different.” She realized that her intense focus, emotional depth, and ability to live inside fictional worlds weren't flaws—they were the gifts of a neurodivergent mind. Her unique insights allow her to create characters with emotional realism, while her mythical creatures, societies, and belief systems draw inspiration from both history and modern culture. In many ways, her fantasy series mirrors her own arc: navigating society through the lens of autism, embracing her differences, and discovering where she belongs. Shaw's fiction blends magic with meaning, often exploring themes of identity, resilience, and redemption. Though her worlds are fantastical, her stories remain grounded in human truths. Her characters—flawed, searching, and sometimes broken—feel eerily real. Literary influences like Stephen King, Margaret Atwood, and Dean Koontz helped shape her genre-bending style, while her mother—an English major and blunt-but-honest critic—instilled in her a love of classic literature and the drive to become a better storyteller. In 2021, Shaw released The Ascension, the first book in her fantasy-adventure series, The Callum Walker Series. Since then, she's published three sequels, with dozens of short stories, poems, and manuscripts still in her vault. Though painfully introverted, she attends book signings and author talks to connect with readers—shedding ecstatic tears as they share how deeply her work resonates with them. While these moments can be overwhelming, they remind her why she writes: to create stories that matter. Currently, Shaw is working on the fifth installment of The Callum Walker Series, expanding the emotional arcs and raising the stakes in her imagined realms. Alongside it, she is developing a new dystopian-adventure that blends inequality, rebellion, love, and moral complexity. Whether indie or traditionally published, her dream remains the same: to see her books in bookstores across the world and to keep building worlds for those who need them most. Ways to connect with Jennifer**:** Website: www.jmshawauthor.com Facebook: jmshawauthor Instagram: @jmshaw_author About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset . Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes: Michael Hingson  00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us. Michael Hingson  01:21 Well, hi everyone, and welcome to another edition of unstoppable mindset where inclusion, diversity and the unexpected meet. And we put it that way, because a lot of diversity people never address the issue of or include people with disabilities in their world, and some of us confront that, and I specifically take the approach you either are inclusive or you're not. There's no partial inclusion. So we put inclusion at the first part of unstoppable mindset, then diversity and the unexpected, which is everything that doesn't have anything to do with inclusion or diversity, which is most things, but it makes it kind of fun anyway, and we're glad that you're here, wherever you happen to be listening or watching, the Podcast. Today, we get to chat with Jennifer Shaw. Jennifer is an author, and she's been a a closet writer part of her life, but but she came out of the closet and has been publishing, which is cool, and she has a lot of other stories to tell, unstoppable in a lot of different ways. So I'm sure we're going to have a lot of fun talking today, and I hope that you learn some interesting and relevant concepts to your world. So Jennifer, thanks for being here and for being on unstoppable mindset. We really appreciate you coming. Jennifer Shaw  02:36 Thank you so much for having me. Well, Michael Hingson  02:38 why don't we start at the beginning, and why don't you tell us about kind of the early Jennifer, early Jennifer, Jennifer Shaw  02:44 so I was very much of an introvert, very shy. I didn't really know how to talk to people. Kind of was trying to figure things out, and was having, was having a hard time figuring things out, and became more of a misfit. And I needed a way of dealing with, you know, my misunderstandings. I came became very much a people watcher, and for a while, that worked, but I needed an outlet in order to be able to analyze and sort out my ideas. And then my mom bought me a typewriter because, you know, I'm that old. And I started, I know about typewriters? Yeah, and I started writing as a hobby, and then it became a passion and obsession. Now it's just cheaper than therapy. And in 2019 I was diagnosed with autism and ADHD, which makes total sense, looking back at all the things that I used to do and the way I felt, it makes sense now, and I thought I never shared any of my stories, but I've been writing by that point for over 30 years. And I thought, well, maybe writing is my special interest. And I got brave, and I sent off my first book in my series. It's now published because I just finished that one at the time to an editor, and I'm thinking, well, the worst they can say is it sucks. And my editor came back and said, This doesn't suck. You should publish. So two years later, I did Michael Hingson  04:05 cool well. So of course, one of the big questions, one of the most important ones of the whole day, is, do you still have the typewriter? No, yeah, I know. I don't know what happened to mine either. It is. It has gone away somewhere. Jennifer Shaw  04:19 Mine was really cool. It was a plug in electrical one had a white out strip and everything. I gave a presentation for grade five classroom, and I told them, I got started on a typewriter, and then I was going into how I got published, and different aspects of fiction writing and and plots and character development, that stuff and that, after an hour and a half, the only questions they had to ask was, what's a typewriter? Michael Hingson  04:43 Typewriter, of course, if you really want to delve into history and be fascinating to learn the history of the typewriter, do you know it? Jennifer Shaw  04:51 No, I do not. Michael Hingson  04:53 So the among other things, one of the first ways a typewriter was developed and used was. Was a countess in Europe who had a husband who didn't pay much attention to her. So she had a lover, and she wanted to be able to communicate with her lover. She is blind, and so she couldn't just have people write down messages and relay them and all that. So somebody invented this machine where she could actually create messages with a keyboard a typewriter, and then seal them, and she could get her ladies in waiting, or whoever to to give them to her, her lover. That was her way to communicate with with him, without her husband finding out. Yeah, so the ultimate note taker, the ultimate note taker, I learned to type. Well, I started to learn at home, and then between seventh and eighth grade, I took some summer school courses, just cuz it was something to do, and one of them was typing, and I didn't even think about the fact that all the other kids in the class kept complaining because they didn't know what letters they were pushing because there were no labels on the keys, which didn't bother me a bit. And so I typed then, I don't know. I assume it still is required out here, but in the eighth grade, you have to pass a test on the US Constitution, and for me to be able to take the test, they got the test transcribed into Braille, and then I brought my typewriter in and typed the answers. I guess. I don't know why they didn't just have me speak to someone, but I'm glad they did it that way. So it was fine. I'm sure it was a little bit noisy for the other kids in the class, but the typewriter wasn't too noisy. But, yeah, I typed all the answers and went from there. So that was kind of cool, but I don't remember what happened to the typewriter over the years. Jennifer Shaw  06:52 I think it gave way to keyboards and, you know, online writing programs. Michael Hingson  06:58 Yeah, I'm sure that it did, but I don't know what happened to my typewriter nevertheless, but oh well. But yeah, I did, and keyboards and everything else. But having used the typewriter, I already knew how to type, except for learning a few keys. Well, even mine was a manual typewriter. And then there was a Braille typewriter created by IBM. It's called the Model D, and it was like a regular typewriter, except instead of letters on the the keys that went up and struck the paper, it was actually braille characters and it and it struck hard enough that it actually created braille characters on the paper. So that was, that was kind of fun. But, yeah, I'm sure it all just kind of went to keyboards and everything else and and then there were word processors, and now it's just all computers. Jennifer Shaw  07:53 Yep, yep. We're a digital age. Michael Hingson  07:55 Nowadays. We are very much a digital age. So you went to to regular school and all that, yep, Jennifer Shaw  08:04 and I was never like I was it was never noticed that I was struggling because, I mean, for the most part, women tend to mask it. That's why less, fewer women are diagnosed than men. I just internalized it, and I came up with my own strategies to deal with things, and unless you were disruptive to class or you had some sort of learning difficulties and stuff, you never really got any attention. So I just sort of disappeared, because I never struggled in school and I was just the shy one. Yeah, taught myself how to communicate with other kids by taking notes of conversations. I have notebooks where I'm like, okay, so and so said this. This was the answer, okay, there was a smile. So that must be what I need to say when somebody says that. So I developed a script for myself in order to be able to socialize. Michael Hingson  08:55 And that was kind of the way you you masked it, or that was part of masking it. Jennifer Shaw  09:00 That was part of masking it. I spent a lot of time people watching so that I could blend in a lot more, kind of trying to figure it out. I felt like I was an alien dropped off on this planet and that somebody forgot to give me the script. And, you know, I was trying to figure things out as I went. Michael Hingson  09:15 Well, maybe that's actually what happened, and they'll come back and pick you up someday, maybe, but then you can beat up on them because they didn't leave a script. Jennifer Shaw  09:25 Yeah, you guys left me here with no instructions, Michael Hingson  09:27 or you were supposed to create the instructions because they were clueless. There's that possibility, you know, Jennifer Shaw  09:33 maybe I was like, you know, patient X or something, Michael Hingson  09:37 the advanced model, as it were. So you, you went through school, you went through high school, and all that. You went to college. Jennifer Shaw  09:45 I did, yes, yeah, I went through I was going to be a teacher, but they were doing the teacher strike at that time, and that I was doing my observation practicum. And I was like, I don't know if that's something I want to go into. I'm glad I didn't. And. Instead, you know, I mean, I had an interest in psychology, and I took some psychology classes, and loved them. It intrigues me how the mind works. But I ended up going into a trade school I went to in Alberta. It's the, it's called an innate northern Alberta Institute of Technology, and I became an x ray technologist, and I worked in that field for many years. Michael Hingson  10:22 Did you enjoy it? I loved it. I love that I Jennifer Shaw  10:25 didn't have to, you know, like, yes, you have to work in an environment where you got other people there, but you can still work independently and, and I loved that. And I love this. I've always been very much a science math geek, you know, things numbers. I have a propensity for numbers and and then science and math, just, you know, they were fun. Michael Hingson  10:45 Yeah, well, I agree, having a master's degree in physics and I have a secondary teaching credential, so I appreciate what you're saying. It's interesting. I would think also, as an x ray technician, although you had to give people instructions as to where to position themselves and all that. It wasn't something where you had to be very conversationally intensive, necessarily, Jennifer Shaw  11:07 yeah, and I mean, people didn't, you know, I didn't spend a lot of time with each patient, and I was able to mask a lot of my awkwardness and stuff and short short bursts, so nobody really noticed. And, you know, I had fun with the science part of it. And, yeah, it just it was never noticed. Although the social aspects, interacting with co workers and stuff, was bit difficult after, you know, outside of the actual tasks, that was interesting. Michael Hingson  11:38 I have a friend who just recently graduated from school learning to be an x ray technician. And I tease her all the time and tell her, you got to really be careful, though, because those x rays can slip out of your grasp if you're not careful, that you just never know when one's going to try to sneak away. So you better keep an eye on them and slap it when it does. Yeah, go catch them. I sent her an email last week saying, I just heard on the news an x ray escape from your hospital. What are you doing to catch it? They're fun, yeah, but, but you, but you did all of that, and then, so how long were you an x ray technician Jennifer Shaw  12:22 a little over 10 years I retired once my kids were born, Michael Hingson  12:27 okay, you had a more, well, a bigger and probably more important job to do that way, Jennifer Shaw  12:36 yes, and I mean, like at the time, we didn't know that both my boys would be, you Know, diagnosed on the spectrum, both of them have anxiety and ADHD, but I just, I was struggling with with work and being a mom, and it, in all honesty, it was going to cost me more for childcare than it was for me to just stay home. Michael Hingson  13:00 How did your so when they were diagnosed, what did your husband think Jennifer Shaw  13:04 my husband was? He says, okay, okay, I get it. Yeah, I can see those things and stuff like that. And I know when from my perspective, because both my boys went through the ADOS assessment, my thoughts were, those are the things you're looking for, because I've done those my whole life. And then, so, like, my oldest was diagnosed in like, June or July, and I received my diagnosis that September, and then my littlest guy was diagnosed the following year. Michael Hingson  13:29 You went through the assessment, and that's how you discovered it. Yep. So how old were you when they when they found it? Jennifer Shaw  13:35 Oh, I don't know if I want to give ages. I was just under 40. Okay. Michael Hingson  13:40 Well, the reason I asked was, as we talked a little bit about before we actually started the recording, I've had a number of people on the podcast who learned that they were on the spectrum. They were diagnosed later in life. I've talked to people who were 40 and even, I think, one or two above, but it just is fascinating to learn how many people actually were diagnosed later in life. And I know that part of it has to do with the fact that we've just gotten a lot smarter about autism and ADHD and so on, which which helps. So I think that that makes a lot of sense that you can understand why people were diagnosed later in life, and in every case, what people have said is that they're so relieved they have an answer they know, and it makes them feel so much better about themselves. Jennifer Shaw  14:36 Yeah, I know for myself, once I was diagnosed, I've never really kept it a secret. I've, you know, I I've given myself permission to ask questions if I'm confused, and then it opens up the doors for other people, like I will, I will tell them, like some things I don't understand, like I don't understand sarcasm. It's difficult. I can give it I don't understand when somebody is being sarcastic to me, and there's some idioms. And jokes that I that just they weigh over my head, so I'm giving myself permission to ask if I'm confused, because otherwise, how will I know? Michael Hingson  15:11 Yeah, it's it's pretty fascinating, and people deal with it in different ways. It's almost like being dyslexic, the same sort of concept you're dealing with, something where it's totally different and you may not even understand it at first, but so many people who realize they're dyslexic or have dyslexia, find ways to deal with it, and most people never even know, yeah, yeah. Jennifer Shaw  15:39 Well, I mean, I've like, not this year, but within the last couple years, I've been diagnosed with dyslexia as well. And then come to find out that my father had it as well, but he just never mentioned. It just never came up. Michael Hingson  15:51 Yeah, yeah. It's, it's pretty fascinating. But human the human psyche and the human body are very malleable, and we can get creative and deal with a lot of stuff, but I think the most important thing is that you figure out and you learn how to deal with it, and you don't make it something that is a negative in your life. It's the way you are. I've talked many times to people, and of course, it comes from me in part, from the being in the World Trade Center. Don't worry about the thing you can't control. And the fact is that autism is there, you're aware of it, and you deal with it, and maybe the day will come when we can learn to control it, but now at least you know what you're dealing with. And that's the big issue, yeah. Jennifer Shaw  16:39 And I think it like you hit it on the nail on the head, is like, the reason so many adults are being diagnosed is because we know more about it. I distinctly remember somebody asking me shortly after I was diagnosed, and they asked me specifically, oh, what's it like to be autistic? And I was like, I don't know. What's it like to not be. It's all I know. You tell me what it's like to not be, and I can tell you what it's like to be. Says it's not something you can really, yeah, people just can't experience it, I guess. Michael Hingson  17:08 Well, people ask me a lot, what's it like to be blind, and what is it like that you're just live in the dark? Well, I don't live in the dark, and that's something that is so unfortunate that we believe that eyesight is the only game in town, or most people do, and the reality is, blindness isn't about darkness. So I don't see, all right, the problem with most people is they do see, and that doesn't work for them. When suddenly the power goes out and you don't have lights anymore. Why do you distinguish one from the other? It's so unfortunate that we do that, but unfortunately, we collectively haven't taught ourselves to recognize that everyone has gifts, and we need to allow people to to manifest their gifts and not negate them and not demean the people just because they're different than us. Jennifer Shaw  17:56 Yeah, and I know I've had I've had people tell me it's like, oh well, you don't look autistic, and I'm like, I don't know what you would expect me to look like, but I've honestly tried really hard not to think of of the autism and the ADHD. I tried really hard not to look at it as a disability. In my own life, I've looked at it as it's just my brain is wired differently. Yeah, I've explained this to my boys. It's, you know, our minds are always open. We can't filter anything that's coming in. And it's like our computer, you know, our brain, if you imagine our brain as being a computer, we've got every possible tab open trying to perform a million different tasks. We've got music playing here, video playing here. We're trying to search for this file. We can't find anything. And then