Podcasts about Digest

The common method of treatment in the healthcare system is to look at what medicine the patient can take to help with their symptoms. However, in this watch and wait system, there are so many things that are skipped over that people could be doing that could get them to the point of not needing medication. Dr. Meg Mill is joining me today to discuss the importance of finding the root cause of health issues. Dr. Meg Mill is a Functional Medicine Practitioner, bestselling author, podcast host and speaker. In her virtual Functional Medicine practice, she works with patients worldwide to heal the root cause of their health struggles through advanced diagnostic testing and personalized support. She has been seen on Fox News Channel, ABC, NBC, CBS, CNN, in Reader's Digest, Health Magazine, and has appeared on many podcasts. In her podcast A Little Bit Healthier she discusses simple things you can add to your life every day to live a healthier, more fulfilled life. Meg is particularly passionate about helping people end headaches and migraines, increase energy and restore mental clarity without drugs or overwhelming protocols with her proven E.A.T. Method. In this episode, Dr. Meg Mill is discussing the current watch and wait system of healthcare, why she chose to focus on headaches in her practice, the importance of looking at the unique individual to determine root causes, different causes of headaches, and possible ways to get relief from headaches. In this episode we discuss: How getting to the root cause of health issues would decrease the usage of medications Why Dr. Meg Mill chose to focus on people suffering from chronic headaches Common foods that may trigger headaches or migraines The difference between a food sensitivity and a food allergy How hormones relate to headaches and migraines What common signs and symptoms of estrogen dominance are Things you can do if you are experiencing headaches due to severe fluctuation in hormones How magnesium may help with headaches How stress plays a role in headaches and migraines and what to do to help with that Resources: www.megmill.com Discount code from my sponsors: Navy Hair Care Shampoo + Conditioner: use code LYNZY for 30% off Navy Hair Care Charcoal Mask: use code LYNZY for 30% off Earth Breeze: save 40% at www.earthbreeze.com/lynzy Connect with Lynzy: Instagram: @motherhoodmeetsmedicine Sign up for the weekly newsletter here lynzyandco.com Disclaimer: This podcast does not provide medical advice. The information on this podcast is for informational purposes only. No material on this site is intended to be a substitute for professional medical advice, diagnosis or treatment.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Call border patrol, get shot dead :: Robert in SC says the people are responsible for war :: Caller says Jerome is a marxist and is a racist and had his own intro music :: Several callers opine on Jerome's calls :: Sarah in NM is a horrible salesperson :: Politicians who say "it'll be the end of democracy!" :: Regulation of non alcoholic beverages :: Classic wants a game boy :: 2023-05-21 Captain Kickass, Steve Classic, Nikki Support Riley on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

The EU fines Meta a record €1.2B for sending European user data to the US in violation of GDPR. What now for Meta? The Cyberspace Administration of China has warned critical infrastructure operators against buying components from the memory chip maker Micron, citing “relatively serious” cybersecurity risks in its products. And Instagram is planning on releasing a text-based Twitter competitor, codenamed P92 or Barcelona that could arrive as early as June as a separate app. Starring Tom Merritt, Rich Stroffolino, Justin Robert Young, Roger Chang, Amos, Joe To read the show notes in a separate page click here! Support the show on Patreon by becoming a supporter!

Greg is a US Marine Corps veteran that served 3 combat deployments in support of Operation Iraqi Freedom and Operation Enduring Freedom. As a Marine, he led and took part in combat & humanitarian missions. Greg was honorably discharged at the rank of Sergeant in 2006. He is  also known as the co-founder of Burn Pit BBQ, where he shares grilling and barbecuing tips. He is a certified ECHO and NeuroLeadership Brain Based professional coach. Among his many endeavors Greg has been married for 15 years and has 3 boys.

Here are the highlights from the latest episode of Beard Talk Live. Support Riley on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

Greater Idaho Movement Gains 12th County's Vote :: Libertarians Excited about Scum Politicians :: Immigration :: Prison :: Anti-Drug Bonnie :: El Salvador Targeted by US Senators :: Congressman Likens Crypto to Drug Dealing, Organ Harvesting :: 2023-05-20 Ian, Captain Kickass, Peakless Mountaineer Support Riley on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

Dana Larsen of Vancouver's Mushroom Dispensary and GetYourDrugsTested.com Joins Us :: L.A. Illegal Mushroom Dispensaries :: Selling Crack :: Congress to Mandate AM Radio in Cars? :: Harm Reduction :: Breatharian Nonsense :: 2023-05-19 Ian, Chris W. Support me on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

FTL Digest 2023-05-18 by Free Talk Live

The Wall Street Journal reports that Apple restricted some of its employees from using generative models at work over concerns about leaks. Barclay's financial strategists highlighted streaming services were a new source of pressure on the Japanese Yen. Grub Street's Ezra Marcus has a story called “Cheesier, Saucier, and Drowning in Caviar How TikTok took over the menu.” Is TikTok changing the way restaurants approach presentation? Starring Tom Merritt, Robb Dunewood, Len Peralta, Roger Chang, Joe, Amos To read the show notes in a separate page click here! Support the show on Patreon by becoming a supporter!

