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Nace la tarjeta iberoamericana de discapacidad para garantizar derechos y movilidad de 90 millones de personas de la región. Es iniciativa del programa Iberoamericano de la Discapacidad, con el impulso del Grupo Social ONCE. Esta novedosa tarjeta ha sido lanzada en Cuenca (Ecuador), en el marco de la XXIX Cumbre Iberoamericana de jefes de Estado y de Gobierno. Inspirada en el modelo europeo simplifica el reconocimiento de la discapacidad para desplazamientos, acceso a servicios y otras acciones.Escuchar audio
Mark Vandermass left New Brunswick, Canada for Cuenca, Ecuador and has no intention to return. In this episode Mark (aka @cdnrefugee) breaks down life in Cuenca and compares life in Canada to life in Ecuador as a retiree.
El compositor, formado entre su Ecuador natal, Nueva York, Buenos Aires y Alemania, trabaja con Stockhausen entre 1968 y 1972, y viaja a Japón para presentar su música en el pabellón alemán de la Expo 70deOsaka.Aporta a la escena experimental sonoridades populares latinoamericanas y ecos amazónicos._____Has escuchado“A Mouthpiece, para 6 vocalistas y electrónica”. YouTube Vídeo. Publicado por Mesías Maiguashca, 19 de junio de 2022: https://www.youtube.com/watch?v=Vzcnz-zfU7sAyayayayay: For Magnetic Tape (1971). Buh Records (2021)“Chulyadas-tarkyadas-sikuryadas (2010-2011)”. Soundcloud. Publicado por OEIN (Orquesta Experimental de Instrumentos Nativos), 20 de abril de 2021: https://soundcloud.com/oein/chulyadas-tarkyadas-sikuryadas-2010-2011-mesias-maiguashca“Nemos Orgel”. YouTube Vídeo. Publicado por Release-Topic, 15 de abril de 2021: https://www.youtube.com/watch?v=yKFBZBMex2U“ÜBUNGEN, Gaby Schumacher Violoncello, Mesias Maiguashca, Synthesizer”. YouTube Vídeo. Publicado por Mesías Maiguashca, 7 de febrero de 2017: https://www.youtube.com/watch?v=t5926Y0_tSA_____Selección bibliográficaÁLVAREZ-TORRES YÉPEZ, José Antonio, Tratamiento electroacústico de objetos sonoros en obras de Mesías Maiguashca. Tesis doctoral, Universidad de Cuenca (Ecuador), 2017BAYO MAESTRE, Norberto, “Contexto sonoro expandido en el pensamiento equinoccial contemporáneo”. Escena: Revista de las Artes, vol. 87, n.º 1 (2018), pp. 83-97GARCÍA MONCADA, Jorge Gregorio, “The Role of Symbolism as a Vehicle of Identity in the Music of Mesías Maiguashca”. A Contratiempo: Revista de Música en la Cultura, n.º 21 (2013), p. 4MAIGUASHCA, Mesías, “La Canción de la Tierra: An Itinerary, on the Occasion of Its Premiere on June 21, 2013”. Review: Literature and Arts of the Americas, n.º 46 (2013), pp. 288-292MOLERIO ROSA, Arleti, “Los enemigos, de Mesías Maiguashca”. Cuadernos de análisis y debate sobre músicas latinoamericanas contemporáneas, n.º 1 (2018), pp. 37-61RODRÍGUEZ, Edgardo José, “Dos versiones de lo latinoamericano en obras de M. Etkin y M. Maiguashca”. Arte e Investigación, n.º 19 (2021), s. n.VANEGAS, Bolívar Ávila, “… elé… Fantasía sobre Tránsito Amaguaña. Mesías Maiguashca, la guitarra y la comunidad”. Estudios sobre Arte Actual, n.º 9 (2021), pp. 227-238 *Documento disponible para su consulta en la Sala de Nuevas Músicas de la Biblioteca y Centro de Apoyo a la Investigación de la Fundación Juan March
Ecuador alberga la Cumbre Iberoamericana en un momento crítico para el país por la delincuencia organizada, los apagones y la sequía. Patricio Carpio, sociólogo y profesor en la Universidad de Cuenca (Ecuador). Escuchar audio
Versión en VIDEO. Tuvimos la oportunidad de dar una charla sobre Bitcoin e instalar el primer cajero de criptomonedas en la ciudad de Cuenca Ecuador; también celebramos de forma anticipada el famoso Pizza Day, día en el que se conmemora la compra de 2 pizzas por el precio de 10.000 bitcoins. La forma más fácil y segura de comprar Bitcoin en Ecuador: https://bitcoin.com.ec Si eres un nómada digital o freelancer y deseas recibir tus pagos en diferentes criptomonedas el mismo día, BITWAGE es la solución. BITWAGE código referido con $5 https://app.bitwage.com?referse=BaacjG Compra criptos con las comisiones más bajas en Atani Exchange: https://app.atani.com/#/signup/?r=AO8YYTP La Billetera para bitcoin COLDCARD con el 5% de descuento: https://store.coinkite.com/promo/0B71CE9CF9C8DE2907DA Consigue tu billetera para criptomonedas LEDGER aquí: https://shop.ledger.com/?referral_code=EFJ29ZXM5MFFJ La billetera más económica del mercado "SAFEPAL" la consigues con descuento aqui: https://fas.st/t/KMQWptTp Contacto: @jlandyr, https://linktr.ee/bitcoinycriptos Gracias por tu aporte en Bitcoin Lightning ⚡️ bitcoinycriptos@getalby.com Escúchanos en Fountain y apoyarnos con algunos sats : ⚡️https://www.fountain.fm/show/XYcV41nUHGGmXAf19NK7 Recursos mencionados en este podcast: www.bitcoin.org https://linktr.ee/bitcoinycriptos www.bitcoin.com.ec Libros recomendados sobre Bitcoin. El pequeño libro de Bitcoin Diplomado en Bitcoin
Nathan Lake, an expat from Seattle lives in what many consider the most beautiful city in Ecuador…Cuenca. The city center of Cuenca is a UNESCO World Heritage Site due to its rich history and historical buildings. Not only is this city beautifully picturesque, it also offers perfect weather year-round and has a quaint European feel. What's better, Nathan lives very comfortably under $900 per month! Thank you for listening & viewing! Please subscribe to our Youtube podcast here: https://www.youtube.com/@adventurefreaksss?sub_confirmation=1
In this week's podcast, host, Jim Santos speaks to expat Donna Stiteler. For many years, Donna served as International Living's Ecuador Correspondent from the city of Cuenca, Ecuador. Cuenca, a highland city built in a steep-sided valley deep in the Andes mountains, is an established expat location. In fact, many would claim that it's the world's premier expat city. Due to its elevation and latitude, Cuenca enjoys a dependable, spring-like climate where the temperatures peak at around 75 F, and dip to cool evenings in the low 60s F…every day of the year. The city center is bisected by the clean waters of the Tomebamba river, but such is the nature of the lush, mountain hinterland, there are another four rivers flowing through the metropolitan region.With quiet trams providing excellent public transport, taxis which will whisk you across the city for $3, and a major bus station connecting Cuenca to the rest of Ecuador and beyond, there's really no need to own a car in the city. That's just one of many savings which combine to create a lifestyle that Donna claims reduced her stress and worries to a point where it saved her life. Living more of her life outdoors, eating more healthily, no longer slaving her life away to make ends meet…Donna has found a life in Cuenca that she couldn't have possibly imagined, or afforded, back in the States.Settle in and listen to Donna's inspiring story, as Jim Santos hosts the latest episode of International Living's Bigger Better World podcast.Read Donna's cover story in the February issue of International Living magazine: Expat-Friendly Cuenca Grows Up: Easy Living in Ecuador's Affordable Retirement Haven. If you haven't become a member yet—you can do it today with a special discount offer for podcast listeners. You'll receive our monthly magazine plus a bundle of special extras, including our 2023 Global Retirement Index. Subscribe here: https://intliving.com/podcast.Facebook | Instagram | Twitter | YouTubeMusic: Royalty Free Music From timtaj.com.
