Podcasts about delinquents

Seth Williams (00:00) I was able to buy a lot of land at dirt cheap prices. So there's no mortgages or anything on it. And when you buy anything for a small fraction of its actual market value, it's not hard to turn around and sell that thing and make money on it. Jason Hull (00:14) All right, I am Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we have spoken to thousands of business owners, coached, consulted, and cleaned up hundreds of property management businesses, helping them add doors, improve pricing, increase profit. simplify operations and build and replace entire teams, we are like bar rescue for property managers. In fact, we have cleaned up and rebranded over 300 businesses and we run the leading property management mastermind with more video testimonials and reviews than any other coach or consultant in the industry. At DoorGrow, we believe that good property managers can change the world and that property management is the ultimate high trust gateway to real estate deals, relationships and residual income. At DoorGrow, we are on a mission to transform property management business owners and their businesses. We want to transform the industry, eliminate the BS, build awareness, change perception, expand the market, and help the best property management entrepreneurs win. Now, let's get into the show. And my guest today I'm hanging out with is Seth Williams. Welcome, Seth. Seth Williams (01:28) Hey, Jason, good to be here. Thanks for having me. Jason Hull (01:31) Yeah, it's great to have you and of REtipster. so Seth, let's get into a little bit of your background. You've done a lot of different things connected to real estate. Give us the background on your journey and how you got it kind of got into entrepreneurism and what made you start all this crazy stuff. Seth Williams (01:48) Yeah, sure. Yeah. Well, my journey kind of starts back in about 2005, 2006 when I was still in college. And like most people, I was trying to find houses I could buy that I could flip or rent that kind of thing. Just get into the real estate game. But I didn't really know anything about how to do it. I had no competitive advantage. I was looking on the MLS. That was the only place I knew I could look for to find deals. And there weren't any deals. It was horrible. I spent hundreds of hours and found nothing that made any financial sense. And I was just like, man, how do people do this? Like, how do people find good real estate deals if I can't find them? I was looking everywhere and there was nothing out there. And it was around, you know, after struggling with this for a couple of years, I discovered two things that kind of worked hand in hand. The first was the land business. So buying vacant land and Like most people, when I first heard that I was like, what? Picket land? Like, why would I do that? That makes no sense. It's just dirt. Like, where's the cash flow? Where's the income? The other thing that I discovered though was how to find deals off market through something called the delinquent tax list. And this is basically a list of property owners that every county has of properties that are currently back due on their property taxes. This is not the same thing. Jason Hull (02:52) Yeah. Seth Williams (03:11) as the tax sale list. So it's not the list of properties that's going to go up for auction soon. It's people who still own their property, but they're back doing taxes. If they don't pay them off soon, they're going to get their property taken from them. And these two things together, land and the delinquent tax list, I was able to find and contact people who had land with delinquent taxes on it. And because there were delinquent taxes, they're in a situation where it's like, Jason Hull (03:18) Yeah, they're just behind. Seth Williams (03:37) You got to pay off these taxes in like weeks or you're going to lose everything. So why are you in this situation? Is it because you don't care about the property? Like what is the issue? And in many cases, that was it. Maybe they just inherited it. Maybe they bought it 20 years ago, but for whatever reason, they didn't care about the thing. And I'm sitting there saying, Hey, I'll pay you a few hundred dollars, maybe a few thousand dollars, and I'll pay off your taxes and I'll make this problem go away. And because a lot of these people didn't want their property anyway, and I was kind of taking care of a nuisance in their life, I was able to buy a lot of land at dirt cheap prices. And I could also buy it free and clear. So there's no mortgages or anything on it. And when you buy anything for a small fraction of its actual market value, it's not hard to turn around and sell that thing and make money on it. So that was the business I got into. And it's been awesome. It's changed a lot over the years, but It's just been a really great way to, you know, without needing a whole lot of cash, finding properties, getting them for a very cheap price, and then making money without having to change anything on the property. Jason Hull (04:45) Yeah, got it. Okay, cool. Is that still the go-to strategy? Delinquent tax lists. Seth Williams (04:52) So, it's definitely still effective, but the drawback of the delinquent tax list is that they're kind of a pain to get, and then even when you do get them, they're kind of a mess to sort through. So, if you're willing to go through the nuisance of getting the list and sorting through it, there's a ton of value on that. But there's another way that's actually easier through a data service that I use called the LAN portal. And it's basically just a much more streamlined Jason Hull (05:04) Yeah. Yeah. Seth Williams (05:20) seamless, organized way to get lists of landowners. They don't necessarily have delinquent taxes, but I can find specifically the types of properties I want and then either send the mail or a cold column, that kind of thing. So both ways work. They both have pros and cons. The delinquent tax list is more of an annoying way to do it, but it's probably the more effective way. The land portal is a lot easier, but you get a little bit less motivation on that list because people don't have this delinquent tax problem. Jason Hull (05:48) Yeah, less of a mess to clean up, but probably a little quicker. so cool. you're going to unpack today the secrets of building wealth through land investing. This is like your number one specialty. And we'll chat a little bit about self storage. And I'm sure there's some property managers that are listening that might be like, haven't done that yet. Like I have not gotten into. That sort of investment and most of the property managers listening you if you're on a property management business your number one goal Should not be to just manage other people's properties. It should probably be to build up your own portfolio of stuff and and make some money That's probably a bigger better play and leveraging your company to attract deals and to attract Real estate so let's get into this. Where do we start? Seth Williams (06:37) Yeah, well, what I just described, there's kind of the high level view of how you find properties in the first place. And I mean, in terms of like people out there who are property managers who might invest in houses and that kind of thing, there's only one tax list or the land portal can work for those kinds of properties to the main difference is that you're going to find usually less competition when dealing with vacant land, because most people aren't thinking about land, thinking about houses. They think that's the way they have to do it. And that's fine if you want that. But the problem with houses, as you probably know, in property management, there's a lot more wrinkles. There's a lot more people problems. There's things falling apart that are broken and get stolen and destroyed. With land, there's none of that. It's a much simpler animal to deal with. But if your strategy is to find rentals or something like that, you could certainly scope out rental properties using the same method. You would just be targeting different types of property owners than I do. Jason Hull (07:10) Thank got it. So how does this connect to self storage? Seth Williams (07:34) Well, self storage is a totally different business than buying and selling vacant land, but there is some crossover. So back in 2021, I found a piece of land that was zoned residential. It was 6.7 acres and I bought it and I rezoned it to commercial. And then I got approval to build a self storage facility because I had always wanted to get into this business. A land business is great for generating big influxes of cash. It's like a cash generating machine. But self storage is a little bit different. At least the way that I do it, it's more of a cash flow play. you know, all in all, took me a couple million dollars to buy the land and build this facility. It took me basically a year to design it and build it. And it's comparatively speaking, more of a trickle of cash, cash flow, but it's permanent cash flow. There's also a lot of depreciation write offs. It's also very scalable. So it's easy to increase every single person's rent by $5 and the value effectively goes way up because of that. But like nobody moves out because it's just five bucks and most people don't care about a $5 increase per month. So it's a very different business. And for me, my long-term goal is to do more of that because the benefit of self-storage is that unlike land, it's not like a thing that you have to keep peddling for it to keep working. Land is a very active, you know, got to keep peddling or the cashflow is going to stop. Whereas self-storage is, well, you can buy one facility and the management is not terribly difficult for that, at least compared to like a rental property and the cashflow will come in for as long as you own the thing. So that was why I made that shift. Jason Hull (09:12) Nice. well, tell us a little bit about cell storage. How does that work? How can maybe property managers potentially get in? Seth Williams (09:21) Yeah, well, it's when I first got into it, what I tried to do is buy an existing facility from somebody within like an hour driving radius of where I lived. And I think that's probably the best first move is to do that if you can, because you don't have to deal with all of the work of construction and there's cash flow on day one. So like right when you buy the thing, money is already coming in. Whereas when you build a new one, it takes months for the thing to fill up. So that was what I tried to do at first, but problem was in my market, I couldn't find anybody who wanted to sell their property at anywhere near a reasonable price. People wanted like twice as much as what their facilities were worth. And people were paying it like it was just crazy. You couldn't find good deals. And when I saw that, was like, wow, I would normally never build something. But if people are being dumb and overpaying for self storage facilities, I could probably give this a go. And even if I screw it all up, I could still sell it and get out if I needed to. So that was why I decided to do that. And it's nice in that you get to design it and lay it out the way you want, but it's also a much longer runway required to put the cash in and then wait for it to fill up and start cash flow. Jason Hull (10:29) Yeah, this is our market to building these things out and then just selling them even though they're empty. Seth Williams (10:35) Yeah, that's what some people do. Selling them empty. I mean, that's not the ideal play. The real value of these things comes from paying tenants, that kind of thing. Maybe what most people would do is build them or maybe even buy an existing one that's half empty and then fill it up. Like do whatever you have to do to get tenants in there, whether it's changing the pricing or advertising more. And then once it's at least reasonably full, then you could cash out and do whatever you want. Buy another one or do something else. Jason Hull (10:39) Right. Got it. Okay. Got it. Cool. So vacant land, self storage, and then you're also like, you do a lot of content creation stuff in the real estate space. So tell us a little bit about that. Seth Williams (11:12) Sure. Yeah. So I started a website called REtipster back in 2012. And it was really kind of a place to store a lot of the lessons and knowledge that I had gained from my experience in land investing and in owning rental properties and everything I had done to that point. And I didn't really know what the plan was. I just knew, like, it's kind of fun for me to take my ideas and thoughts and things I've learned and distill them down into like bite sized chunks and help other people. figure out how to do the business from where they're at. And it turned out to be a lot of fun. And it didn't make money for like probably the first year that I was running it. But eventually I found ways to monetize it. Started a podcast, a YouTube channel. And a lot of what we talk about is land, but we also talk about self storage and occasionally rental properties, other things that are ancillary related to real estate investing. Jason Hull (12:07) Okay, well cool. Let me do a quick word from our sponsor and then we can get into a little bit more. So our sponsor for this episode is Vendoroo Many of you listening tell me that maintenance is probably the least enjoyable part of being a property manager and definitely the most time consuming. But what if you could cut that workload by up to 85 %? That's exactly what Vendoroo has achieved. They've leveraged cutting edge AI technology to handle nearly all of your maintenance tasks from initiating work orders. and troubleshooting to coordinating with vendors and reporting. This AI doesn't just automate, it becomes your ideal employee, learning your preferences and executing tasks flawlessly, never needing a day off and never quitting. This frees you up to focus on the critical tasks that really move the needle for your business, whether that's refining operations, expanding your portfolio, or even just taking a well-deserved break. Over half the room at last year's DoorGrowLive event conference signed up with Vendoroo right there. And then a year later, they're not just satisfied, they're raving about how vendor is transformed their business. Don't let maintenance drag you down. Step up your property management game with vendor. Visit vendor.ai slash door grow today and make this the last maintenance hire you'll ever need. All right, cool. So, Seth. Where should we go from here? We've been talking a little bit about vacant land, a little bit about self storage, talking a little bit about RE tipster. What do you think would be of the most benefit to property management business owners that are exploring some of this stuff? Seth Williams (13:42) Well, you know, maybe we could have a little conversation, you and me. So I've got a few questions I always go to when I'm talking to other real estate investors that are always kind of brings out some interesting perspectives. How long have you been in real estate, Jason? Jason Hull (13:55) Well, so I've been involved with coaching and consulting property management companies. So I'm more of a business coach for like since 2008. Seth Williams (14:04) Mm OK, gotcha. Well, interesting. Here's a question for you. What's one thing that you see new property managers focusing on that you think is actually a distraction from long term success? Jason Hull (14:09) so while. That's a good one. So the most common thing that I see that's a big distraction from long-term success is digital marketing. So a lot of property managers think in order to get more doors or get business, they need to do SEO. They need to do Google ads like pay per click, content marketing, social media marketing. The problem is the dirty secret marketers don't want to tell property managers because they like making money off of them. is that there's very little search volume of people looking on the internet for property management. So they can go on Google trends right now, put in property management backdated to 2004 when Google started tracking data and metrics to the present. And what you'll see is there's very little search volume. And if you compare it to any other term, like compared to AI is a good one lately, it has the same search volume of AI a decade ago. Whereas AI has this meteoric rise. Seth Williams (15:13) Mm, sure. Jason Hull (15:15) And compared to AI, property management is just a little line at the bottom. It like doesn't even register. And so there's plenty of business out there of people that don't want to manage their own property. There's no shortage in the U.S. There's no scarcity, but they're not looking for a property manager actively because they're either not aware that property managers are a viable option or exist, or they are aware, but most property managers suck. So they've written it off. Seth Williams (15:44) Yeah. So how do you find those people then if you don't know where they're looking or maybe you do know where they're looking. Jason Hull (15:44) and they're not really looking. We get them to do crazy things like pick up the phone and call non owner occupied property owners or like connect with real estate agents and create relationships to help the real estate agents get more deals from investors, stuff like that. So. Seth Williams (16:02) Yeah. I'll tell you, there's a ton of power in somebody who's willing to pick up the phone. I mean, so many people don't even want to think about that. But if you can do that, man, you're already way, way ahead of the crowd. Jason Hull (16:09) And there we go. Yeah, I mean, it's the one thing that we can teach clients that they can create business on demand at any time and not have to hope and pray that a market is able to give them something. yeah. Okay. Seth Williams (16:20) Mm-hmm. Yeah. Well, here's another question. What's something that you