Billy Warlock shares memories of his various daytime roles, from DAYS's Frankie to GH's A.J., his BAYWATCH run, his new life in Colorado and more with Digest's Stephanie Sloane and Mara Levinsky. We also discuss the Daytime Emmy postponement and preview what's coming up on all the soaps.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Macs and windows :: Drunk driver switches place with dog :: Jesus was black :: Major Pain gets angry again :: Death of the Chevron Deferrence? :: LBRY :: Defund the police :: Community and family :: 2023-05-17 Aria, Bonnie, Nikki Support Riley on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

Smell-o-vision makes a return, this time in VR? And the SCOTUS issues its ruling on two cases that could affect Section 230. We go over the rulings and explain what happened. And we discuss the startup Sightful that's announced the Spacetop device, described as an “augmented reality laptop” which uses AR glasses in place of a real screen. Starring Sarah Lane, Rich Stroffolino, Dr. Nicole Ackermans, Roger Chang, Joe To read the show notes in a separate page click here! Support the show on Patreon by becoming a supporter!

The importance of emotional and mental health is often overlooked in the pursuit of success. However, emotional and mental well-being is crucial to being an effective leader. Leaders must pay attention to their emotions and strive to be whole.   On this episode, Alan sits down with author, leadership coach, speaker, and clinical mental health expert Dr. Mark Mayfield. Mark shares about his new book The Path to Wholeness and why our emotional and mental well-being are crucial if we are to live and lead from a health and wholeness. About Dr. Mayfield   Dr. Mark Mayfield is an author, speaker, leadership coach, counselor, and professor. He has extensive experience in executive leadership as former founder and CEO of Mayfield Counseling Centers a 501c3 non-profit in Colorado Springs which serves over 25,000 appointments a year. Dr. Mayfield is an executive leadership coach, helping churches and organizations navigate the complexities of their mental and emotional health. Clinically, Dr. Mayfield is an expert in working with families affected by trauma. He is an Assistant Professor of Clinical Mental Health Counseling at CCU and also partners with the AACC as the Director of Practice and Ministry Development and Editor of Marriage & Family: A Christian Journal. Dr. Mayfield is the author of three books, “HELP! My Teen is Self-Injuring: A Crisis Manual for Parents” which addresses his own suicide survival story, and provides practical tools to help your child who may be struggling, “The Path Out of Loneliness: Finding and Fostering Connection to God, Ourselves and One Another”, and “The Path Toward Wholeness: Managing Emotions, Finding Healing, and Becoming Our Best Selves” which will release in 2023. He has been featured in prominent media outlets including Woman's Day, Hello Giggles, NBC, Reader's Digest, Byrdie, and more. Dr. Mayfield is on a list of mental health professionals that was invited to the White House in December 2019 and has had periodic calls with the White House to discuss mental health in America. Dr. Mayfield is currently working on research in Equine Facilitated Psychotherapy and Veterans, and in Social Justice and the church. Dr. Mayfield lives in Texas with his wife of 15 years and their three children. Follow Dr. Mayfield: on Instagram and Facebook: @thedrmayfield on his website: www.drmayfield.com. Pick up his book

In a world that is littered with false information and blatant lies, especially when it comes to health and nutrition, it is so important to seek the truth.  Matthew Rees is a treasure trove of facts and commentary about food and health at his website, foodandhealthfacts.com. As a longtime journalist, speechwriter, and author, Rees has written for such esteemed publications as The Economist, The New Republic, and The Wall Street Journal. His writing has also appeared in The New York Times, The Washington Post, USA Today, Reader's Digest, and more.  He's also co-authored several books, but his personal passion lies in nutrition. He pulls information and research from recent scientific studies, interviews, books and more, and makes them all easily digestible nuggets of truth on our toxic food culture and how it's contributing to massive rates of disease and death throughout the country. It is his mission to help us better understand how consuming unhealthy foods leads to the mess of chronic health issues we're facing today as a society, but also provide understanding and solutions.  Episode Resources Episode Website Watch the Full Episode on YouTube Visit and bookmark foodandhealthfacts.com PLANTSTRONG Meal Planner - use code: STARTFRESH to receive free two weeks Join our PLANTSTRONG Sedona Retreat - October 9-14, 2023 To stock up on the best-tasting, most convenient, 100% PLANTSTRONG foods, including our cereals, granolas, pizza kits, broths and soups, check out all of our PLANTSTRONG products HERE. Give us a like on the PLANTSTRONG Facebook Page and check out what being PLANSTRONG is all about. We always keep it stocked full of new content and updates, tips for healthy living, delicious recipes, and you can even catch me LIVE on there! We've also got an Instagram! Check us out and share your favorite PLANTSTRONG products and why you love it! Don't forget to tag us using #goplantstrong

AI Regulations Proposed in Congress :: Deep Blue :: Global AI Regulation Proposed :: Qanon :: Cannabis and Jail :: City Bus Smoking :: Microsoft Claims AI Reaching Human Reasoning? :: 2023-05-16 Ian, Aria, Mark Support Riley on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

Looking at a report of stipulation added to Endeavor deal for Vince McMahon

Allison shares her thoughts on Tesla's latest “full self-driving beta 11”. Amazon announced new Echo devices. And we explore all the product announcements from this year's Uber GO-GET event. Starring Tom Merritt, Sarah Lane, Allison Sheridan, Roger Chang, Joe, Amos To read the show notes in a separate page click here! Support the show on Patreon by becoming a supporter!