En este primer episodio de la tercera temporada analizamos lo que depara para Bitcoin y otras criptomonedas en 2023: Aniversario, regulación, adopción, impuestos, etc. Si deseas conseguir Bitcoin y otras criptomonedas de la forma más fácil y segura en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Telegram: https://t.me/BitcoinATM_EC_bot Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: Aniversario Bitcoin: Bloque génesis cumple 14 años Cinco gobiernos que adoptan activos digitales 2023: ¿será el año de la regulación? Crece el pago con criptomonedas en Argentina España: retrasan la regulación que obliga a declarar criptomonedas Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En este último episodio del 2022 les cuento mi experiencia en el Mundial de Qatar 2022 y cómo las criptomonedas están presentes en este evento por primera vez. Si deseas conseguir Bitcoin y otras criptomonedas de la forma más fácil y segura en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Telegram: https://t.me/BitcoinATM_EC_bot Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: Crypto.com auspiciante del Mundial Qatar 2022 Upland.me (coleccionables digitales del Mundial Qatar 2022) App futbol ecuador Wrapped Spotify Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En este episodio repaso varios artículos sobre la minería de Bitcoin donde explican porqué la minería de Bitcoin no es un desperdicio de energía y cómo puede beneficiar a la industria eléctrica. Si deseas conseguir Bitcoin y otras criptomonedas de la forma más fácil y segura en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Telegram: https://t.me/BitcoinATM_EC_bot Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: https://bitcoinmagazine.com/business/bitcoin-mining-is-not-wasteful Episodio 18. El Patrón Bitcoin: https://anchor.fm/juan-landy/episodes/18--El-Patrn-Bitcoin-Saifedean-Ammous-Lo-ms-interesante-del-libro-e15f76p/a-a69dmtn https://www.criptonoticias.com/mineria/4-beneficios-mineria-bitcoin-para-industria-electricidad/ Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En este episodio revisamos las estafas cripto más populares en los últimos 12 años, como identificarlas y cómo puedes evitarlas. Si deseas conseguir Bitcoin y otras criptomonedas de la forma más fácil y segura en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Hasta el 31 de octubre 2022 puedes utilizar el código promocional LACIGALE para obtener un 5% de descuento. Más información: https://batm.eurekadevelopers.com/es/spanish/ Telegram: https://t.me/BitcoinATM_EC_bot Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: https://www.dusanmatuska.com https://www.coinomi.com/en/ ¿Cómo funciona un cajero Bitcoin? https://coinatmmap.com https://coinatmradar.com https://hodlhodl.com https://localcryptos.com https://bitcoinfees.earn.com https://dcabtc.com/ América Latina es la segunda región con mayor crecimiento en el uso de criptomonedas Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En este episodio revisamos las estafas cripto más populares en los últimos 12 años, como identificarlas y cómo puedes evitarlas. Si deseas conseguir Bitcoin y otras criptomonedas de la forma más fácil y segura en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Telegram: https://t.me/BitcoinATM_EC_bot Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: https://coinmarketcap.com/alexandria/article/5-of-the-biggest-crypto-ponzi-schemes https://historia.nationalgeographic.com.es/a/charles-ponzi-gran-estafa-americana_16669 https://youtu.be/DAYPKDwScb4 https://youtu.be/wFsC8-1EGqk Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En este episodio revisamos 2 artículos donde se explica los aspectos principales de Bitcoin y cómo gobiernos y bancos centrales podría (o no?) detener Bitcoin. Si deseas conseguir Bitcoin y otras criptomonedas de la forma más fácil y segura en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Telegram: https://t.me/BitcoinATM_EC_bot Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: https://medium.com/@interstellarbitcoin/bitcoin-has-already-won-bf2388d191bd https://bitcoinmagazine.com/culture/how-countries-could-kill-bitcoin-adoption Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En este episodio revisamos los puntos más relevantes de los últimos días después del cambio del Ethereum de PoW a PoS. Si deseas conseguir Bitcoin y otras criptomonedas de la forma más fácil y segura en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: https://2miners.com/blog/choosing-proof-of-stake-over-mining-is-ethereums-biggest-mistake-and-here-is-why/ https://www.rsk.co/integrate/ https://finance.yahoo.com/news/ethereum-miners-quickly-dying-less-202251669.html?soc_src=social-sh&soc_trk=ma https://es.cointelegraph.com/news/does-ethereum-s-new-ethpow-fork-stand-a-chance-ethw-price-falls-65-post-merge https://whattomine.com/ https://miningpoolstats.stream Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En este episodio converso con Mauricio Rubio, empresario ecuatoriano que ha tenido la oportunidad de viajar a El Salvador y vivir la experiencia Bitcoin. Además nos cuenta sobre su proyecto de turismo comunitario con Bitcoin Lightning en Ecuador. Si deseas conseguir Bitcoin y otras criptomonedas de la forma más fácil y segura en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: https://twitter.com/maurorubiot https://anchor.fm/juan-landy/episodes/31--Experiencias-con-Bitcoin-en-El-Salvador-con-Carlos-Toriello-de-IBEX-Mercado-e1b9a37 https://anchor.fm/juan-landy/episodes/13--Carlos-Toriello---Hiperbitcoinizacin-de-Centroamrica-e13crk2 https://lightninghats.com Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En este episodio te cuento todos los detalles importantes que debes saber antes de la fusión de Ethereum a su versión 2.0; también menciono cómo debes prepararte para seguir minando criptomonedas con tarjetas gráficas después de la fusión. Si deseas conseguir Bitcoin y otras criptomonedas de la forma más fácil y segura en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: smart contract: https://waveportal-starter-project.privacymatters.repl.co https://whattomine.com https://academy.bit2me.com/que-es-ethereum-merge/ https://youtu.be/aZ4pQP-0NiA Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En este episodio les presento el protocolo Tornado Cash, del que se ha hablado mucho últimamente ya que se ha visto en problemas por parte de gobiernos incluso llegando al punto de encarcelar a desarrolladores de software que contribuyen con el proyecto. Si deseas conseguir Bitcoin y otras criptomonedas de la forma más fácil y segura en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: https://es.beincrypto.com/aprende/tornado-cash/#que https://es.beincrypto.com/arresto-desarrollador-tornado-cash-genera-protestas-amsterdam/ https://conandaily.com/2022/08/15/alexey-pertsev-biography-10-things-about-tornado-cash-developer/ https://es.beincrypto.com/congresista-pide-tesoro-eeuu-explicar-sanciones-sin-precedentes-contra-tornado-cash/ https://es.beincrypto.com/tether-desafia-sanciones-estados-unidos-mixer-tornado-cash/ Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En este episodio revisamos 4 alternativas para utilizar internet sin una conexión a internet. Si deseas conseguir Bitcoin y otras criptomonedas de forma anónima en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: https://cryptomode.com/4-ways-to-use-the-bitcoin-network-without-an-internet-connection/ https://blockstream.com/satellite/ https://www.reddit.com/r/Bitcoin/comments/nuwrw1/president_nayib_bukele_satellite_infrastructure/ https://github.com/MuleTools/PonyDirect https://rusnak.io/how-to-send-bitcoin-transactions-via-sms/ https://es.cointelegraph.com/news/bitcoin-without-internet-sms-service-allows-sending-btc-with-a-text Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
Después de 3 semanas de vacaciones, he grabado este episodio donde explico 4 formas de conseguir Bitcoin y otras criptomonedas de forma anónima, sin pasar por el tedioso proceso de KYC (Know your customer) obligatorio en la gran mayoría de Exchanges. Si deseas conseguir Bitcoin y otras criptomonedas de forma anónima en Ecuador, te recomendamos usar el cajero cripto ubicado en La Cigale, en la ciudad de Cuenca - Ecuador. Más información: https://batm.eurekadevelopers.com/es/spanish/ Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: 1. https://es.beincrypto.com/aprende/comprar-bitcoin-btc-forma-anonima/#barato 2. https://haveibeenpwned.com 3. https://simplelogin.io 4. https://batm.eurekadevelopers.com/es/spanish/ 5. https://www.ibexmercado.com 6. https://mullvad.net/es/ 7. https://hodlhodl.com 8. https://bisq.network 9. https://localcryptos.com/r/cryptoprivacy 10. https://swapspace.co?ref=3ad4a36e2fe87782bac11246 Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
Tuvimos la oportunidad de dar una charla sobre Bitcoin e instalar el primer cajero de criptomonedas en la ciudad de Cuenca Ecuador; también celebramos de forma anticipada el famoso Pizza Day, día en el que se conmemora la compra de 2 pizzas por el precio de 10.000 bitcoins. Si te ha gustado este episodio y deseas aportar al canal con una donación en puedes hacerlo a las siguientes direcciones: Bitcoin: bc1q3qev0x49text6ucf45jywpfhacy4gj6lxahffg Ethereum, USDT, USDC (erc20 tokens): 0x251781a90A2F97a0Fb4977D10168EB6c4Aaa4aF0 Litecoin: ltc1qlyzpe38wm0vctxztjklavvun04xl9ae27n4c0g Exchange para criptomonedas, cambiar de BTC a ETH o cualquier otra cripto en nuestro exchange: https://swapspace.co?ref=3ad4a36e2fe87782bac11246 Ahorra en Bitcoin y obtén préstamos Bitcon a USDC con Ledn Compra tarjetas regalo de Amazon, Corte Ingles y mucho más en Bitrefill IBEX Pay - Recibe pagos en Bitcoin (código referido 1387adfe): https://ibexmercado.com/ibex-pay/ Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: White paper Bitcoin Cajero bitcoin en Ecuador Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
En esta ocasión fuimos invitados a la radio Super 949 de la ciudad de Cuenca - Ecuador, para conversar sobre Bitcoin y presentar el único cajero Bitcoin que funciona actualmente en ese país. Si te ha gustado este episodio y deseas aportar al canal con una donación en puedes hacerlo a las siguientes direcciones: Bitcoin: bc1q3qev0x49text6ucf45jywpfhacy4gj6lxahffg Ethereum, USDT, USDC (erc20 tokens): 0x251781a90A2F97a0Fb4977D10168EB6c4Aaa4aF0 Litecoin: ltc1qlyzpe38wm0vctxztjklavvun04xl9ae27n4c0g Exchange para criptomonedas, cambiar de BTC a ETH o cualquier otra cripto en nuestro exchange: https://swapspace.co?ref=3ad4a36e2fe87782bac11246 Ahorra en Bitcoin y obtén préstamos Bitcon a USDC con Ledn Compra tarjetas regalo de Amazon, Corte Ingles y mucho más en Bitrefill IBEX Pay - Recibe pagos en Bitcoin (código referido 1387adfe): https://ibexmercado.com/ibex-pay/ Contacto: @jlandyr, Telegram, Spotify, Youtube, Apple Podcast Recursos mencionados en este podcast: Cajero Bitcoin Cuenca - Ecuador BOT Cajero Bitcoin en Telegram Ubicación cajero Bitcoin Información sobre Bitcoin Libros recomendados sobre Bitcoin. Internet del dinero #1 Internet del dinero #2 Internet del dinero #3 El pequeño libro de Bitcoin El Patrón Bitcoin
Paul Vázquez Arquitecto, director de Inai Arquitectura oficina de diseño reconocida de Cuenca -Ecuador apasionado por el diseño y la construcción, conversamos sobre las historias que se pueden contar con las edificaciones
Chad Carson is an Entrepreneur, Writer, and Teacher, who Co Owns over 100 Units of Rental Property and Private Lending In and Around the College Town of Clemson, South Carolina. He wrote an Amazon Bestselling book “Retire Early With Real Estate”, and his story has been featured on Forbes, Yahoo Finance and more. Chad, His Wife, and Two Kids Recently Returned from 17 months Living Abroad in Cuenca, Ecuador. Each Week Chad Shares Tips, Strategies and Stories on His Popular Blog Podcast on Youtube Chanel CoachCarson.com In this episode we talked about: • Chad's Bio & Background • Flipping Houses • Ups and Downs of Students Rental Space • De-Risking Real Estate Deals • Valuation Metrics of Single-Family Rentals VS Student Rentals • Raising Capital in College Towns • Chad's Plan for Tomorrow • House Hacking • The process of Writing the“Retire Early With Real Estate” Book • Chad's Thoughts and Views on Interest Rates and Inflation • Unlevered Yield • Coaching and Blogging on Youtube Channel • Mentorship, Resources and Lessons Learned Useful links: https://www.coachcarson.com https://www.instagram.com/coachcarson1/ Transcriptions: Jesse (0s): Welcome to the working capital real estate podcast. My name is Jesper galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. All right, ladies and gentlemen, my name is Jesper gala and you're listening to working capital the real estate podcast. My guest today is Chad Carson, AKA coach Carson. Chad Carson is the author of the bigger pockets book retire early with real estate. And he is an entrepreneur writer and teach and teacher who cones over a hundred units of rental property in Clemson, South Carolina, Chad used real estate investing to reach financial independence before the age of 37. When he, his wife and two kids decided to spend 17 months living in Ecuador in south America each week. Chad shares tips, strategies and stories on his popular blog podcast and YouTube channel coach Carson, coach Carson. How's it going? It's great, Chad (1m 2s): Jesse. Good to see you. Good to see you again. And we were on a panel not too long ago, so nice to connect. Jesse (1m 7s): Yeah, absolutely. Yes. We were in new Orleans on the a at BP con, which was a lot of fun. I've talked about it on the show. It was nice to get out there since the last one in Nashville, which I guess was two years before that. Right? Chad (1m 20s): Exactly. Yeah. It's like the rockstars of real estate. You get to hang out with people and talk about the market. Talk about all deal making. It's a lot of fun. Jesse (1m 30s): Yeah, absolutely. And you know what I did forget to mention you are also a, a alumni of Clemson football. So go tigers. Chad (1m 38s): Yeah, exactly. We're not doing so hot this year, but for the, any of the college football fans, Clemson's usually up there, but this year we're a little, a little soft. Jesse (1m 46s): And if I remember correctly, you're you played linebacker back in the day there Chad (1m 50s): I did. Yeah, that was my that's how I paid for my school. So luckily I didn't have it as far as I know, no permanent damage, you know, concussions, things like that, but yeah, it was middle linebacker. I was about 40 pounds bigger