hear novice property managers or critics of property managers complain about that makes you roll your eyes? Jason Hull (16:35) Well, the first that comes to mind is a lot of novice property managers complain about the potential clients being cheap. yet they're cheap. And so that's kind of the blind spot that I think there's a lot of property managers that have. They're like, like, I had a client once and he was complaining that, about, you know, I'm tired of getting all these people wanting discounts or asking for us to lower our pricing, all these people that are so cheap about related to property management. And then I saw the same person post in a Facebook group for property managers saying, hey, does anybody have a discount for this? property management software or this then like, what is it? A maintenance software that exists because I don't want to pay full price. And so the irony wasn't lost on me. you know, usually the blind spot that we have is we, you know, kind of project that and create that in others. And so if you're cheap and you have a cheap mindset, then you're going to attract cheap clients. It's far more likely not only that, but you're going to be a lot more sensitive to it. It's going to impact you differently. Seth Williams (17:16) Hmm. Jason Hull (17:36) and people will pick up on that and they'll feel more anxious and be more price sensitive because you are. Seth Williams (17:40) Yeah. For those property managers who are willing to pick up the phone and call around and find their customers, what do they do to avoid those cheap clients? Is there some red flag they can look out for to say, you're not a good fit. We're going to go look here instead. Like, how do you find people that are willing to pay what they have to pay? Jason Hull (17:58) Well, I think I just had Dustin Heiner on as an interview. And yeah, I know him from some masterminds that we're in together. And Dustin's a really cool guy. Dustin had this, we did this great episode where he's like our client's ideal client, really. Because he's like, the first thing I do is I try to find a property manager before I even get a rental property. Seth Williams (18:03) Yeah, Essence Mm. Jason Hull (18:24) And I want to ask them where I should get a rental property and ask them for their advice. And I want a good property manager I can trust before I go find a property. But it's like, usually everyone does it backwards. They go get a realtor, they get a property. Then they go and try and see if there's a good property manager. And he wants to be hands off. He doesn't want to call his property manager. He doesn't want to be involved in it. He wants them to just take care of stuff. That's the ideal. So I think the challenge is when property managers are looking on the internet for clients. They're like getting them through SEO or pay per click. These are the worst investor clients. They view property management as a commodity. They think all property managers are the same and they're not right. Not all property measures the same and most property managers are not very good. So to find the exceptional ones, usually you're going to find the better clients for a property management business by doing stuff that is Seth Williams (19:11) Mm-hmm. Jason Hull (19:20) more towards the strategies that we would rely on, which are warmer leads, warmer connections, so that you're not getting the crappy scraps that fall off the word amount table that are now searching on the internet looking for the cheapest manager. And if you build your portfolio off of digital marketing and the cheapest and most price sensitive owners, then you're going to have the highest operational costs, more than my clients at least, and it's going to be expensive to run your business. So. Seth Williams (19:43) Yeah. Yeah. What do you think makes somebody a good property manager? Because I've had my share property managers that were terrible. had one that was pretty, pretty decent. And in my case, I thought what made them stand out was just really good communication. Like I was always in the loop. I was never questioning where things were at. Like I just, I just felt like I knew what was going on. I don't know if that's true for everybody, though, in your mind, like the ones that really stand out and just kill it in this business and have no problem. finding clients and keeping them happy. Like what is it they're doing that makes them so good? Jason Hull (20:16) Okay, this is a great question and I love that you shared your perspective. And tell me a little bit more, what do you think makes a good property manager? And then I'll share my thoughts, which might be a little different. You said good communication. Seth Williams (20:28) Yeah. mean, I just kind of mentioned that. Yeah. And I will say one thing, you know, one of my nightmare experiences with a bad property manager was and maybe this is just foolish on my part, but I relied on them to find some subcontractors to, you know, make some improvements and repairs on my property. And they just found horrible people that totally screwed up the property. And and they just kind of walked around all flustered, like, I can never find good people. And like. I don't care. Like if he can't do it, then don't don't do it. Yeah. Like tell me you can't don't just, you know, find somebody who's going to ruin my property. So that really annoyed me. ⁓ Jason Hull (20:59) to the next. Hmm. Yeah, that's yeah, that's hot. Okay, so I mean, according to studies and surveys, the number one reason that people leave a property management company is communication. And so I think a lot of property managers mistakenly think they need to over communicate. But I think what a lot of property managers do is they give their tenants and their owners a blank check to steal all their profits in some instances, because that's The number one source of financial leaks that I've seen in companies is interruptions. so they just, every phone call from every tenant, every owner, constant interruptions means they need way more team, way more staff. This is the business. What I've found is really effective property management companies aren't communicating all the time. Good communication is what the clients want if they don't trust the property manager. Seth Williams (21:41) Mm-hmm. Jason Hull (21:55) If they trust the property manager, they want zero communication. So that's very different. So the best property managers, what I think is they set really good boundaries. It's different. It's not like, hey, I'm going to talk to you all the time. So for example, my wife, Sarah, she managed 260 units part-time in 20 hours a week, basically by herself. She had one time, one part-time person boots on the ground, C-class properties, average rent below a grand, difficult tenants. and she had plenty of time and she had 60 to 90 % profit margin in her business. One of the most ridiculous like case studies I've ever seen. Like she was really successful, very profitable, but she basically had a conversation with her owners at the beginning said, hey, it's been great getting to know you, getting to know your property from here on out. You're not going to be hearing from me much. If I call you, if my name shows up on your phone, I'm asking for money because there's a problem. So you're probably not going to want to hear from me. And she was said as a joke, but she was setting boundaries and they would laugh. But that was how they trusted her. They trusted her because she set really strong boundaries. And so that reduced their anxiety and it lessened the amount of times they had to call. They weren't like, hey, Sarah, did we get that tenant yet? Who's looking at the property? Anyone look at it this week? Like what's going on with the maintenance? What happened with this? Are we getting this handled? Like they weren't anxious. They trusted her to manage and she was good at managing. So one, you got to be good at managing. Seth Williams (22:57) Mm Yeah. Jason Hull (23:17) Like you've got to have good vendors. You know, you've got to have good resources. Otherwise, why would they use you? Why don't they just do it themselves? As a good property manager, you should be way better at it than your clients. You're the professional. Which means you're not relying on them to tell you what to do. They should not be micromanaging the manager. They didn't want, they didn't hire you to micromanage you if you're a property management business owner, right? And so I think that there's good communication. Seth Williams (23:27) Yeah. Jason Hull (23:44) This is the superficial thing that everybody sees. The better thing is having really good service and really good boundaries is even better. Seth Williams (23:52) Yeah. Well, it seems like the boundaries thing works as long as you are good at your job, right? I mean, if you do let a place sit vacant or if you do find a subcontractor who screws the property all up, your trust is gone now and they are going to be harassing you. Jason Hull (23:58) Yeah. Yeah, you can't say, don't call me. I'll let you know when I get this taken care of, you know, because their anxiety is going to go through the roof. Right. Yes, exactly. You have to be on top of your stuff and you have to be good. but the conversely, you can't be good if you are over communicating with everybody. It's not it's not a scalable business. You just can't do it. And so if you are giving everybody all the attention all the time, Seth Williams (24:12) Yeah. Jason Hull (24:31) it's going to be very little attention and it means you're not going to be able to pay attention to and focus on the things that actually matter and do a good job. So setting boundaries is required in order to do have a really healthy business that does perform well. Especially if you're a business owner. Seth Williams (24:43) Yeah. Yeah. I guess like say if you're managing a property that's in the armpit of town and it's going to take a long time to find a tenant. I mean, maybe it's starts by just telling that property owner, hey, it's going to be a while. Like set the expectations. Like don't make them think it's going to happen fast when it's not. Is that what you do? Jason Hull (24:55) Good expectations. Absolutely. Yep, setting good expectations, setting good boundaries is absolutely critical. And I think that goes for any business. Any business that involves humans, right? If they can land, there's not a whole lot of people involved, but maybe in the deal, you need to set boundaries and expectations, right? In self storage, same thing. You have tenants, there are people involved. It's a little less than dealing with toilets, and termites, but. Seth Williams (25:17) Mm-hmm. Yeah. Jason Hull (25:27) There's still humans that are involved and you have to be willing to set boundaries. know, there's self-storage places in LA that have a problem with homeless people trying to build homes inside of them. Right. Like that's probably outside of like what you wanted to be selling, you know, it's not probably legal for them to live there. Right. And so, yeah, setting boundaries, setting expectations. And they say an ounce of prevention is worth a pound of cure. And that's probably true in any business. Yeah. Seth Williams (25:51) Yeah. Yeah. Yeah, totally. I'm wondering if you could wave a magic wand and fix anything about the real estate industry right now, what would that be? Anything come to mind? Jason Hull (26:03) Ooh, fixing the real estate. Seth's interviewing me now, everybody. and yeah, you are. You are good at this. so, well, why don't you go first? This is a great question. So Seth, what would you wave your magic wand and change about the real estate industry? Seth Williams (26:07) Yeah. I'm pretty good at this. Yeah, mean, mine would be mostly related to the niches that I'm in. So like land and self storage and on the self storage front. So the way that we manage our properties, the software is a huge component. mean, it's it's a very, very important. It's how we assign gate codes. It's how we get people's payments. It's how we communicate with them. Like it's a big deal. But a lot of the software out there is terrible. Like it is just garbage software. It looks like it was designed 20 years ago and it's It's like antiquated, but it's expensive. And the problem is, once you start using it, they kind of hold you hostage. So like, even though it's bad, you got to keep paying for it and rewarding this broken system. So it's just a it's just a pain. So if I could wave a wand, I would probably make it super easy to jump ship and switch softwares without them holding all of my customers information hostage. That's what I'd fix. Jason Hull (26:55) Yeah, you're in bed forever. Got it. You might be able to wave that one now with vibe coding and AI. It's probably possible. Get a nerd, they create a prompt for you. They could probably import the API or the data or the information from an existing company software, or at least get a CSV export and you could probably create your own software from scratch. It does exactly what you want. And kids are making software every day now. Somebody just made vibe coding software and some women made this app. Seth Williams (27:17) Cool. Jason Hull (27:41) called T or something like this. And it was like rating men for dating. So women could say, this guy's like not a great guy to date or something like this. and it was like at the top of the app store, like you can, you can create stuff now through AI. And the only problem with that app is they had a big security flaw that some guys probably didn't like what was on the app about them easily hacked it. And they doxxed all of the women's Seth Williams (27:51) interesting. No. Jason Hull (28:09) Credit or not credit cards, but their drivers licenses that they had submitted to verify their profiles and they made it all public Right. So if you're doing vibe coding people make sure you have somebody take a look at the security side of it All right. Yeah, so but that you know that could be that that could be a magic wand that could be waived My magic wand in line with what you said I would selfishly do something towards the property management industry is I would change the licensing requirements throughout the US, because the licensing requirements in each state to be a property manager have nothing to do usually with property management. Usually you have to have a real estate broker's license in order to manage rental properties, and that doesn't qualify them to manage rental properties at all. But it does create a big hurdle for them to be able to do it, and so it keeps probably some good actors out. Seth Williams (28:48) Yeah. ⁓ Jason Hull (29:03) and probably makes people feel overconfident to do something that they probably aren't prepared to do. And very few states have a separate property management license. So, yeah. Seth Williams (29:12) What is the connection there? Like, is it because you have to effectively list properties? Like, you're not selling it, but you have to list it publicly and then respond to people who are interested in that kind of thing. Jason Hull (29:19) Yeah, I think it's related to leasing and renting properties. The number one source of complaints at most board of realtors is related to leasing, not real estate. so, yeah, so there are some things in which, but there should be separate licensing, separate rules specific to property management and that maybe raise the bar for property management so that they come in, you know, understanding some things legally. Seth Williams (29:29) Mm-hmm. Hmm. Jason Hull (29:46) that are related to that because there's a lot of real estate agents that are doing some stuff that's probably not legal when it comes to leases or having conversations or probably breaking laws, you know, and so that can be dangerous. we have one of our lead magnates that we have that we have clients build out is a 411 on leasing course. And it's basically a course property managers can download, put their branding on and go scare the shit out of real estate agents in handling leases. And so that these agents will refer business to them, which isn't hard to do because a lot of real estate agents are dabbling in leases and they should not be messing with it because it puts the real estate license at risk. So. Yeah, so that would be my magic wand. Well, that's to tell us a little bit about your podcast and some of the stuff that you're up to lately and how people can get a hold of you. Seth Williams (30:26) Yeah. Hmm. Interesting. That's cool. Yeah. Sure. Yeah, the REtipster podcast, it's really creative name, just REtipster podcast. I've been running it since 2018 and every week, just talk to people that I find really fascinating. Sometimes they're in land, sometimes self storage, sometimes neither. They just have a really cool thing going on and I like to grill them and ask them questions and really get to the bottom of like how they're doing what they're doing. So not surfacey questions, but like really getting into it. It's a ton of fun. So Yeah, feel free to check it out or anything at retipster.com. That's kind of the home base where you can find all the stuff I have out there. Jason Hull (31:18) Perfect. Very cool. Well, Seth, it's been fun. Appreciate you asking me some questions. That's always a surprise. And it's great having you here on the the DoorGrow show. If those of you listening, if you've been stuck or stagnant in your property management business, you want to take it to the next level, reach out to us at door grow dot com. Also join our free Facebook community just for property management business owners at door grow club dot com. And if you found this even a little bit helpful, don't forget to subscribe and leave us a review. We'd really appreciate it. And until next time. Seth Williams (31:22) Yeah, likewise. Jason Hull (31:46) Remember the slowest path to growth is to do it alone. So let's grow together. Bye everyone.