every now and then, it just becomes very overwhelming, and we get the swirly wheel of death and we have to restart, yeah, but we can multitask like nobody's business until then well, and Michael Hingson  18:45 the reality is, most people can learn to do it, although focusing on one thing at a time is always better anyway, but still, I hear what you're saying. My favorite story is a guy wanted to sell me life insurance when I was in college, and I knew at the time that people who were blind or had other disabilities couldn't buy life insurance because the insurance companies decided that we're a higher risk. It turns out that they weren't making that decision based on any real evidence or data. They just assumed it because that's the way the world was, and eventually that was dealt with by law. But this guy called up one day and he said, I want to sell you life insurance. Well, I thought I'd give him a shot at it, so I invited him over, and he came at three in the afternoon, and I didn't tell him in advance. I was blind, so I go to the door with my guide dog at the time Holland, and I opened the door, and he said, I'm looking for Mike Hinkson. And I said, I'm Mike hingson. You are. I'm Michael Hinkson. What can I do for you? Well, you didn't sound blind on the telephone. And I'm still wondering, what are the heck does that mean? Jennifer Shaw  19:52 Yeah, yeah, exactly. It's just, I think, you know, it's a lack of understanding. And. You know, the inability to put yourself in somebody else's shoes? Michael Hingson  20:03 Well, I think we have the ability, but we just don't, we don't learn how to use it. But you're right. It's all about education. And I think, personally, that all of us are teachers, or should be or can be. And so I choose not to take offense when somebody says you don't sound blind, or makes other kinds of comments. I i may push a little hard, but I can't be angry at them, because I know that it's all about ignorance, and they just don't know, and we as a society don't teach which we should do more of Jennifer Shaw  20:38 Yeah, I know that once I made, you know, like I posted on my, you know, with talk to my friends and stuff about the fact that I have autism and that I just, I'm learning about it myself as well. I've had a lot of people come to me and ask me, it's like, well, what, what? What did you notice? How did you find out? And I think I might be on the spectrum. And there's, you know, and it's amazing how many people came out of the woodwork with queries about, you know, questions. And I was like, This is awesome. I can answer questions and educate, yeah, Michael Hingson  21:09 well, and it's true, and the only way we can really learn and deal with some of the stuff is to have a conversation, and to have conversations with each other and be included in the conversation, and that's where it gets really comfortable, or uncomfortable is that people don't want to include you. Oh, I could end up like that person, or that person just clearly isn't, isn't as capable as I because they're blind or they have autism. Well, that's just not true, yeah, and it's, it's a challenge to deal with. Well, here's a question for you. What do you think is the biggest barrier that that people have or that they impose on themselves, and how do you move past it? Jennifer Shaw  21:52 I think that the biggest barrier that people pose on them, pose on themselves, is doubting whether or not they're worthwhile and and I know I did the lat I did that for many years and and, like I said, it wasn't until I received my diagnosis, I thought maybe, maybe, you know, I won't know unless I try. So I got out of my comfort zone, and I surpassed my doubt, and I tried, and then I come to find out that, okay, I should publish. And I've had some, you know, I've had a lot of fun doing that, and I've seen some success in that as well. Michael Hingson  22:24 One of my favorite quotes goes back to the original Star Wars movie Yoda, who said there is no try, do or do not. Don't try. I think that's absolutely true. Do it. That's why I also totally decided in the past to stop using the word failure, because failure is such an end all inappropriate thing. All right, so something didn't work out. The real question, and most of us don't learn to do it, although some of us are trying to teach them, but the biggest question is, why did this happen? What do I do about it? And we don't learn how to be introspective and analyze ourselves about that, I wrote a book that was published last year called Live like a guide dog, true stories from a blind man and his dogs about being brave, overcoming adversity and moving forward in faith, and it's all about teaching people from lessons I learned from my dogs about how to control fear and how to really step back when things happen and analyze what you do, what you fear, what you're about and how you deal with it. But there's no such thing as failure. It's just okay. This didn't work out right. Why? Why was I afraid? Or why am I afraid now? And what do I do about it? And we just don't see nearly as much analytical thinking on those kinds of subjects as we should. Jennifer Shaw  23:49 Yeah, wasn't there a quote somewhere? I can't remember who it was. I think was Edison, maybe, that he didn't fail 99 times. He found 99 times how not to do it right, and he just kept going and going and going until we got it right. Yeah. The other Michael Hingson  24:04 one I really like is the quote from Einstein that the definition of insanity is trying the same thing every time and expecting something different to happen. I think Jennifer Shaw  24:12 they said that at my graduation from high school, you'll get what you got, yeah, Michael Hingson  24:19 and you can decide to look for alternatives and look for ways to do it better, but, but it is, I think you're I don't know if it was Edison, but I'm going to assume it was who said that, but I think you're right, and it certainly makes a lot of Jennifer Shaw  24:35 sense, yes, yeah, and I've tried to live by embracing, because I've told this to my kids as well, and I've embraced the idea that, you know, we learn better from our mistakes than we do from the things we did right, Michael Hingson  24:49 although we could learn if we really thought about it, when we do something right and we go back and look at it and say, What could I have done to even make that better? And we usually don't do that well, that worked out well, so I don't have to worry about that. Well, exactly we should, you know, Jennifer Shaw  25:07 2020 looking back and saying, Well, what would we have done if this had happened? We just sort of stop. It's like when you're looking for your keys in your house. Once you find them, you stop looking. You don't keep looking for possible places it could have been. You just stop the journey. Michael Hingson  25:20 Or you don't look at why did I put them there? That's not where I usually put them. Speaker 1  25:26 Yeah, exactly, yeah. So when Michael Hingson  25:30 you discovered that you were on the spectrum, what did your husband think about Jennifer Shaw  25:34 that? He thought it made sense. Um, that Michael Hingson  25:37 explains a lot about you. Jennifer Shaw  25:38 Yeah, a little bit might be on the spectrum as well. He might be ADHD, because he has a lot of the same traits as me. But he says, yeah, it's kind of not worth going and getting it checked out and stuff like that so Michael Hingson  25:54 well, until he he wants to, then that probably makes sense. Jennifer Shaw  25:59 And there's no reason. There's no reason. Yeah, Michael Hingson  26:03 things go well, and that that's the big, important thing. But you look at at life, you look at what's going on, and you look at how you can change, what you need to change, and go forward Exactly. So tell me about your writing. You have, you have been writing a series. What did you do before the series? What was sort of the first things that you wrote that were published? Jennifer Shaw  26:26 That I wrote a short story for in a classroom assignment, my teacher published it. Wrote a couple poems. I had a teacher, a different teacher published those. But this, the series that I've written is kind of my first foray into publishing and stuff. And then just prior to that, it was just writing stories for myself, or writing scenes that came to to mind that I wanted to explore, and a lot of them had to do with characters overcoming adversity, because that's how I felt. That was what was going on in my life, Michael Hingson  26:57 and it was so what's the series about? Jennifer Shaw  27:03 So it's a magic, fantasy action adventure, some supernatural suspense kind of all sprinkled in for good measure, because I get bored of my series is there's our world, our time, coexisting magical realm, but there's a veil that separates us, and we can't see across this veil because we don't have magic. But these creatures that do can and have and they've been the source of inspiration for our fairy tales and Monster stories. And then my main character, a young man by the name of Callum Walker, is born with the ability to use magic. He doesn't know why. He's trying to make the most of it. We do learn why as we go through the series, but he doesn't know. And because he has magic, he's able to cross this veil into this magical realm. And he's learning about this world. He's learning about the beings in it. Adventures ensue, and we follow him through the series, trying to figure out as he's trying to figure out who he is, where he belongs, because he's too magic for here, but to human care and then master these abilities to survive. Michael Hingson  27:56 So has he figured out an answer to the question of why or where? Jennifer Shaw  28:00 Not yet. No answers as we go, but he's learning more. Mostly it's he's learning to accept himself and to start to trust and open up. And, you know, instead of thinking that there must be something wrong with him, and that's why he has these abilities, he starts to think, Okay, well, what can I do with these abilities and stuff? So in a lot of ways, his journey mirrors mine Michael Hingson  28:23 well, and he's asking questions, and as you ask questions, that's the most important thing you're willing to consider and explore, absolutely. So are these self published, or does a publisher publish them? Jennifer Shaw  28:40 I'm indie, published through press company called Maverick first press. Michael Hingson  28:44 Inc, have any of the books been converted to audio? Jennifer Shaw  28:48 Not yet, but I am looking into it. Michael Hingson  28:51 Some of us would like that I do read braille, and I could get a book in electronic form, and I can probably get it converted, but it'll be fun if you do get them into an audio format. I love magic and fantasy, and especially when it isn't too dark and too heavy. I've read Stephen King, but I've gotten away from reading a lot of Stephen King, just because I don't think I need things to be that dark. Although I am very impressed by what he does and how he comes up with these ideas, I'll never know. Jennifer Shaw  29:20 Yeah, I know. I don't think that it's as dark as Stephen King, but it's certainly a little darker and older than Harry Potter series. Michael Hingson  29:26 So, yeah, well, and and Harry Potter has been another one that has been certainly very good and has has encouraged a lot of kids to read. Yes and adults, Jennifer Shaw  29:42 yeah, we don't all have to be middle grade students to enjoy a middle 29:46 grade book, right? Michael Hingson  29:49 Oh, absolutely true. Well, so if you had to give one piece of advice or talk about experiences, to write. Writers who are trying to share, what would you what would you tell them? Jennifer Shaw  30:05 I would say that writing and publishing, it's a marathon. It's not a race. Don't expect immediate success. You have to work for it. But don't give up. You know? I mean, a lot of times we tend to give up too soon, when we don't see results and stuff. But if you give up, you'll never reach the finish line if you continue going, you may, you know, eventually you'll reach the finish line, and maybe not what you expect, but you will reach that finish line if you keep going. Michael Hingson  30:30 Yeah, we we are taught all too often to give up way too early. Well, it didn't work, so obviously it's not the right answer. Well, maybe it was the right answer. Most people aren't. JK Rowling, but at the same time, she went through a lot before she started getting her books published, but they're very creative. Yep, I would, I would still like to see a new series of Harry Potter books. Well, there is a guy who wrote James Potter his son, who's written a series, which is pretty good, but, you know, they're fun, yeah. Jennifer Shaw  31:07 Oh, I mean, that's why we like to read them. We like to imagine, we like to, you know, put ourselves in the shoes of, you know, the superhero. And I think that we all kind of, you know, feel a connection to those unlikely heroes that aren't perfect. And I think that appeals to a lot of people. Michael Hingson  31:27 I think it certainly does. I mean, that's clearly a lot of Harry Potter. He was certainly a kid who was different. Couldn't figure out why, and wasn't always well understood, but he worked at it, and that is something that we all can take a lesson to learn. Speaker 1  31:45 Exactly yes. So Michael Hingson  31:48 given everything that goes on with you, if the world feels overwhelming at some point, what kind of things do you do to ground yourself or or get calm again? Jennifer Shaw  31:59 Well, writing is my self care. It's my outlet. It's therapy. Aside from writing, I I'm getting back into reading because I'm going to book signing events and talks and such, and everybody's recommending, oh, read this book, read this book, and I'm finding some hidden gems out there. So I'm getting back into reading, and that seems to be very relaxing, but I do go. I do have to step away from a lot of people sometimes and just be by myself. And I'll, I'll put my headphones on, and I'll listen to my my track. I guess it's not track anymore. It was Spotify. And I'll just go for a walk for an hour, let my mind wander like a video and see where it leads me, and then come back an hour later, and my husband's like, Oh, where'd you walk? Because, like, I have no idea, but you should hear the adventures I had, yeah, Michael Hingson  32:44 both from what you read and what you thought Jennifer Shaw  32:45 about, yeah, just the things going through my head. What? And then the same thing when I'm writing, I see it as a movie in my head, and I'm just writing down what I see a lot of times, long for the ride. Michael Hingson  32:55 Yeah, your characters are writing it, and you're just there, Jennifer Shaw  32:58 yeah, you know. And when I'm when I'm in the zone. I call those the zone moments. And I won't know what's going to happen until it starts to happen. And I'm writing a sentence, oh, I didn't know that was gonna happen. I want to see where this goes. And it'll take me to somewhere where I'm like, wow, that's an amazing scene. How could I, how did I think of that? Or, on the contrary, it'll take me somewhere and I'll be like, What is wrong with me? I know that came out of my head, but what is wrong with me? So, you know, it's a double edged sword, Michael Hingson  33:26 but write them all down, because you never know where you can use them. Jennifer Shaw  33:29 Oh, absolutely. I don't delete anything. I can just wind and then start again, see where it leads. And it never goes to the same place twice. Michael Hingson  33:37 That's what makes it fun. It's an adventure. I don't know. I think there's an alien presence here somewhere. Jennifer Shaw  33:44 Who knows? Maybe I'm the next step in evolution. Could Michael Hingson  33:47 be or you come from somewhere else. And like I said, they put you down here to figure it out, and they'll come back and get you Jennifer Shaw  33:57 well, but never know. There's so many things we don't understand. You know, Michael Hingson  34:00 well, then that's true, but you know, all you can do is keep working at it and think about it. And you never know when you'll come up, come up with an answer well, or story or another story, right? So keep writing. So clearly, though, you exhibit a lot of resilience in a number of ways. Do you think resilience is something we're born with, or something that we learn, or both. Jennifer Shaw  34:25 I think it's a little of both. You know, maybe we have a stronger determination or willfulness when we're born, but it can also be a part of our environment. You know, we develop things that we want to do. We develop desires and dreams and stuff. And you know the combination of the two, the you know, the willful resolve and the desire to dream and be better. And I think those two combined will drive us towards our our goals. Michael Hingson  34:53 Now are your parents still with us? Yes. So what did they think when. You were diagnosed as being on the spectrum. Jennifer Shaw  35:03 Um, I think my dad was more open to the idea. I don't think my mom believed it, but then she's kind of, she's kind of saying, like, okay, maybe, maybe it's, oddly enough, she was, you know, more open to the idea of me having ADHD than autism. And I just think there was just a lack of understanding. But as time has gone on, I think she sees it, not just in me, but I think she sees aspects of that in herself as well. Michael Hingson  35:28 And in a sense, that's what I was wondering, was that they, they saw you grow up, and in some ways, they had to see what was going on. And I was wondering if, when you got an answer, if that was really something that helped them or that they understood? Jennifer Shaw  35:46 Yeah, I I think so. Although I did internalize a lot of of my understandings and misconceptions about life, I internalized it a lot, and I was the annoying cousins because I just, you know, said the appropriate things at inappropriate times and didn't catch jokes and didn't understand sarcasm and and I was just the oddball one out. But I think now that my mom understands a little bit more about autism and ADHD, she's seeing the signs Michael Hingson  36:13 well, and whether she understood it or not, she had to, certainly, as your mom, see that there was something going on. Well, I don't know my I'm whether she verbalized it or she just changed it out. Jennifer Shaw  36:28 I think she was just, she was working two full time jobs raising five kids on her own. I think that there just wasn't enough time in the day to notice everything. 