and had a, had a lot of fun doing that at the, at that time Jesse (2m 5s): Weight loss period that that happens after the, the college football day. Chad (2m 9s): It either it either goes one or two directions. I lost, I lost my four day in that like all the little small guys now on the team are like enormous. So they found all the weight that I lost. Jesse (2m 18s): Sorry, the secondary maybe gained some weight and then you get the lineman that, that cut it Chad (2m 23s): Down. Yeah, exactly. Right Jesse (2m 25s): On. Well, thanks again for coming on. I thought it would be great to have you on the show since that panel, that we were on a lot of the questions that we got seem to be still topical today, before we kind of dive into, you know, what's currently going on with real estate and what you're doing for listeners, maybe you can give a little bit of a background about how you got into real estate and what you've been up to since, since that's first started. Chad (2m 49s): Sure. Yeah. So when I graduated from college, so at Clemson university, I thought I was going to go to play football and NFL, and that was a dream that quickly got shattered. And then I also was a biology major college. So I was considering going into medical school, kind of that direction. Also had some job offers in the financial world, you know, working like on wall street, that kind of thing. But I was really always really interested in the lifestyle of a real estate entrepreneur and particularly a small real estate entrepreneur who sort of controls your own destiny and works out of the house and keeps overhead small. And so a business partner and I started flipping houses pretty soon after I graduated from college and we scraped by and figured out ways to come up with capital to buy primarily single family houses, fix them up, flip them. And then over time that worked out pretty well and we were able to make a living. And we, I think that was 2003 when we started by 2006 and seven, we also started buying some rental properties as well. And in particular, we got into the niche of college student rental properties eventually in Clemson, South Carolina. So we're in a college town. So that just seemed to be the best fit for finding a good balance of cashflow and growth and good longterm stability and wealth building was with those kind of small multiunit properties, duplexes, fourplexes with a 12 Plex. We have some kind of aggregated land that we have with multiple apartment units on it as well. But that's where we are now. Today is a, we have 110 units. Most of those I'd say 60% are those college student rentals, but also have a mix of single family houses, mobile homes, things like that. Jesse (4m 23s): Yeah, that makes sense. And in terms of the, the first ones that you got into, not, I guess dissimilar from a lot of people that get into our, our space coming at the kind of value add flipping, was that something that at that time you thought might be the direction that you'd go to, to do flipping or, or was it, you know, it's a little too hands-on and maybe passive or somewhat passive is the better, better. Chad (4m 46s): Yeah, I mean, I looked at it as is, it's a great way to add value and that, particularly for me, I didn't have any capital upfront. So I just, I don't know where I heard it, but I just learned that if you can find a good deal and in any market, then the capital is out there. There's there's and I think that's more true today than, than ever that we are flooded with capital. I mean, there's people who are looking for deals, there's money, that's looking for deals, but if you're that small entrepreneur or big entrepreneur who can go out and find a lot of real opportunities that have either equity that you can add value to today, or you can find good longterm cashflow in long and growing, growing markets or markets are good opportunities. I just found that skillset that I learned early on was so valuable for all sorts of things and it put food on the table to start off. But over time I found that acquiring equity that I could work one time, do all the work upfront and then have that paid dividends for a really long time. That was just very enticing to have that because it fit into the lifestyle goals that I had, not just, I love working, I love projects, but real estate to me, the power of it is how it starts in the beginning as a startup. You had put a lot of work in, but it becomes a relatively passive investment that gives you a lot of lifestyle freedom and the end. Jesse (6m 0s): And at that time, I mean, getting into student rentals, was that the approach initially, or was it just that that's where you were finding Chad (6m 8s): It was not my approach originally. It was mainly to single family houses and typical suburban kind of subdivisions is where we found a lot of our early deals. And I still like those single family house deals for what they are as well. But I actually did a house hack where I lived in one unit and rented out the other, my first introduction to college student rentals. And it was just where I wanted to live. It was near the college town. It was near just the place I wanted to be. And I found that I just, I think I started from that getting to know the, the tenants themselves. So I live next door to a wonderful Chinese couple who are getting their PhD in some kind of health, health initiative, or I'm sorry, healthcare or biotech, I think it was. And then another, you know, had like an international flavor, had China and the other guy and his wife from South Africa and another one from another, you know, another country. And I just thought it really interesting, the people I was meeting and I thought they were really good tenants. And so it just that sort of just landing into my lap, having to find somewhere to live in a house act is a great way to pay for your living expenses. But after that, I said, there's gotta be more opportunities to buy more properties like this. And so we started picking up after you every year from there. Jesse (7m 21s): And in terms of the, the student rental angle, like I think we, we chatted a little bit in new Orleans that, that very similar, how I got started in real estate was, was in the student rental space. And, you know, you hear everything when you're investing in student rentals from, you know, it's, it's a complete nightmare. You're dealing with tenants, but maybe you can talk to listeners a bit about how that's a, it's pretty misleading. And, and if anything, it's, it's really, from a risk standpoint, I look at it at completely the other way around what most people will tell you. Chad (7m 50s): Yeah. It's like real estate in general. Some people run away from it because they heard that there's going to be tenants and toilets and people having leaks. And that's going to be such a big deal. Well, the same with student rentals, they hear that people have, you know, big parties and through kegs through windows, which I'm sure happens somewhere. Right. And in fact, I've probably been at some of those parties when I was in college, but, but it's not, it's not the, the, you know, it doesn't have to be that way. So a lot of there are a lot of good students, students who are renting their place and to take responsibility and you also have the, the parents are often helping pay, pay their way. That's just the reality of it. And so if you do that, you can, I, I have very little credit risk with my student rentals. We have almost always had payments on time. I can think of two situations. And now 18 years of investing a little bit less than that with student rentals, where I've had a credit issue on a student rental and the rest of the time, the rent's paid things. Thanks for taking care of. They have a security deposit. There are some damage issues here and there just like you would with any tenant. But I saw, I think the positive of student rentals as they be find the right university, the right town, the right place with the right dynamics, you're going to consistently get your rent. That's great. And the negative, I would say the drawback of it is it's a more higher high turnover type business. So you do have that maintenance, you know, maintenance turnover, and your, I found my maintenance cost to be higher than maybe some people would anticipate early on just because you're having to paint. You're having to clean up. You're having to do these things pretty often. And, but the flip side of that again, is that we are leasing period starts for student rentals. And now December before they, before August of the next year. Yeah. So here we are, actually, we're our property manager just talked to another day. They're starting right now, here we are beginning of November. So it gets earlier and earlier where know, at least in our market, students are trying to lock down their rentals pretty early. And so that's what we found is we can, pre-lease all of our, our rentals, very rarely do we have something that's vacant. Hmm. Okay. So we do have a vacancy period about 10 to 14 days when we're fixing up the property and doing the turnover. But that's like, there is no sitting there for, for one or two months waiting on finding a tenant there's pre-leasing, you know, turnover period. And then it's leased for 12 months. Yeah. Jesse (10m 8s): And I find in most markets, I'm not sure if, if for yourself, is that nine times out of 10, the occupancy is really only three quarters of the year. Some of them do, at least my experience has been, some of them do stay in the summer, but we typically see 12 month, 12 month leases paying rent for 12 months, but really occupancy either. Chad (10m 27s): That's exactly right. Yeah. And it's a pretty strong landlord market for us in our markets, even, you know, so we've been able to always negotiate that we don't do nine months leases or have to do subleases, but they, most of the people are gone or the summer, or maybe come for a few weekends here and there, but that's, that's the case for us as well. I'm curious, Jesse (10m 45s): Do you, de-risk further with having the least document several or in other words, if one person doesn't pay rent that the others have to come up with that rent, is that how you structure your, Chad (10m 58s): We do structure ours that way. Yeah. There's, there's other big operations in town who have like least by the bedroom type arrangements. We've always chosen not to do that. And we had explained that early on with a couple of students who, Hey, my roommate is not paying the rent. That's not my deal. I said, well, actually it is your deal. That's your, you look at, look at this like a partnership, you know, this is a marriage without the, all the good stuff. Right. You know, you're, you're married to your, to your, your partners here. And so they would all have to pay the rent and figure it out among themselves. And, and so, yes, it was very rarely happened, but that has been, that's come up. And so we, we do have that discussion with the lease with our private property managers to have that discussion. Now let them know that. Jesse (11m 38s): Yeah. And it's great because you have a kind of a, I mean, you have a private, private solution or private market solution, but you also have kind of social norms that factor into that too, where, you know, one person, when they have four other friends living in a place where, you know, parents have the lease and somebody is not paying, you know, the pressure to make sure that you, you know, you're on time and you do things properly. It's probably like, Chad (12m 1s): Yeah, they work it out. Yeah. There's the, yeah. You don't want to let down your roommates let down other people, so, or, or the handle it privately behind the scenes, you know, they, they work it out. Yeah. Jesse (12m 10s): And on the other side of the other flip side of the fact that there's more turnover, I know in markets that have more rent control or more, more regulatory red tape, they actually liked those landlords. Like the fact that there's more turnover, because then you can actually reset rents without issue. Chad (12m 29s): Yeah. That's been a big deal for the last six, seven years for it because the rents have gone up consistently every single year. And so rather than having to face that, how do I raise my rent on a good tenant kind of conversation, which is always tricky, right? You can now push it to market rent every single time. And the other benefit of that big lead time on your leasing period is that you can test out new rent levels without a whole lot of risk. And so if we push it too far and we can't find anybody, like we're getting zero leads at this new rent level, we can pull it back and say, okay, we're a little too aggressive here. Let's pull it back to this. And I've always found with leasing, I don't do the leasing anymore, but I've, I've done tons of leasing over in the past. And it's a really good skill to have because you can see that you can see the sensitivity to price, to the marketing you're doing to whatever. And if you get the right price, market match, I mean, it's like a faucet. Like you turn on the faucet on the water and the leads start coming through. I've always found. And so I think it's good to have done that myself because when I'm having conversations with my people who are doing our leasing, I don't have a lot of excuses. I might look, you know, it's either the property is not ready. It's either you're not promoting it well. Or the price is not right. It's one of those three, which one is it? And let's look, let's look at the metrics. Let's look at the numbers. How many leads are you getting? How many showings have you had? How many applications have you had? How many people are not renting is one of those, like we're having a problem. And one of those levels there Jesse (13m 52s): And how has the last a year or two Chad, how has that impacted number one, your business, or, and as well, your, your outlook on, on the space that you're in and potentially maybe where, where you'd want to be? Chad (14m 5s): Well, I mean, us personally, I was a little, I was scared during COVID, I'll be, I'll be, be honest about that. And the story, the story for me was where we, we are a big fish and a kind of a small pond or in a small town with a big university. We have a lot of our holdings in one place. And so as, as we've matured with our portfolio, looking to have some geographic diversification was always on our radar. And we've kind of been doing that both with, within real estate and