Danny sits down and talks about season 1 of the action packed webtoon Hellper Email: Unversedpodcast@gmail.com

We'll discuss a working group's progress and a program to help Cincinnati homeowners who owe unpaid property taxes.

OUTA Targets Former Joburg Property Company CEO in Delinquent Director Case by Radio Islam

If you thought we'd figure it out by the end of the arc, you'd have more faith in us than we do. But to round out the seinen arc, join Moxie the Yeen and Isekai Sensei-Sama in checking out Holyland.Chat with us instantly by clicking here!Support the showSugoi Mart is your one-stop shop for the best Japanese snacks, candy, toys, and merch! Click here or use code APR15 at checkout to get 15% off your first order.Check out our website, AnimePodcasterReincarnation.com, to leave a comment or check out our blog posts. Follow on Bluesky, Twitter (

Just sealed a $70K profit on a vacant, tax-delinquent property!

Concerts in the Park hosted by Port Chester Recreation Deptartment, a series of Free Friday Night Concerts at Lyon Park in the heart of Port Chester. We caught up with Band Legend LJ Passerelli of St. Vincent & The Delinquents. The Band has played together for many years made up in different varieties. They play because they LOVE IT, and it showed this past Friday night. LJ covers how he formed a special love for music. Take a listen...

Dandadan follows Momo Ayase, a girl who believes in ghosts, and her classmate Ken Takakura, nicknamed "Okarun," who believes in aliens. After an argument, they separately visit locations associated with their beliefs, leading to encounters with paranormal entities and the awakening of hidden powers for both. Momo gains psychic abilities after an alien encounter, while Okarun is possessed by a spirit, leading them to team up and battle supernatural threats, all while navigating romantic tension.Support The Podcast!⁠⁠⁠⁠⁠⁠⁠⁠https://creators.spotify.com/pod/show/roose366/subscribe⁠⁠⁠⁠⁠⁠⁠⁠Follow For More Content &Streams!Twitch: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.twitch.tv/roosejp⁠⁠⁠⁠⁠⁠⁠⁠Kick: ⁠⁠⁠⁠⁠⁠⁠⁠https://kick.com/roosejp⁠⁠⁠⁠⁠⁠⁠⁠Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@Roose366 ⁠⁠⁠⁠⁠⁠⁠⁠Youtube Gaming: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@RooseJp/videos⁠⁠⁠⁠⁠⁠⁠⁠Tiktok: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@podcastonanime

Dandadan follows Momo Ayase, a girl who believes in ghosts, and her classmate Ken Takakura, nicknamed "Okarun," who believes in aliens. After an argument, they separately visit locations associated with their beliefs, leading to encounters with paranormal entities and the awakening of hidden powers for both. Momo gains psychic abilities after an alien encounter, while Okarun is possessed by a spirit, leading them to team up and battle supernatural threats, all while navigating romantic tension.#anime #animeanalyst #dandadan #manga #mangachapter #animereview Support The Podcast!⁠⁠⁠⁠⁠⁠⁠⁠https://creators.spotify.com/pod/show/roose366/subscribe⁠⁠⁠⁠⁠⁠⁠⁠Follow For More Content &Streams!Twitch: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.twitch.tv/roosejp⁠⁠⁠⁠⁠⁠⁠⁠Kick: ⁠⁠⁠⁠⁠⁠⁠⁠https://kick.com/roosejp⁠⁠⁠⁠⁠⁠⁠⁠Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@Roose366 ⁠⁠⁠⁠⁠⁠⁠⁠Youtube Gaming: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@RooseJp/videos⁠⁠⁠⁠⁠⁠⁠⁠Tiktok: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@podcastonanime