36:37 Yeah, well, Michael Hingson  36:40 but it's always nice to really get an answer, and you you've accepted this as the answer, and hopefully they will, they will accept it as well. So that's a good thing. Jennifer Shaw  36:54 Whether or not they accept it is up to them. I'm that's their choice. Yeah, yeah. It's their choice. The most important thing is that I'm understanding it. Michael Hingson  37:04 Yeah, well, and then helps you move forward. Which is, which is a good thing? Yes. So do you think that vulnerability is part of resilience? Jennifer Shaw  37:18 I think it's important to understand where we're vulnerable. It's like accepting your weaknesses. We all want to improve. We don't want to stay weak and vulnerable, but the only way to improve is to accept those and to understand those and to identify those so that we know where to improve. So I think that it is important. Michael Hingson  37:38 I think it's crucial that we continue to work on our own ideas and attitudes and selves to be able to to move forward. And you're right. I think vulnerability is something that we all exhibit in one way or another, and when we do is that a bad thing? No, I don't think it should be. I think there are some people who think they're invulnerable to everything, and the reality is they're not Jennifer Shaw  38:09 those narcissists. Yeah, Michael Hingson  38:11 was getting there, but that's and that's exactly the problem. Is that they won't deal with issues at all. And so the fact of the matter is that they they cause a lot more difficulty for everyone. Yep, of course, they never think they do, but they do. Yeah. Jennifer Shaw  38:30 I mean, if you don't accept the fact that you're not perfect and that you have weaknesses and vulnerabilities, then you're just it turns into you're just either denying it or you're completely ignorant. How do you Michael Hingson  38:41 balance strength and softness? And because, you know when you're dealing with vulnerability and so on, and it happens, well, how do you, how do you bring all of it to balance? Jennifer Shaw  38:50 Um, it's the yin and yang, right? Um, you know, the strength keeps you going, the softness keeps you open to accepting and learning. Michael Hingson  38:59 Yeah, that makes sense. It gives you the opportunity to to go back and analyze and synthesize whatever you're thinking. Yes. Well, autism is, by the definitions that we face, considered a disability, which is fine, although my belief is that everybody on the planet has a disability, and for most people, as others have heard me say on this podcast, the disability that most people have is their light dependent, and they don't do well if suddenly the lights go out until they can find a smartphone or whatever, because the inventors, 147 years ago created the electric light bulb, which started us on a road of looking for ways to have light on demand whenever we wanted it and whenever we do want it, when that works, until suddenly the light on demand machine isn't directly available to us when light goes away. So I think that light on demand is a lovely thing, but the machines that provide it are. Only covering up a disability that most people have that they don't want to recognize. Jennifer Shaw  40:05 And I'd also argue that the more dependent we become on technology, that the harder it is to adjust to, you know, the way we used to live. If you go to the grocery store, everything's automated. And if the power goes out at the grocery store, nobody knows how to count out change now, yeah, Michael Hingson  40:22 they they cannot calculate on their own. I continue to work to be able to do that. So I like to to figure things out. People are always saying to me, How come you got the answers so quickly of how much change or how much to leave for a tip I practice, yeah, it's not magical. And the reality is, you don't always have a calculator, and a calculator is just one more thing to lug around. So why have it when you can just learn to do it yourself? Yeah? Jennifer Shaw  40:49 Or we have a cell phone which has got everything on it. Michael Hingson  40:52 Oh, I know, yeah, there is that too. But you know, the the thing about all of this is that we all have disabilities, is what I'm basically saying. But if you use disability in sort of the traditional sense, and by that I mean you have certain kinds of conditions that people call a disability, although I will submit absolutely that disability does not mean a lack of ability. But how do societal definitions of disability, kind of affect people more than the actual condition itself, whatever it is. Jennifer Shaw  41:26 I think society as a whole tend to focus on the negatives and the limitations, and if you focus solely on those, then nobody can see beyond those to what a person can do, because there's a whole, you know, there's a whole lot out there that people can do. You can, you can learn to adjust to a lot of things. The brain is very malleable. And, you know, we're not just given one sense for one reason. You know, we have five senses, well, arguably more, depending on who you talk to, yeah, to feel out the world. And same thing with autism is, you know, I mean, I had a hard time those things that would come naturally to people, like socializing, learning to speak, even my son at the playground, he didn't know how to approach kids to ask him to play and but those things can be learned. They just have to spend the time doing it well. Michael Hingson  42:19 And I hear you, do you think that autism is under the definition of disability? Jennifer Shaw  42:26 I think it can be very debilitating. I think that, you know, and then some people suffer more severe. They're more ranges than than I do mine, but I do think that the brain can learn to adjust a lot, maybe not the same as everybody else, and there will be struggles and there will be challenges, and there'll be anxieties and and things is it is, in a way, a disability. It'll never go away. But I don't think it has to be debilitating Michael Hingson  42:59 struggles and anxieties, but everyone experiences that in one way or another, and that's, of course, the point. Why should some of us be singled out? Jennifer Shaw  43:07 Yeah, exactly. Yeah. I do know, though, that with there's, I guess we call them an invisible disability, because I don't look autistic, I don't look ADHD, but I struggle inwardly. It's a lot more emotional. It's a lot more mental, you know, analyzing every conversation I've ever had. It's very exhausting and confusing, and it can lead to other things and stuff that, you know, I mean, I don't think everybody else goes around counting license plates obsessively, you know, adding up numbers on license plates and stuff. And if I don't, it can be very anxiety inducing. I don't think everybody else has to, you know, make notebooks worth of conversations to learn to talk to people and watch the world around them, to try to figure out how to act. I think for a lot of people, it comes naturally. And because I had to learn all those things on my own and stuff, it created a lot more anxiety than another person would have in that area, and life is already chaotic enough, you know, more anxiety on top of anxiety and such. Michael Hingson  44:11 Yeah, but some of that we create ourselves and don't need to. And again, it gets back to the fact we all have different gifts, and so some people are much more socially outgoing, so they can do so many more things that seem like everyone should be able to do them. But again, not everyone has the same gifts. Yeah, I think that we need to recognize that. Sorry, go ahead. I was gonna say, Jennifer Shaw  44:34 just like, not everybody has the same weaknesses, right? I learned. I think, you know, if we, if we learned to, you know, share the strengths that we have that might overcome somebody else's weaknesses and stuff. It would be a whole lot better place. Instead of trying to label everybody and segregate everybody based on their limitations, let's, let's look at their strengths and see which ones coordinate. Yeah. Michael Hingson  44:56 How does HD? ADHD manifest itself? Jennifer Shaw  45:00 Yeah, it's some, in a lot of ways, very similar to autism, and that's probably why it's now considered part of the autism spectrum. I have a difficult time focusing on things that I don't find intriguing, like, oh gosh, if I had to read a social studies textbook, I would go stark raving mad and fall asleep. And I've really hard time staying focused. Don't have to read the same paragraph 20 times, but you give me a textbook on physics, and I'm right in there, and I'll hyper focus for like, 12 straight hours, forgetting the world exists and don't eat, don't sleep, don't move, and I will just immerse myself in that. And then there's a difficult time regulating emotions so somebody gets upset about something for the most part. You know, you can calm yourself down and stuff like that. With autism and ADHD, it's really hard to regulate those emotions and come down from that hyper, hyper emotional state down to a normal state. Michael Hingson  46:00 I can see that in a lot of ways, it can look very similar to to autism in terms of the way you're describing it. It makes, makes sense, yeah, which? Which is something one has to deal with. Well, if people stop trying to fix what makes us different? What could we do with the world? How would things be different? Jennifer Shaw  46:22 I think the world be very interesting if we stopped trying to fix people and just started trying to accept people and see how, you know, like, I think that for one we would also be a lot more open to accepting people, but that would have to come first. And I think that would be amazing, because, you know, if we were all the same and we all tried to fit into the same mold, it's going to be a very boring place. Michael Hingson  46:46 The thing that is interesting about what you just said, and the question really is, when we try to fix things, why do we need to fix things? What is it that's really broken? And that's of course, the big issue is that people make assumptions based on just their own experiences, rather than looking at other people and looking at their experiences. Is that really broken? As it goes back to like when I talk about blindness, yeah, am I broken? I don't think so. I do things differently. If I had been able to see growing up, that would have been nice. But you know what? It's not the end of the world not to and it doesn't make me less of a person, and you happen to be on the autism spectrum, that's fine. It would be nice if you didn't have to deal with that, and you could function and deal with things the way most people do. But there are probably advantages, and there's certainly reasons why you are the way you are, why I am the way I am. And so why should that be a bad thing? Jennifer Shaw  47:48 I don't think it is. I mean, other than the fact that I would love to be, you know, not have to suffer with the stress and anxieties that I do, and the insecurities and the doubt and trying to figure out this world and where I belong and stuff, I wouldn't. I like the way my brain works. I like the way I think, you know, very What if, very out of the box, very creative mindsets. And I wouldn't change that for the world. Michael Hingson  48:15 Yeah, and I think people really should be accepted the way they are. Certainly there are people who we classify as geniuses because they do something that we didn't think of, and it catches on, and it's creative. Einstein did it. I mean, for that matter, there's something that that Elon Musk has done that has created this vehicle that no one else created successfully before him. Now I'm not sure that he's the greatest business guy, because I hear that Tesla is not the most profitable company in the world, but that's fine. Or Steve Jobs and Bill Gates created things. Did they do it all? Jennifer Shaw  48:56 Sorry, Sebastian Bach too. Yeah. I mean those prodigies, right? Michael Hingson  49:01 And they didn't do they didn't do everything. I understand that Einstein wasn't the greatest mathematician in the world, but he was great at concepts, and he had other people who who helped with some of the math that he didn't do, but, but the reality is, we all have gifts, and we should be able to use those gifts, and other people should appreciate them and be able to add on to what they do. One thing I always told employees when I hired people, is my job isn't to boss you around because I hired you because you demonstrated enough that you can do the job I want you to do, but my job is not to boss you, but rather to use my skills to help enhance what you do. So what we need to do is to work together to figure out how I can help you be better because of the gifts that I bring that you don't have. Some people got that, and some people didn't. Jennifer Shaw  49:50 Some people are just, they're less, you know, open minded. I think I don't know, like, less accepting of other people and less accepting of differences. And it's unfortunate. Passionate, you know, and that creates a lot of problems that, you know, they can't look beyond differences and to see the beauty behind it. Michael Hingson  50:11 Yeah, and, and the fact of the matter is that, again, we were all on the earth in one way or another, and at some point we're going to have to learn to accept that we're all part of the same world, and working together is a better way to do it. Yeah, absolutely. How do we get there? Jennifer Shaw  50:28 Yeah, I don't know. Maybe idealistic, you know, Star Trek society, or utopian society, you know. And maybe in 100 or 200 years, we'll get there. But if you think about 100 years ago, if you look at us 100 years ago, and then you think of all the technology that we have today, and that's in, like, one century is not a long time, given how long people have been on this planet. And look at all the things we've accomplished, technology wise, and look at all the great things that we have done, you know, and it's just imagine how many more, or how much, how much more we could do if we work together instead of working against each other. Michael Hingson  51:06 Yeah, and that's of course, the issue is that we haven't learned yet to necessarily work together. To some, for some people, that gets back to narcissism, right? They, they're, they're the only ones who know anything. What do you do? But yeah, I hear you, but, but, you know, I think the day is going to come when we're going to truly learn and understand that we're all in this together, and we really need to learn to work together, otherwise it's going to be a real, serious issue. Hopefully that happens sooner than later, Jennifer Shaw  51:39 yes, yeah, I don't think so, but it would be a nice to imagine what it would be like if it happened tomorrow. Michael Hingson  51:47 Yeah, how much potential do you think is lost, not because of limitations, but, but rather because of how we define them? Jennifer Shaw  51:58 I think we use limitations to set our boundaries, but by setting boundaries, we can never see ourselves moving past them, and nor do we try so. I think that setting limitations is hugely detrimental to our growth as as you know, creative minds. Michael Hingson  52:18 I think also though limitations are what we often put on other people, and oftentimes out of fear because somebody is different than us, and we create limitations that that aren't realistic, although we try to pigeonhole people. But the reality is that limitations are are are also representations of our fears and our misconceptions about other people, and it's the whole thing of, don't confuse me with the facts. Jennifer Shaw  52:51 Yes, yeah. And you know there's Yeah, like you said, there's these self limitations, but there's also limitations that we place on other people because we've judged them based on our understanding. Michael Hingson  53:03 Yeah, and we shouldn't do that, because we probably don't really know them very well anyway, but I but I do think that we all define ourselves, and we each define who we are, and that gets back to the whole thing of, don't judge somebody by what they look like or or what you think about them. Judge people by their actions, and give people the opportunity to really work on showing you what they can do. Jennifer Shaw  53:36 Absolutely, that's definitely a motto by which I've tried to live my life. I honestly don't know everybody out there. I mean, I don't think anybody does. And unless somebody gives me a reason or their behavior says otherwise, I'm going to assume that they're, you know, a good person, you know. I mean, if they, you know, if I assume this person is a good person, but maybe they smack me across face or take, you know, steal from me and stuff, then I'm going to judge those behaviors. Michael Hingson  54:02 One of the things that I learned, and we talked about in my book live like a guide dog, is dogs, and I do believe this love unconditionally, unless something really hurts them, so that they just stop loving. But dogs love unconditionally, but they don't trust unconditionally. But the difference between dogs and people is again, unless something truly has been traumatic for a dog. Dogs are more open to trust than we are. They don't worry about, well, what's this guy's hidden agenda, or why is this woman the way she is? The fact is that they're open to trust and they're looking to develop trusting relationships, and they also want us to set the rules. They want us to be the pack leaders. I'm sure there are some dogs that that probably are better than the people they're with, but by and large, the dog wants the person to be the pack leader. They want them to tell the dog, what are the rules? So. Every guide dog I've had, it's all about setting boundaries, setting rules, and working with that dog so that we each know what our responsibilities to the relationship are. And I think absolutely dogs can get that just as much as people do. They're looking for us to set the rules, but they want that, and the fact of the matter is that they get it just as much as we do. And if that relationship really develops, the kind of trust that's possible, that's a bond that's second to none, and we should all honor that we could do that with with each other too. Yeah, there are people who have hidden agendas and people that we can learn not to trust because they don't want to earn our trust either. They're in it for themselves. But I don't think that most people are that way. I think that most people really do want to develop relationships. Jennifer Shaw  55:51 Yeah, and another aspect of dogs too, is they're very humble, you know, they they don't, I mean, they probably do have some, you know, some egos, but for the most part, they're very humble, and they don't dwell on the mistakes of their past. They live in the moment. And I love Yeah, no, go ahead. They do absolutely they do Michael Hingson  56:14 one of the things that I learned after September 11, because my contacted the folks at Guide Dogs for the Blind about it, my diet, my guide dog was Roselle, and I said, Do you think this affected her, the whole relationship? And the veterinarian I spoke with, who was the head of veterinary services, the guide dogs asked, did anything directly threaten her? And I said, no, nothing did. He said, Well, there's your answer. The fact is, dogs don't do what if they don't worry about what might have been or even what happened if it didn't affect them? They they do live in the moment when we got home after the events on September 11, I took roselle's harness off and was going to take her outside. She would have none of it. She ran off, grabbed her favorite tug bone and started playing tug of war with our retired guy dog, Lenny. It was over for her. It was done. Jennifer Shaw  57:06 It's finished, the journey's done, and I'm living in this moment now, yeah, Michael Hingson  57:10 different moment. I'm not going to worry about it, and you shouldn't either, which was the lesson to learn from that. Yes, but the reality is that dogs don't do what. If dogs really want to just do what they need to do. They know the rules, like I said. They want to know what you expect, and they will deal with that. And by and large, once you set rules, dogs will live by those rules. And if they don't, you tell them that you didn't do that the right way. You don't do that in a mean way. There are very strong ways of positively telling a dog, yeah, that's not what the right thing was to do. But by the same token, typica