Sean & Frankie talk the latest WWE news and rumors

Sean & Frankie discuss the latest AEW news and rumors

Which one wrestler do you choose to start a wrestling company with?

Complete Squared Circle Digest talking WWE & AEW

Why won't WWE end the Bloodline angle with Sami and KO

Frankie and Sean discuss 5/10/23 AEW Dynamite

Sean and Frankie debate if AEW made a mistake on the Don Callis turn on Kenny Omega

Frankie & Sean talks MJF

Christianity Under Attack on FTL? :: Bible Interpretations :: GA Libertarian Convention :: LP Frustrations :: Taiwan :: Submission :: More Florida Tyranny in form of Hate Crime Law :: 2023-05-15 Ian, Aria, Bonnie Support Riley on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

Support HVAC Shop Talk by becoming a… YouTube Member – https://www.youtube.com/channel/UChqTAS8GVF1TM3pFyxvnPxg/join Subscribe Star subscriber – https://www.subscribestar.com/zack-psioda   HVAC Shop Talk is a YouTube channel & podcast that celebrates the guys and girls in the skilled Trades - especially HVAC. #hvac #hvactraining #hvactech #hvactechnician #hvacpodcast   Sponsors Fieldpulse - https://bit.ly/3ApPQQW Beckett Corporation - https://beckettus.com/ Yellow Jacket - https://yellowjacket.com/ NAVAC - https://navacglobal.com/ EWC Controls - ewccontrols.com TruTech Tools (Use my "SHOPTALK" promo code) https://www.trutechtools.com/   Contact me - hvacshoptalk@gmail.com

We take a look at the new accessibility features Apple previewed today including Personal Voice and Assistive Access. Vancouver based “Sanctuary Cognitive Systems Corporate” announced a bipedal robot called “Phoenix”. And Neil Saunders a senior lecturer in maths at the University of Greenwich has written a piece on The Conversation saying people need to stop anthropomorphizing AI and stop treating it like it's human. Starring Tom Merritt, Sarah Lane, Iyaz Akhtar, Roger Chang, Joe, Amos To read the show notes in a separate page click here! Support the show on Patreon by becoming a supporter!

Dr. Keira Barr blends science with soul as a somatic coach, breathwork guide and dual board certified integrative dermatologist empowering women around the world with the tools needed to help them gain the control, clarity and confidence they crave during their midlife experience. As the host of the Skinny Dipping Prescription podcast and creator of Somatic Skin Science, she's redefining skincare as the embodiment of our lived experience through conversations, straight-up truths, and tangible, actionable advice. Her work has been featured in MindBodyGreen, Better Homes and Gardens, Reader's Digest, Glamour, SELF, Oprah Magazine, and more. In this episode, Dr. Barr shares her best tips for a skincare routine that goes way beyond the surface.   Links Dr. Barr's Skincare Quiz Dr. Barr's Website   Timestamps [02:25] The Most Common Issues People Deal With [08:53] What She's Seen While Using This Approach [11:14] Her Favorite Practices to Help People With [18:02] Vitamin D and Sun Exposure [26:50] These May Make Your Skin Worse [38:43] Warning Signs You Should Be Aware Of [41:44] This Is Her Story   DISCLAIMER – The information presented on this podcast should not be construed as medical advice. It is not intended to replace consultation with your physician or healthcare provider. The ideas shared on this podcast are the expressed opinions of the guests and do not always reflect those of Margie Bissinger and Happy Bones, Happy Life Podcast.

Pluto TV co-founder Ilya Pozin announced a new TV startup called Telly where they're giving away 500,000 TVs for free. Each set contains an always-on secondary 9-inch screen beneath its soundbar, which shows a variety of widgets and ads. The Wall Street Journal's Kate King has a story called “Online-Only Startups Adopt a Bold New Strategy: Opening Actual Shops”. Is the future of online retail in its past? Caryn Marjorie has launched a chatbot version of herself where fans can talk to it for $1 a minute. Starring Tom Merritt, Rich Stroffolino, Justin Robert Young, Roger Chang, Joe, Amos To read the show notes in a separate page click here! Support the show on Patreon by becoming a supporter!