“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” - Romans 6:6Being born again in Christ changes a person. We're given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship.Bobby's TestimonyIt's always a great privilege to connect with people, answer their financial questions, and offer help whenever possible. Recently, we spoke with Bobby from Nebraska, whose story is a powerful testament to the transformative power of faith and determination.Bobby was in a tough spot. He had accumulated significant debt, including a car repossession, delinquent medical and credit card debt, and unpaid overdraft loans sent to collections. However, despite his financial struggles, Bobby was determined to turn his life around. When asked if anything had changed in his life since accumulating that debt, Bobby shared his story.In his own words, Bobby explained, “Back then, I was big into partying and addicted to drugs. I sold drugs and went to prison for it. Well, now I'm clean and sober. I don't do any of that anymore. I actually have money in my bank account. September 10th, 2021, was the biggest start of it. That's when I gave my life to Jesus Christ. And now I'm just trying to get everything back in line and where it needs to be.”Hearing about Bobby's life change since inviting Christ into his life as his Savior was truly inspiring. His commitment to sobriety and financial stewardship is a powerful example of God's redemptive power.Steps Toward Financial FreedomA few weeks ago, we advised Bobby to take several steps to get his finances in order. First, we recommended that he pull copies of his credit reports from Experian, Equifax, and TransUnion to identify all his debts. Then, we suggested he contact Christian Credit Counselors to help manage his credit card debt through a debt management plan, which would consolidate his payments and help him pay off his debt faster.We also offered to connect Bobby with one of our Certified Christian Financial Counselors (CertCFC) at no charge. This counselor would work with him one-on-one to develop a budget and create a plan for paying off his old debts. Finally, we took a moment to pray with Bobby, thanking God for His miraculous intervention and the gift of eternal life that Bobby had received.Biblical Principles Guiding Bobby's TransformationBobby's journey highlights several biblical principles that are now guiding his life:The Body as a Temple: Bobby's decision to give up drugs aligns with 1 Corinthians 6:19, which reminds us that our bodies are temples of the Holy Spirit. Recognizing that we are not our own but belong to God is a powerful motivator for making healthy choices. Humility: Bobby's willingness to seek help, even on a public platform, reflects the humility described in Proverbs 22:4: “The reward for humility and fear of the Lord is riches and honor and life.” Honesty: Bobby's commitment to owning up to his debt is a reflection of the biblical principle of honesty. Exodus 20:16 and Colossians 3:9 teach us the importance of living truthfully, especially as followers of Christ. Repaying Debts: The Bible emphasizes the importance of repaying our debts. Psalm 37:21 says, “The wicked borrows but does not pay back, but the righteous is generous and gives.” Bobby's desire to pay off his debt is a step toward fulfilling this principle. Stewardship: The most significant principle guiding Bobby now is stewardship. He wants to manage his finances faithfully, in line with 1 Corinthians 4:2: “It is required of stewards that they be found faithful.”We were grateful to help Bobby on his journey to faithful stewardship, and we want to extend that same help to you. If you're struggling with your finances, need help creating a budget, or want to develop a plan to pay down debt and start saving, please don't hesitate to reach out to us. We're here to help you take the next step toward financial freedom and faithful stewardship.Bobby's story is a powerful reminder that with God's help, it's never too late to turn your life around and get back on track. If you're ready to take that step, we're here to walk alongside you.On Today's Program, Rob Answers Listener Questions:I'm a 60-year-old single retiree, and honestly, I feel financially illiterate. I have two annuity accounts, but I don't fully understand how they work. Should I stay in them or look at other options? I'd appreciate some guidance on how to manage my limited savings wisely.I'm single and trying to plan ahead to create passive income for my future family. I'm debating between buying a rental property and investing in the stock market. Which of these would be the smarter long-term move?My husband and I are retired and considering a reverse mortgage. What's the best way to approach this, and is there a type of reverse mortgage that will ensure we can stay in our home?I loaned money to my cousin, and they repaid me with an extra $300 in interest. Do I need to report that interest as taxable income on my tax return?Can you explain the difference between a Roth IRA and a traditional IRA? Additionally, can someone who is not employed by a company open a 401(k) account?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageHome Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement by Harlan J. AccolaChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

On today's show we are talking about how some trade measures make no sense whatsoever.If you have children who grow into adults, you know that if those children become overly dependent on their parents, they ultimately fail to launch. These are the children in their 30's and 40's still living at home with their parents and having their parents subsidize their lifestyle. There is no incentive for them to figure out how to become an adult because  they don't have to. When countries overly coddle their industries under the guise of protecting domestic jobs, they are doing the same thing as coddling an adult child and not sending them out into the world to prosper. When an industry is protected, it's the same as letting your teenager hang out in your basement for the next 20 years. They're content with the status quo, but they're not really achieving great things. This brings us to the walled gardens of protectionist economics. If you want to see what protectionism results in, look at the Ontario egg farmers and their quota system. -------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

Ellie GMs for Beth, Crash, & Io as they play student's enrolled in the other Mo's other super-powered school. It's time for mini-golf! Follow this series (of one-shots) on… ▶One-Shots RSS Feed: https://aaronbsmith.com/cogwheel/tag/one-shot/feed/ ▶Patreon: https://www.patreon.com/cogwheelgaming ▶Mastodon: https://is.aaronbsmith.com/@cogwheel MP3 Download: One-Shot: Mo's School for the Delinquent And Disturbed (Cypher System) Music Used: Bubble Machine by Drozerix … Continue reading "One-Shot: Mo's School for the Delinquent And Disturbed (Cypher System)"

[AP News] Nearly half a million seniors are delinquent on student loans. [Housing Wire] Here's how one financial planner came to embrace reverse mortgages. [Money Wise] A 59-year-old is eyeing retirement but still owes $81k on her mortgage. Should she pay it off to retire?. Watch our video podcast here!

Today, my guest is Brian Seidensticker. Brian Seidensticker, he founded Tax Sale Resources, TSR in 2010 and in 2017 Brian partnered with software developer SDA solutions, a comprehensive workflow management system. And in 2020 Brian launched mount North Capital, a 506 C fund, providing capital to tax deed investors. And in just a minute, we're going to speak with Brian Seidensticker about Delinquent Tax Investing.   https://www.taxsaleresources.com/  

Join me as I sit down with visionary musician, record producer, author and rock star, Rodney Orpheus, and author, historian and Occult legend, the great Phil Hine,We are talking about Rodney and Phil's incredible new book, "Delinquent Elementals". This anthology is a treasure trove of the 'Pagan News' zines from the 1980s, offering a unique glimpse into a vibrant community. Rodney and Phil, were the creative pairing behind Pagan News, share how their publication emerged from the thriving Leeds occult scene in the north of England to fill a crucial gap, focusing on local events and unifying diverse pagan voices long before the internet existed.We have a candid discussion about the infamous Satanic Panic of the 80s and 90s. Rodney and Phil recount the very real dangers they faced, from death threats to arson, and how their magazine became a vital tool for documenting this dark period in history. In the Plus show we'll explore their innovative use of desktop publishing, their unique approach to occult satire(including the hilarious Barry Hairbrush!), and the legal and logistical challenges of running a monthly magazine that reached thousands.Whether you're curious about the intersection between summoning Laser printers and modern paganism, the impact of the Satanic Panic, or just love a good story about community and defiance, this episode is a must-listen! More importantly the book "Delinquent Elementals" preserves a vital piece of occult history for future generations.Show notes:Delinquent Elementals from Strange Attractor: https://strangeattractor.co.uk/shoppe/delinquent-elementals/Phil's Blog https://enfolding.org/Phil's substack: https://philhine.substack.com/Phil's Bluesky: https://bsky.app/profile/philh.bsky.social Rodney's site: http://rodneyorpheus.comRodney's insta: https://www.instagram.com/rodneyorpheus/?hl=enKeep in touch?https://linktr.ee/darraghmasonMusic by Obliqka https://soundcloud.com/obliqka

JN vuelve, un año después, a los Estudios Romanones, para presentar su último Especial Musical: Jazz for Delinquents. Un recorrido por el uso del jazz como banda sonora de los artefactos audiovisuales en torno a lo noir, el thriller, la delincuencia juvenil y la epopeya policial a partir de la segunda mitad del Siglo XX, llegando a convertirse en un elemento indisoluble de este tipo de géneros. Sólo para suscriptores está disponible la playlist en bruto, sin nuestras conversaciones en torno a cada una de las canciones que suenan en este EM.

Agradece a este podcast tantas horas de entretenimiento y disfruta de episodios exclusivos como éste. ¡Apóyale en iVoox! Aquí está la playlist del Especial Musical de JN Jazz for Delinquents sin interrupciones. Un lujo sólo al alcance de los Fans de EPSA, sin los que EPSA no sería nada. Escucha este episodio completo y accede a todo el contenido exclusivo de Podcast El Programa de Sita Abellán. Descubre antes que nadie los nuevos episodios, y participa en la comunidad exclusiva de oyentes en https://go.ivoox.com/sq/30132

In this episode, we talk about the pressure to perform online, the epidemic of fitness clones, and what it really means to show up as yourself, for yourself. Plus, a heated rant on gym etiquette and the unspoken war over re-racking weights.

Are you a landlord dealing with tenants who won't pay their rent? In my latest video, I share the strategies I've developed over 10+ years in the real estate business to manage and resolve these challenging situations. Whether it's communicating effectively with tenants or knowing when to get legal help, I've got you covered. Don't miss out on these practical tips that can save you time and stress.   Contact me! greg@velocityhousebuyers.com Instagram @grego_37

We talk to Charlie Schlatter - Actor & Voice Artist. Charlie Schlatter has navigated the Entertainment Industry in style. From bursting onto 80s Cinema screens with roles in 18 Again alongside George Burns and The Delinquents with Kylie Minogue, he would then shift gears and head into TV taking on the iconic role of Ferris Bueller in the TV Series of the John Hughes hit before landing the long running role of Dr. Jesse Travis in Diagnosis Murder. Since then he has become a much in demand Cartoon Voice Artist and more recently became the voice of E.T The Extra Terrestrial in the phenomenal Holiday Reunion Short. Charlie chats about all of these along with his approach to his career plus many other great stories and insights.Special thanks to Affinity Photo - The hottest photo editing software on iPad, Mac & PChttps://affinity.serif.com/photoIntro Music by Johnny Monacohttps://www.johnnymonaco.com Incidental Music by Night Fires Please visit The 80s Video Shop Patreon Page to find out how you can help grow our very own 80s Video Shop. https://www.patreon.com/80sVideoShop