also into equities and other things too. But it hit home with COVID because a lot of the COVID regulations, nobody really knew what was going to happen in March of 2020. And when the university where we are at Clemson university decided to go all virtual. My first thought my concern was, well, why would anybody come back to school? Like if they're going to be, you know, going virtual, they can do that from their home, wherever they live. And so I'm, I'm thinking, okay, you know, how much cash I need to save? In case we have 12 months of like 30% occupancy or 50% occupancy, I'm started thinking about worst case scenarios. And we start figuring out how much is that going to cost us to do that and how much we have to lower our rents. So that, that didn't pan out. It turns out most people came back and wanted to have their lease their, their, their apartments. Anyway, even though they were virtual, but it did imprint upon me, the fact that we have some vulnerability that we need just as a personal wealth building strategy, that diversification is really important. And that's, so this, this last year and a half or two COVID has been, that's been the message for us of de-risking our geographic exposure, but also just de-risking period. Like if we do have a situation like that, even if we're not geographically diversified, we we've made it to the place where we have enough, we have enough income, we have enough properties. So de-leveraging paying off debt, doing some things that are not real sexy or not real recommended for people who are always growing, but actually doing the boring, paying off your debt. You know what happens if you have a great depression or your rents go down, I can deal with that. If you, even, if you had, if you had no debt and you read sweat crater by 50%, that would be painful. You'd have to tighten your belt, but you wouldn't lose your properties because you couldn't pay your debt. It would be a totally different situation. Jesse (16m 13s): Yeah. And that's another thing we talked about on the panel. It's this idea, where's that balance of, of you don't want your, you know, to a certain extent, you don't want to have no debt because then, you know, your return on equity is not pretty, but at the same time, you don't want your loan to value or, or your debt to be so large that maybe you're cash flowing. But like you said, do you have a correction of 10% of the market, 15, 20, whatever it is. And then all of a sudden you are in negative territory. Chad (16m 38s): Yeah. And I, I just, I look at people that are a lot smarter than me only look at Warren buffet and people who, who build their business to be resilient. He he's an insurance business. He has to be reinsurers all the big insurers out there. And so he has to be cognizant that he can't predict everything and I've got to save a lot of cash. There is some leverage in his portfolio, you know, he has float and I'm sure it's some kind of long-term debt, some of his holdings. But if you look at the total debt that a company like Berkshire, Hathaway, Hathaway, or other mature companies have, once they've achieved that maturity, they're not aggressively trying to like spring every single bit of return out of their portfolio. They're more about not losing money, like not, not having habit. They want to survive for the next, for the long run. And I think there's a, there's some wisdom in that. I think we, we real estate investing is so debt heavy that we just assume that that's always the way things are done. And the people I know is just me personally, on the small level, who've really done well over the long run and who personally have a lot of peace of mind. And they're just not really worried about the ups and downs of the market are often the people with the most cash in the bank and the least debt. And so, I don't know, that's my, that's my personal correlation that I see out there. Yeah. Jesse (17m 47s): Yeah. I couldn't agree more with that. It just gives you, it gives you that little bit of buffer in terms of, of risk in general. Now, when it comes to, when it comes to student rental properties specifically, we've heard my partners and I actually more demand in the last little while I've had schools in our area, reach out to me and, you know, asking, are your listings still available because we don't, we just don't have the supply or is your market similar? Is, are you seeing that there's a bit of a supply challenge for student rentals? It's, Chad (18m 19s): It's been yes. For the most part has been that same scenario. We've, we've had some ups and downs because we're, we're in a pretty small market. So we have 24,000 students who go to Clemson university. There are 17,000 residents or the population of the city of Clumpson. So the university, and then the city, the city of 17,000. And then we have a couple little small towns, somebody we're very, it's a unique situation. We're very, we don't have a lot of other renters other than our students and our faculty. So when every time there's, there's been some supply excesses, when you have 2000 new units come out online at one, one year luxury student apartments. So sometimes your upper end, your upper rent type stuff, we have a few, you know, more closer to campus, higher rent stuff. Those get affected big time. Whenever the new stuff comes on on the market, it's like throwing a big rock in a pond, you know, and we're in a small pond as everything gets kind of shaken up. So we had some vacancy issues for on a couple of properties, but for the most part that kind of stabilizes and the, the D the overall driver of that is the student population has been increasing at the university consistently, probably two or 3% per year. And the supply doesn't always keep up with that perfectly. You know, sometimes it goes above it. Sometimes it goes below it, but in general, I think if you're in a college town, that's the, that's the metric you need to pay attention to is student population, and then whatever other population of faculty and those kinds of things go with that. And then if you're in a larger college town than we are, which I think is healthier, actually, if you're in like a a hundred thousand person college town, or a bigger city, you also have other industries that are related to the university high-tech industries, things like that. And I think that's an interesting mix because then you can cater to the two different segments of the market. Not only be, you know, renting to students, you can kind of have some cross, cross marketing to different populations out there. Jesse (20m 5s): Yeah. We've seen that in, in most of the areas that we had seen residents, it's been more so like 170,000, 200,000 population wise, and then, you know, 30, 40,000 on the student side. So yeah, it's funny that they, you know, in Clemson, it's pretty much a, you know, you double the double, the population there when school's in exactly, in terms of the way you value on that student, on the student rental front, do you typically do what we do and that it's not a per door metric, it's usually a per bed metric. And how do you look at valuation when it's, you know, single family versus student Rez? Chad (20m 42s): Yeah. We look at it per bedroom as well. And there's a little bit of a, you know, kind of a gray area when you get into some of the lower price rentals where, you know, there there's some, a few that we rent to student grad students, or maybe also some regular local, just kind of people who just need a rental, but when you're in the pure student rental, yeah. We look at it, whether it's, you know, it's a four bedroom apartment that that's, you know, that's pretty clear, or sometimes we have two bedrooms and one, we, we, the two bedroom apartment, we're always looking at it like on the per bedroom basis. And we also value it that way. So we, you know, we'll, we'll work it backwards to try to get almost always to some kind of rental yield number, you know, a cap rate rental yield, or trying to understand what if we paid, no, we had no debt on this property. You know, what is the yield on the, on that? And that's, that's the first level of valuation that we'll do. And I I've always liked it speaking back of debt. Again, you know, you have a cost of capital, you have a cost of debt, both either your debt costs or an equity cost, if you're splitting the deal with other people. But to me, the main metric that you have is that, that rental yield like an unleveraged rental yield, because that's what you're using to distribute to the debt and to your partners and everybody else. And so I just, I've always kind of used that as my, my true north. Not because that's the only way we're going to make money, but because that's what gets me through the ups and downs, that's what got us through 2000 7, 8, 9, because we were able to pay our bills and have some, have some cushion there. And so that's, we start with that. And that, that metric has not been as attractive the last couple of years, as it was earlier, you know, as interest rates have gone down rental yield, unleveraged, rental yields have gone down as well as the prices have gone up. So people are just willing to buy properties with lower rental yields, but that's also made it more important to find deals, to have more kind of hidden value add or hidden upsides. So I found that really knowing my market street by street, knowing what the things that are most important to my students are, for example, being close to public transportation, being on the bus line, also walkability. And bikeability, I think that's, that's my biggest personal metric. Like when I live somewhere, I want to be close to bike trails and walking, and, and I, I feel like that is a generational thing where people go to college towns, they often have a walkability and bikeability, that's pretty good. Clemson's not so good. I've been trying to work on that on the side, trying to get that better, but I think they go there and then they go to other towns and like, Hey, I remember my college experience was so walkable and bikeable, they want to go find places as, as once they find their first apartments and houses that also have that. And so I think that's a really important trend, you know, nationally with, with different, different markets that we're in. But I think that from a college town standpoint, if you can find the numbers are important and leveraged yield, but we're also trying to, if we're going to buy and hold for a long period of time, I want to find the places that are better than others in town, whether that's distance the campus along a bus line, along a bike lane, some kind of, you know, just a character in the market, big trees, nice, nice sidewalks, things like that that are harder to replicate when people build new construction. But if you can buy that from an existing property that gives, that gives you some extra value. Jesse (23m 48s): Yeah. I like the, the unleveraged yield approach, but, you know, it's kind of, here's, here's a net yield for a property and, and kind of getting, you know, taking out the debt first as an analysis, it makes a lot of sense in terms of the, the walkability I find interesting too is cause when you go to certain college towns, to your point of knowing the specific market is that some college towns, you know, their tolerance for, you know, a hundred more yards or 200 yards, it might be lower or higher than other universities. I know in our area, some universities, if it's, if it's a five minute more walk, all of a sudden, you know, that they rule that out or a specific property, they're like, no, we're not, we're not going on that side of the street. Chad (24m 27s): All right. Yeah. You gotta, you gotta go block by block. Right. I mean, you just got to know that's where local market knowledge is so critical. Yeah, Jesse (24m 33s): Absolutely. So in terms of, as you, as you kind of continued to, to get, you know, get more properties, you're now over a hundred units in terms of where you want to be next, when it comes to whether it's apartment building, student residence, what does that look like for you, Chad? Chad (24m 50s): Yeah, we're sort of thinking of, you know, I'm not saying contrary contrarian, but my lifestyle has sort of dictated the way I'm going to build my business. And I have a healthy respect for like bigger businesses and people who build big, you know, big syndications, but that's, that's been like the opposite of what my business partner and I are trying to do. We sort of hit a level where we said, here's the fork in the road for us. We're either going to continue growing. And by other units, we could replicate what we've done here and doing it another college town or another city, and raise a lot of capital and do that. Or we could just say, all right, this is, this is as big as we want to get our business. And we actually frame it as like a small and mighty business, like this, keep this thing deliberately small so that we can then have space to do other things. And for me, other things are teaching other people how to do it. And I have a podcast as well, traveling with my family, doing, you know, consulting here and there for other people doing a YouTube channel. So it's just, it's more of a personal choice. This isn't as much. So the personal choice has dictated that our real estate investing business is not going to get any bigger. And so going back to the de-risking conversation, that's another reason that we, we look at, you know, I looked at the cashflow, our business produces from the gross revenue. And then after deducting all of our expenses, capital expense reserves, all of that. Here's how much income we needed. Here's how much we have and we're in. We're pretty good there. So the next step for us is do, is let's, let's make sure this foundation, this castle, that we've, we've built, can't be taken down and there's no guarantees in life, but some of the ways that could happen would be debt that's that's the main way I've seen people mess up their real estate careers in the past. So either stabilizing the debt, getting longer term debt, low interest rates, making sure that stabilize and making sure we have enough cash reserves. And in some cases just paying the debt off, even with, even if that doesn't make sense from a growth standpoint, that's more of the ambition we're having of the next few years, what we might sell a property there that is not an ideal property. And in the past we would do a 10 31 exchange or something into another