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Episode 267-Vote for Gun Lawyer Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode 267 Transcript SUMMARY KEYWORDS Gun Lawyer, podcast of the year, Gundies awards, Second Amendment, New Jersey gun laws, assault firearms, registration, inheritance, gun rights, Supreme Court, firearms instructor, tactical rabbi, gun rights oppression, voting prizes, gun lawyer nomination. SPEAKERS Evan Nappen, Speaker 2, Teddy Nappen Evan Nappen 00:16 I’m Evan Nappen. Teddy Nappen 00:17 And I’m Teddy Nappen. Evan Nappen 00:19 And welcome to Gun Lawyer. Well, folks, I’m proud to say that Gun Lawyer has been nominated for Podcast of the Year by The Gundies. And The Gundies, it’s a really cool awards program in which they look to honor various voices and those who are influencers and writers regarding our precious Second Amendment rights. This is an honor, and I’m very proud to be nominated. And what I’m doing now is I am shamelessly asking for your vote, because with The Gundies, it’s you who vote. If you go to thegundies.com, www.TheGundies.com, thegundies.com, you’ll see there are 19 different categories for different things — influencer, writer, all kinds of stuff. And on there is Podcast of the Year. Please go there and vote for Gun Lawyer for Podcast of the Year. Evan Nappen 01:42 And by doing that, not only will you help promote the show, but because we focus on these horrible problems, particularly with a centered focus on New Jersey, because New Jersey is just where the brunt of the Second Amendment oppression takes place. This will help bring greater awareness nationally to our cause, to our fight against gun rights oppression. So, we can win Podcast of the Year nationally and more people will pay attention to New Jersey and what Gun Lawyer has to say. And if you vote, you can actually win prizes. They give prizes to folks, you know, randomly, who vote. Voting closes December 15. Okay? You can vote one vote per category every day. So, vote for Gun Lawyer every day. Okay? You can do it once a day. Evan Nappen 02:47 If you vote in all 19 categories, if you pick in all 19 categories, and it’s all free, by the way, and if you watch a video at the bottom of the page, you earn an extra vote for every category that day. There are prizes. Every time you vote, you’re automatically entered to win. And the grand prize is an all expense paid trip to The Gundy Awards, which takes place in Las Vegas. And in each category, there are Page – 1 – of 11 sponsors that have prizes. So, this is exciting and fun, and, you know, it would mean something to me and Teddy, if you would be so kind as to jump on thegundies.com and vote for Gun Lawyer. Evan Nappen 03:31 I would also highly recommend our good friend, John Petrolino, for top 2A writer. You know, John is just great, and man, does he cover New Jersey and so many other things as well. He’s such an in-depth great reporter, and he’s brought so many of these great issues to the forefront. You know, we’ve talked about a lot of the great work that John has done. So, give John a vote in the top 2A writer category. And, of course, our good friends at WeShoot, they were also put out there for Firearms Instructor of the Year. And I would ask you to consider the Tactical Rabbi, that’s right, Tactical Rabbi for Firearms Instructor of the Year, and Bul Armory for the Most Innovative Brand of the Year. So, there’s four of the categories with some suggestions. And so, if you’re inclined to do so, please jump on this. We have till December 15, and hopefully this will be successful. It will be a lot of fun for you, and maybe you’ll even win some prizes by doing it. Teddy Nappen 04:49 I will also say to everyone voting for us, for Gun Lawyer, it is critical, because we need to give national awareness. I don’t think people outside of New Jersey realize the damage that the Gun Owner Gulag has created, and New Jersey is the petri dish. This is where they test all their crazy nonsense. Evan Nappen 05:13 New Jersey is a gun owners hell. Teddy Nappen 05:14 Correct. Evan Nappen 05:15 New Jersey is a gun owners hell. I wish The Gundy’s had an award for, you know, worst state. You know, greatest gun owner hell. New Jersey would win that every year. Teddy Nappen 05:26 Anti-gunner of the year. Anti-gunner. Evan Nappen 05:28 No. Gun rights oppressionists award. The Top Gun Rights oppressionist state. It is crazy, but this is actually a positive award. So, they look to get the voices and the folks out there that are all going to bat for our rights. And everybody who’s nominated, I want to congratulate all the nominees across the board. They’re all out there, spreading the word, fighting the lame-stream media, and trying to get past the agenda that the anti-gunners try to control and their lies that they put out to get us disenfranchised of our rights. It really is a battle that we’re in, and this is yet another tool in that battle. So, go to TheGundies.com and give us your vote. Make your voice heard. Page – 2 – of 11 Evan Nappen 06:23 Say, you know, one of the things I wanted to talk about, and it’s something that comes up a lot. And every once in a while, I think it really pays to do this. I want to talk about the so-called intrinsically evil “assault firearms”. That’s right, you know, New Jersey has had a ban on so-called “assault firearms”, and that in its current form, it was enacted back in May of 1990 and became effective in 1991. During that one year period of time, they allowed you to render inoperable your so-called “assault firearms”, but if you did that, you had to file a Certificate of Inoperability. If you just rendered them inoperable and didn’t file the paperwork, it’s no good. It’s the same as having an actual “assault firearm”. They did allow registration of a handful of guns, which they called registration, where you could keep them. This included the AR-15 and the M1A and the M1 Carbine, but you had to pay $50 and register it. If you actually have a registered assault firearm, it allowed you to keep so-called large capacity magazines with that gun, as long as you use that gun in competition in the DCM (Director of Civilian Marksmanship), which no longer exists, by the way. It’s now the CMP (Civilian Marksmanship Program). Evan Nappen 07:55 Now, very few did that. But, of course, if you did register one of those guns, I want you to be aware of something. If back in 1990 to 91 you registered an “assault firearm”, registered “assault firearms” in New Jersey are not inheritable. Firearms normally are inheritable in New Jersey, and they pass to your heirs without any paper registration or license. But registered “assault firearms” are not inheritable. So, if you have a registered “assault firearm” and you don’t want to just lose it to the State, you may want to think about disposing of it sooner rather than later. So that it is something that is just not a loss to the estate. Now, if you have an unregistered “assault firearm”, well that is inheritable. Believe it or not, only registered assault firearms are not inheritable. Evan Nappen 08:18 Of course, you may say, well, how can a unregistered “assault firearm” be legal for inheritance? Well, first of all, if you rendered it inoperable, that’s not registration. So, those guns are inheritable. And if you stored your “assault firearm” outside of New Jersey and didn’t register it, then it can be inherited by your heirs. Now, they can’t bring it into New Jersey either, but they can, in fact, inherit it. So, it’s only registered “assault firearms” that are not inheritable. The “assault firearm” law is just full of quirky, bizarre garbage like this. And it is insanity. As far as a law being written, its one of the worst-written criminal laws ever written. Absolutely. It is essentially beyond complete comprehension. Evan Nappen 09:51 It is a very complicated and often contradictory, five-part definition of what is supposedly an “assault firearm”. And the reason it’s so complicated is that they really can’t be defined, because “assault firearm” is just a pejorative term. The original assault rifle, if you will, the assault rifle, you know, is the German Sturmgewehr. And that assault rifle was full automatic fire and semi auto. So, it was a select- fire weapon. So, assault firearms are not assault rifles and assault weapons, which you may have heard that term assault weapon, is what the Federal law at one point banned back in 1994. But that law went away in 2004, and it hasn’t come back. So, the Federal assault weapon ban has been DOA since 2004. New Jersey still has an assault firearm law, and neither of those are assault rifles, of which the traditional classic Sturmgeweher, a medium caliber firearm that would be select fire. Page – 3 – of 11 Evan Nappen 11:09 So, what New Jersey did was contrive this definition with this complicated five parts. The first part is a laundry list of about 67 named guns. Now, of these named guns, some of them I’ve never even encountered in the wild. Okay? I’ve never even seen some of these that are on this list, and some, I think, are just made up. Maybe they like read it on the internet somewhere and thought it qualified as an “assault firearm”. But if your gun is a named gun on the list, then it becomes banned by name. Then if it’s not on the list or it’s not exactly as named on the list, then the other part of the law identified any firearm manufactured under any designation which is substantially identical to any of the firearms on the list. Evan Nappen 12:07 So, the question became, well, what does “substantially identical” mean? I mean, even think about those two words for a minute – substantially identical. Well, identical means exact. Substantial means almost. How could something be almost exact? It’s like being a little bit pregnant. I mean, you are or you’re not. I mean, this is ridiculous. You now have to guess, when this law came out, is my gun substantially identical to a gun on the list? What does that even mean? I brought a challenge to that. It was in the case of State v. Merrill, and I won. It was on an MAK 90, where the judge tossed the assault farm law in the trial court. It was Judge Farren in Monmouth County in State v. Merrill. He tossed the law as being unconstitutional, not because of the Second Amendment, but tossed it because of being vague, unconstitutionally vague. A person could not understand from the law what’s banned. In order for a law to be valid criminally, you have to understand how to conform your behavior, and under this law, you couldn’t. Because no one could tell what “substantially identical” meant. Evan Nappen 13:13 Then along came a Federal lawsuit, after I won it in State court, trying to knock out the law. And in that case, the Attorney General named in the lawsuit filed the Attorney General Guidelines to save the law by defining what “substantially identical” meant in that part of the definition. He defined substantially identical as the 1994 Federal Crime Bill definition of a assault firearm that was feature specific, even though New Jersey didn’t have a feature specific ban. The ’94 Crime Bill is what became essentially New Jersey’s list of compliant guns or not, and that is what we’re still using to this day. Those guidelines from the Attorney General. So, when you talk about whether a gun is compliant or not, and you go to those guidelines, that’s where the substantially identical comes in. Evan Nappen 14:16 So, when you look at the list of guns, it says on there Colt AR-15 and CAR-15. And let’s say you have a Bush Master, you know, XM 15, or you have Davis, or whatever. It doesn’t matter is, but it’s like an AR- type platform. Is it substantially identical or not to this? How do we know? Well, that’s where the Attorney General Guidelines came in to save what was otherwise an unconstitutional law, which itself is questionable whether this. But the court upheld it based on this. Even though the question is, how did our legislators in 1990 know that their unconstitutional law that had a vague definition would be saved by a Federal bill passed in 1994, four years later? That’s pretty amazing. Their crystal ball there to know that, isn’t it? But somehow, that’s been what we’ve been living under. Page – 4 – of 11 Evan Nappen 15:12 Under the guidelines of the Attorney General, substantially identical gets defined as any semi-automatic rifle that has the ability to accept a detachable magazine and has at least two of the following features. You have to have two. And that would be a folding or telescoping stock, a pistol grip that protrudes conspicuously beneath the action of the weapon, a bayonet mount, a flash suppressor or threaded barrel designed to accommodate a flash suppressor and a grenade launcher. Now, I know a lot of you, you know, go out grenade launching on the weekend. So, beware of that one in there. If you look at these features that make a gun substantially identical or not, I mean, a bayonet mount? What the hell does a bayonet mount have to do at all with any of this? I mean, was it because of all the drive by bayonetings? It’s, it’s nuts, but this is what we live under. But the reason we have those guidelines is not because you find them in the law. You find those guidelines, saving the law’s ass, if you will, by defining the term “substantially identical” that I had gotten knocked out as unconstitutional in that State v. Merrill case. Evan Nappen 16:25 Additional definitions for assault firearm include a semi-automatic shotgun with either a magazine capacity exceeding six rounds, a pistol grip or folding stock. So, if you have a semi-automatic shotgun and it holds over six rounds. And let me just tell you, this is a great example of just how stupid the Attorney General Guidelines are. Because the Attorney General Guidelines, incorporating the Federal ’94 bill says about shotguns that it can’t exceed five rounds. Well, that’s crap. Completely wrong. New Jersey law says it can hold six. Can’t be over six. The guidelines say five but that’s because they didn’t know what they were doing when they passed the guidelines. It contradicts New Jersey’s law, okay? But with shotguns that are semi-automatic, all it takes is one feature. It’s not two. So, if you have a semi-automatic shotgun with a pistol grip, it’s an assault firearm. If you have a semi-automatic shotgun with a folding stock, it’s an assault firearm. If you have a semi-automatic shotgun that holds over six rounds, then it’s an assault firearm. Okay? It’s a one-feature deal on shotguns. Evan Nappen 17:38 Now, if you have a pump action shotgun, if you have a wonderful Mossberg 590 or a tactical Remington 870 or any other pump shotgun, you can have any damn feature you want on it. You can have a bayonet mount. You can have folding stock. You can have a magazine capacity of a tube that holds nine rounds. No problem. You can have a shroud on it. You can whatever you want on a pump shotgun. No problem. Pumps are not covered by this at all. So, trick out your pump shotgun to your heart’s desire, but be very careful when it comes to your semi-automatic shotgun. Evan Nappen 18:24 It also prohibited, under another section, a semi-automatic rifle with a fixed magazine capacity exceeding 10 rounds. However, the original definition in 1990 set a semi-automatic firearm with a fixed magazine capacity exceeding 15 rounds, and this included tube-fed .22s, your classic Marlin Model 60, and you know your Remingtons and Winchesters that were semi-auto and held over 15 rounds in the mag tube. But what happened was they became a laughing stock, New Jersey, over their ban on .22s, and it became detrimental to them trying to oppress our rights so badly that they actually amended New Jersey’s assault firearm law to exclude tube-fed .22s. So, if you now have a semi-automatic .22 rifle that has a fixed tubular magazine and holds over 10 rounds, it is not an assault firearm. It’s legal. Your Page – 5 – of 11 tube-fed, semi-auto .22 can hold as many rounds as the tube wishes, and is possible to hold. Not a problem. So, that’s how that works. Evan Nappen 19:45 And then finally, they throw in this ridiculous part or combination of parts designed or intended to convert a firearm into an assault firearm. Don’t you love when the definition uses its own words to define itself? Say, that isn’t vague or confusing, is it? Or any combination of parts in which an assault fire may be readily assembled if all those parts are in the possession or under control of the same person. So, you have that catch all of parts nonsense as well. So that is New Jersey’s assault firearm definition. Evan Nappen 20:18 Possession of an assault farm is extremely serious in New Jersey. It’s a crime of the second degree. It carries up to 10 years in State Prison, and it has a minimum mandatory of three and a half years, no chance of parole. If you get convicted of possession of an assault firearm, you’re looking at the judge’s hands being tied, and you will have to do a minimum of three and a half years with no parole in State Prison. Additionally, if you’re charged with assault firearm, you will be thrown in the Gulag, and there’s a presumption against you getting bail if you’re charged, not even convicted, just charged with possession of an assault firearm. New Jersey has lost its mind when it comes to this and so many other gun laws, but it’s always worth a review. I want to make it clear to my listeners just how bad it is, so that you don’t end up a GOFU on New Jersey’s idiotic assault firearm ban. Evan Nappen 21:20 Hey, let me mention our good friends at WeShoot. Of course, WeShoot is the range where Teddy and I shoot. They have great training and a beautiful range, right there in Lakewood, New Jersey, centrally located. They’re a great resource. You can get your CCARE certificate there so you can get your carry, ad you can get all kinds of training. They offer other training for a carry license from other states. They can offer you advanced training, great range, so you can hone your skills and stay on target. WeShoot. You go to weshootusa.com. Beautiful photographs. They’ve got the WeShoot girls there posing with great guns. You’ll love looking at that. And you can check out their pro shop where they have great deals. Great gear, great guns, and great folks at WeShoot, weshootusa.com. It’s a great place. We love it, and I know you will, too. Evan Nappen 22:21 Aso in this battle, this entire time, it’s been the Association of New Jersey Rifle & Pistol Clubs (ANJRPC). The Association of New Jersey Rifle & Pistol Clubs are in the courts right now battling the assault firearm law. I’m feeling more and more hopeful, folks that we’re going to see the Supreme Court take up assault firearms and large capacity magazine cases. New Jersey’s fighting it out. It may, in fact, be the New Jersey case that the Supreme Court hears down the road, maybe others. They’re proceeding pretty rapidly to the Supreme Court. We’re getting mixed decisions in the different jurisdictions, which also leads to the Supreme Court wanting to take the cases. It is really important that we finally get a case from the Supreme Court where they look at items that get banned. Page – 6 – of 11 Evan Nappen 23:11 The Supreme Court does have two cases this session that they’ve picked looking at the “sensitive places”, which is really important, because that will help fight New Jersey’s Carry Killer bill. It goes at one of the laws that New Jersey, in fact, has regarding property, private property, and whether or not it can be banned. They’re also looking at whether marijuana can be a disqualifier or not, whether that’s a lawful disqualifier that can take away your Second Amendment rights. They may finally eliminate Bang or Bong. You can’t have both. So, these cases will be very interesting, and they also can have much more far reaching consequences and help us in our battle to fight the gun rights oppression. So, these are things to look forward to. And your State Association, the Association of New Jersey Rifle & Pistol Clubs, is there fighting these issues out and filing amicus briefs in other cases, and also in the legislature with our paid lobbyists full time. Keeping an eye on the shenanigans going on down there. So, make sure you join the Association so you can stay updated and you can take action as you get those email alerts. It’s very important. So, join anjrpc.org today. Evan Nappen 24:36 And let me also mention my book, New Jersey Gun Law. It’s the Bible of Jersey gun law. It’ll help you stay legal in New Jersey and not fall into these traps and these things that we talk about, like the whole understanding of assault firearms. If you’re confused by what I said, you can read it slowly, carefully in my book, under the chapter assault farms. I put it in question and answer so anyone can understand it. I want you to understand it. I want my fellow gun owners not to be turned into criminals and to lose their gun rights. It’s why I wrote the book. So, get your copy today. Go to EvanNappen.com, EvanNappen.com, and get my book, New Jersey Gun Law. It makes a great holiday gift. Check it out, the 25th Anniversary Edition. And when you get the book, scan the front cover, the QR code right there, and you will get our link right to my archive, where you can download the 2025 Comprehensive Update. Of course, I’ll be doing updates for the new year, and you’ll want to get them. You’ll get notified of that and any other crazy changes that take place in New Jersey. We have to be eternally vigilant. Teddy, what do you have for us this week? Teddy Nappen 25:53 Well, as you know, Press Checks are always free. And this is something that you know when you see it, you have to think, what would the Left do if they had unfettered power? If they, you know, added more states and packed the court and made every illegal a voter? If they had unfettered power, what does that lead to? Well, I was flipping through Bearing Arms, and sure enough, a British man was arrested for a picture of himself posing with a shotgun. This is an article by Tom Knighton. (https://bearingarms.com/tomknighton/2025/12/01/british-man-arrested-for-picture-of-him-shooting- shotgun-n1230765) Evan Nappen 26:34 He was posing with the shotgun. Where? Teddy Nappen 26:37 Correct. In the United States! Yeah, of course, they got arrest the man for posing with something that’s across the entire continent. The British IT consultant was arrested after posting a photograph of himself holding a gun during the holidays in the United States. The case drew sharp criticism from Elon Musk Page – 7 – of 11 everybody as West Yorkshire. He was shocked after police visited then detained him over the image, which he says was taken legally on private property in Florida. Evan Nappen 27:05 Wait, there’s guns in Florida? Teddy Nappen 27:16 I know – shocker. The West Yorkshire Police later visited his home and advised him to be careful about what he posts online. Evan Nappen 27:27 What’s all this, then? What’s all this then? Teddy Nappen 27:33 Right! Yeah, and the officers did not ask to see any proof that he had taken the photograph in the U.S. as they then returned to his home at 10 pm and promptly arrested him. The bail documents referred showed there were allegations of possessing a firearm with a cause, with intent to cause fear of violence, as well as separate allegations of stalking linked to another photo. Evan Nappen 28:04 Are you sure this wasn’t a Monty Python episode? I mean, it’s unbelievable. Teddy Nappen 28:09 Yeah, and he was held overnight before being interviewed. So, they locked him up and said, all right, we’re gonna get you in the morning. Evan Nappen 28:17 They jailed him over it even. Good grief. Teddy Nappen 28:19 They dropped the charges. But then said, you better not lead any more incitement as you posted a photo. Evan Nappen 28:25 Oh, God, you can’t. Teddy Nappen 28:28 You can’t get any more Orwellian than that. Being arrested over a photograph. Not even possession of firearms, because they can’t do that in England. A photograph. Evan Nappen 28:41 Well, you know, I had a case similar, Teddy. Not quite that, but close, you know. When I had a case with a guy whose son had passed the New Jersey Hunter and was a New Jersey Hunter. He was posing with his gun. He just had a picture with his firearm. Nothing bad. No threats, nothing. And they Page – 8 – of 11 went and tried to cause a huge problem for him and his family. It was outrageous over just a picture of his son legally with a gun. And that was New Jersey. Now, luckily, he didn’t get arrested and criminally charged and thrown in jail. But still, you know, these things can happen even in New Jersey, and it’s getting worse and worse. So, we have to be very vigilant of this. And it shows you. I mean, the U.K. is just the, I would call them, the formerly Great Britain. Formerly Great Britain. Teddy Nappen 29:47 I just call it hell. Because what they are looking to do now, I just. I like to highlight these stories that have come up in the past, because unfortunately, the Left are very good at memory holing the utter insanity they pull. For instance, in the U.K., and this is from The Mirror by Kelly-Anne Mills. (https://www.mirror.co.uk/news/uk-news/autistic-girl-who-told-cop-30673891) Remember the autistic girl who got arrested for using “homophobic language” for calling the cop, oh, you’re my lesbian Nana. They dragged her to the police and promptly arrested her. Arresting an autistic girl, 16 years old, for saying she looks like my lesbian Nana, who she did have. Evan Nappen 30:34 She didn’t say it in a bad way. Teddy Nappen 30:36 No, she just said you look like my Nana. Evan Nappen 30:40 Yeah. Teddy Nappen 30:41 And it showed her being dragged out, which, or if you they go into like, for autistic people, can’t, they freak out if you even touch them. But the dragging her through in the massive footage, which, it’s just such an embarrassment. By the way, it was the West Yorkshire Police. I’m noticing a pattern being the Orwellian thought crime police. They outdid themselves with this one, which this came up recently. Do you remember that woman who was arrested for silent prayer? Evan Nappen 31:11 Oh, a thought crime. Thought crime, that’s good. Yeah, great. Teddy Nappen 31:15 Yeah, well, finally it came due where the West Midland Police were forced to pay 13,000 pounds to the woman for falsely arresting her. Teddy Nappen 31:27 For silently praying outside an abortion clinic. But take this as you will. She was still arrested for thought crime. This is coming right from the ADF International U.K. Utter insanity. (https://adfinternational.org/en-gb/news/silent-prayer-arrest-payout) And when I look at this, I see this is what the Left wants. They want you and I, Dad, to be dragged out and arrested for our speech, Page – 9 – of 11 because that’s the only way they can win. They can’t win in the battlegrounds of ideology. Showed that by them killing Charlie Kirk. Now they want to go for arresting you for your ideas. That is their goal. Evan Nappen 31:27 Good. Evan Nappen 32:03 We couldn’t do the Gun Lawyer show in the U.K. We’d be raided, jailed, and forget it. Yeah. I mean, you know, we still have a First Amendment here, and we love the entire Constitution, not just the Second Amendment. But we’re facing oppression of all our Constitutional rights, but at least we still have them. It’s really sad about how the formerly Great Britain has been just turned into a laughing stock and a place that I wouldn’t even want to step foot in. I mean, at one point I would have loved to have gone there. But nope, not anymore, man. Not a chance. They are just nuts, and their suppression of so many rights and what they’ve let happen to their country is just sad, very sad. Evan Nappen 32:57 Hey, let me tell you about this week’s GOFU. This week’s GOFU is an important GOFU because we have the holidays coming up. And, you know, we all, I’m sure, love to watch A Christmas Story, right? A Christmas Story is a classic with Ralphie. But the star of A Christmas Story, not just Ralphie, is the Daisy BB gun, right? The Daisy BB gun. And I’m sure many of you have fond memories if you were fortunate enough as a kid to have a Daisy BB gun. But I’ve got to tell you, BB guns in New Jersey are firearms, folks. Keep that in mind. A BB gun is defined as a firearm in New Jersey. You cannot just give a BB gun to your child, to your son or to your daughter. You cannot do that. It’s the same as if you just gave them a gun. Evan Nappen 34:01 If you buy a BB gun, it’s your BB gun. If you want to shoot the BB gun with your child, you need to be with them in the same way as if it is a modern cartridge firearm. You can’t just give them that BB gun to keep in their room, to go out in the woods alone and play with it and have fun like we did in the old days. You cannot do that. It is a firearm. You can lose your gun rights and even face criminal charges. And so can your child. So, the GOFU is, remember, air guns are firearms in New Jersey. Treat them the same as firearms in any way that you would want to give a firearm, okay? Gifting a firearm in New Jersey itself is not permitted without proper paperwork. So, you can’t buy any gun for anyone and just give it to them. They’re going to have to have a transfer done with paper, with a pistol purchase permit for handguns and a firearm ID card for long arms. And if they’re not immediate family, it has to go through a dealer. The only way you gift a gun in New Jersey is with full paperwork. So, that’s the GOFU. Keep it in mind during this holiday season. Evan Nappen 35:33 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Page – 10 – of 11 Speaker 2 35:44 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Page – 11 – of 11 Downloadable PDF TranscriptGun Lawyer S3 E267_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