Season 30 Episode 2: "Disposable Delinquents"DONMEGA is back with Episode #177 of Am I On The Air? on the PopCulturePros Network, covering all the latest in movies and TV from May 1–6, 2025. The title says it all—this week, it's all about misfits, rebels, and the kind of chaos only pop culture can deliver.We've got non-spoiler thoughts on Marvel's big swing with Thunderbolts*. Does this squad of anti-heroes rise to the occasion or prove why they were never on the A-list to begin with? DONMEGA breaks it all down.On the TV front, the galaxy far, far away heats up again as Andor Season 2 rolls in with fresh rebellion, sharp writing, and a darker edge. Plus, more news and notes from across the entertainment world to keep your watchlist on point.With his usual wit, insight, and no-hype-needed delivery, podcast veteran DONMEGA is serving another must-hear breakdown of what's new and what's next. Hit play and join the ride. #Thunderbolts #Andor #PopCulturePros

Send us a textSeason 30 Episode 2 "Disposable Delinquents" - On this Episode we breakdown all the news in TV and Movies from 5/1/25-5/6/25, We have Non-Spoiler Movie thoughts on "Thunderbolts*" PLUS TV Notes on Andor S2 and so much more...Support the showwww.AmIOnTheAir.comFollow on Twitter at @AmIOnTheAirLike us on Facebook at Facebook.com/AmIOnTheAirFollow on TikTok, Instagram and YouTubeSupport the Show on Cashapp $DONMEGA and Venmo at @DONMEGA

Roughly two-thirds of outstanding student loans are currently delinquent or in default... What those borrowers need to know right now about the Trump administration's decision to accelerate collection efforts (at 12:10) --- Warmer weather means it's time to ride... Some reminders for motorcyclists about staying safe on the road (at 23:10) --- Another collection of delicious and easy-to-make recipes from Kyra's Kitchen (at 41:29)

Student loan payments are back, and millions of borrowers have no idea they're already delinquent. In this episode, Brian Vaughan breaks down what's happening with student loans, how it could tank your credit score without warning, and what to do before applying for a mortgage. Plus, we dive into what's coming this summer with medical debt reform and a wild loan story involving a surprise job switch that actually saved a deal.   Key takeaways to listen for Student loan chaos: Why millions of Americans are unknowingly delinquent Steps to take if your student loans have damaged your mortgage eligibility Why pulling your credit report annually should be your new self-care ritual A game-changing credit policy shift that could open doors for buyers Reasons job changes mid-mortgage can derail deals and how to time them right   Resources mentioned in this episode Free Credit Report Annual Credit Report.com Credit Karma CreditWise | Free Credit Score, Credit Report & Monitoring   About Brian VaughanBrian is a loan officer and co-manager of Fairway Mortgage in Burlington. In addition to lending people money to buy homes, he takes his black tea with milk, quotes Shakespeare less than he would prefer, and is somewhat of a soccer fanatic. Brian lives in Georgia, VT, with his wife, four kids, and Goldendoodle, Dame Judi Dench.   Connect with Brian Website: Brian Vaughan, Burlington, VT - NMLS# 2046057 Instagram: @brianvaughanmortgages LinkedIn: Brian Vaughan Email: brian.vaughan@fairwaymc.com Phone Number: 802-489-7186   Connect with LeighPlease subscribe to this podcast on your favorite podcast app at https://pod.link/1153262163, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.   Sponsors"You Ask. Leigh Answers." Your Affordable Coaching ProgramHey there, real estate pros! Are you ready for some more Leigh Brown wisdom in your life? Then don't miss out on my brand-new program, "You Ask. Leigh Answers." It's your exclusive gateway to the insights and advice you need to supercharge your real estate business. With "You Ask. Leigh Answers." you get Direct Access to Leigh Brown, directly! Expert Coaching, Community Connection, and Extensive Resources. Whether listening to this on the go or watching at home, sign up today at Answers.RealEstate and take your business to the next level. Trust me, you'll be glad you did!  

A treasure trove of counter-culture!  This week on the Vintage RPG Podcast, we chat with Phil Hine and Rodney Orpheus about Delinquent Elementals, a massive book collecting the best material from Pagan News, the zine they ran from 1988-1992. As Pagan News' existence paralleled and lampooned the UK Satanic Panic, we talk quite a lot about that. Also on tap: a general look at the British occult scene, how pre-internet zines anticipated the internet, comic books, RPGs and the logic of invoking invoking Star Trek's Spock instead of some 16th century demon when you need a magical solution for a computer problem. * * * Delinquent Elementals is out now. Check out Phil's site and Rodney's site for more about their various projects. * * * Instagram? Old news. Join the Vintage RPG Newsletter! That's where all the cool kids are now! Stu's book, Monsters, Aliens, and Holes in the Ground is for sale now! Buy it! Patreon? Discord? Cool RPG things to buy? All the Vintage RPG links you need are right here in one place! Like, Rate, Subscribe and Review the Vintage RPG Podcast! Edited by the one and only R. Alex Murray. Send questions, comments or corrections to info@vintagerpg.com. Available on iTunes, Google Podcasts, iHeartRadio, Spotify, YouTube and your favorite podcast clients. The Vintage RPG illustration is by Shafer Brown. Follow him on Twitter. Tune in next week for the next episode. Until then, may the dice always roll in your favor!

Ditch class, rev your engines, sharpen your switchblades, and roll up some reefer! Extremely patient… The post Eros + Massacre Episode 18: Teen Delinquent Hell with Byron Lueders appeared first on Cinepunx.

Stephen Grootes speaks to Christopher Malan, Executive Manager for Compliance and Prevention at the Financial Intelligence Unit,about plans for SA to exit the grey list and businesses that are not carrying their weight. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.Thank you for listening to The Money Show podcast.Listen live - The Money Show with Stephen Grootes is broadcast weekdays between 18:00 and 20:00 (SA Time) on 702 and CapeTalk.There’s more from the show at www.themoneyshow.co.zaSubscribe to the Money Show daily and weekly newslettersThe Money Show is brought to you by Absa.Follow us on:702 on Facebook: www.facebook.com/TalkRadio702702 on TikTok: www.tiktok.com/@talkradio702702 on Instagram: www.instagram.com/talkradio702702 on X: www.x.com/Radio702702 on YouTube: www.youtube.com/@radio702CapeTalk on Facebook: www.facebook.com/CapeTalkCapeTalk on TikTok: www.tiktok.com/@capetalkCapeTalk on Instagram: www.instagram.com/capetalkzaCapeTalk on YouTube: www.youtube.com/@CapeTalk567CapeTalk on X: www.x.com/CapeTalkSee omnystudio.com/listener for privacy information.

Nick Rees Gardner is the author of Delinquents and Other Escape Attempts (Madrona Books), a gritty, poetic collection of linked stories about addiction, recovery, and resilience in the fictional town of Westinghouse, Ohio. Grab a copy from Madrona Books or Amazon. He's also the author of Hurricane Trinity (Unsolicited Press), the poetry collection So Marvelously Far (Crisis Chronicles Press), and the chapbook Decomposed (Cabin Floor Esoterica). His work has appeared in Epiphany, Reckon Review, Atticus Review, and more. He lives between Ohio and Washington, DC, and is nine years into recovery. Find him at nickreesgardner.com

Nick Rees Gardner is the author of Delinquents and Other Escape Attempts (Madrona Books), a gritty, poetic collection of linked stories about addiction, recovery, and resilience in the fictional town of Westinghouse, Ohio. Grab a copy from Madrona Books or Amazon. He's also the author of Hurricane Trinity (Unsolicited Press), the poetry collection So Marvelously Far (Crisis Chronicles Press), and the chapbook Decomposed (Cabin Floor Esoterica). His work has appeared in Epiphany, Reckon Review, Atticus Review, and more. He lives between Ohio and Washington, DC, and is nine years into recovery. Find him at nickreesgardner.com

This episode has a large news slate: White House sets 25% auto tariffs, OpenAI eyes $40B funding round, and Delinquent student debt hits $250B. Roundtable: Trying out the new ChatGPT image creation function https://www.instagram.com/delano.saporu/?hl=en. Connect with me here also: https://newstreetadvisorsgroup.com/social/. Want to support the show? Feel free to do so here! https://anchor.fm/delano-saporu4/support. Thank you for listening.

A man driving through the English countryside is horrified when he believes he has run over a young girl. However, upon investigation, he finds no evidence of an accident, leading him into a mysterious and unsettling experience. Hear the tale, “On Harting Hill” from BBC's show, Ghost Story!CHAPTERS & TIME STAMPS (All Times Approximate)…00:00:00.000 = Show Open00:02:00.000 = CBS Radio Mystery Theater, “The Summer People” (October 24, 1975) ***WD00:47:02.439 = Adventures of the Abbotts, “Murder of a Fabulous Redhead” (June 05, 1955) ***WD01:14:33.969 = BBC Ghost Story, “On Harting Hill” (January 01, 2013)01:29:22.699 = Beyond The Green Door, “Dillingsworth Diamond Corp” (1966) ***WD01:33:44.099 = The Black Book, “Different Readings – AudR1” (November 21, 1951) ***WD01:50:42.459 = The Black Book, “Different Readings – AudR2” (November 21, 1951) ***WD01:59:16.079 = Box 13, “Delinquent's Dilemma” (February 13, 1949) ***WD02:25:56.009 = Incredible But True, “The Vanishing Clergyman” (1950-1951) ***WD02:29:44.159 = Chet Chetter's Tales From The Morgue, “Excursions In Fear” (1990-1992) ***WD02:57:10.769 = The Clock, “Past or Present” (March 30, 1947) ***WD03:21:45.159 = The Confession, “Martin Everett” (July 12, 1953)03:51:30.469 = The Sounds of Darkness, “Painted Red” (November 25, 1969)04:18:21.439 = Dimension X, “Shanghied” (November 12, 1950) ***WD04:48:45.779 = The Strange Dr. Weird, “Revenge From The Grave” (May 15, 1945) ***WD05:00:52.427 = Show Close(ADU) = Air Date Unknown(LQ) = Low Quality***WD = Remastered, edited, or cleaned up by Weird Darkness to make the episode listenable. Audio may not be pristine, but it will be better than the original file which may have been unusable or more difficult to hear without editing.Weird Darkness theme by Alibi Music Library= = = = ="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46= = = = =WeirdDarkness® is a registered trademark. Copyright ©2025, Weird Darkness.= = = = =CUSTOM WEBPAGE: https://weirddarkness.com/WDRR0343