property. Some cases we're just paying the tax and paying, paying another set of debt off on that property. So that's, that's kind of where we are. That's our ambition. And then also just trying to help other people do the same thing on a kind of that small and mighty scale. Jesse (27m 4s): I like that small mighty, but I mean, it makes sense too. It's, you know, when you're talking about it might not be as an attractive return, you know, if you're not doing a syndication or you don't have investors, it really is not as big of a deal. You're not, you don't have a fiduciary obligation to them. It sounds like up to now, you've, you've worked with partners or bootstrapped the, the financing side of it is that, is that pretty much how you've done it to date? Chad (27m 27s): Yeah, we primarily have done private capital, but just very simple private capital. Like we had a, an professor of mine at Clemson when I first met him, one of our first deals, he would loan us the money. And I, he actually didn't realize that at the time I learned that you could do a self-directed retirement account where you, instead of just investing in stocks and bonds and things like that, there's these kind of boutique custodians who allow you to make loans to other people against real estate or buy a limited shares and syndications, for example. And so I showed him that he could do that and he was like, oh, that's interesting. Well, what do you want me to do with it? And I said, well, how about you loan me money for this flip that I'm doing and I'll pay you 10% interest. And he said, that sounds good. Okay. And he said, you're going to do all the work. I said, yes, I'll do all the work is so it started off that way. And then we sort of branched out and eventually said, well, we don't want to flip it anymore. We just want to hold these properties. And so we can't pay 10% interest and make that work. So we started just paying 6% interest for most of our deals. And then we would extend the terms out, you know, instead of doing, you know, a one-year term, let's do a 15 year term and have it, have it go longer. So that that's been a large majority of what we've done is private capital. Often through self-directed retirement accounts, we've done a lot of seller financing where a seller, instead of them selling their property and paying taxes on it, we'll offer to buy their property. And it's often landlords who are just trying to get out of the business and then we can get really attractive, low interest rates with them. And so it's been a mixture of that kind of capital with a little bit of commercial debt as well. And then, so, so when we, when it comes time to pay stuff off though, it's, it's just the person who has a bond, a debt, you know, instead of it, these are me and my business partner are the only equity partners. We don't have any other, other people who are working with us on that side. Jesse (29m 8s): No, that's great. You've, you've kind of found a, an in between, right. Between the larger syndication or asset specific capital raising and, and just doing it all on your own in terms of the, so the structure that you have now, you've, you've purchased these properties over the years, and you're now doing coaching and teaching. When it comes to retire early with real estate, the book that you worked with with bigger pockets, how did that come about? And in terms of, you know, putting that out there and, and how long ago was that, that, that the book came out? Chad (29m 39s): Yeah, it coincided with my family. I were in Ecuador. You mentioned that at the very beginning, we decided to take this sabbatical trip and it was sort of just, it was representative for us that, all right, we're, we're, we've hit a plateau, we've got enough income coming in. There's still work to be done, but we're ethic, we're at a good place. And so we traveled and then our daughters were three and five years old and my wife teaches Spanish. I like, we like foreign languages. So they learned Spanish and enrolled in schools locally. And we just enjoyed living. There, just went to Cuenca Ecuador at the same time though, you know, always thinking of what's next. And I had been writing a blog for bigger pockets or writing on their blog and had my own blog going on. And, and just, I think I was talking to Brandon Turner. It was some conference and he said, oh, you got to write a book, Chad, just pitch this pitch, the book idea at a bigger pockets. And so that was, you know, a year or two before we went on that sabbatical. But I, I decided to write the book while we were at Ecuador so that everybody else would go to bed, you know, eight, eight or nine o'clock. They put the kids to bed and then I'd write for like an hour or two. And for me, it was just, it was putting into a framework what we had done in our business. So from, I used the metaphor saying, you start at the bottom of a mountain, you're looking up at the top of the mountain. The top of the mountain is this idea of financial independence. When you have enough wealth to pay all of your personal expenses, whether that's rental income in our case, or if you own stocks or something else. And so I tried to give people several different routes up that mountain, that how do you do that? How do you do your first deal and get that first capital when you don't have a lot of capital or have a lot of knowledge often through house hacking often through, you know, maybe move into a house and then, you know, move out of the house and keep it as a rental or, you know, doing some burrow strategy type deals when you don't have a lot of capital. And then, but then, you know, moving up the mountain, some of the conversations we've had here, like how do you get to a place where you feel more confident that you can actually live off of your income and actually have a, have time, have free time to do things. So I talked about some of those strategies and having backup plans to your backup plans, you don't have side hustles and things that would make them make you some extra revenue. So it was sort of a, it was a blueprint type book, but then it was also, I interviewed, I think it was 700. I did a survey of 700 people who were aspiring for financial independence or had already achieved it. And then I profiled 25 of them who are at different levels of their real estate journey. And just talk to ask practical questions, like how many properties do you have? How much income do you need to retire? And so it's all these kinds of financial independence, retirement oriented questions. And I told their stories kind of in between the chapters of the blueprint that I've put together in the book. Jesse (32m 6s): And how long ago was that, that that book Chad (32m 8s): Came out 2018 was when it was published. Jesse (32m 10s): So definitely, definitely still topical in terms of the, the process. I'm always curious, you said your you're writing it when you were away. I imagine it was a lot of work. How was the tactical process of writing the book? Chad (32m 25s): Yeah, I started with a big outline and, you know, as, as a blogger and you're a podcaster, I think we have content that we put out there where, where idea, we're always putting ideas together. So I had a lot of ideas in mind, but it's a pretty grueling in terms of yeah, just researching and get it. You know, I wrote probably 120,000 words for a book that ended up being 65,000 words, you know? So you cut like half of it out and had friends read it and say, yeah, that sucks. You don't want to do that. You know? And it says the brutal process is not, I mean, writing on a computer is one thing, but just the, the reflective process of putting your ideas out into the world and having them, you know, critiqued, thirdly, stomped on and beat up. You know, I think my linebacker training was probably the best training I could have had for that, just because I had football coaches who would just scream at you and yell at you. And, and so the end, the end result though, you hope is, you know, it could always be better, but that the end result of that is very satisfying when you get it out there. And the good thing about publishing with bigger pockets, who I know you're you're involved with as well, is that they have a platform. They have people who are interested in the book. So the marketing, the marketing side of things is not my strength. And so I like the writing. I like the teaching. I like sharing, but marketing yourself and putting yourself out there as a whole nother strategy than writing the book. And that was fortunate that that BiggerPockets could help me on that side. Jesse (33m 49s): I'm always curious when we have individuals that have written books and what their style was, was it actually pen to paper every day? Was it, you know, modifying transcripts of, like you said, content that they already have, and, you know, I guess everybody's a little different in terms of what their strengths are. Chad (34m 5s): Yeah. I was just, you know, I had the outline, I had, I had content out there, but it was just every day. I think I read this from Stephen King or somebody like that. I just said, you just got to make a goal, even if it's, even if it's not good that day, just like write 700 words or a thousand words or whatever it is, and just get it out on the, on the computer. And I did type it up. I think I used the Google doc and just had that going for a long time. Now I am pen to paper type person too. Like I love doing my mapping and I'll, if I have ideas for the chapter, I'll sorta mind map that out and draw it out, you know, on a, on a non-digital non-connected type a world. Cause I had to think clearer, they're usually in the morning or late at night, but that's where the best thinking goes on. But then when you, you gotta just had that, that deep work time of, you know, two to three hours at a time of just knock it out, type something, get it on the paper and this chick away at it, you know, a little bit by little bit by little bit. Jesse (34m 58s): Yeah, absolutely. Well, I thought we changed gears a little here in terms of where we're at in the market right now. We talked again about this when we were on our panel, you have a particularly particular view of, of where you think the market is right now when it comes to very topical inflation and interest rates. I know, you know, nobody's got a crystal ball here, but how are you preparing for the next year or two for the short term, you know, aside from what you've said about de-risking, but your thoughts on that and, and I guess generally your view on where interest rates are at and where you feel inflation may or may not be. Chad (35m 33s): Yeah. I mean, if I had to vote or bet on something, which I'm not a great bet betting person, but I would, I would bet inflation's going to be continue to be more of the topic for awhile and at least for a couple of years. So I'm, you know, I, there's not a lot of preparation for me on that side of things, because a lot of our portfolio already, we have some debt still. We have assets that we feel are in really good locations that have long-term potential. So I just, I, I feel like we're in an, all of you who are listening to this, if you're one of the reasons you should be investing in real estate, is it, this is one of the best assets for an inflationary period. And the other message that I think is so important, but if you're in, if you're in the growth phase for what, wherever you are, whether you're just early in your career as an individual investor, or if you're in the syndication world, the best formula I've ever heard of an investing for inflation is that you buy these assets that go up in value over time because they're good, well located. And you buy a property that has an unleveraged deal of let's say six or 7%. And then you borrow money at 3%. And your cost of capital is three. If you have a margin of three to 4% between what you can produce an income and what it costs you to borrow money, and then that property's going to get better and better over time. I think that is such an incredible basic formula to build wealth because you are lucky, especially if you can lock that interest rate in for a long period of time. Now that you're, it's only getting better over time. And that's, I kind of keep that in mind in terms of just, it's almost like football, you know, this has simple, simple plays that work well on any market. And that's a simple play borrow for a lower cost than what your property produces by in a good location that has some dynamics of supply demand that are in your favor over the long run, and then just be a buy and hold investor and wait, just be patient you don't, if you get the more you can be flexible on when you exit, then you can be more optimal about, you know, knowing that it's going to happen at some point, but we don't know if it's gonna be three years or five years or 20 years, but we're going to be, be patient enough to get there Jesse (37m 28s): In terms of unleveraged year, a yield. Just, just so listeners are clear when you talk about unleveraged yield, we're talking about the cap rate for the property, or are you factoring in debt with that yield? Yes, Chad (37m 39s): But like a cap rate. And I guess I use leverage yield instead of cap rate, because I used to always use cap rate online on my YouTube videos and a couple of like nitpicky people are pointing out that well, that's not exactly what a cap rate is. You know, use a cap rate to value a property or what I'm S what I'm saying is, is an internal metric. This is just, let's just look at this and leverage yield. Let's take all of our expenses, our operating expenses, management, maintenance taxes, insurance, let's take capital expense reserves, whatever we need to make sure we've covered all of our outflows of cash what's leftover when that's all said and done, except for excluding your mortgage payment. That's, that's what I'm saying. I actually like Jesse (38m 14s): That term better unleveraged yield or operating yields, because it kind of gets away from this. What I've heard the term. I can't remember who's who coined it, but a suitcase words and cap rate is definitely a suitcase word. It means a million different things to different people. If you're the investor, the broker, the buyer, the seller, you know, and you just hit it right there, even with cap reserves, right? How do we, how do we factor those in some people do it differently? So that makes sense. I mean, you're looking at, from an interest rate