Argentinian Libertarian Presidential Candidate :: Liberland :: Gun Control :: Immigration :: Welfare Statists :: War on Drugs :: Influencing Culture to Liberty :: 2023-05-13 Ian, Captain Kickass, Peakless Mountaineer Support Riley on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

Cop faces zero charges :: Lovin' Touchin' Squeezin' your MOTHER! :: Rick calls to talk about the weather :: Major pain teaches us how to wipe with one square of TP :: Sarah confuses multilevel marketing with communism :: Jerome calls and says little of value :: Naturalization vs Immigration :: What is a "National" person? :: America's ‘Atlas Shrugged' Moment :: 2023-05-14 Captain Kickass, Rich E Rich, Nikki Support Riley on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

LBRY vs SEC :: SEC Targets Bitcoin Mining Company :: School Shootings :: Elon Musk Appoints WEF Tool to Twitter CEO :: Subway Choking :: Title 42 Expiration :: DEA's Creation :: STOP CSAM Act Threatens Encryption and Online Free Speech :: 2023-05-12 Ian, Chris W. Support Riley on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

Michael Corbett remembers his early roles on RYAN'S HOPE and SEARCH FOR TOMORROW, his memorable run as Y&R's David Kimble, his current successes and more with Digest's Stephanie Sloane and Mara Levinsky. We also remember the late Jacklyn Zeman (ex-Bobbie, GH et al).See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Crypto Proof of Work and Stake :: Horses and Responsibility for Kids :: Bitcoin Fees :: Gun Restrictions and Psychologists :: E-Verify :: Deer Train Trails :: Drag Queen Story Hour at Porcfest :: Occupy the Land :: 2023-05-11 Ian, Jay, Ernie