For H-Hour perks, join the H-Hour Discord guild: https://discord.com/invite/KCb54MQNxd and follow H-Hour Hugh on X: https://x.com/HughKeir ******Dr Alastair Santhouse, a consultant neuropsychiatrist at The Maudsley Hospital in London, authored No More Normal: Mental Health in an Age of Over-Diagnosis, published by Granta Books in April 2025. In this H-Hour Icebreaker, a prequel to the full podcast, Alistair to tackles critical questions from H-Hour patrons about neurodivergence, self-diagnosis, and the evolution of psychiatric terms like trauma and depression. Santos delves into the rising diagnoses of autism and ADHD, the complexities of self-diagnosis, and the pressures on mental health services. The discussion also touches on societal issues like loneliness, financial insecurity, and the need for nuanced, accurate mental health diagnoses. This episode promises a rich conversation full of balanced, research-based insights on mental health and diagnosis. https://www.alastairsanthouse.com https://www.amazon.co.uk/No-More-Normal-Mental-Over-Diagnosis/dp/1803511141

I'm potentially more confident about this title than I should be... Hosted on Acast. See acast.com/privacy for more information.

Most people over 50 have disc bulges and degeneration and are not in pain. 30% of people in their 20s have disc bulges and are not in pain. Janda would say that the disc is being injured by postural issues due to muscle imbalances and also because of dysfunctional movement patterns caused by those Upper and Lower Crossed Syndromes.  Treating a disc bulge only gives temporary relief. The underlying sheering force caused by a short tight psoas or a forward head placement will start to injury adjacent discs and will perpetuate pain.  Fix the Function! Correct the Crossed Patterns and retrain the movement patterns for lasting relief of chronic pain.   https://pmc.ncbi.nlm.nih.gov/articles/PMC4464797/ https://pmc.ncbi.nlm.nih.gov/articles/PMC3921966/   BLACKFRIDAY20 at Checkout (look for the link to click) for 20% off all Courses and Bundles of Courses on my Podia site. Bundles are already 20% discounted and you can add the Black Friday Discount on top of that until the end of the year.   https://richardhazel.podia.com   My Courses Don't Expire  

MARKUS RAY discusses Lesson #107: "Truth will correct all errors in my mind." Illusions are thoughts in error. They play out in the painful and traumatic experiences in our life. Forgive and change these thoughts, and the nightmares of these experiences will be over. Truth will help us make this correction.

REDIFF - Franck a partagé son expérience d'errance médicale pendant 30 ans avant de recevoir un diagnostic correct de trouble bipolaire en 2019. Cette découverte a transformé sa vie grâce à un traitement au lithium, lui permettant de retrouver une vie normale et de s'engager à sensibiliser les autres sur la santé mentale. Chaque soir, en direct, Caroline Dublanche accueille les auditeurs pour 2h30 d'échanges et de confidences. Pour participer, contactez l'émission au 09 69 39 10 11 (prix d'un appel local) ou sur parlonsnous@rtl.fr.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

DawgNation's Brandon Adams joins Andy and Randy to preview the SEC Championship, and the latest CFB Playoff rankings

Welcome to Indulgence Gospel After Dark!We are Virginia Sole-Smith and Corinne Fay, and it's time for your December Extra Butter episode.Today we've got a couple of rants and answers to your listener questions. On the agenda: ⭐️ The tyranny of School Spirit Weeks — especially during the holiday season! ⭐️ How it feels to date another fat person