perspective, from a risk standpoint, if we could do fix, we do fix, if we can make sure that that yield is higher than the interest rate, it's not rocket science. You know, the question is finding those properties. Yeah. Chad (38m 54s): Yeah. And that's, that's the, that's a whole nother thing, but it's, it's we started talking about the market, like, how does the market effect that this is a competitive market? So finding those deals is certainly challenging, but I know when I first started investing in 2004, three and four, we're just not that long ago. Right. It was the interest rates were higher, even then I thought interest rates were low, but you knew there were five or 6%. Now they're three or 3%. I mean, that's, that's incredible. So yes, it is more competitive. Yes. The yields have gone down, but with the right properties and the right markets, that's where we, as operators can really set ourselves apart. We can find those value, add opportunities. We can find those little pockets of opportunity within our market, in my market. For example, Clemson is my, my main little town, but I think some of the better opportunities, and these are these little small towns, right next, next to the Clemson central and Pendleton and Seneca. Nobody's gonna know what those mean if they're not in my market, but if you're, I think that's my challenge to everybody is try to find ways in this market to do the opposite or go the different direction from what other people are doing. How does it, when the competition's digs, how can you zag? How can you do something different? And that often is with locations, which is finding those little pocket locations. Sometimes it's with different asset classes. Like I do residential multiunit, but you know, maybe mobile homes are the thing in my area, or maybe there's a self storage, or, I mean, I'm not saying that you should just jumped ship on your, your strategy, but being open to different competitive advantages, I think is what we're all having to do right now. Jesse (40m 24s): Yeah, for sure. Well, we have final four questions that we ask everybody that comes on the show, but before we, before we get there, I'd love to chat a little bit about what you do on the YouTube channel and how you kinda got into that side of, of really just coaching and, you know, hence coach Carson. But yeah. How did that come about? Chad (40m 45s): Well, it started as a, as a written thing. So I was a blogger and I actually, well before, even before that, I did coaching locally. So I actually don't do a lot of coaching. Now. It's more like coaching through the YouTube videos, through podcasts, through, through a course online course that I teach, but it would really wish it's starting one-on-one with people locally in my market. And they're saying, Hey, how do I find a deal chat? How do I analyze a deal? And so I would just do it, you know, at a local real estate meetup and show them on the back of a napkin or a back of an envelope. Here's how you do it. Here's what I'm doing. And it was just that, that love of teaching, I guess, that kind of made it so that I was like, I just want to share this more publicly. And I met the bigger packets guys, Josh and Brandon started writing for them, start writing my own blog. And I wrote so many articles that nobody looked at it. It was just like, I'm really glad they did because they were not that good at the time. But I think whether you're YouTube or podcasts blogger, you just got to love the process of teaching and sharing and ideas in general. And so for me, it grew from that to a blog, which was great. I could write it on my own, turned into a book, the podcast game, just because the people who happen to be reading my blog all were asking me, Hey, I like listening to podcasts and I'd rather do that than read it all the time. So I started doing that and then YouTube has been spend kind of a recent passion. I've had a YouTube channel for awhile, but I think it's a more challenging medium in some respects, because you have the video, you've got the, you have people's attention. Span is a lot shorter on YouTube. Unfortunately with the podcasts, you know, people are washing dishes or exercising or something. So you have their attention a little bit longer YouTube, but man, if you, if you're not doing something good, they're out, you know, there's skipping, let's get outta here. So I'm still a rookie in this respect. But a lot of my style there is kind of a tutorial driven. I'm trying to use a little whiteboard and show, you know, they look over my shoulder. Here's how I would run the numbers. Here's an, here's what an unleveraged yield needs. Here's how you calculate cashflow or here's a story about a deal I did. This is my first rental property. And here were the numbers in the beginning. Here's how it changed over time. Here's my spreadsheet I use. So it gives me the ability, like a podcast is a good conversation media, but a YouTube is more of an instructional tutorial based. And I've really enjoyed that, that aspect of it as well. Jesse (42m 53s): Yeah. And I find the thing with YouTube as well. It's the more challenging thing, at least for me, it's the consistency of putting episodes out. Like when you're you got a podcast, you know, you have a, you have a call with somebody today. You got to be there that other person's going to be there when it comes to YouTube to kind of self-start cause you can outsource a lot of things. It's very difficult to outsource your face in front of a camera. Chad (43m 13s): Yeah. We haven't figured that one out yet, but that's also what makes it special. Like I think YouTube is so cool and that it's basically taking down the big media networks. Like it's, it, it is more popular. There's more views. And who are the people who are creating? Yes, there's some big names out there, but it's just like the Chad Carson who's check cars. They want to know what it is he have to do with anything. Nobody gave him permission to give content. And the only reason, the reason that we are doing that out there is that people are voting with their views. And that, that is, that's a cool concept. That to me is like, it's the, it's the epitome of the internet, but it's also on a large scale with YouTube that people are choosing to sit down in front of their TV or the computer or their phone and watch these no name creators who are producing good content and then they vote for it. And then YouTube has an algorithm that shares that with other people because people are voting with their, with their watch time. And that's, that's pretty, that's pretty amazing. Jesse (44m 4s): Yeah, absolutely. No, for sure. It's a, it's definitely a great medium, especially for on the instruction front. All right, Chad, we got four questions. We ask everybody that comes on the show. So if you're ready for those, I'll, I'll send them your way. All right. Let's do it. All right. What's something that, you know, now in your career could be business real estate that you wish you knew when you first started out. Chad (44m 25s): Yeah. The numbers are not everything. When you analyze a rental property or any kind of property, I was so enamored with the numbers early on and you know, I'm a spreadsheet nerd. I'm sure a lot of real estate investors are that I would just get enamored with. Oh, look at this cap rate, look at this internal rate of return. Look at this cashflow potential. And I ignored the other half of that coin, which is the kind of qualitative metrics of that property of location, of desirability, of long-term potential, you know, opportunity to add value to the property. And so I, I missed, I missed on some opportunities, but I also put too much weight into some properties that had, they were they had a good cashflow for a reason. They were in a bad location and the next door neighbor was dealing drugs. You know? So it's like, I, I learned the hard way early in my career about that, but I said, there's a more balanced approach now to saying, yes, I got to have metrics that make sense, but I also need to have those metrics are driven by real world human beings who choose to live in a place for a certain reason, let's start with a human being. And then let's just use the metrics that sort of control my emotional irrational impulses. That's the, the, the, the metrics are just to kind of keep me in check. Jesse (45m 35s): Yeah. That's a great answer. Couldn't agree more with that. All right. In terms of somebody that's getting into our industry, what would, what advice would you give them and just generally your view on, on mentorship. Chad (45m 46s): I think you need to love the process. And I don't mean like, you know, this is real estate investing has been your passion for all your life, but I do mean that if, if you, if you're doing it, just because it seems lucrative or seems like it's a place to make a lot of money, like that's fine. Like making money is great. We all should make money, but you gotta have something that really draws you to this business. And for me, it was like running the numbers. It's really interesting to me that I sort of tapped into something that was, that I just enjoy doing. I enjoy the communication and the human side of things. The negotiations are really fun for me. I almost feel like it's a puzzle piece that you get to put together. So, you know, I, I, I had a, I almost have a bad habit of just doing deals because I just loved the, the deal, you know, let's put the deal together, you know? And so that's, I think going back to a new person, who's getting into the business, find a piece of the business that you love, whether that's the remodeling side of things, the am analysis side of things, the negotiation side, or multiple, and to stick with that, like get really good at that. Find that kind of intersection of what you're passionate about, what you're good at and what a need in the marketplace is. And if you just stick with that, it's focused on that. The rest I think will take care of itself. That's great. Jesse (46m 56s): All right. Number three, aside from your book retire early with real estate, or what book recommendations are you constantly giving out again and again that you could share with listeners? Chad (47m 7s): Yeah. This is a oldie classic book, seven habits of highly effective people. I just, I was fortunate enough to read that right after I was getting out of college. And it's one of those books that, you know, the first three habits are just personal habits, like being proactive, putting first things first, you're just learned about personal effectiveness and planning. The second three habits are all about interpersonal communications. So how to, you know, think win-win make sure that the person's winning and you're winning listen first, don't seek always like, get your first word in. So there's just some core, like really good principles that I I've re-read that book like 10 times every time I reread it, I'm getting other little kind of layered benefits from it. So highly recommend that one. Jesse (47m 49s): Yeah. I guess every time there's, there's more nuance that you get out of that book. All right. Last question. My softball first car make and model Chad (47m 58s): First car make a bottle. This is a Toyota Camry, 1995 model cloth Gracie. And, you know, drove that to high school, drove that to college. It was actually, this is a funny story. When I started my real estate, this is, I still had that car and I put, I was trying to find deals and I put these noxious vinyl signs all over the side of my car saying like we buy houses and here's my phone number. And it was sort of a, it's sort of a turning point for me. I was embarrassed. I was like, God, this is horrible. I've putting these all in my car, drove away one girlfriend who was like, ah, you're not, I really don't want to be around being around you. But then I was a kind of a filter for my next girlfriend who became my wife because she's like, oh, whatever, that's fine with me. But the cool thing about that for me, that that car was, I owned it free and clear. And then I put a sign on top of it that I made cost me 300 bucks to put the signs on there. And I ended up buying a property every year for like five years that made me, you know, minimum five, 10 grand per property off of this marketing that it, so this car was like a money machine did really well. Jesse (49m 4s): I think that's the best answer to that question that we've had on the show. That's, that's pretty good. Awesome. In terms of where people can reach out to you aside from a quick Google search, where can they go, Chad? Chad (49m 16s): Yeah, my, my home base online coach carson.com. That's where you can find my podcast. Although you can search for my podcast on any of the podcast players out there, apple, Spotify, those as well. And then of course on YouTube, if you search for me on YouTube, we'd love to hear from you. Please leave me a comment on YouTube or somewhere. Always like to hear your story and, and respond to that. And what would enjoy connecting it with you somewhere online? Jesse (49m 38s): My guest today has been Chad coach Carson. Chad, thanks for being part of working capital. Chad (49m 42s): Yeah. Thanks for having me, Jesse. This has been a lot of fun. Jesse (49m 52s): Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse for galley. If you liked the episode, head on to iTunes and leave us a five-star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one. Take care.
Las mujeres presentan menor riesgo de enfermedades cardiovasculares antes de llegar a la menopausia con respecto a los hombres de la misma edad, pero esta ventaja se pierde cuando los ovarios dejan de producir estrógeno en el momento que inicia la menopausia. De este tema conversó Ximena Elena Calle, bioquímica Farmacéutica de la Universidad de Cuenca- Ecuador, candidata a doctora en Farmacología de la U.Chile be investigadora de ACCDiS
In this episode, FBC Global Mission's Pastor, Jim Pool interviews Juan and Tirsa Delgado as they recap this past year of ministry in Cuenca Ecuador.
En este nuevo caso de éxito, tenemos el gusto de entrevistar a Fabián Andrade, presidente de la Cámara de Comercio de Cuenca (Ecuador) para el período de 2020-2022, que está celebrando sus 100 años de existencia y suma más de 1500 socios. Fabián goza de una larga experiencia en el sector del emprendimiento y su visión sobre el emprendimiento es muy adecuada. Su amplio trayecto observando y siendo parte de la innovación empresarial hace este un podcast único.