Today's episode features an interview with real estate investor, Al Curiel, who specializes in performing notes. The interview covers Al's background in real estate, his decision to focus on notes, and how he scales his note investing business.  -------------------------------------------------------------- Al's Real Estate Journey [00:01:03] Investing in Notes [00:03:33] Avatar and Mentorship Program [00:05:38] Building a Virtual Assistant System [00:08:29] Scaling with Trial and Error [00:10:08] Getting Meaningful Deal Flow in the Note Space [00:13:37] Buying Non-Performing Notes [00:16:58] Pricing Changes in Non-Performing Notes [00:19:17] Rehabbing Strategies for Non-Performing Notes [00:21:40] -------------------------------------------------------------- Connect with Al: Web: www.AssociatesinRealEstateHoldings.com Email: info@associatesandrealestateholdings.com   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Al Curiel (00:00:00) - I don't want to be a process junkie, right? I, I do what I do best, which is raising capital, talking to customers, shaking hands, and kissing babies sort of thing. Um, the, the, the, the other stuff, the day-to-day grind, I lead to someone that is going to be managed by a supervisor that is going to give me results at the end of the day, at the end of the week, at the end of the month. And we compare those in a gigantic spreadsheet as to what our production goals are for that specific quarter.   Intro (00:00:28) - Welcome to the How to Scale commercial real Estate Show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:42) - Al Curiel is a real estate investor that focuses on performing notes, and he also has a mentorship program that focuses on investing in real estate using the power of meditation. Al, welcome to the show.   Al Curiel (00:00:53) - Thank you, Sam. Good to be here.   Sam Wilson (00:00:54) - Absolutely. Al the pleasures mine. There are three questions I ask every guest who comes in the show in 90 seconds or less. Can you tell me where did you start? Where are you now, and how did you get there?   Al Curiel (00:01:03) - Started back in 19 90, 83 when I was, uh, 22 years old. Started with my first, uh, building, uh, it was a rental building, and, uh, I learned quickly that, uh, you need a whole lot more than just money to, uh, to succeed. And, um, my brother and I started the business. We, uh, survived through some of the corrections and, uh, eventually became wholesalers fixed and flippers, renters and all that stuff. And then finally in 2008, as a result of the waterfall from the 2008 debacle of the, uh, subprime market, we started focusing on performing and unperforming notes.   Sam Wilson (00:01:45) - Wow. So you've been in real estate. Gosh, you're going on four decades at this point. That's   Al Curiel (00:01:50) - Exactly right. I hate to admit it, Sam, but that's exactly right. .   Sam Wilson (00:01:53) - Hey, luck to you. Some people, some people don't make it that long, so, you know, there, there, there is that bright side to it. Um, but you've seen a lot. I mean, you've seen the savings in loan crisis. You've seen the.com bust. You've seen the oh eight crisis and now on, on the verge of who knows what right now, uh, just we see banks starting to collapse and things like that. So, I, I, I don't wanna dig in too far really into each of those sections. We just don't have time on the podcast. I'd love to hear kind of all the different things that you've done in that, but tell me why you do what you do now. I know we talked about this a little bit off air, and you kind of gave me some insight into the mess versus message or mess being your message sort of thing. So if you don't mind, give us some insight on that.   Al Curiel (00:02:36) - Not at all. I'll try to be as brief as, as I can, given the, the time constraints that we have, Sam. But basically what happened was I, being in, in so many markets and seeing so many adjustments, I couldn't tell, I didn't have a, a, a, a crystal ball to predict the future. But I certainly had a rear view mirror to see where he had been with, as you mentioned, the, the, the, the dark, uh, Monday of October 29th, 1989, that what happened in, with the doc, with the, uh, Y2K anticipation, with the savings and loans collapsing and, uh, now the 2008, nine and 10 issues with, with subprime markets, that made me realize that I was not gonna have time to recover from what I had seen in the past. So I decided to research for something else. And that's when I discovered that, uh, uh, the passive income that you realized from investing in performing and unperforming notes is where it's at.   Al Curiel (00:03:33) - Um, and that was a result of, of, again, what happened in 2008. Um, so they had, they had, they had the fallout of that mess still happening. Now you have Covid that happened in 2020. So we had a revival of that. You had the waterfall of 2008 that was still not resolved. The world stops, but commerce didn't stop. Commerce continued to work. So you had the supply supply chain issue. You had the perfect storm of covid and then the fallout of 2008. So what was gonna happen to all that inventory of, of properties? And the answer was in the banks inventory that were not being sold. So we did some research. My brother decided, you know, he's had a family, so he says he couldn't, he couldn't withstand the rigors of, and the stress of, of not having inventory to flip. So I, I did it along and, and, uh, I discovered that investing in notes was a lot easier than investing in, in fixed and flipping, because you can make money with a pen instead of swinging a hammer. Right. And that's what bedwin focus in for the last, uh, well now 10 years now.   Sam Wilson (00:04:40) - Wow. That's really, really cool. And are you buying just performing or performing and non-performing nodes?   Al Curiel (00:04:46) - We, yeah, we, we, we purchase a performing notes for our P portfolio. We pur we purchase those for our retirement. Hmm. Um, through your, through our, our Roth IRAs and the nonperforming notes, we rehab, we rehab them. Just like you can rehab a house, you can rehab a loan, right? Um, you can, you have three, three different ways of, of rehabbing, quote unquote a loan. And, uh, those we sell to our customers by way of partials. So let's just say, Sam, for instance, you have a, I bought, I buy a 30, 30 year loan from, let's just say Bank of America. Bank of America, send me a loan that is not performing. I buy it at a discount. I fixed it a little bit, and then I flip it to Sam. So outta that 30 year loan, I sell Sam 10 years. At the end of the 11th, uh, month, the 11th year, the, the note comes back to me.   