In this episode, Chip and Gini discuss the complexities of hiring in growing agencies. They highlight the challenges of finding skilled, reliable employees who align with agency values. Sharing personal experiences, Gini explains the pitfalls of hasty hiring and the benefits of thorough vetting and cultural fit. They stress the importance of a structured hiring process, including clear job roles, career paths, and appropriate compensation. They also underscore the value of meaningful interviews, proper candidate evaluations, and treating the hiring process as the start of a long-term relationship. Lastly, Chip and Gini emphasize learning from past mistakes to improve hiring effectiveness and employee retention. Key takeaways Chip Griffin: “When we talk about retaining employees, it goes back to how the interviews went.” Gini Dietrich: “You’re gonna be working with this person eight hours a day. You should have a real meaningful conversation with them. Don’t ask if you were a tree, what kind of tree would you be?” Chip Griffin: “If you’re going to have members of your team interviewing, you need to make sure that you’re educating them on how to do it well. And how to do it without causing problems.” Gini Dietrich: “They say, hire slowly and fire fast for a reason, because you have to be really meticulous about who you hire. So that they do last. So they are a culture fit, so they don’t miss deadlines, so that they are getting the work done that you need done.” Related How to onboard new agency employees Get over your fear of hiring employees Hiring the best employees for your agency How to hire agency employees Setting honest expectations for your agency employees from the start Focus on agency employee retention View Transcript The following is a computer-generated transcript. Please listen to the audio to confirm accuracy. Chip Griffin: Hello, and welcome to another episode of the Agency Leadership Podcast. I’m Chip Griffin. Gini Dietrich: And I’m Gini Dietrich. Chip Griffin: And Gini, a few weeks ago, I think I fired you. Today, you’re hired, Gini Dietrich: You keep playing with my emotions. I don’t know how to do this anymore. I’m fired. I don’t get paid. Now you’re rehiring me. I don’t know what to do. Chip Griffin: Yeah, it’s difficult. Anyway. It is what it is. But no, we are gonna talk about hiring today because we are, you know, we can’t just talk about all the bad things. So, we’ll, we’ll spend some time talking about something that is overall more positive. Because if we’re hiring, hopefully that means that we are growing, or at least we have the need for additional resources, even if it’s replacing someone who has left. But it is something that is very challenging, so it can create its own problems along the way if you don’t do it right. So this is, something that comes from one of our favorite topic inspiration sources. Reddit. I know it’s a place that you live and breathe. Gini Dietrich: And by favorite, we’re using quotes “favorite”, scares the crap outta me. But ok. Chip Griffin: You are on Reddit all day every day. Just kind of combing around to see what conversations you can jump into. But this is one that was on there, probably a while ago honestly, it’s in our topic document. We didn’t date it, so I, I can’t tell you how long ago it was, but, what it says is, hiring the right people is harder than it looks. Finding skilled, reliable people who align with your values is a challenge. Early on, I rushed hires and paid for it in missed deadlines and miscommunication. Now I take more time to vet people and focus on cultural fit as much as skills. So I thought it would be helpful for us to have a conversation around how we approach the hiring process. How do we find the right fits? How do we vet those fits? And how do we frankly think about going from hiring them to, to beginning to on onboard them. We’re not gonna talk about the full onboarding process, but just sort of, you know, that, that evolution of saying, Hey, I need this role. Where do we go from there? Gini Dietrich: Yeah, it’s, it’s funny you say that this is our topic today. ’cause just the other day I was thinking about some of the very early hires I made that didn’t work out. And all of the mistakes I made in, in hiring them. And I will say that one of the biggest mistakes that I make is I meet somebody online who has the right skillset from a paper perspective, resume perspective, and I just hire them. I’m like, oh yeah, you, you look like you can do the job. And we may have a conversation, but there’s no, like, thought about it. There’s no interviewing for skills. It’s more just like a, a conversation to see if we, we might be able to work together. And every time I have done that, it has not worked out. So earlier this year I hired a chief learning officer to help with like certification and, you know, all the professional development things we do on the PESO model front. And about three or four months in, we both realized that, that that while she can do that job and she’s great at that job, she would be more valuable as a chief operating officer. So we switched her over. And let me tell you, being professionalized on the hiring front is phenomenal. I mean, she has set up interview guides, so like if you are an assistant account executive, and this would be somebody that you report to maybe two or three levels up, and we’re having you interview, you have a set of questions. If you’re the direct report, you have a set of questions. So we, like, she’s created all this. She’s created salary bands and like, you know, a career path for everybody where from where they start and she’s done, she’s done it in such a way that it isn’t bloat, but it’s just kind of professionalized the way that we do things. And you don’t have to hire a chief operating officer to do this, like I know you, you like to talk. Patrick is your go-to person from an HR perspective, someone like Patrick can help create these things so that you can professionalize it because as they say, hire slowly and fire fast. That quote is there for a reason, because you have to be really meticulous about who you hire. So that they do last. So they are a culture fit, so they don’t miss deadlines so that they are getting the, the work done that you need done and you’re not being, like, I have been in, in the last 20 years of just hiring people I like. Chip Griffin: Yeah. And, and I, I mean, I think that, you know, you’ve touched on some important things here and, and you do have to have some sort of a process in place. It doesn’t need to turn you do into a bureaucratic circus, Gini Dietrich: You do, right. Chip Griffin: But at the same time, you need to have a process. And, and it really, to me, starts with being clear about what it is that you need. And who it is that you’re trying to hire. And, and too often when we’re trying to hire, it’s either because someone has left or because we’ve got a new client. And so our, our mindset is we need to get someone in here quick because we’ve gotta relieve this pain and this pressure. But that often leads to some of those bad decisions because you’re not really evaluating. Not even just the individual, but the role. Mm-hmm. And you need to think through, you know, what do you actually need at any given point in time? And it’s one of the reasons why I am a very strong advocate of only hiring, particularly in small agencies, only hiring one person at a time, one role at a time. Gini Dietrich: Yes. Yes. Chip Griffin: Because every time you add someone new to the mix, it changes a little bit what you think you might need in the next one. And if you hire two people simultaneously, it increases the odds that you don’t actually have the right mix of talent on board. So you’ve gotta be crystal clear with yourself about what you’re looking for, but to your point, you also need to have a process in place that helps to understand what are our salary bands, what are our titles? How does this fit in? What is their growth path? Because those are questions you will get during the interview process. And if you’re not clear about those things going in, you will either overpay or underpay or assign the wrong title. Or frankly, get the wrong person because you’re not thinking about it in the big picture. So put the thought process in upfront, and that is the, to me, the first step in making sure that you make as good a decision as possible. Accepting that frankly, a lot of hiring decisions are gonna be wrong. Right? Even of course, even, even the, of course, even the best organizations, of course with the, with robust HR teams and, and talent evaluation, they still have a lot of misfires, so you can’t beat yourself up over those. But you’ve gotta increase your odds by having the right thought process and structural process in place. Gini Dietrich: One of the things that, you know, early on I would do when I didn’t have a team who could interview people, I would ask my business coach, or I would ask, you know, friends that were in the industry, other agency owners, if they would participate in some interviewing, just to kind of get me out of the Gosh, I really like this person. I think we’ll work well together. And, rather than, gosh, I really like this person and I think they can do the job right. So just having different outside perspective helped me when I didn’t have a team that could also do the interviewing. So I think, you know, doing that kind of stuff too helps. And I also think that, you know, I, one of the biggest mistakes, and you touched on this that I’ve made, is not having that career path or clear career path. Because people come to work and even though you’re an entrepreneur and you’re the agency owner, and you kind of know in your head how things work, they need to know that because this is their career that you’re talking about. So they need to know that if I wanna be promoted in 6 months, or 12 months or 18 months or whatever it happens to be, these are the things that I need to achieve so that they’re working towards something, not waiting for the annual review and saying, am I up for a promotion? What does that look like? Do I get a raise? Like, so having those kinds of things I think is incredibly important upfront so that you know, this is what we expect, this is how you’ll get to the next step, and you can be very clear about that. Chip Griffin: Yeah, because it, it is a question that you absolutely will get. I’ve done a lot of interviews over the years. I continue to, to do interviews for clients, and I can tell you that you get a lot of those kinds of questions where people want to understand what their career path is. The other one they ask a lot is, what does a typical day look like? Gini Dietrich: Mm-hmm. Chip Griffin: You’ve gotta have the answers for those questions as best you can, and, and you need to be honest with them where you don’t know. So don’t, don’t, you know, blow smoke and, and Gini Dietrich: Right. Chip Griffin: You know, give them an answer if you don’t have one. If, if the honest answer is, I don’t know. Tell them that, but then also explain how you think about it or how you would go about it, or the kinds of things that, that might be included so that you can paint some kind of a picture there. Because it’s, it is important for people to evaluate it. And frankly, we look at these things as, as evaluating the talent for us. But they’re also evaluating us. Gini Dietrich: Absolutely. Chip Griffin: And, and so you also need to make sure that in the process you’re giving them plenty of time to ask questions. In fact, I usually start by letting them ask questions for two reasons. One is because it helps them to get the information that they need to evaluate it. But second, you learn as much from the questions they ask as anything else. And to me, a red flag is when they have no questions at all. Gini Dietrich: No questions. Yeah. Chip Griffin: Because if they have no questions at all, it probably means they did no research. They’re probably not all that interested. They’re just trying to get a job of some kind. It doesn’t, it doesn’t mean necessarily that they’re a bad fit. Some people just freeze up because they’re, you know, that’s, that’s not a traditional approach to interviews. To start by saying, what questions do you have of me? Right. By the way, introduce yourself first. Talk a little bit about the business and the role. I mean, don’t just, you know, say hello. What questions do you have? Gini Dietrich: Hello. What do you have? What questions can I answer? Chip Griffin: But, but honestly, I, I almost always will ask people what questions they have before I ask my first question. We just do the intros and then start with that, because you learn from that. And it, it also helps them get onto a more comfortable spot. And so you can steer the, the conversation, I think, more effectively that way. Gini Dietrich: One of my biggest pet peeves is, you know, now that we have a, a team who does the interviews, if the candidate gets to me, that means they’re one of the finalists, right? And I will say, what questions do you have of me? And they will say, and this happens more often than not. Well, I kind of already asked my all my other question, my questions from everybody else. So ask them again. Right? Make sure you get the same answer like. Right. Yeah, because that will, as I know we’re not talking, we’re not talking to candidates right now, but that will tell you as much if there’s, the answers are different than anything else. So that is also a red flag. Which brings me to, we actually created a list of red flags, and we’re going through the A process right now ’cause we’re hiring and our HR director is doing pre-screens, phone screens, and one of the red flags is Are you able to work with within bureaucracy and lots of change and indecisiveness and you know. And one, one of the people that’s interviewing said, I just don’t like bureaucracy. I don’t like lots of change. I don’t like indecisiveness, I’m not. And she was like, no, like, because we have our list of red flags. So it’s, it’s an easy way also to sort of get yourself out of the, gosh, I really like this person. I’d like to work with them. If you have that list of red flags that you will allow you to objectively say, probably not the right fit for this job. Chip Griffin: Yeah. And, and the more that you do of this, the more easily you can come up with those things that just, that it, they’re the indication that this may not be the best fit. Yeah. And I always encourage probing just to make sure that, and I prefer to think of ’em as orange flags rather than red flags most of the time. Because most of the time it’s more the accumulation of those things than, than a single one that Gini Dietrich: fair, fair, Chip Griffin: that says, okay, no, this isn’t the right fit. But I also like to probe. And so, you know, in an example like that, I might say, well, well why does that bother you? Why is that a problem? And just kind of see, Gini Dietrich: yeah. Chip Griffin: You know, what their, what their root thinking is, because I mean, chances are it’s not gonna change anything, but it’s always interesting to find out why. I think the other thing, and, and you touched on this in, in, you know, having a, a, an interview guide and all of that, if you’re going to have members of your team interviewing, you need to make sure that you’re educating them on how to do it well. And how to do it without causing problems. Gini Dietrich: Yes. Chip Griffin: And I think I’ve shared this on the podcast before. Yes. But I have seen so many egregious questions in interviews Gini Dietrich: Yes. Chip Griffin: Over the years that create substantial legal and regulatory issues. Gini Dietrich: Yes. Chip Griffin: Please, please, please train your juniors. Frankly, some of you probably need some training yourselves. Gini Dietrich: Yes. Chip Griffin: On how to do this, Gini Dietrich: I was just gonna say yes. Yes. Chip Griffin: In a way that’s not causing problems. Yes. Because the, I mean, the questions that I’ve seen asked in interviews are just off the charts and, and, and so blatantly inappropriate. Gini Dietrich: Do you have some examples? Chip Griffin: Focus on, and, and, and the other thing is focus on questions that, that actually might reveal something that’s useful to you. Gini Dietrich: Yeah. Chip Griffin: You are not, this is not Google. You’re not out there trying to ask, you know, weird mind game questions. Ask straightforward questions. I, I mean, ’cause the other thing Gini Dietrich: if you were a tree, what kind of tree would you be? Chip Griffin: Yeah, I mean, in addition to the inappropriate questions, you just get these dumb ones, right? Where someone, someone read an article and they’re like, oh, you learn so much if you ask, what kind of tree would you be? Really, you just look crazy as an interviewer. Gini Dietrich: Yeah. Chip Griffin: You’ll look like you’ve lost your mind. Gini Dietrich: Yeah. Chip Griffin: Just don’t do it. Have a real conversation. Treat them like a professional. Treat them with respect. Treat them like you would a prospect. Don’t sit there and, and try to play gotcha games. It’s not a quiz show. It’s not. If you want to go on a quiz show and, and you wanna run your own quiz show, fine. Do that. Your interview subjects, that’s not what it’s for. Don’t ask them in Google Analytics, where do you go to do this? Come on, seriously, just knock it off. Gini Dietrich: That’s funny. Chip Griffin: And if you’re gonna, if you’re gonna try to apply tests to people, you gotta pay them. Gini Dietrich: I totally 100% agree with that. Chip Griffin: But you can’t, Gini Dietrich: yes. Chip Griffin: You can’t say, I need you to write a plan for me. Gini Dietrich: No. Chip Griffin: Or write a press release or something like that. Mm-hmm. Mm-hmm. Particularly if it’s for an actual client you have Correct. And you might actually use it. That’s just wrong. That’s, and I see that way too often. Gini Dietrich: Yeah. Chip Griffin: Where someone says, well, I need to evaluate you. I need you to, to do this. On the technical side, I’ve seen people ask to be written to write all sorts of code. Why? Gini Dietrich: Bad idea. I, you know what, actually Reddit is full of, of those like, so I’m interviewing for this job and they asked me to put together a 12 month plan complete with deck and strategy and blah, blah, blah. Is that normal? And I’m always like, no? Chip Griffin: No, Gini Dietrich: don’t do it. I understand the hiring market is tough right now, but no. Chip Griffin: It’s just bizarre. I mean, honestly, I, I would be suspicious of anybody who could put together that kind of a plan based on, you know, 10 minutes of conversation. Gini Dietrich: Right, right, right. Chip Griffin: I mean, and that’s the other thing. You have to be realistic about what kinds of answers you can get from people in these short windows of time. And so it really is… it’s not necessarily about whether you like them, but it’s, it’s trying to get to understand how they think, how they approach things. You can get those big picture senses off of these conversations, but the, the more granular you get with your question, the less likely it is to be a reliable indicator. Gini Dietrich: Yeah. Chip Griffin: And, and you need to, to again, treat it like a real conversation. So to the extent you have interview guides. Please use them. Just look through them and, and use it as, as a, a general format for the questions you might ask. Please do not do as, as. When I used to advise members of Congress and I prepared questions for them for hearings. Some of them would sit there and ask question one, question two, question three. They wouldn’t even listen to what the, the answer was from the witness at the hearing. They wouldn’t listen to what their colleagues had asked. So I, there were any number of situations where a member would read my question. The member previous to them had asked the exact same question, but they weren’t bothering to listen. Or they asked question one, and they move immediately to question number two, even though the person actually answered question number two as part of their response to question number one. Use your brain. Have a meaningful conversation. Do not walk through your, these are the 10 questions I always ask on interviews and just march through them Gini Dietrich: right Chip Griffin: in forced order. That doesn’t make any sense. You, you need to, to have a real meaningful conversation with someone if you wanna evaluate them properly. Gini Dietrich: Yeah. You’re gonna be working with this person eight hours a day. You should have a real meaningful conversation with them. This, that’s ludicrous. Chip Griffin: Alright, so you, so we’ve, we’ve figured out what we need. We’ve done the interviews. So now how do we pick, we, you know, we’ve got, I mean, let’s say we’ve got a couple of finalists. They’re both in our view, viable finalists. They’re, they’re, they both could do the job. What do you weigh most heavily when you’re evaluating one versus the other? How, how do you make that difficult decision? Gini Dietrich: I’m the wrong person to ask that question ’cause it is based on whether or not I like you and that’s probably not the right response. Chip Griffin: I mean the, there has to be an element of that, particularly in a small agency. Right. You know, you Yeah. If you just, if if you, if you don’t get the right vibe off of someone and you’re like, ah, this just doesn’t… listen to yourself. Gini Dietrich: Yeah. Chip Griffin: Right. If, if you don’t enjoy having the conversations with that person during the interview process, Gini Dietrich: it’s not gonna get better. Chip Griffin: And maybe you say, well, but they’re, they have all the skills. They have all the connections. They know what they’re doing. Oh, it’d make my life so easy. Listen to yourself there. And that doesn’t mean that you have to have that, you know, you need to hire people that you want to go out and have a beer with after work or something like that. But, you know, you’ve gotta feel like, I could talk to this person Gini Dietrich: Yeah. Chip Griffin: An hour or two a day and I, I wouldn’t lose my mind. Gini Dietrich: Yeah. Chip Griffin: Don’t ever say they’ve got so much talent. I’m gonna ignore that. Gini Dietrich: Yeah. Never, because I, the way I think about it is, and the same thing with clients, I would say it will, it gets to the point that I’m gonna end up canceling meetings with this person or with this client. If the answer is yes, then it’s not the right fit. Chip Griffin: Yeah. I mean, and, and the flip side is true too. Going to your point very early in this conversation, if you, if you are enjoying your conversation with that person, don’t overlook the fact that they don’t actually have the skills Yeah. That match up. Mm-hmm. Or, you know, they are under, it will bite you, underqualified or overqualified for the role. They still need to be a fit for the role. No matter how much you enjoy uhhuh your conversations with them or how smart you think they are, Uhhuh, that they may be a good fit for your organization at some point in some role, but it may not be the one you’re hiring for now. Mm-hmm. So make sure that you’re clear with yourself and don’t talk yourself into something. I, I see this a lot where people will get through the hiring process and they find someone that they really like and they’re like, well, they’re not really a fit for this role, but I could see them doing this or that. It’s okay to be flexible, but make sure that whatever this or that is, is really something you need. And you’re not talking yourself into an additional expenditure or putting yourself in a position where, yes, you’ve got that person, but now you still have to hire for this other role. You, you may make things more difficult for yourself in that. So make sure that you’re always going back to what did you say you needed? And if we’re deviating from that, why? And is it, is it a sound business case for making that decision? Gini Dietrich: Yeah, absolutely. Learn from me. Don’t make those mistakes. It costs a lot of time, a lot of money, and a lot of angst. It burns, some bridges. Learn from me. Chip Griffin: And, and also throughout the interview process, and I think we’ve talked about this on the, the show in the past before start thinking about those interview conversations, the hiring conversation where you’re making the offer. Think about all of those as part of the onboarding process. Because it really is a seamless transition or should be a seamless transition into the onboarding and ultimately retention. I mean, when, when we talk about retaining employees, it goes back to how the interviews went. Absolutely. The questions you asked, the way you handled yourself, all of that impacts things that will happen 6, 12, 18 months down the road or even more. Yeah. And so you need to be mindful of that and thinking about how would this person perceive the questions we ask, the process we follow, are we frankly canceling a lot of times on them during the interview process. You need to treat them with respect, if you want to be treated with respect, if you want to build a lasting relationship. So think about all of that at every step of the hiring process, from that first interview, to the last interview, to the offer, et cetera. Gini Dietrich: Absolutely, yes. It’s very, very, very important for you to be organized and prepared. Hire slowly. Those will be the things that save you from a hiring perspective. And like I said, learn from me and don’t always hire just people you like. Chip Griffin: There you go. But don’t hire people you dislike either. Gini Dietrich: So well, sure. But they also have to have the skills to do a good job. Chip Griffin: All right, well I guess with that, we’ll let you keep your job for now, so Gini Dietrich: Well thanks. Thanks. I appreciate it. Chip Griffin: On that note, we will draw this episode to a close. I’m Chip Griffin. Gini Dietrich: I’m Gini Dietrich, Chip Griffin: and it depends.

12.3.25 Hour 2 1:00- So, it turns out that everyone was WRONG about Marcus Mariota's last name and we were wrong this entire time. 23:20- We make our case for our guy Brian Mitchell and Joe Jacoby to get their spot in the NFL Hall of Fame! 34:00- What's going on in our lives that has nothing to do with sports?

1:00- So, it turns out that everyone was WRONG about Marcus Mariota's last name and we were wrong this entire time.

SEASON 13 EP 48 - Correct Aligned Faith by Jeremy Lopez www.identitynetwork.net 

Episode 77 In today's episode of Play on Words from Big City Readers, Miss Beth breaks down one of the top questions parents ask: Should I correct my child's spelling? Spoiler: correcting isn't the enemy… but how you do it absolutely matters if you want to protect your child's confidence and build lifelong readers and writers.From invented spelling to letter reversals, from the dreaded sight word “said” to why she cannot stand the book The Rainbow Fish, Miss Beth gets real about what's developmentally normal, what to gently support, and what to leave alone.Whether your child is in kindergarten, first grade, or second grade, this episode gives you practical, science-backed tools to help your child feel confident while still building strong reading and writing foundations.✏️ What We Cover in This Episode

The international Fresh Produce Association is a trade group with the mission of helping businesses at every step along our food supply chain.

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 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 lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   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  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Well, hey there. Welcome back. Redefining Friction: Physics vs. Process What does friction mean to you? For most of my life, friction has just simply described a physics concept in which something rubs against something else in some way, causing a slowdown and causing heat. But now, and now is variable depending on what sector of work you’re in. Friction describes the same thing, but it’s metaphorically for processes. And you know, I’m all about systems and processes. Intentional Friction in App Design Here’s an example. In the new app I created that allows you to get stuff done. When you add to-do items, you can actually swipe them forward into the future. So, if you swipe it to the right, it appears on tomorrow. There’s also an arrow that you can hit to go to the next day and the next day and the next day. So, if you want to place something, let’s say a week ahead of time, you actually have to hit that button seven times. Friction. And people could say, “Well, Mark, what if I want to push something 25 days into the future? I have to hit that button 25 times.” Correct. It’s friction by design. I want it to feel like you are putting it off all that time because if I didn’t do that, you could just type in a date or use a selector to grab a date and go there. It’s gone for a month and a half. Well, if you’re pushing something that far into the future, it should really be a calendar item. But if you’re pushing something into the future, it should feel like you’re pushing it into the future. In building this app, I learned a lot about intentional friction. I learned a lot about removing it, which is what I always try to do in any process I create. But I also learned about where it’s actually appropriate. My Typewriter: Friction to Prevent Failure I have a vintage Remington number 12 typewriter. I actually wrote my first story on it. And no, I’m not that old because it was created in the 20s and 30s. Every key is connected to a rather slender, thin piece of metal that has a little hammer at the end that matches the key that you hit. When you hit the key, it swings upward and hits the ink tape and creates the image onto the piece of paper. Now, on a piano, the keys do something similar. They have hammers that hit strings. On a piano, though, all those keys and hammers are parallel. You can hit as many keys as you want and they’ll all hit at the same time and not interact with each other. Not so for the typewriter. If you hit two keys at once, they will try to meet each other at the very top and they can get entangled. There’s an old tale about the design of the keyboard, which is the modern one we use today, being designed so that you would type slower. It actually was a designed to intentionally create a lot of friction and slowing you down. Well, so the truth is it’s not exactly like that. Yes, it does slow you down, but the reason being is they tried to separate certain keys so that you wouldn’t easily hit two of the keys that would smash into each other. Again, intentional friction. Identifying Unintentional vs. Intentional Friction One of the most exciting things for me is that when I’m introduced to a process, a system, whether it’s a person and how they conduct their life and try to get things done or an actual business and their systems in place is when I find unintentional friction. I find something in place that slows something down. They go down an avenue. They go instead of going ABC, they go A X Z B and then they come back to C and and we’re able to remove that and say no ABC. See, no more friction. But you have to respect the friction that’s in place because some of it’s intentional. Now, some of it works that it’s worked itself into it to be intentional. And you can look at a process and think, well, that’s inefficient. We’ll just do this. But if you remove the intentional friction, you can find that the system will actually break. Why Some Processes Need to Be Slow: Divorce & Marriage Let’s use another fun example. Oh, let’s say divorce. If someone wants to file for divorce, they don’t make a phone call. And then the people on the other end say, “Hey, thanks for calling. Why don’t you guys just pop down? We’ll take care of that.” The friction that’s in place typically is that you fill out a bunch of paperwork and then they place something on the calendar and they sort of hope that you don’t show up for it because if you don’t it gets removed from the calendar and the divorce isn’t even happening. That’s intentional friction to make it harder for people to just say, “Yeah, I don’t want to do this thing anymore that I said I would do forever.” I’m not in any way, shape, or form disparaging people who have gone through a divorce, but that is the system in place, and it does make some sense. And the same, of course, is true for marriage, for getting married. Now, granted, you can do drive-through marriages in Vegas and so forth, but that gets to something that I talked about in my podcast episode called become ceremonious. And when you have a ceremony attached to something, it slows it down and it makes it more important. It creates more friction. And again, your mind might be saying, “Well, that’s not a bad thing.” No, friction is not a bad thing. It’s a neutral thing. Just like the monsters and unicorns you may have learned about recently. As human beings, we have speeds. We slow down. We speed up. And again, there’s a podcast episode on the the speed of your life. And many times we talk about that. We say slow down, you know, take time to smell the roses and all that stuff, you know, apply some friction. Apply some friction, slow down and do that. Applying Friction to Relationships and Work One final example is the sword and the sunflower. It has a lot of friction in it. It It is a slow read. It’s a slow read because if you pay attention, you get a whole bunch of payoffs. When I wrote it, did I say, “Oh, I’m going to put some friction in here.” No, that was just the way it was written. Let’s talk about you. You may have some business processes in place or a way the reason or the way that you cook the way that you do. Or when you approach relationships with someone, you may introduce intentional friction to slow down the beginning of the relationship. So maybe you can savor it and enjoy it and make sure it’s the right thing for you to do. This may be applied directly also to new hires at your company where there’s a certain amount of friction to make sure they’re the right person for the job or even when introducing a new task, a skill, responsibility to someone in your workplace. There’s some friction involved in that. And you may be thinking right now, wait a second, there’s no friction at all. People are kind of like floundering. Maybe this is why people are floundering. We just sort of let them go with that. we don’t push back a little bit or apply friction. And you’ll find the paradox of like slowing something down in that way or applying friction can actually make it a better thing. And that’s one of the eye opening things of really discovering the friction in your life is when you discover the things that are slowing you down or in place intentionally. This intentional friction I mentioned and how what a wonderful thing it is. Taking Action: Evaluating Friction in Your Life So, as always, we raise your awareness about something and then we say, well, what are we going to do about it? And I would say the what are we going to do about it part is you should look at your life and look for intentional and unintentional friction. the way that you deal with your kids, the way that you prepare prepare meals, the way that you deal with your spouse or loved ones or friends, the the way that things are done in your workplace, the stuff you have control over, and the stuff you don’t have control over. And you may find that you are intentionally going around friction that you feel unnecessary in your workplace. No, I don’t fill that out. No, we just sort of skip that form. It would behoove you and give you a much more enjoyable life to remove the unintentional friction and respect the friction that’s in place. You may even find that, hey, there’s a place in my life where I need to put more friction. Now, if that sounds crazy, you could say, well, it’s way too easy for me to run to the refrigerator and grab that stuff that makes me not so thin. So, if there was friction between you and the refrigerator, friction between you and accessing that, then it would be harder for you to overeat or go off your diet. Actionable Homework with CheckMark™ If you’re using CheckMark™, my productivity app, you’ll find this episode listed under the episodes list on the dashboard. And here’s something really cool. You know, I mention homework in these episodes a lot where you pause it or what have you. I really hope that people think about them later and so forth, but I can’t exactly expect people to like whip out a notepad or what have you. Now, you don’t have to. If you go to the project library screen, you’ll find the this episode and all you have to do is click on it and hit start project and all the homework or things you need to think about from this episode will automatically be applied to your clipboard. Boom. Instant actionable episode notes. pretty cool stuff. So, thank you for listening as always and take care of yourself and I will see you again. This had been entered into the CheckMark projects list!