Would you like to live in a place where the old and the new co-exist gracefully side-by-side? If your answer is yes, check out the beautiful and tranquil city of Cuenca, Ecuador. An Ecuadorian city with no shortage of expats. To guide us there, we have the man who, literally, wrote the book on relocating to Cuenca. On Episode 31 of Retire There with Gil and Gene, Terry Dean Roberts provides an honest depiction of what it is like to move to and live in Cuenca. Terry's book is Relating to Ecuador - Eyes Wide Open, updated in 2019. https://www.amazon.com/Relocating-Ecuador-Bulleted-Available-12-12-15-ebook/dp/B0127X4ALM/ref=sr_1_1?dchild=1&keywords=relocating+to+ecuador&qid=1620487620&s=books&sr=1-1For Terry's advice on working from anywhere, see https://makingalivingyourway.com/
Nikita Gale, an artist, and Alexander Provan, Triple Canopy's editor, are the hosts of Medium Rotation. In the first episode, they ask who we are—and what we can do—as listeners, members of an audience, and bodies in concert (or in conflict). They introduce the first season of the podcast, Omniaudience, by speaking about the revelation of arena concerts, the performance of listening by CEOs and self-help gurus, and how the demand to be heard manifests in protest and property violence. And they listen to MC Hammer, Van Halen, Pauline Oliveros, Kimberly Jones, and the Los Angeles Board of Police Commissioners. Provan and Gale have been collaborating for several years on work related to the politics of listening, which has involved a residency at the Hammer Museum as well as a series of publications, performances, and conversations as part of Triple Canopy's twenty-sixth issue, Two Ears and One Mouth. In his essay for the issue “The Great Equalizer,” Provan writes about the relationship between speaking and listening, especially in the wake of the coronavirus pandemic.In this episode, Gale and Provan speak about the composer Pauline Oliveros, whose writing and teaching are available via the Center for Deep Listening. In order of appearance, the music and other recordings played on this episode are: a concert by MC Hammer, 1991; a concert by Van Halen, 1995; a master class by Pauline Oliveros, 2012; a hearing by the Los Angeles Board of Police Commissioners, 2020; and a video of the author Kimberly Jones by the filmmaker David Jones, 2020.Nikita Gale is an artist who lives in Los Angeles. In addition to co-hosting Omniaudience, Gale has worked with Triple Canopy on a residency at the Hammer Museum and a related series of performances and publications. Gale's essay “Little Girls” was published by Triple Canopy last year. Gale's current and upcoming projects include exhibitions at the California African American Museum (Los Angeles) and LAX Art (Los Angeles), as well as the record and book INFINITE RESOURCES (Aventures, 2021).Alexander Provan is the editor of Triple Canopy. He is the recipient of a Creative Capital | Andy Warhol Foundation Arts Writers Grant and has been a fellow at the Vera List Center for Art and Politics. His writing has appeared in the Nation, n+1, Art in America, Artforum, Frieze, and in several exhibition catalogues. His work has been presented at the 14th Istanbul Biennial, Museum Tinguely (Basel), 12th Bienal de Cuenca (Ecuador), New Museum (New York), Kunsthall Oslo, and Hessel Museum of Art (Annandale-on-Hudson, New York), among other venues. His LP Measuring Device with Organs was published by Triple Canopy in 2018.Medium Rotation is produced by Alexander Provan with Andrew Leland, and edited by Provan with Matt Frassica. Tashi Wada composed the theme music. Matt Mehlan acted as the audio engineer and contributed additional music.Medium Rotation is made possible through generous contributions from the Andy Warhol Foundation for the Visual Arts and Nicholas Harteau. This season of Medium Rotation is part of Triple Canopy's twenty-sixth issue, Two Ears and One Mouth, which receives support from the Stolbun Collection, the Shelley & Donald Rubin Foundation, Agnes Gund, the National Endowment for the Arts, the New York State Council on the Arts, and the New York City Department of Cultural Affairs in partnership with the City Council.
George Griffiths from show #33 is on his way from Canada to Cuenca Ecuador while Covid is still roaming the world.George shares with us some tips on what we need to prepare for before travelling, some of his own mishaps and ways he overcome them.His words of advice for us is to do your due diligence before leaving out but don't stop travelling Guest: George Griffiths https://www.facebook.com/George-Griffiths-577430806286157 Host: Tony LloydEditor: Tony LloydTo donate to our show please click here:https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GB5DB4TUGFANY&source=urlLocation: El Cafecito Hostel Cuenca Ecuador www.cafecito.net Questions or comments: elcafecitotraveltalks@gmail.comPlease take a look at our Facebook storieshttps://www.facebook.com/pg/CafecitoTravelTalks/notes/?ref=page_internalSoundtrack: So Easy Artist: Jahzzar Album: Traveller's Guide Support the show (https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GB5DB4TUGFANY&source=url)Support the show (https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GB5DB4TUGFANY&source=url)
Pau Amos an American who retired early from his university career found a way to combined his two passions, travelling and competing in triathlons "Racecation"Paul shared with us from his new home in Cuenca Ecuador how he was able to combine his passion for competition and exploring the world at the same time.His words of advice for us it's not to be afraid to do something that will put you out of our comfort zone. Guest: Paul Amos Email: paul.amos.wharton@gmail.comHost: Tony LloydEditor: Tony LloydTo donate to our show please click here:https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GB5DB4TUGFANY&source=urlLocation: El Cafecito Hostel Cuenca Ecuador www.cafecito.net Questions or comments: elcafecitotraveltalks@gmail.comPlease take a look at our Facebook storieshttps://www.facebook.com/pg/CafecitoTravelTalks/notes/?ref=page_internalSoundtrack: So Easy Artist: Jahzzar Album: Traveller's Guide Support the show (https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GB5DB4TUGFANY&source=url)
Grafotecnica Pericia Caligráfica CriminalisticaCanal Grafotecnica en su serie Documentoscopia Mundial, entrevista a Goyo Rogríguez Gravalos Co-autor de Escritura Manual, Sistema del Impresión y sus TintasHablamos del método #Datink para #datación de #tintas.Canal #Grafotecnica les presenta un nuevo Capitulo de Documentoscopia mundial. con su anfitrión Raymond Orta, fundador de Sipdo y miembro corresponsal de la Asqde. Este Programa de difunde tambien vía Podcast en todas las plataformas.Goyo Rodriguez Grávalos, Ingeniero Técnico Industrial, Criminólogo. Analista Forense de Documentos. Profesor de Pericia Caligráfica y Documentoscopia en la Universidad de Salamanca. Perito Calígrafo de los Tribunales desde 1.986. Miembro del Comité de Expertos en el fechado y Análisis Forense de Documentos y de la Sociedad Internacional de Peritos en Documentoscopia (S.I.P.D.O.). Ponente en Congresos Internacionales en Buenos Aires y Mendoza- Argentina, Porto Alegre y Cuiabá- Brasil, México D.F. y Villahermosa (México), Universidad de Cuenca (Ecuador), Universidad de Medellín (Colombia), Las Palmas de Gran Canaria (España) Coordinador Internacional para España de la Comisión Organizadora del III Congreso Internacional de Pericia Criminal celebrado en Joao Pessoa (Brasil). Socio Fundador de LEYAS S.L.Coautor junto a Magdalena Ezcurra de la colección ANÁLISIS FORENSE DE DOCUMENTOS publicada por Ed. La Rocca Bs. As en 2.010 y por Milenium Editora (Sao Paulo-Brasil, Octubre 2.011) y de diversos artículos y publicaciones. forensic files perito criminal grafologia ciencias forenses
Cristina Ortega, ex Reina de la Ciudad de Cuenca - Ecuador, nos cuenta sobre su vida, los nuevos planes para su emprendimiento, Beesweet, y nos revela cómo maneja y controla sus emociones. Así le damos la bienvenida a nuestra nueva serie: "El backstage de las emociones", en la que hablaremos sobre la inteligencia emocional. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/horalibreradio/support
Tony Lloyd, host of the El Cafecito Travel Talks, a TCK (Trans-Cultural Kid) who after travelling and living in multiple countries has settled in Cuenca Ecuador where he has a cafe hostel called El Cafecito.Tony shares with us via an interview by Johnny Bliss of the Austrian radio station FM4 what it means for him not to fit into one cultural identity both its disadvantages and advantages. Finally, how one can create a space to call home.Guest: Tony LloydHost: Johnny Bliss https://fm4.orf.at/stories/2858614/Editor: Marshall DonnellyTo donate to our show please click here:https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GB5DB4TUGFANY&source=urlLocation: El Cafecito Hostel Cuenca Ecuador www.cafecito.net Questions or comments: elcafecitotraveltalks@gmail.comPlease take a look at our Facebook stories https://www.facebook.com/pg/CafecitoTravelTalks/notes/?ref=page_internalSoundtrack: So Easy Artist:Jahzzar Album:Traveller's Guide Support the show (https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GB5DB4TUGFANY&source=url)
Peter Macfarlane a Canadian scientist, musician and yogi, journeys to the countryside of Cuenca Ecuador for a life-changing experience. He takes us on his “Trip” to a retreat in the Ecuadorian Andes with Ayahuasca and San Pedro. Connecting with himself and his inner spirits. Finding a new path to communicate better with family and friends new and old. Also recommending how others can embark on the journey.Guest: Peter Macfarlane email: peter.macfarlane6@gmail.comHost: Tony LloydEditor: Marshall DonnellyTo donate to our show please click here:https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GB5DB4TUGFANY&source=urlLocation: El Cafecito Hostel Cuenca Ecuador www.cafecito.net Questions or comments: elcafecitotraveltalks@gmail.comPlease take a look at our Facebook stories https://www.facebook.com/pg/CafecitoTravelTalks/notes/?ref=page_internalSoundtrack: So Easy Artist:Jahzzar Album:Traveller's Guide Support the show (https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=GB5DB4TUGFANY&source=url)
¡CAMINANTES GORDITOS! ¡FAT WALKERS! En esta caminata, Viole, nos manda su audio desde Cuenca, una ciudad de Ecuador, para describirnos sus primeras impresiones del lugar. Los sonidos de su recorrido y la narración hace de este podcast, un excelente episodio. También busca nuestros demás podcast: Nosotros, El Barrio La Parrilla de mi Compadre Cocinando con The Moffs Le Vamos Entrando
¡CAMINANTES GORDITOS! ¡FAT WALKERS! En esta caminata, Viole, nos manda su audio desde Cuenca, una ciudad de Ecuador, para describirnos sus primeras impresiones del lugar. Los sonidos de su recorrido y la narración hace de este podcast, un excelente episodio. También busca nuestros demás podcast: Nosotros, El Barrio La Parrilla de mi Compadre Cocinando con The Moffs Le Vamos Entrando
Welcome to the #BeMakeXSend podcast. My name is Matthew Perry, Lead Pastor at Arapahoe Road Baptist Church in Centennial, CO. Today, we sit and talk with Mat and Amy Kountz. Mat and Amy are currently serving in Cuenca Ecuador through Reaching and Teaching Ministries, with their children - William, Lina, Jude, and Oliver. Mat completed an MA in Missiology at Southern Seminary and an MA in Church Planting at Southeastern Seminary and is doing Doctoral Studies at Midwestern Baptist Theological Seminary in Missions and Theology. The Kountzes intend to train and mobilize Ecuadorian pastors and missionaries to reach their own neighboring communities as well as peoples beyond the borders of Ecuador. The way they work towards this goal is church planting, partnering with church-planters and local church leaders, and training leaders in formal and informal manners including the founding of a formal Bible School in the major university city of Cuenca. We will talk about discipleship in their context and ways that local churches that engage in international short term missions can best help and serve the Christians with which they partner. Thanks for tuning in. You’ll be glad you did. Kountz Family Mission Page: https://reachingandteaching.org/missionaries/kountzfamily Arapahoe Road Baptist Church: http://www.arbc.net BeMakeXSend blog: http://www.bemakeXsend.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/bemakexsend/support
Have you been thinking about learning another language? Cindy McMahon serves on the Buncombe County School Board and has over 25 years of management experience in nonprofits and small businesses. This summer, Cindy’s taking a sabbatical from her work to relax and have some adventures, including participating in a language immersion school in Cuenca, Ecuador. Cindy explains why she chose to dive head first into the deep end of language immersion in Cuenca, what it was like during her two-week stay, and how the community welcomed her with open arms. If you've ever considered taking the leap and participating in an immersion school, Cindy shares tips on how to research and what to look for in planning such an adventure.