Something alarming is happening.1 in 6 young men today is suffering from depression. Many feel lost, disconnected, and without a compelling future. And if we look closer, there's a pattern:Fewer male role models.A lack of purpose, mentorship, and belonging.The disappearance of traditional rites of passage into adulthood.When young men don't find healthy teams and communities around them, they form destructive gangs—online and in real life. Our young men are in crisis. And as a dad with a son, this is scary. After an eye-opening conversation with Dan Sullivan, I had a massive aha moment—a few game-changing insights that can help you break free, level up, and create a future that excites you and hopefully a young man you know.KEY INSIGHTSThe Societal Impact of Male Congregation: Dan Sullivan argues that the way young men come together is fundamental to a society's prosperity and creativity. Encouraging the formation of teams that benefit the public is essential, while failure to do so can lead to the rise of gangs.Addressing Status Frustration: Mike Koenigs references Albert Cohen's study of delinquent subcultures, noting that gangs often emerge from status frustration among working-class youth. The solution lies in channeling collective action and shared ideals into positive team-building activities.The Significance of a Compelling Future: A major theme is the lack of a compelling future for many young men, which contributes to feelings of being lost and can even lead to homelessness. Combating Dopamine Addiction and Human Avoidance: There is a growing problem of dopamine addiction to technology, easy sex, and pornography, which leads to social isolation and the rise of "incel" culture. Real-world interactions and teamwork can combat these negative trends.The Importance of Teamwork and Unique Abilities: Teamwork and individual capabilities are paramount in today's entrepreneurial landscape. Recognize and appreciate the unique abilities of each team member. Appreciating Gender Differences in Teams: Dan Sullivan notes that men and women have different biological and social dynamics, but the most successful entrepreneurs are those who can effectively collaborate with the opposite gender. Experiential Education: Dan Sullivan advocates for a different kind of educational system where you study your own experience and turn it into lessons.The American Advantage: The American system is flexible, which allows individuals to thrive and create their own opportunities. Leadership and Mentorship: Strong leadership and mentorship is imperative. Dan notes that his company is run by a woman and his wife, Babs, who oversees the operations, while he focuses on the creative aspects.TIME STAMPS[00:01:48] The nature of a society is greatly affected by how young men congregate; a prosperous society ensures young men congregate in teams beneficial to the public, otherwise they may form gangs.[00:03:42] Some believe Caitlin Clark's success in women's basketball is attributed to her early experience playing on boys' teams, learning a different, more competitive style of play.[[00:07:50] Delinquent subcultures and gangs form as a response to status frustration, but collective action can be channeled into positive team building.[00:08:53] A lack of a compelling future frustrates young men, contributing to homelessness.[00:15:14] The U.S. Army today is a better, all-volunteer army with a demographic of people slightly above average in education and background. Social structures, institutions, economic opportunities, social mobility, positive outlets, mentorship, collective action, and group identity help propel men forward. [00:19:26] Dopamine addiction to phones, easy sex, and porn, coupled with human avoidance, is creating an epidemic-level incel culture among young men.[00:20:34] Children today lack the sense of usefulness and role in something bigger that farm kids had.[00:25:11] Role models and knowing what adulthood looks like are important, and gaming has picked up some of the slack in this area.[00:28:19] Women in Strategic Coach workshops are "lucky exceptions" because they've learned how men operate.[00:32:11] Entrepreneurs have early personal confidence and are willing to stick with their path even if it costs them socially.Some entrepreneurs always had a singularity of purpose and were more interested in their own pursuits than what others were doing.[00:39:10] A different kind of educational system is needed where one studies their own experience and turns it into lessons.[00:41:12] Men naturally form teams, while women have cliques and are told to be pleasing to men. Male entrepreneurs who work well with women and vice versa are way ahead.[00:49:13] It is possible to create great teamwork regardless of team members due to entrepreneurism and technology. Appreciate differences, but congregate around unique abilities; life is bigger than just you, and you can contribute to big things as part of a team.Additional ResourcesDownload your FREE digital and/or audio version of my bestselling book, “Your Next Act!”SUBSCRIBE FOR MORE VIDEOS

Send us a textWhat's up, Delinquents? We're BACK with a brand-new episode, and you don't want to miss this one!This week, Jerry and Breeze are joined by Show to break down everything that's happened during our hiatus. From behind-the-scenes updates to wild stories, we're catching you up on all the chaos!Tune in for:✅ Where we've been & why we took a break✅ Life updates and unexpected twists✅ What's next for the podcast!Drop a comment below and let us know what you've been up to! Don't forget to like, subscribe, and hit that notification bell so you never miss an episode.Listen on Spotify, Apple Podcasts & more! [Insert links]

Send us a textWhat's Up, Delinquents? Jerry's back with an update!This week, Jerry updates the Play Cousins on the podcast's return date. Thank you to everyone who listens to us weekly, old cousins and new delinquents!Submit a Love Em' or Leave Em' Letter: https://forms.gle/XNwA7mYLj9xNe4T1AThank you for Listening Each Week. #Podcast #Comedy #Music #funnySupport the showFollow The Hosts on Social Media:Jerry Tha Great - http://bit.ly/Jerrythagreat2Support the showFollow The Hosts on Social Media:Jerry Tha Great - http://bit.ly/Jerrythagreat2Breeze - https://bit.ly/BigBurrSupport the showFollow The Hosts on Social Media:Jerry Tha Great - http://bit.ly/Jerrythagreat2Breeze - https://bit.ly/BigBurr

It's Tuesday, January 28th, A.D. 2025. This is The Worldview in 5 Minutes heard on 125 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Brazil's Leftist president a liability Brazil's Left-wing president is not doing well in the polls. Luiz Inácio da Silva's ratings have dipped to 47%. Lula's deficits are running 9.5% of the Brazilian Gross Domestic Product which is the measure of the total value of goods and services produced in a country over a year. The Brazil Real, which is worth 16 cents in America, has dropped 16% in reference to the U.S. dollar since he took office. The Real took the dubious award for the worst-performing major currency in 2024, reports The Economist.  Brazil's debt to GDP also increased from 71% to 78% in 2024 Milei's conservative policies boosted Argentina's economy Meanwhile, just south of Brazil, Argentina's government under President Javier Milei has successfully reduced the nation's Debt to GDP ratio in 2024 from 155% to 112%. Milei's fiscally conservative policies also improved the nation's Gross Domestic Product slightly, year over year. South Africa seizing private property without compensation And, last week, South African President Cyril Ramaphosa signed a bill into law that would allow the national government to seize private property without having to pay compensation. The confiscations will be allowed where it is “just and equitable and in the public interest.” The radical measure has fired up disunity among parties in the new South African government. Power shifted a bit in South African government after last year's election. The African National Congress and the South African Communist Party dropped from 68% to 49.7% control over the nation's government. Redistribution of the land has not yielded good results thus far for the South African people.  Business Day reported that “On-farm beneficiaries earn little-to-no income, and the majority of beneficiaries seek employment on surrounding commercial farms instead of actively farming their own land. Where land reform farms are in operation, they operate below their full commercial potential and have a strong bias towards subsistence agriculture. Across sampled sites, crop production had decreased by 79% since conversion to land reform.” God's law states plainly, “Thou shalt not steal.” (Exodus 20:15) Trump's administration arrested 2,500 illegals since Thursday The U.S. Immigration and Customs Enforcement agency has already arrested 2,500 illegal immigrants since last Thursday, 956 on Sunday, reports One America News. This isn't the first time the United States has deported illegal immigrants. The previous administration averaged about 311 deportations per day, according to ICE reports.  About one-third of deportations in 2023 were individuals facing serious charges or convictions of crime as well as 237 known terrorists.  Democrats oppose protecting baby survivors of botched abortions The U.S. Congress still has proven itself incapable of taking the most basic pro-life position against the greatest evil in American society today. Republican Senator James Lankford's  Born-Alive Abortion Survivors Protection Act failed again last Thursday, as 47  Democrats voted against allowing the bill to proceed in the Senate. Listen to what Republican Majority Leader John Thune of South Dakota said about the Democrat opposition. THUNE: “We should all be able to agree that a baby born alive after an attempted abortion must be protected. And yet, I fully expect that later today, my Democrat colleagues will vote no on this legislation. “They will vote against protection for a living, breathing newborn baby simply because that child has been born alive after an attempted abortion. Why are they going to vote like that, Mr. President?  After all, I think most Democrats would still claim to oppose infanticide, even if the moral line at times appears to be slipping. And yet, Democrats are going to vote against legislation to provide appropriate medical care to living, breathing, newborn children.” Be sure of this: “Though they join forces, the wicked will not go unpunished; But the posterity of the righteous will be delivered.” (Proverbs 11:21) Rubio halts all foreign spending except for Israel, Egypt, & emergency food assistance Politico reports that Secretary of State Marco Rubio has halted all foreign aid spending for 90 days, including distributions to Ukraine. However, the order exempts foreign military financing for Egypt and Israel, and allows for emergency food assistance and “legitimate expenses incurred prior to the date of this” guidance “under existing awards.” 11% now delinquent on mortgage Commercial Mortgage-Backed Security reports the highest delinquency rate on mortgages in recorded history going back into the 1990s — now at 11%. That's up from 2% in 2023. Coresight, which tracks store closures, recorded a total of 7,325 retail stores shuttered up last year — a 67% increase over 2023. Family Dollar and CVS were the big losers. Amazon, Walmart, and Costco had big years. Coresight estimates 15,000 closures this year to include Party City, Big Lots, and Walgreens, reports CNBC. 75% of Christian men & 40% of Christian women use porn Barna Group and Pure Desire Ministries issued their 2024 “Beyond the Porn Phenomenon” report  concluding that pornography use has increased 11% over the last eight years. Seventy-five percent of Christian men and 40 percent of Christian women report that they are viewing pornography at least occasionally, and 60% are addicted. About half of practicing Christians say they are comfortable with the habit. Also, the younger generation (or Gen Zers) were the least likely to express comfort with how much porn they use. Gen Zers were almost twice as likely to say they wished they didn't use pornography at all, as compared to older generations. John Piper cites 2 Biblical motivations not to use porn Pastor John Piper addressed the porn problem in his recent “Ask Pastor John” podcast.   PIPER: “The biblical principle of motivation for purity, for not pursuing or indulging in sexual pleasure where it ought not to be found, is that the Bible uses fear and hope to draw us away from impurity. You hear both of these, for example, in Romans 8:13. “‘If you live according to the flesh, you will die. But if, by the Spirit, you put to death the deeds of the body, you will live.'  So, if you spend your life giving into lust, the lust of the flesh, you perish. Now, that's meant to make us afraid. It's meant to strike fear into our hearts so that we turn away, flee from temptations of the flesh. “But then he says, ‘If by the Spirit, you put to death the deeds of the body, you will live.' And that's meant to awaken hope. In the power of the hope, pursue this purity and not sin. So, the Bible uses both fear and hope, threat and promise.” He points to the Gospel motive from 1 Peter 2:24. It says, “He Himself bore our sins in His own body on the tree, that we, having died to sins, might live for righteousness—by whose stripes you were healed.”   Pastor Piper emphasized that “Christ purchased the power not to sin.” Pray for Pastor John MacArthur's recovery after heart surgery And finally, Pastor John MacArthur, the host of the radio program Grace to You, remains in the hospital following heart valve surgery, dealing with ongoing issues with his heart, lungs and kidney. Grace Community Church Elder Phil Johnson took to X to correct rumors that the pastor was dying. Johnson is urging fellow believers to “keep him in your prayers.”  Please pray for his recovery and send a get well card to Pastor John MacArthur, Grace Community Church, 13248 Roscoe Blvd, Sun Valley, CA 91352. I hope you will be one of hundreds of Worldview listeners to take the time to do so. Close And that's The Worldview on this Tuesday, January 28th, in the year of our Lord 2025. Subscribe by Amazon Music or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Or get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Send us a textWhat's Up, Delinquents? It's been a while - and Jerry has some explaining to do.This week, Jerry updates the Play Cousins on the podcast's hiatus and when the show will return. He also discusses his time in Africa and what he's learned. Thank you to everyone who listens to us weekly, old cousins and new delinquents!Submit a Love Em' or Leave Em' Letter: https://forms.gle/XNwA7mYLj9xNe4T1AThank you for Listening Each Week. #Podcast #Comedy #Music #funnySupport the showFollow The Hosts on Social Media:Jerry Tha Great - http://bit.ly/Jerrythagreat2Support the showFollow The Hosts on Social Media:Jerry Tha Great - http://bit.ly/Jerrythagreat2Breeze - https://bit.ly/BigBurr