Al Curiel (00:05:38) - So why do I do that? Two things. I share the risk with my customer and, uh, the customer gets the truly passive income that he wants for a certain period of time while he tries it out. If he likes it, he'll continue on with it. If he doesn't, we part company friends and everything is cool. So that's our mantra, that's our model. Um, my avatar, our personal avatar is as I, I told you before, the, the start of the show, uh, is somebody in, at or near retirement age that has three concerns. His health not of living his income and, uh, establishing a legacy for his descendants and his descendants. So that, that was my, that was my issue. So I figured that this is something that most people in my age group would, would probably want to hear about. And that's what we created the mentorship program.   Sam Wilson (00:06:27) - Yeah, I mean, cuz I, I can only imagine, you know, I think you shared, I don't know if you said your, your age here on the show, or you told me that beforehand, but either way, you know, you know who your avatar is and you know what their concerns are mm-hmm.  and I would imagine mm-hmm. , the, the, the note space is something that, like you said, you can, you can make money with a pen, not with a hammer. And the person in your, your avatar. That's, that's   Al Curiel (00:06:52) - I'm 62, Sam, I'm full disclosure. I'm 62. I'm not afraid to say it.   Sam Wilson (00:06:55) - You're not afraid to say it. Great. I didn't, I didn't wanna I didn't wanna, you know, air your dirty laundry. No, I'm joking. It's not dirty laundry , uh, here on the show. But I think that's a really powerful thing cuz you, you've defined who your avatar is and what it is that they need. And I think so many people haven't, especially as we are raising capital as we are doing deals, don't necessarily know who our investor base is necessarily. They haven't figured out what their areas of concern are, and then they can't appropriately bring a product necessarily to market that that particular person may need. Tell me, I I guess from a more, more, um, just just the nuts and bolts of what you do, how, how do you scale the node investing business?   Al Curiel (00:07:37) - We have, um, I, I reali initially it was just a one minute operation, right Sam, and then with the editor of my brother, after we, we decided that our spark company, because we ran out of inventories and we found ourselves empty handed after 89, after 2000, he just couldn't stand it. So he says, we have no inventory. What, what now Einstein? And I said, I says, I got a family, I gotta, I got offend him. He says, okay, God bless you. Go. So I had to be a one man operation, and as I started investing in it, it was, it was just me. But as I started to get more properties and I started raising more money and I started getting more investors, then I had to seek the services of virtual, uh, assistance. So now for that, I have specific, I have, I have, I have several, um, assistant firms that, that help me with different tasks.   Al Curiel (00:08:29) - I have an acquisitions manager, I have a sales manager, I have a due diligence manager, and then I have a sales manager. Those sales, and these are people that are in the Philippines and do some of my calling. Um, I have people in India that do some of my systems and social media management. And then I have people in Jamaica that do the actual negotiations, and the sales manager is there so that I hold everyone accountable. We have meetings every Tuesday afternoon. We, uh, we find where we were last year, how many leads came in, where we're at right now, how we are in raising money and where we go next month. So we have to keep everything in a journal. And I write, I mean, I dunno if you can see, but I got back here. I got journals that go back about 35 years of everything that I do every single day of my existence. I journal every day. I meditate every day, and I draft a plan of action for how my day is gonna shape out and how it ended up looking at the end of the day. So that's keep, that keeps me focused and allows me that flexibility and the latitude to pivot if I make changes to my scaling business.   Sam Wilson (00:09:36) - Wow, that's really, really cool. I, I, I would the, the building the system with that many, uh, or building your systems around virtual assistance, I think that's one, you know, you hear a VAs handling, you know, certain repetitive tasks, data mining mm-hmm. , you know, whatever it is. But scaling it the way you have done it, it's, it sounds pretty powerful. I mean, what are, what are some of the, what are some of the tips or maybe challenges that you faced when scaling with VAs and how did you overcome those? Because I think   Al Curiel (00:10:08) - It was, it was, it was a, it was a trial and error, uh, uh, enterprise, um, uh, Sam because you, I initially started with one individual and I thought this person was going to be the be all and all. And, and it's trial and error, Sam, because sometimes they don't work out. Sometimes they do. And so what I try to do is I try to keep them motivated and have three of everything. If I have, if I have a, a solid, lemme just give it, for instance, without getting too deep in the weeds and, and bore you to death. But basically, let's just say for my due diligence, I have someone that is, uh, I got hired somebody that is really good. And then, uh, through this other website that I, that I go for Upwork or, uh, assistant.com or something like that. I get a mediocre one and then one that is, it is okay, but it's a workforce by works when he or she wants, which is not really effective.   Al Curiel (00:11:02) - So I have three of those so that I'm constantly hiring. So if the, if the bad one falls off, then I have another bank of, of of VAs that I can pick from that is going to replace the not so good one with a mediocre one. Well then if the mediocre one in the middle falls off, then I have a, a, uh, the really good one to, to replace them. And I just keep con I continue to mix an experiment with their motivation with, with what, what Dr. Their why. You gotta find out your why. And then I let 'em, and then I let 'em go with, uh, with, with what they do, always keeping them on task and always having meetings to, to hold them accountable. It was really difficult, but we had the system down really good so that I know who I can call on what task on any given day. And when you motivate 'em like that, when you keep 'em on a, on a, I don't wanna say short leash, but it is a short leash, then you know what the ex they manage your expectations and you manage theirs.   Sam Wilson (00:12:01) - Right? No, I think that's super powerful. And that's, uh, I like the, the the doing things in in in duplicate or duplicate there where if some something isn't working out, you're not dead in the water because you've put all your eggs in one basket and, and they move, you know,   Al Curiel (00:12:17) - It, it, it, it is huge when you, you know, when you realize, I mean, and I'm paying these, these folks, uh, you know, nominal amounts by, by by us compare standards. But still, nevertheless, I need the activity. I need to continue to be out there. I I don't want to be a process junkie, right? I, I do what I do best, which is raising capital, talking to customers, shaking hands and kissing babies sort of thing. Um, the, the, the, the other stuff, the day-to-day grind, I lead to someone that is going to be managed by a supervisor that is going to give me results at the end of the day, at the end of the week, at the end of the month. And we compare those in a gigantic spreadsheet as to what our production goals are for that specific quarter. And we match those. And if we need to tweak it, we tweak it.   