We're in Cuenca, Ecuador with Keith and Tina Paul of RetireEarlyAndTravel.com. They retired in their 40s and moved to this ex-pat paradise. The weather is always great, the food is amazing, and it is very affordable. Show notes are at https://WeTravelThere.com/cuenca When booking hotels, use the Dosh cashback app. You'll receive competitive rates at over 600,000 hotels around the world plus earn up to 20% cash back on your stay! Use promo code "Timmy" when you open your free account at WeTravelThere.com/dosh.
Latest episode of Wanderlust with Sal and Brad
Jim shares his experience visiting Cuenca Ecuador and interviewing Americans that are retiring there for $1,000 to $1,500 per month. So many great experiences, but Jim also shares how he was robbed on a bus. Also on this episode Jim talks about his new book and a strategy you can use to become a cryptocurrency millionaire.
Full video from Live Stream here: https://www.facebook.com/Intersect42Music/videos/234561103764988/ Angelica Ramirez (Secret Sessions) Purveyor of minimal, infectious dance bass and a feel-good atmosphere.” That’s how Angelica describes her self as a DJ. Never afraid of that bass, her a motive musical selections are her own therapy. Having grow up with her mother’s electric combination of Disco music (Donna Summer, Michael Jackson, Bee Gees, ABBA, Prince) 70s soft Rock (Seals & Crofts, Ambrosia, The Carpenters, Eagles, Led Zeppelin, Pink Floyd ) Synth - infused 80s music (Depeche Mode, Gary Numan) very inspired by listening to her mother sing and play the guitar to all different types of Pasillos, and national Latin American music as well ... all which became infused for her own love for house music, Classic Rock, Trip Hop, Rock en Español, Angelica ended up with quite a mixed spectrum of musical influence. Today, this translates into sets where she picks apart and infuses together all the pieces of this music she loves best: bass lines, vocal hooks.. all on top of a pronounced minimal micro house beat. Born In New York Queens, raised in Miami her background from South America. Very active member of her local community back at her hometown Cuenca - Ecuador, Angelica is no stranger to the ups-and-downs of a small town music scene. Thought she loves playing in nightclubs, patios and special events, her love for music goes beyond the spectrum of mixing tunes. As a dancer for all rhythms and promoter, she has found plenty of ways to express her self musically. “For me, it’s all about mood and minimal deep, house sounds, hypnotic groove... playing those tracks that get you tapping your feet and nodding your head without you realizing it.” SoundCloud: https://soundcloud.com/angiestyle Track List: 1. S.A.M. - A1 [DELAPHINE006] 2. UserUNKNWN - UNKWN2 3. Tijin - Xoi 2 [NCSS001] 4. The Black Poney Orchestra - Take 1 [BOO001] 5. Arthurs - Chalana (Reyam Remix) 6. A - G - Metamorphosis Part 2 [OSG001] 7. BRYZ - Effect (Original Mix) 8. B. Janeret - Singularity [YOYAKU SPLIT] 9. Ribo - Trip To Fantasy 10. Chiodan - Ciocarlie 11. Harlo - Gameshow 12. Hoxtox - Painting Her Emotions 13. Ikuto - Ksora 14. RQZ - Ghosts [MRKSF005] --- DISCLAIMER: Our intent with all music posted is to support the artist. If you like their music, please support the artists by buying their music through Beatport, Traxsource, iTunes, Google Play, Amazon etc. Please do not hesitate to contact us in case of copyright issues (info@intersect42.com). ---
Basca, los hijos de tierras siniestras; es un reportaje de Moteradio donde la banda cuenta su evolución. De tocar en pequeños locales en su ciudad natal, Cuenca (Ecuador), a ser los teloneros de Metallica en el 2016. Créditos: Montaje y producción: Cristian Ochoa. Guión y entrevistas: Johnny Guambaña J.
Las lecciones de Mercedes es una producción que revive la última visita de la cantora de Tucumán a Cuenca Ecuador. La noche previa a su concierto, ofreció una rueda de prensa que dejó varias lecciones de vida. La grabación original es del año 2007, y al final, me dejó un gran recuerdo. Producido en Moteradio.
CBS is a community resource for tourists, expats, and English speaking immigrants living in Cuenca Ecuador. We provide news, information, and updates about the local public transportation system including bus routes and TranVia construction. Check out cuencabussherpa.com for maps, route data, and information about the history of Cuenca's bus system! Today, I'm going to be talking about Cuenca's past and reading an article about Cuenca's bus system that appeared in the newsletter called "Sustainable Tranport" published by the Institute for Transportation & Development Policy in the Fall of 2001. That was when the city took control of the local bus system and turned it from an unregulated mess of over 600 privately owned buses to the current system of routes regulated by the city and leased by a half dozen of private coopertivas. We also have some news from the week to cover, including the latest updates with the TranVia schedule as well as more construction on the West side a block away from the Ordonez Lasso widening project. Those stories and more coming up on the Cuenca Bus Sherpa Podcast.
Two weeks after major changes to over a dozen lines passing through El Centro. We go back over all the changes. Cuenca Bus Sherpa is affiliated and endorses AirVPN and SmartDNSproxy. Use our portals: http://cuencabussherpa.com/airvpn and http://cuencabussherpa.com/smartdns Keep up with the local news via http://cuencabussherpa.com/latest-news/latest-tweets-cuenca-public-transport/ http://cuencabussherpa.com/cuencatweets Director @Tranvia_Cuenca indicó que lunes 6/junio, se entrega obra en intersecciones, G.Colombia y Manuel Vega, Hermano Miguel y Gran Colombia. Se pretende colocar sellos de Registro Municipal atoda la flota de servicio urbano @aaguilar_EMOVEP @MunicipioCuenca pic.twitter.com/0fhbhHJ3qd TRANSLATED FROM SPANISH -- Intends to place seals of Municipal registry aevery fleet urban service We put seals of Municipal registration city bus units to give greater security to users #germanhabitatforum Cuenca's mayor is in Berlin, Germany at the EcoMobility World Festival. Thursday, he gave a presentation about the ongoing plans to make Cuenca a livable city and a global example. He talked about plans that have been approved but wait for the completion of the Tranvia to implement, for example the green belt that will be the track bed, the expansion of public spaces like the cycling infrastructure, such as the lanes on Remigio Crespo and Av. Solano, and changing the current bus fleet of approximately 460 to a new fleet of 500 clean, modern, 'smart' buses. The purpose of the mayor's presentation was to solicit partnerships with bus and "green" companies who would want to invest in Cuenca's future. http://www.eltiempo.com.ec/noticias-cuenca/184596-tranva-a-interviene-en-paso-peatonal-de-la-feria-libre/ TranVia construction has hit the underground passage at Feria Libre under Las Americas. It will be the future access point for the new parada, but first they must fortify the ceiling and install the anti-vibratory measures. Vendors have been moved out for a couple of days, but most will be able to return to work in a couple of days. The tunnel is still passable for pedestrians, just be careful and 'heads-up'. http://www.eltiempo.com.ec/noticias-cuenca/184594-los-hoteleros-se-declaran-en-crisis/ When I first saw this story, it had a picture of the TranVia construction, so I figured it was story of how the construction is affecting hotels along the path... but when I actually read it, it is a story is about how so-called "informal accommodation spaces" have cut the occupancy rates of Cuenca's hotels by 30%! These are places like AirBnB, where people offer a room in their house over the internet at much cheaper rates than hotels, since they don't pay taxes nor have the same overhead. The hoteliers say that is 'unfair competition' and call on the local government and the mayor's office to figure out a way to regulate the informal accommodations. At the end of the article, they do mention that, in addition to the problem with the informal places, they also are not happy with the TranVia construction or the state of operation at the airport.
CBS is a community resource for tourists, expats, and English speaking immigrants living in Cuenca Ecuador. We provide news, information, and updates about the local public transportation system including bus routes and TranVia construction. Check out cuencabussherpa.com for maps, route data, and information about personalized bus-riding workshops. That's what I'll be talking about today on the Cuenca Bus Sherpa podcast #
CuencaBusSherpa.com is a community resource for tourists, expats, and English speaking immigrants living in Cuenca Ecuador. We provide news, information, and updates about the local public transportation system including bus routes and TranVia construction. We have a lot of Changes due to Tranvia construction this week... its going to be a rough week getting used to them. Here is the news article referenced in the news: http://www.eltiempo.com.ec/noticias-cuenca/183642-el-centro-partido-en-dos-por-trabajos-del-tranva-a/ Upcoming road closures From May 23 Tram Project will close the remaining crosses both the Gran Colombia and Lamar Mariscal. According to the schedule of works, the intersections of the two tracks with Estevez de Toral will be closed from 23 May to July 31 with Colonel Talbot from 23 May to 31 July and the Miguel Vélez from 29 August to 13 November. closures of crossings both streets in Miguel Heredia be given from August 22 until 6 November, and with the Octavio Cordero from 22 August to 13 November. The road works have not yet Sangurima start date. Wifi/security on the buses - 2 buses right now, but the 75 that have the new screens will soon have it too. ROUTE UPDATES FOR EL CENTRO: Please see http://cuencabussherpa.com/whew-the-biggest-batch-of-changes-yet/ for the list of changes. Join CuencaBusSherpa.com for updates and more information about Cuenca's public transportation system.
Episode 1 News, Information, and Updates for the English-speaking immigrants living in the Cuenca, Ecuador area. http://cuencabussherpa.com for the latest news and updates.
Welcome to a new episode of Black Hund Records Podcast. This week our special guest is DNNY V from Cuenca - Ecuador. This guy is another Bkack Hund Records member with several tracks released this year. So enjoy the ride!!!
Cuenca is a UNESCO World Heritage city, founded in 1557 by the Spanish, about 10 hours south of Quito in Ecuador. I chose to study here following my Spanish studies in Guatemala as Guatemala and Ecuador are the cheapest places to study, and with the 'cleanest' spoken Spanish in Latin America.
20071028 Śrīmad Bhāgavatam Spanish Lecture Cuenca, Ecuador © JPS ARCHIVES
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