My guest today is Rishi Dastidar who is a poet and editor based in London. Rishi discusses his own particular view of Larkin's portrayal of Englishness in both his letters and his poetry, Larkin's contemporaries such as TS Eliot and Alan Bennett, and the vibrant role poetry plays in the UK's cultural landscape.  Rishi Dastidar's poetry has been published by the Financial Times, The Guardian and BBC and more. He is a fellow of The Complete Works, and a consulting editor at The Rialto magazine. A poem from his debut collection Ticker-tape was included in The Forward Book of Poetry 2018, and his second collection, Saffron Jack, was published in the UK by Nine Arches Press in 2020. He is also editor of The Craft: A Guide to Making Poetry Happen in the 21st Century (Nine Arches Press), and co-editor of Too Young, Too Loud, Too Different: Poems from Malika's Poetry Kitchen (Corsair). He is the chair of the board of trustees for Wasafari Magazine. Larkin poems discussed: Poetry of Departures, Friday Night In the Royal Station Hotel, Afternoons, The Building, The Whitsun Weddings, Toads, Waiting for Breakfast Other references: Kingsley Amis, Alan Bennett, Ezra Pound The Poetry Review, The New Yorker,  The Delinquent https://delinquentmagazine.bigcartel.com/,  Smiths Knoll magazine (https://poetrymagazines.org.uk/magazine/index190a.html?id=17),  The Faber Academy https://faberacademy.com/ The Love Song of J Alfred Prufock by TS Eliot (1915) Wild God by Nick Cave and the Bad Seeds (2024 PIAS Recordings) Sometimes a Wild God by Tom Hirons https://tomhirons.com/poetry/sometimes-a-wild-god (2017) Neptune's Projects  by Rishi Dastidur (2023)  https://ninearchespress.com/publications/poetry-collections/neptune-s-projects Time by Pink Floyd ‘hanging on in quiet desperation is the English way' from The Dark Side of the Moon (1973) George Best, footballer https://nostalgiacentral.com/pop-culture/people/george-best/ UK films/radio of the 1950s/60s:Passport to Pimlico, Whiskey Galore, The Goons, Kind Hearts and Coronets Music: Lazy River by Sidney Bechet Time by Pink Floyd Theme music: The Horns of the Morning by Wes Finch and the Mechanicals Band https://themechanicalsband.bandcamp.com/album/the-righteous-jazz Produced by Lyn Lockwood and Gavin Hogg Please email Lyn at ⁠plsdeputychair@gmail.com ⁠ with any questions or comments PLS Membership, events, merchandise and information: philiplarkin.com

The Guys wish everyone a Happy New Year! George gives a shout-out to Ed Brown for his continued support for the podcast! News You Can Use and Share The Genealogy Guys issued a press release announcing the discontinuation of the Genealogy Guys Learn subscription educational website effective 1 January 2025. The Guys have partnered with Legacy Family Tree Webinars to migrate their video content to Legacy over time. MyHeritage has announced the suspension of services in Russia due to Russian regulations concerning hosting personal data on its web service. MyHeritage recapped its growth in 2024 with impressive statistics. MyHeritage announced the completion of images and indexes for 15 collections of newspaper names and stories at OldNews.com. This is an addition of 11.6 billion records. Legacy Family Tree Webinars, a subsidiary of MyHeritage, announced that registration is now open for 2025. FamilySearch added free historical record collections in December 2024 from 49 countries. FamilySearch has announced its plans for 2025. Listener Email Several people responded on the subject of genealogy-based trips to Ireland, similar to those that Irish expert Donna M. Moughty offered. We share their suggestions. Brian also responds to the question of whether there is a genealogy podcast that shares people's stories of family history research. Christina asks whether it is worthwhile to upgrade from RootsMagic 9 to RootsMagic 10, and The Guys respond. In addition to Brian, Kamai responded to a previous podcast's query about podcasts specifically related to family histories. Crista Cowan, known as The Barefoot Genealogist, has a podcast called Stories That Live in Us at https://www.cristacowan.com/stories-that-live-in-us-podcast. Kenith is searching for Calvin Reed, his wife Rhoda (?), and their daughter, Eliza Ruth Reed, Ohio. If you have information or research suggestions, please email The Guys. George is working on a family book and sought the 1880 U.S. Federal Census Agricultural Schedules for Mecklenburg County, North Carolina. It highlights the critical absence of Agricultural Schedules, Manufacturing Schedules, Mortality Schedules, some Slave Schedules (1850 and 1860), and the unique 7-page 1880 Federal Census' Defective, Delinquent, and Dependent Schedules. These documents all enhance the context of our ancestors' lives and provide insights into the communities and potentially new resource clues. The originals of many of these documents were returned to individual states, and have found their way into state archives, state libraries, county courthouses, and other places. George wants the sites like MyHeritage, Ancestry, FamilySearch, Findmypast, and others to actively renew their research to locate, digitize, and index these census documents before they are completely lost. Drew will be speaking at the Genealogical Society of Kendall County, Texas, on Saturday, 15 February 2025. See https://gskctx.org/ for details. Drew will also be presenting in person at RootsTech 2025 in Salt Lake City, Utah, on 6-8 March 2025. Registration for RootsTech is open for on-site attendance and virtual sessions.Visit https://www.familysearch.org/en/rootstech/ for details. Please let us hear from you at genealogyguys@gmail.com with your questions and comments.

Turley Wine Cellars In this episode, Rob and Scott celebrate the Christmas season as they review the newly released Delinquent Zinfandel Port from Turley Wine Cellars.  So come join us, on The Wine Vault.

You don't have to be a football afficionado to appreciate wide receivers in tight pants. Here's some books to appease that appreciation.Questions/comments/concerns/recommendations? Email us at ragingromantics@nopl.org! Tutoring the Delinquent by Jessa KaneThe C*ck Down the Block by Amy AwardFalling Hard by Nichole RoseTreasure State Wildcat series by Devney PerryClose Knit by Kels Stone

Join hosts Nathan and Tony in this exciting episode of the Advanced Age Roleplaying Gamers Podcast, featuring special guest Chris Prynoski, the founder and president of Titmouse, the iconic animation studio behind Vox Machina, MTV Downtown, and Venture Bros! Chris shares hilarious and wild stories from the early days of animation, discusses the legacy of Downtown, and the influence of Critical Role on modern D&D culture. Get insights on Titmouse's latest projects, including their TTRPG game Drunkards, Druggies, and Delinquents, currently on Kickstarter. Don't miss Chris's journey from SVA student to animation powerhouse, plus a few embarrassing moments with Tony along the way!

Hasbro's quarterly earnings meeting where the mixed bag of news for Wizards of the Coast has been revealed, with strong D&D book sales but a drop in digital revenue. The chilling new Ravenloft novel Heir of Strahd by Delilah S. Dawson is previewed, giving a haunting look at an adventure in Barovia set for release in April 2025. Meanwhile, Starfinder 2E playtests its level 10 content with Empires Devoured, an adventure packed with new monsters and high-stakes diplomacy, while The Legend of Vox Machina gets renewed for a fourth season on Amazon Prime Video! And for Life is Strange fans, a new free TTRPG murder mystery game, Two Moons Rising, is now available on DriveThruRPG, offering a narrative experience in the beloved universe. Catch up on these stories and more in today's episode! This week, we chat about the MÖRK BORG video game adaptation, "Mork Borg Heresy Supreme," set to launch via Kickstarter on October 1. We also dive into Wizards of the Coast's big win with the 2024 Dungeons & Dragons Player's Handbook, which has become the fastest-selling book in D&D history. Plus, we talk about WotC's search for a new Senior Brand Publicity Manager following Greg Tito's departure. Fans of the 80s Dungeons & Dragons cartoon will be excited to hear about the first 2024 D&D adventure, starring Uni the unicorn and the cartoon heroes in "Uni and the Hunt for the Lost Horn." Lastly, Titmouse Animation Studio steps into the TTRPG world with their upcoming satirical game, "Drunkards, Druggies, & Delinquents," hitting BackerKit in October. Find the podcast here - https://podcasts.apple.com/us/podcast/10-minute-tabletop-news/id1668590562 If you'd like to support the podcast head over to our Patreon - https://www.patreon.com/totalpartychill Get $10 in credit on StartPlaying when you sign up for a new account using this link: https://startplaying.games/referral/ck90w2cdc0166bopk2h8f2mw5 Editing and Mixing - Viacheslav Zhiradkov Content Editor - Sergio Solorzano -------- For more actual plays, reviews, giveaways, and recommendations check out https://totalpartychill.com​​​​​

If you were patient enough to handle an extra-long wait for this episode, then you'll be patient enough to enjoy the extra-long movie we discuss in it! Two middle-aged men examine the parallels in their lives, pursue freedom, and consider the paths not taken, all under the guise of pulling off a simple Heist. This description refers to the movie, but kind of to Chris and Shawn as well? Listen and decide! Our theme music is "The Brotherhood" by Soundroll -- check it out on Uppbeat.io Twitter/X: @30SecondsPod Instagram: 30secondsflatpod Chris' radio show, every other Thursday at 1:00pm CST: https://www.twitch.tv/thelife983fm

On today's episode of The Lives of Writers, Andrew Bertaina interviews Nick Rees Gardner.Andrew Bertaina is the author of the essay collection The Body Is A Temporary Gathering Place, out now from Autofocus Books, and the short story collection One Person Away From You (2021), which won the Moon City Short Fiction Award. Nick Rees Gardner is the author of the story collection Delinquents and Other Escape Attempts (Madrona Books, 2024).  He's also the author of the novella Hurricane Trinity, a book of poetry, So Marvelously Far (2019), and a chapbook Decomposed (2017). ____________Full conversation topics include:-- buying a beer & wine store-- morning vs evening writing-- wanting to write-- running-- grandma as childhood poetry teacher-- emo poetry in high school-- drugs in college--short stories-- dropping out for rehab-- the short story collection DELINQUENTS-- from novel to story collection-- time-- knowing when a story is done-- rewriting drafts-- slowing down-- process-- reviewing books-- influence-- rhythm-- subverting the narrative of rehab____________Podcast theme music also provided by Mike Nagel. Here's more of his project: Yeah Yeah Cool Cool.The Lives of Writers is edited and produced by Michael Wheaton.

We've all ridden the rollercoaster of emotions as writers--the joy when you actually *like* your work, and the despair when you overthink all of it. Co-hosts Rachel Coonce and Abi Newhouse talk with October Author's Corner spotlight, Nick Gardner, about feeling proud, feeling terrified, and how tapping into our childlike selves can actually help us breakthrough emotional turmoil. Nick reads us a part of his new book, Delinquents and Other Escape Attempts, which gave him particular grief while writing, and then they all play a game where they determine whether a piece of writing was written by a novice writer or a prestige one.

“We know that our old self was crucified with him in order that the body of sin might be brought to nothing, so that we would no longer be enslaved to sin.” - Romans 6:6Being born again in Christ changes a person. We're given a new nature that fights against our old, corrupt nature. Sometimes, the evidence of this is in the area of finances. Straight ahead—a journey to faithful stewardship.Bobby's TestimonyIt's always a great privilege to connect with people, answer their financial questions, and offer help whenever possible. Recently, we spoke with Bobby from Nebraska, whose story is a powerful testament to the transformative power of faith and determination.Bobby was in a tough spot. He had accumulated significant debt, including a car repossession, delinquent medical and credit card debt, and unpaid overdraft loans sent to collections. But despite his financial struggles, Bobby was committed to turning his life around. When asked if anything had changed in his life since accumulating that debt, Bobby shared his story.In his own words, Bobby explained, “Back then, I was big into partying and addicted to drugs. I sold drugs and went to prison for it. Well, now I'm clean and sober. I don't do any of that anymore. I actually have money in my bank account. September 10th, 2021, was the biggest start of it. That's when I gave my life to Jesus Christ. And now I'm just trying to get everything back in line and where it needs to be.”Hearing how Bobby's life has changed since inviting Christ in as his Savior was truly inspiring. His commitment to sobriety and financial stewardship is a powerful example of God's redemptive power.Steps Toward Financial FreedomA few weeks ago, we advised Bobby to take several steps to get his finances in order. First, we recommended that he pull copies of his credit reports from Experian, Equifax, and TransUnion to identify all his debts. Then, we suggested he contact Christian Credit Counselors to help manage his credit card debt through a debt management plan, which would consolidate his payments and help him pay off his debt faster.We also offered to connect Bobby with one of our Certified Christian Financial Counselors (CertCFC) at no charge. This counselor would work with him one-on-one to develop a budget and create a plan for paying off his old debts. Finally, we took a moment to pray with Bobby, thanking God for His miraculous intervention and the gift of eternal life that Bobby had received.Biblical Principles Guiding Bobby's TransformationBobby's journey highlights several biblical principles that are now guiding his life:The Body as a Temple: Bobby's decision to give up drugs aligns with 1 Corinthians 6:19, which reminds us that our bodies are temples of the Holy Spirit. Recognizing that we are not our own but belong to God is a powerful motivator for making healthy choices.Humility: Bobby's willingness to seek help, even on a public platform, reflects the humility described in Proverbs 22:4: “The reward for humility and fear of the Lord is riches and honor and life.”Honesty: Bobby's commitment to owning up to his debt is a reflection of the biblical principle of honesty. Exodus 20:16 and Colossians 3:9 teach us the importance of living truthfully, especially as followers of Christ.Repaying Debts: The Bible emphasizes the importance of repaying what we owe. Psalm 37:21 says, “The wicked borrows but does not pay back, but the righteous is generous and gives.” Bobby's desire to pay off his debt is a step toward fulfilling this principle.Stewardship: Perhaps the most significant principle guiding Bobby now is stewardship. He wants to manage his finances faithfully, in line with 1 Corinthians 4:2: “It is required of stewards that they be found faithful.”We were grateful to help Bobby on his journey to faithful stewardship, and we want to extend that same help to you. If you're struggling with your finances, need help creating a budget, or want to develop a plan to pay down debt and start saving, please reach out to us. We're here to help you take the next step toward financial freedom and faithful stewardship.Bobby's story is a powerful reminder that with God's help, it's never too late to turn your life around and get back on track. If you're ready to take that step, we're here to walk alongside you.On Today's Program, Rob Answers Listener Questions:I'm 70 and have a lot saved in my retirement accounts. I want to help my daughter and son-in-law, who are in their 20s, buy their first home. What's the best way for me to gift them money from my 401(k) without creating tax issues?I renovated a duplex and am having trouble renting it out. Should I sell the property to avoid capital gains taxes or keep trying to find tenants?I rent out a 3-unit apartment building. Would applying for an LLC benefit this rental property?Resources Mentioned:Rich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

On this Monday edition of Sid & Friends in the Morning, we preview the week that is to come in Chicago, where the Democrat National Convention is being held through Thursday night of this week. We'll have coverage all throughout the week on the events taking place in Chicago, but not necessarily the kind of coverage you'd enjoy if you lean left. In other news of the day, Kamala Harris unveils her policy on the economy if she's to be elected President, disgraced former Congressman George Santos is set to plead guilty to the federal charges brought against him for blatantly lying about his resume, and Donald Trump continues to bring the fight to the Democrats while campaigning in Pennsylvania over the weekend. Yehuda Honickmen, Curtis Sliwa, Monica Crowley, John Catsimatidis, Lara Trump and Nicole Malliotakis join Sid as we get a fresh week underway on Sid & Friends in the Morning. Learn more about your ad choices. Visit megaphone.fm/adchoices

This is the fourth mini summer episode of Talking About Kids. In it, I share some favorable statistics about kids and delinquency. I hope these encouraging facts about kids will help us through the stress and fear-mongering of this political season. Links to some of the research I cite are at talkingaboutkids.com. Full-length Talking About Kids episodes return in the Fall.

It's our annual tradition! Harris and Cousin Josh will count down their favorite movies of 2023 and talk about why they work (and sometimes why they don't). Maybe you'll enjoy our opinions, or maybe we'll just put a few different movies on your radar screen. Thanks for listening!   Josh's Top 10 Movies Of 2023: 10. Bottoms 9. You Hurt My Feelings 8. The Deepest Breath 7. The Holdovers 6. Anatomy Of A Fall 5. The Zone Of Interest 4. Rye Lane 3. Past Lives 2. How To Blow Up A Pipeline 1. Oppenheimer   Chris's Top 20 Movies Of 2023: 20. The Teachers' Lounge 19. Across The Spider-Verse 18. The Delinquents 17. The Holdovers 16. American Fiction 15. Blue Jean 14. Past Lives 13. Close Your Eyes 12. Oppenheimer 11. All Of Us Strangers 10. About Dry Grasses 9. Fremont 8. Amanda 7. Showing Up 6. Return To Seoul 5. Anatomy Of A Fall 4. Killers Of The Flower Moon 3. The Zone Of Interest 2. How To Blow Up A Pipeline 1. Poor Things

Trigger warning: mention of child abuse, sexual assault, violence, imprisonment, and torture.  For juvenile delinquents during the Victorian era, society created a new type of prison to severely punish them. Enter Reformatory Schools. Preston School of Industry, now known as Preston Castle, was a place of misery, conflict, disease, and murder. It's no wonder spirits still wander these halls today, begging for mercy and justice for their wrongful deaths. Have ghost stories of your own? E-mail them to us at twogirlsoneghostpodcast@gmail.com This episode is sponsored by OneSkin, ShhTape, Jenni Kayne, Jovi and Nutrafol. Feel your best at every age. Get started today with 15% off using code TGOG at oneskin.co.  ShhTape knows they can increase your quality of sleep. To help, they're giving you a chance to buy ShhTape for 50% off, using code TGOG50 on their website ShhTape.com. Find your new uniform at jennikayne.com. Our listeners get 15% off your first order when you use code TGOG at checkout. Jovi has helped tens of thousands of women thrive through every day of their cycles. If you want to become one of them, head to MeetJovi.com/TGOG and use code TGOG for 40% off your order. Take the first step to visibly thicker, healthier hair. For a limited time, Nutrafol is offering our listeners $10 off your first month's subscription and free shipping when you go to Nutrafol.com and enter the promo code TGOG. If you enjoy our show, please consider joining our Patreon, rating and reviewing on iTunes & Spotify and following us on social media! Youtube, Instagram, TikTok, Facebook, and Discord. Edited and produced by Jaimi Ryan, original music by Arms Akimbo! Disclaimer: the use of white sage and smudging is a closed practice. If you're looking to cleanse your space, here are some great alternatives!