Hear award-winning columnist Dejan Kovacevic's Daily Shots of Steelers, Penguins and Pirates -- three separate podcasts -- every weekday morning on the DK Pittsburgh Sports podcasting network, available on all platforms: https://linktr.ee/dkpghsports Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tis the season we've all been waiting for, and the question that remains is simple: When is the right time to put up your Christmas tree? Is there even a right time? Well, Darren, Sky and Carmen took to KZN to find out when the perfect time is, and it turns out, you might be late to the party... Webpage

In this fourth part of this series, Pastor Caleb discusses the importance of God-ordained ministers being spiritual fathers who raise Christians up as disciples.  Many people may have instructors or teachers, but every Christian needs a spiritual parent to help them mature and grow in a personal relationship.  Without a pastor, a person tends to have less influence and help to stay on track with God.  Send us a textSupport the showFor more information for our church visit AGCSparta.org.

In this episode, AJ and Chris dig into a playful but insightful exploration: What would happen if an outsider spent a weekend in Bellingham guided solely by web searches or AI?Fresh off a Portland conference with heavy AI themes, AJ tests what “SmackGPT” thinks a weekend in Bellingham should look like across five traveler personas: the Local Explorer, Family Adventurer, Mindful Explorer, Camper, and Lux High Roller (exact output posted below).The gents review, refine, and sometimes hilariously correct the AI-generated recommendations, offering their hyper-local expertise on food, lodging, hikes, coffee shops, costs, and hidden gems. Along the way, Amtrak stories, camping advice, critiques of $10 gas estimates, and an update on the infamous “mics on sticks” recording setup.It's a mix of travel guide, tech commentary, and classic Bellingham banter all better than any bot.

1 He who is often rebuked and stiffens his neck will be destroyed suddenly, with no remedy. 2 When the righteous thrive, the people rejoice; but when the wicked rule, the people groan. 3 Whoever loves wisdom brings joy to his father; but a companion of prostitutes squanders his wealth. 4 The king by justice makes the land stable, but he who takes bribes tears it down. 5 A man who flatters his neighbor spreads a net for his feet. 6 An evil man is snared by his sin, but the righteous can sing and be glad. 7 The righteous care about justice for the poor. The wicked aren't concerned about knowledge. 8 Mockers stir up a city, but wise men turn away anger. 9 If a wise man goes to court with a foolish man, the fool rages or scoffs, and there is no peace. 10 The bloodthirsty hate a man of integrity; and they seek the life of the upright. 11 A fool vents all of his anger, but a wise man brings himself under control. 12 If a ruler listens to lies, all of his officials are wicked. 13 The poor man and the oppressor have this in common: Yahweh gives sight to the eyes of both. 14 The king who fairly judges the poor, his throne shall be established forever. 15 The rod of correction gives wisdom, but a child left to himself causes shame to his mother. 16 When the wicked increase, sin increases; but the righteous will see their downfall. 17 Correct your son, and he will give you peace; yes, he will bring delight to your soul. 18 Where there is no revelation, the people cast off restraint; but one who keeps the law is blessed. 19 A servant can't be corrected by words. Though he understands, yet he will not respond. 20 Do you see a man who is hasty in his words? There is more hope for a fool than for him. 21 He who pampers his servant from youth will have him become a son in the end. 22 An angry man stirs up strife, and a wrathful man abounds in sin. 23 A man's pride brings him low, but one of lowly spirit gains honor. 24 Whoever is an accomplice of a thief is an enemy of his own soul. He takes an oath, but dares not testify. 25 The fear of man proves to be a snare, but whoever puts his trust in Yahweh is kept safe. 26 Many seek the ruler's favor, but a man's justice comes from Yahweh. 27 A dishonest man detests the righteous, and the upright in their ways detest the wicked. Listen Subscribe: Proverbs Daily Podcast Psalms Daily Podcast

This is our last episode of Our Opinions Are Correct... but please stay subscribed to our feed, because you'll hear from us again. We're sad to be stepping away, but we're proud of seven years of correct opinions. And we're using this moment to think about the state of science fiction and fantasy in the twenty-first century, and what might be coming next. Shownotes: www.ouropinionsarecorrect.com/shownotes

*. REPUBLISHED with the CORRECT audio, sorruy about that!!! *There are Two Ways to Live Life; as a victim of circumstance or as the badass you really are. My guest this week, Erin Brennan, has lived by and embodied this mantra throughout her life.  She reminds up that the choice is ours - you can react to life's curveballs or you can grab them and throw them back. Because when you embrace the unknown, you play by your rules. Erin is a Creative Consultant who blends the worlds of brand strategy, design thinking, linguistics, neuroscience, and a few other things to help her clients move mountains. She also believes in magic and tries to sprinkle it into the lives of others often. On this week episode, Erin and I have way too much fun talking entrepreneurship, tapping into our authentic creativity, and why It takes guts to stand out. Even more so to stand still long enough to hear what your soul's been trying to say. Erin shares how uncertainty can hold us back, but what if it's the key?  Erin talks about her lifetime of navigating chronic health issues: getting sick at 16 and diagnosed with a genetic disorder that made her confront who she wanted to be and how she wanted to live her life early on. And a fellow traveler, she speaks of traveling around the world, packing up everything sge owned and spend 3 years living out of a suitcase traveling the world.BIO:Erin Brennan believes the best way through life's messiest moments is to embrace them. With a subtle shift in perspective, she invites you to find possibility in the unknown, if you're brave enough to show up and say yes. Her work challenges you to swap certainty for curiosity. Through her decision-making frameworks, Erin helps you shift unconscious belief patterns using a combination of psychology, linguistics, neuroscience, quantum physics (and magic) to find freedom from fear and uncertainty to reclaim your power.It was her own journey, navigating serious health challenges, starting her own creative agency in 2010, and pursuing a life on her own terms, that she learned, on the other side of fear is freedom. Erin is currently working on her first documentary, asking: What if chasing your wildest dreams meant staring down your biggest fears? Erin is known for delivering tough love, unfiltered honest insights, and just enough magic to help people get out of their own way to live life on their own terms.Erin Brennancreative consultant** NEW WEBSITE **Documentary Link: https://www.averageerin.com/ type // erin@brennanbrand.comdial // 415.496.9825browse // www.erinbrennan.co