Sam Wilson (00:13:03) - That's really, really powerful. I love, I love the thought process behind that. And also just the idea that it's trial and error. I think. So oftentimes thank you. We get right the first time where it's like, okay, we're gonna do this and this is the way we're gonna do it. Whereas it's, it's probably more of an iterative process than we want, uh, want to admit. Let's, it   Al Curiel (00:13:20) - Usually is   Sam Wilson (00:13:20) - . Let's talk a little bit about deal flow. I mean, how, how do you, uh, when it comes to the scaling side of things, how do you get meaningful deal flow in the note space? Like, who sells 'em, who buys 'em? How do you get in front of sellers? It seems like an obscure market.   Al Curiel (00:13:37) - Yeah, it is a rather obscure market. Not many people know about it. It's a specialized niche that again, was, was found through trial and error and, and just investigating. And I'm one stubborn son of a gun. I, you know, the more you tell me you can't do something, then the more I'm gonna try and, and, and prove you wrong. So that's, that's part of my stuff. That's my makeup, that's my father's teachings. And, and, and us and, and what have you. He was an entrepreneur himself, so I don't give up easily. And so I decided to look as to, into what was the problem, getting inventory of houses to rehab in 2008 and through again, research and research. And I found out that banks and hedge funds have a specific asset managers that are tasked with getting rid of, of pro inventory, of notes that they don't want, that are not working, that are not performing, or that are performing.   Al Curiel (00:14:32) - And the bank and the hedge fund needs capital to redeploy to be able to lend for cars, uh, personal items, appliances, whatever, what have you. So I decided, let's just say for instance, one day I decided to call the Bank of America, of the world the asset manager or the Wells Fargo, uh, person of the world or at digital capital hedge fund on any given day. And say, Mr. Asset Manager, this is Al Curiel from the name of my firm, blah, blah, blah. Do you have any, uh, assets that you wish to get rid of this quarter? And initially, Sam, I'm not gonna, I'm not gonna sugar code. It, it was, it was a lot of rejection. They didn't know me from Adam, but I stayed consistent. I decided when it was a good time to call, I ne I decided, hmm, let, let's be smart here about this curio, I don't call on Monday.   Al Curiel (00:15:17) - I didn't call on Tuesday, I didn't call on Wednesday. I started to call them when the week was kind of dying down Thursday and Friday at two o'clock, they're more likely to pick up the phone. So I started establishing more dialogue. So after a, you established report, more dialogue, then one day, one day, Sam boom, I got an inventory of 20 non-performing loans. And lucky for me, I was able, I had capital that I had raced before that I was able to buy in bulk. So now I have a set of 20, 20 a list, or what they call a tape, I don't know what they call it, a tape. It's a spreadsheet of 20 loans. And they said, all right, pick whatever you want here and uh, if you want to buy 'em all, we'll give you a greater discount then buying on a per piece basis.   Al Curiel (00:16:03) - I, we'll sell you the case and you can sell 'em off by the bottom. I said, okay. So I, I had enough, I had enough of a discount built into it because we're still talking 2008 when you can get a hundred thousand dollars loan for $13,000. I was able to do that. I bought all 20 of 'em. I established a rapport with that company. All I need is five. All I need is five for the number of investors that I have. So I established rapport with another one and another one and another one. And that's how the scaling came about. I'm, I'm, I'm giving you the Reader's Digest version of it. It's this lot more that goes into it, Sam, but for our purposes, that's basically how it happened.   Sam Wilson (00:16:41) - That's, that's really, really fascinating cuz that, that was gonna be one of my questions was when you're dealing with Wells Fargo, bank of America, I mean they, I can't imagine that they'd wanna sell one at a time loans off. That's, that just seems just not, it's not the way they're gonna do business.   Al Curiel (00:16:58) - Correct. They don't, um, and they give you, when, when those asset managers, those asset managers are people like you and me, they get up in the morning, they have families they have to feed, and they have quotas to get rid of loans that they need to get rid of. And if they don't, there's hell to be paid, right? So, uh, it, it behooves them to work with as many investors and to show how these investor, how serious these fit investors are. So if they offer me a bulk of a, a a lot of twin 25, whatever, maybe commercial loans, I have to have enough backing meaning capital so that I can build my credibility, continue to keep that credibility so that, uh, the inventory keeps coming. So that's why on the, you have to anticipate, you have to plan how much money you're gonna raise before you approach these people.   Al Curiel (00:17:46) - And, and I'm just using the example of, of Bank of America, regional banks are very good for that. Regional banks sell assets that, that sweet, that sweet spot for us is anything between 25 and $120,000. Hmm. Right. That's our sweet spot. That, and you find those mostly in the Rust Bell states. Right? All right. It's hard for investors in New York and in California to re to get their minds wrapped around the low ban assets in those states. And I'm talking about Michigan, I'm talking about Indiana, I'm talking about Ohio, maybe some Georgia, maybe some South Carolina, and definitely some Texas. And so I can get an answer again, to give an example, to be very simple about it, a hundred thousand dollars loan that I can now I can, I can pick up for about maybe 40 cents on the dollar.   Sam Wilson (00:18:37) - Wow.   Al Curiel (00:18:38) - So, you know, when I, when I have these people in, in San Francisco, the investors in San Francisco were in mailbox is $150,000 . Right? I mean, they, you can see how there's like, oh, okay, well then I don't have to, I don't have to deal with toilets trash or non paying tenants. Right? I can be the owner, I can take the place of the bank, be the bank, right, and not worry about servicing anything. And I get the monthly income. All I get, all I get is a servicing company that is going to allocate your escrows your taxes and your insurance. And then the difference goes in Pocket National Bank every month.   Sam Wilson (00:19:17) - How th this is really fascinating. And I, and I love, uh, I love personally the, uh, non-performing note strategy. I think that's, that's, it's a great one. It's, it's where there's opportunity, I think still. And I'm, I'm invested as a passive investor, uh, in some other non-performing note funds. Even one I think's spaced outta your hometown there in Chicago. Um, okay. But, but the, how, I guess, how has that pricing changed? I know you mentioned before and you said maybe in 2008, like 10 to 20% maybe was the range that you were buying those on, and now you're saying it's, you can still pick up NPNs in the 40%.   Al Curiel (00:19:54) - 40%. Yeah. And the reason for that is because now, now that it's, now that the catch outta the back, so to speak, it's a sexy thing to invest in. Now most people are now finding out about non-performing notes, right? As you get more demand, the pr obviously the price goes up, right? So that's, uh, that's what happened. But with volume, with volume now you continue to have the discount. So I'm beginning to see those, it, it used to be 65 to 75% for non-performing known. Now they're, they're coming down to like 55, 45, 40, 40, 40 cents on a dollar. That's how I'm able to get 'em. Um, but initially in 2008 they were, because they were virtually unknown by anybody, right? Um, that this discounts were greater. But now with, with time or more invest investors being involved, more mentorship programs out there, more gurus teaching this kind of thing, it's become more of a, of a, of a, of a sexy thing to invest in.   Al Curiel (00:20:50) - And not as readily available as, as it was. But still, you can make very, very healthy, very healthy returns. And the, if I may share with the, with the group, what, what with your group, what, what some of those Strat rehabbing strategies are. Yeah. One is to modify the loan. Yep. Um, if, if you can modify the loan and, and if the person loses his job, person stops paying his mortgage for a variety of reasons, not the least of which is divorce, loss of a job, loss of some kind of loss of income, right? But they, they, they love the house. They, you know, they, you see flowers are on the flower bed and mama don't wanna move, right? She just wants to do whatever they want, whatever they need to do to make it. That's, that's number one thing. So you modify the loan, even though they get a job at a lesser paying thing, you can reduce the mortgage, you can reduce the interest rate, you can modify it, period.   Al Curiel (00:21:40) - The other thing is, if, if they, if they modify the loan and they are still not able to, um, to pay it, then I like to be really tough on the problem and soft on the people, Sam. So I say, why don't we part friends? You know, you've clearly you've been, we've tried this modification of the loan, you can't pay it. Um, I'll tell you what I'll do. I will not report those, those four or five months that you're behind to the credit bureau. I will back up the U-Haul. You put all your stuff in there, you leave the house just as clean as when Bank of America or Wells Fargo sold it to you when you got your loan. And upon inspection, if everything is, is copacetic, I'll drop you a check for a thousand dollars. You gimme the keys, you gimme the deed, and we're we're good. Right? That's,   Sam Wilson (00:22:26) - They avoid a foreclosure on the record that way.   Al Curiel (00:22:29) - It's a deed and lie. Exactly right. Cash for key de and lie. That's what they foreclosure. And there's no deficiencies that I de demand. So we all, we we leave in good. He's, he has a chance to start life, I knew. And the third thing, which is more, the more drastic, uh, uh, measure is, is foreclosure. Um, and that, for that, and that is the reason why I do not buy in judicial states. Judicial states like Illinois. I do not buy in my own backyard because in Illinois, foreclosing on somebody is gonna take me about 298 days. I can't afford that. Cuz I deal with the velocity of money with my investors. They can't sit there waiting for their money to be, to be, to be returned. Right? So I go to non-judicial states like again, Texas, um, uh, Michigan, Indiana, even though it's, it's traditional non-judicial, there's special ways that you can do to, to speed up the process. Georgia and one of the car Carolinas, that's where we focus our investments in. And, uh, so that's, that's how we are able to, to scale how you were to rehab the loans. And, um, if somebody's not paying, I'm taking it all the way to foreclosure, I can wait no more than 120 days.   Sam Wilson (00:23:37) - That's fantastic. Al I'm I, I got about 25 more questions for you. We're at the end of the show. This has been absolutely fascinating. I love your strategy. I love the way you do it. You've shared with us systems, you've shared with us the value of non-performing notes. You've shared with us the ability, a a and kind of the mindset behind finding who your investor avatar is and how you solve their problems. If our listeners wanna get in touch with you or learn more about you, or maybe even the notes that you guys are working on right now, what is the best way to do that?   Al Curiel (00:24:05) - You can contact, uh, our website. You take a look at our website, it's Associates and real estate holdings.com. I know it's a long one, but it's Associates and Real estate holdings.com. Or you can, uh, uh, get a, on our, our list, it's info at associates and real estate holdings.com, we're gonna have our, our our first, uh, three day, uh, event coming up at the end of of May. So if anybody wants to get details, they can find 'em at info.   Sam Wilson (00:24:32) - Fantastic. We'll make sure we include that all there in the show notes. Al thank you again for coming on the show today. I do appreciate it,   Al Curiel (00:24:38) - Sam. Take care.   Sam Wilson (00:24:40) - Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can, do me a favor and subscribe and leave us a review on Apple Podcast, Spotify, Google Podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.  

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Bromances & children :: Heredity and degenerative diseases :: Trump sexual assault suit :: Failures in American science :: Tears of the Kingdom and the insanity of copyright law :: Russian money stolen by the United States :: 2023-05-10 Aria, Nikki, Bonnie. Support me on Patreon: https://www.patreon.com/crblake86 Send Bitcoin: 1MnoYoPirXQHfhknDxbDHhLsF9u7kUggKy Send Bitcoin Cash: qpp62s8uupdqkrfew7vgp805pnsh5jk2ncnfkndwrd Dash: XpApo1jcPzTJyLLB6G8GJ7DoW9CGjcV5xT Ether: 0xFb1a23163bea743BB79B93849D864ad070597855 Lightcoin ltc1q6ygsamrkwl0at93datyqfh47z4crg4jkg4fx30

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