Lucious Lowe never saw his empire, but his son and son-in-law figured out how to give the customer what they needed. Dave Young: Welcome to the Empire Builders Podcast, teaching business owners the not-so-secret techniques that took famous businesses from mom-and-pop to major brands. Stephen Semple is a marketing consultant, story collector, and storyteller. I’m Stephen’s sidekick and business partner, Dave Young. Before we get into today’s episode, a word from our sponsor, which is… Well, it’s us, but we’re highlighting ads we’ve written and produced for our clients, so here’s one of those. [OG Law Ad] Dave Young: Welcome back to the Empire Builders Podcast. I’m Dave Young, Steve Semple’s here, and we’re going to talk about another empire. Stephen Semple: Another one. Imagine that. Dave Young: And it’s another one of these big boxes. Stephen Semple: Yes. Dave Young: So this is brick and mortar big box store. And so there’s two things. One thing I love, one thing I hate about big box stores in this category. I used to love going down to my local hardware store and just tooling around. Stephen Semple: Yeah. Dave Young: And I guess you can still do that, but there’s something about some old guy walking up and chatting with you about what you could maybe buy or not. Stephen Semple: Yeah. Dave Young: And so Lowe’s is our subject today. Stephen Semple: Yes. Dave Young: I’m interested to see how they started. And again, I love shopping at Lowe’s, I hate shopping at Lowe’s, for two different reasons, right? Stephen Semple: Yeah. Dave Young: The variety. It’s all there. Stephen Semple: Yes. Dave Young: The old guy that knows every piece of hardware in the store. Good luck finding that person. I mean, they may be there, they may not. It’s hit and miss. Stephen Semple: Yes. So the first Lowe’s, of course, started as one of those old-timey hardware stores. Dave Young: Sure. Stephen Semple: It was a 3000-foot store in 1921 in North Wilkesboro in North Carolina by Lucius Smith Lowe. That’s basically the first Lowe’s was way back in 1921. Dave Young: Lucius Smith Lowe. Okay. Stephen Semple: But the success of Lowe’s actually did not come from Lowe, but rather an in-law named Carl Buchan, who came on the scene in 1943. Dave Young: Okay. Stephen Semple: So when Lucius died in 1940, the business was inherited by his daughter, Ruth Buchan, who then… Now, I was not able to find the family story on this, because I find this interesting. It was inherited by the daughter, who then sold the company to her brother, and I always thought, “Why’d the brother not inherit the business?” Dave Young: Right? Stephen Semple: Now, I also get why she probably sold it, because as we know, one of the really big problems, especially back in the 1940s, was women couldn’t get credit, and it was very, very, very hard in the forties for a woman to actually run a business. So I also understand why she sold. Dave Young: Yeah. Yeah, and weird estate planning goes on that you don’t know why they did what they did. Right? Maybe the son had an insurance policy. Right? Stephen Semple: Who knows? Who knows? Dave Young: I don’t know, but maybe he got… Who knows? Stephen Semple: Now, at the same time, when she sold it to her brother, her husband, Carl, ended up becoming a partner in the business. Dave Young: Okay. Stephen Semple: So it was this really weird, father dies, it goes to the daughter, the daughter sells it to the brother, and the husband ends up becoming a partner. Dave Young: Who knows about the transactions inside family businesses, right? That’s a… Stephen Semple: Right? All I’m just saying is, if it sounds weird, it was. Dave Young: Yeah. Stephen Semple: That’s all I’m saying. But moving forward, what’s really incredible is today, Lowe’s is 1700 locations doing 80 billion in sales. So it is- Dave Young: That’s not nothing. Stephen Semple: That’s not nothing. That’s not nothing. But back in the early forties, hardware stores did not have building supplies. They didn’t have plywood, they didn’t have… They didn’t have building supplies. Dave Young: Yeah, yeah. You went across to the lumber yard to get that stuff. Stephen Semple: Correct. Correct. Dave Young: Yeah. Stephen Semple: And so one day Carl gets this deal on toilets, and he decides to buy a whole pile of toilets. When I say a whole pile, the whole truckload, which was 400 toilets. Dave Young: Okay. Stephen Semple: And James? James Lowe comes in the office one day and he’s like, “Toilets in the office.” And he says, “Carl, why is there toilets in the office?” He goes, “Well, I bought 400 of them and I ran out of space, so they’re sitting in here.” And he’s like, “We don’t sell toilets.” He goes, “Well, we are now, because we got 400 of them.” Dave Young: “Yeah, we sell toilets. Sell them or else.” Stephen Semple: “[inaudible 00:05:20] now!” So, “Yes we are.” And what turns out is that they sell out really quickly. And Carl looks into this a little bit more and he sees this trend. Right? Think about it. It’s 1946. What’s happening in the United States? There’s a building boom. Right? The number of homes being built has grown 10 times over the last three years, because we got the baby boom happening. We got the return of the soldiers, we got the baby boom, we got the sprouting up of the suburbs. That part is growing. So they sell out these toilets in like a week, and so he wants to open a second store. He goes, “Look, here’s what I want to do. I want to open a second store and we’re going to sell everything for building and fixing a home. Everything. We’re going to turn specialty stores into one shop.” So in other words, you don’t have to go to the plumber… you know. Look, this is another variation on the department store and the convenience store. Dave Young: Absolutely. Stephen Semple: So Lowe agrees, and they invest a hundred and sixty thousand dollars in the second store, and it’s a 10,000 square foot, so they’ve gone from 3000 square feet to a 10,000 square foot store in Spartan, North Carolina. Dave Young: And so yeah, we tripled the size. It’s all the space we’ll ever need. 10,000 feet. Stephen Semple: Right. So it’s 1949, and literally customers are coming. Yeah, that’s right. It’s 10,000 square feet. I missed that for a minute. Yeah, yeah. Hold that thought. Dave Young: “Hang on.” Stephen Semple: Hold that thought. So it’s so popular, they’re actually finding customers are coming from states away from, outside of North Carolina. So Carl wants to open a third store, and Lowe doesn’t want to. He doesn’t want to grow this thing. Dave Young: Isn’t it amazing that the whole company’s not called Carl’s instead of Lowe’s? Stephen Semple: Well, here’s what ends up happening. Lowe says, “Look, I don’t want to do this. Why don’t you just buy me out?” Carl buys out Lowe, but says, “Well, let’s keep the name.” Dave Young: Yeah. Stephen Semple: “Let’s keep the name.” Dave Young: Yeah, that’s smart. You got equity there. Stephen Semple: Yeah. So in 1952, Lowe is bought out, but they keep the name. And it expands rapidly. They quickly open 13 more stores. [inaudible 00:07:27] Dave Young: Oh, wow. See, I did not know they were this old. Stephen Semple: Yeah. So it starts growing like crazy, but then they hit a problem. After six years, profits stall. Dave Young: Oh, okay. Stephen Semple: What he notices is, he’s been focusing on opening stores, but not focusing on the buying experience. And if you went into a Lowe’s at that time, it was super disorganized. Stuff was just all over the place. Dave Young: Okay. Stephen Semple: And so it was not appealing. So he hires Bob Strickland, marketing guy. Bob points out that people come in to get what they need, but what if we were able to make them to stay and buy other things? Like instead of an oven, how about a whole kitchen? Dave Young: Sure. Stephen Semple: So he says, “Let’s be like a department store.” They looked at how Sears was laid out, right? There was these departments. Dave Young: Yeah. Stephen Semple: And basically this is the model that they created, which is really the template that all these big box home improvement stores are built on. Here’s the appliance section, here’s the flooring section. Dave Young: Yeah. Stephen Semple: But it didn’t just have flooring. It had, okay, along with the flooring, the caulking and the this and the… Dave Young: Yeah. Stephen Semple: All the things that you need with it. Dave Young: So take those toilets out of the power tool section and put them where they belong. Yeah. Stephen Semple: Yeah. So they create this template that they’re going to roll out, and before they’re ready to roll it out, Buchan passes away. Dave Young: Oh no. Stephen Semple: And so now it’s up to Strickland to open with the new idea. So Strickland takes the ideas. He opens five stores on it. They’re super successful. In two decades they got a hundred and eighty stores, 1978 they’re the largest in the region, 1979 they’re 200 stores, and they just grow and grow and grow and become what they are today. But Lowe’s basically built this idea. The two innovations Lowe’s did was built this idea of, “We should have a store that’s dedicated to home improvement,” because they saw the trend on it. And then they created this whole idea of looking at department stores and saying, “This is how a home improvement store should be organized.” Dave Young: Yeah. Stephen Semple: That template? That template, that idea that every one of these big box home improvement stores is built on, was created by Lowe’s. Dave Young: Stay tuned. We’re going to wrap up this story and tell you how to apply this lesson to your business right after this. [Using Stories to Sell Ad] Dave Young: Let’s pick up our story where we left off, and trust me, you haven’t missed a thing. Stephen Semple: … that idea that every one of these big box home improvement stores is built on, was created by Lowe’s. Dave Young: Well, and so the reason I didn’t know about them when I was younger is that they started in the east and slowly moved west. Stephen Semple: Yeah. Yes. Dave Young: And I don’t know where Home Depot started, but in the Rocky Mountain West and Western Plains, there were Home Depot stores long before there were any Lowe’s stores. Stephen Semple: Yeah. Yeah, yeah. Dave Young: So it’s just a matter of growth at that point then, right? Stephen Semple: Right. Dave Young: They figured out the formula. Stephen Semple: They figured out the formula, and then it’s just grow, grow, grow. Dave Young: I’m guessing that, yeah, Home Depot probably has a similar story. Either they copied Lowe’s or they figured it out themselves that this is the right way to do a big box home improvement store. We going to do that one sometime? Stephen Semple: Well, I don’t want to say much, because we are going to do… Oh. Dave Young: Okay. All right. I’ll hold that for another day. But- Stephen Semple: Well, what ends up often happening when I’m researching these things, there’s no way to do it without learning about both. Dave Young: Sure. Stephen Semple: So often that’s the reason why when we’re doing these, there will be two in a category, because you learn about both of them at the same time, because they have kind of a shared history, right? Dave Young: Well, and those guys absolutely copy each other. Right? Stephen Semple: They did. Dave Young: I think we go back, I don’t know what episode it was, but we talked about Cabela’s, and then we sort of told the story of them being eventually bought by Bass Pro. Stephen Semple: Right. Dave Young: And the [inaudible 00:12:08] Bass Pro, I think… Well, at least according to the people that I knew at Cabela’s, they were the first ones to build this giant experiential store. Right? Stephen Semple: Well, in Sam Walton- Dave Young: And so… But that gets copied. And Sam Walton, same thing, right? Stephen Semple: Well, Sam Walton has openly stated that he stole a lot of his ideas from Sol Price. Dave Young: Yeah. Yeah. Stephen Semple: He has come right out and said that. He’s like, “Oh yeah, I always watched what this guy did, and I’d always keeping my eye on him, because he was brilliant.” Right? Dave Young: Yeah, I mean- Stephen Semple: Who was the founder of Costco. Right? So. Dave Young: At the end of the day, these are just sharing good commerce ideas. Right? Stephen Semple: Yeah. Dave Young: Nothing new under the sun here. Stephen Semple: Yeah. Dave Young: There’s a reason that every ancient city has a bazaar, a marketplace where they all gather, right? You make it convenient for consumers by, even though you’re 10,000 little competitors, you’re all in one place. Stephen Semple: Yeah. What I really liked, again, about this story, was Lowe saw a trend going on in the United States, and the trend was, “People are building these homes, and so there’s going to be more demand for home improvement stuff. How do I make it easier?” Again, that theme of, “How do I make it easier for the consumer? Wouldn’t it be so much easier for the consumer if it was this one stop?” Dave Young: Yeah. [inaudible 00:13:29] Stephen Semple: Now, the other thing I thought that was brilliant is that when the profits stalled out, he didn’t flip to, “I need more leads, I need more customers.” He didn’t go there. He went, “Oh, if this has stalled out, there’s something I’m doing wrong inside my four walls.” Dave Young: Yeah, yeah. Stephen Semple: And he looked at the experience and he said, “Okay, I’ve already got customers. What I need to do is if I make that experience better, the customers will return more often and will spend more.” I remember going to a presentation from the folks from Barnes and Noble, and Barnes and Noble talking about how they… And Ikea’s the same. They would measure how long somebody was in the store. Ikea’s amazing at this. And what they know is, the longer you’re in the store, the more you spend. Period. So what’s their whole objective is “I’m going to keep you in the store. How do I do that? I’m going to put a restaurant in. I’m going to put in a place where you can stick your kids to play. I’m going to make it so that you’ve got to walk the maze.” The point is, the longer you’re there, the more you’re going to buy. And not only that, Ikea’s figured out, “If I display these things this way, people will stop and look at it,” so that they do move through the stores slower. Dave Young: Yeah. You- Stephen Semple: But Lowe’s really caught into- Dave Young: And there’s sort of a logical progression to it. Stephen Semple: Right. Right. Dave Young: Yeah. Stephen Semple: So Lowe’s created that idea of “Let’s do this one stop shop.” And then the next one was, “Okay. Now that we’ve made this idea more convenient, let’s now make this idea more enjoyable and also more convenient, because there’s all these ancillary things that you need when you’re doing that in the moment. Let’s put all that stuff together.” Dave Young: Well, and you bring designers in because if you’re coming in for all these kitchen products- Stephen Semple: Yeah, absolutely. Dave Young: … maybe you don’t know how to put that all together and make it look good. Stephen Semple: Yeah. Yeah. Dave Young: Right? So here’s you’re somebody that can help you lay it out. Stephen Semple: Yes. Dave Young: And then they can sell you all the materials that either you or your contractor need to make it happen. Stephen Semple: Now what we know is, David Young is going to leave this talk with an even more love-hate relationship of Lowe’s. Am I right? Dave Young: I’m not remodeling anything. No, I love walking around a Lowe’s. I find it hard to… If I need some adhesive, I need some Gorilla Glue or something, and I walk into a Lowe’s, two things are going to happen. Unless I’m in just a blazing hurry and I’ve left someone in the car with the car running- Stephen Semple: Yeah. Dave Young: … I’m going to just wander around. Stephen Semple: Yeah. Dave Young: And I’m likely to walk out with something else besides the glue. Along with the glue. Stephen Semple: Correct. Yes. Dave Young: Sometimes without the glue, because I forgot why I went in. Stephen Semple: Oh God, yeah. Dave Young: But that’s a whole different psychological thing. We just finished talking about that at my portals class this week. Stephen Semple: Oh yeah, [inaudible 00:16:25] Dave Young: Tell you about that sometimes. That was fun. Stephen Semple: It’s a thing. It’s a thing. Dave Young: We had a blast. Yeah. Wow. Lowe’s. Stephen Semple: Yeah. There you go. Dave Young: Now I’m thinking in my head, what do I need? You know, near Wizard Academy, we’re not really close to a Lowe’s. You’ve got to drive 20 minutes or so to get to a Lowe’s. Stephen Semple: Yep. Dave Young: But about 10 minutes, 15 minutes away is independently owned Ace Hardware store. Stephen Semple: Yep. Dave Young: And I love that one too. Right? Because if you’re really just looking for a tool or some little hardware bits and bobs, you’ll always find it there. Right? [inaudible 00:17:02] Stephen Semple: Yeah, well, because Ace is the place with a helpful hardware man, right? Dave Young: Yeah. And they’re helpful because they’re locally owned. So there’s always somebody in there that can, “This is not the glue you really want. You want this.” Stephen Semple: Right. Right. Dave Young: “Oh, I thought I just wanted Gorilla Glue.” But this guy knows. Stephen Semple: Right. Dave Young: So it’s two different experiences, and a lot of your choice in it is based on experience. Stephen Semple: Yeah, yep. Yes. Dave Young: I mean, shoot. When we lived in western Nebraska, they eventually got a Lowe’s, but they had a Home Depot first in Cheyenne, Wyoming. We were a hundred miles from there. Stephen Semple: Right. Dave Young: And there was a lumber yard in Sydney, and there was a hardware store in Sydney, and we would drive to Home Depot a hundred miles away. Stephen Semple: Yes. Yes. Dave Young: Because one, we could find any of it there. Stephen Semple: Yeah. Dave Young: And two, Cheyenne also had a Starbucks and a Baskin-Robbins and a… right? Stephen Semple: That’s the other thing that starts to end up happening, is you get one of these, and then the other things sprout up around that. Dave Young: Yeah. Yeah, you rarely see one off by itself somewhere. Stephen Semple: Yeah. Well, that’s the reason why you would see a movie theater, and then the restaurants go. Dave Young: Yeah, yeah. Stephen Semple: These things happen. But yeah. But you know, I was pretty impressed when I heard the history of Lowe, and also thought it was really interesting looking at this department store and bringing it across. And again, it’s that idea. Dave Young: Yeah. Stephen Semple: “Who outside of my world is doing this really well?” Dave Young: I kind of wasn’t surprised that their origin goes back as far as it did, because I think you always are going to assume that that started as a little hardware store somewhere, or a lumber yard. Stephen Semple: Yeah. Dave Young: But I was surprised that they started that growth curve as soon as they did. Stephen Semple: Yeah. Dave Young: Right? Stephen Semple: Yeah. Dave Young: So they were really the pioneers in that. So. Stephen Semple: Yep, and the key is you didn’t need more than 10,000 square feet, as you pointed out. Dave Young: Yeah. Well, you do today. Stephen Semple: Some of them are like, “Holy crap.” Yeah. Dave Young: You need 10,000 square feet in the kitchen part. Stephen Semple: No kidding. No kidding. Dave Young: All right, well, thank you for bringing that story, Stephen. I like that. Stephen Semple: All right. All right, thanks David. Dave Young: And congrats, Lowe’s, on decades and decades of money making as an empire. Stephen Semple: Yeah. Yeah. Awesome. Thanks, man. Dave Young: Thanks. Thanks for listening to the podcast. Please share us, subscribe on your favorite podcast app, and leave us a big fat juicy five star rating and review at Apple Podcasts. And if you’d like to schedule your own 90-minute empire building session, you can do it at empirebuildingprogram.com.

The latest Fed minutes show a deeply divided committee but a clear signal: no December rate cut is coming. Markets reacted fast, sending Bitcoin tumbling to new lows as leveraged traders piled in and ETF investors pulled out. NLW unpacks what the minutes reveal about the economy, why rate expectations are shifting, and how this is shaping crypto's end-of-year outlook—including Kraken's IPO filing and a major Bitcoin bet from Abu Dhabi. Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

11.21.25 Hour 4 1:00- It's time for ask B-Mitch anything where you get to ask the legendary B-Mitch... ANYTHING! 20:00- B-Mitch tells you the correct way to cook Gumbo, straight from scratch.

Hormone replacement therapy education is all the talk these days. But how do you cut through all the noise and get the right care for you?  Expert in the field, Dr. Sarah Daccarett joins the podcast to get straight to the point about how the CORRECT hormone replacement methods can do more than just symptom management. We want you to feel GOOD in midlife, not just symptom-free. A lot of providers aren't knowledgeable or confident enough in HRT options, leaving you with a one-size-fits-all treatment plan. And sadly, this causes thousands of women to be totally underdosed.  But Dr. Sarah offers something different that can potentially give some standardization for you. You can get predictable products and services at her company, Inner Balance. With a clinical team to check in with, and less HRT side effects than other formulations, Inner Balance is a safe and massively effective option for managing your midlife hormone symptoms.  Tune in here and learn how to get maximum benefit from hormone replacement therapy to live your brightest life! Dr. Sarah Daccarett, MD  After treating thousands of women who felt ignored with their symptoms or who were totally misdiagnosed, Dr. Sarah realized the healthcare system wasn't built for women, so she built something new. She's the CEO and founder of Inner Balance- a medical approach to female biology that works with women's bodies. It's your science-backed and compassionate solution to hormonal health, with the mission to close the gender gap in healthcare for good.  IN THIS EPISODE Why midlife women don't get the hormone help they deserve The massive gap in knowledge around hormone replacement  The difference between hormone treatment for men and women  The importance of paying attention to your hormone dosing Understanding lab markers for hormone levels  The neuroprotective benefits of hormone replacement  Why so many women are underdosed with hormones  About Dr. Sarah Daccarett's company, Inner Balance  QUOTES “It's because women need to understand that this convoluted messaging they're getting is suppressing them. It's keeping them misinformed and it's keeping them from living probably their fullest potential.” “A take home message for anybody listening is that it's not just the hormones that matter. It's the way you're trying to get them into the body. Unfortunately, we're all having to turn into hormone experts because doctors are not figuring it out for us, so we're doing it ourselves.” “Women, if you want to treat estrogen dominance, you should make sure that your estrogen is actually [high] enough that all these chemicals can't bind. Then you have enough progesterone to counterbalance it. So the treatment is not to lower estrogen, but to actually take it and then you'll feel better.” RESOURCES MENTIONED Order my new book: The Perimenopause Revolution  https://peri-revolution.com/ Use code ENERGIZED and get 20% off on your Timeline order http://timeline.com/ENERGIZED Inner Balance Website: InnerBalance.com Inner Balance on Instagram Dr. Sarah on Instagram RELATED EPISODES  #605: Breaking the HRT Confusion: The Truth Behind Hormone Replacement Therapy for Perimenopausal Women with Karen Martel 579: Hormone Replacement Options and Hormone Testing for Women in Midlife + Self Advocacy for Optimal Health with Esther Blum #647: Hormone Optimization Therapy (HOT) Isn't Your Mom's HRT + It's One Of The Best Strategies For Longevity with Dr. Amy Killen 680: You Are Not Broken: Why Women Need Testosterone to Feel Strong, Sexy & Energized with Dr. Kelly Casperson 

Adrian Rietveld is the Senior Manager for Global Tour Operations for TaylorMade Golf.  He is also the Equipment Specialist for PGA TOUR stars such as Scottie Scheffler, Rory McIlroy, Tommy Fleetwood and Collin Morikawa. Adrian joins Mark Immelman to discuss how using the appropriate Golf Equipment and engagin in personalized Club Fitting can help to improve ball-striking, trajectory control, power and consistency. As he shares insights on golf equipment throughout the bag, he tells stories from the TaylorMade Tour Truck with anecdotes from Scottie Scheffler, Collin Morikawa, Tommy Fleetwood and Rory McIlroy.  He also dives into the following equipment and game improvement topics: Proper Club-fitting Practices The Performance Influence of Grips The Performance Influence of Shafts The Performance Influence of Clubheads Reconciling "Feel" vs Data Insights when selecting Equipment The Value of Aesthetics, Feel and Sound in Club selection What to Look for during a Club-fitting Lofts and Lies and their Influence on Trajectory and Control Managing Clubhead Speed and Rhythm, and Blending Power and Accuracy in Club Selection. This podcast with Adrian will entertain and inform, and put you on a path to getting the correct equipment in your hands so that you can perform your best.  Share this with your friends and watch it on YouTube - search and subscribe to Mark Immelman.  

This week: FHFA director Bill Pulte convinced Trump to back 50-year mortgages with some posterboard and a photo of FDR.  Felix Salmon, Elizabeth Spiers, and Emily Peck, discuss why Trump's post about 50-year mortgages angered conservatives – officials and voters alike – and why they're more of a hindrance than a solution to the housing crisis. Then, the White House is considering limiting the power of proxy advisers and index-fund managers on shareholder voting. The hosts explain what this would mean for shareholders and how billionaires like Elon Musk and Jamie Dimon, vocal opponents of these firms, stand to gain even more power if they do. Then finally, Robinhood has announced a new service that delivers cash to your door and the hosts ponder the use cases and mechanics of such a thing.  In the Slate Plus episode: Can You Do That With a Comma? Want to hear that discussion and hear more Slate Money? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli and Cheyna Roth. Get 50% Off Monarch Money, the all-in-one financial tool at ⁠www.monarchmoney.com/SLATE⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices