POPULARITY
167 episodes with Downs
132 episodes with Downs
65 episodes with Downs
36 episodes with Downs
86 episodes with Downs
40 episodes with Downs
41 episodes with Downs
21 episodes with Downs
30 episodes with Downs
12 episodes with Downs
11 episodes with Downs
17 episodes with Downs
12 episodes with Downs
12 episodes with Downs
11 episodes with Downs
16 episodes with Downs
8 episodes with Downs
11 episodes with Downs
11 episodes with Downs
20 episodes with Downs
8 episodes with Downs
7 episodes with Downs
16 episodes with Downs
13 episodes with Downs
5 episodes with Downs
8 episodes with Downs
7 episodes with Downs
3 episodes with Downs
7 episodes with Downs
6 episodes with Downs
5 episodes with Downs
5 episodes with Downs
7 episodes with Downs
4 episodes with Downs
15 episodes with Downs
5 episodes with Downs
3 episodes with Downs
5 episodes with Downs
3 episodes with Downs
2 episodes with Downs
6 episodes with Downs
5 episodes with Downs
4 episodes with Downs
6 episodes with Downs
6 episodes with Downs
4 episodes with Downs
2 episodes with Downs
88 episodes with Downs
5 episodes with Downs
2 episodes with Downs
4 episodes with Downs
4 episodes with Downs
4 episodes with Downs
4 episodes with Downs
3 episodes with Downs
2 episodes with Downs
4 episodes with Downs
4 episodes with Downs
3 episodes with Downs
3 episodes with Downs
76 episodes with Downs
5 episodes with Downs
2 episodes with Downs
4 episodes with Downs
4 episodes with Downs
4 episodes with Downs
4 episodes with Downs
4 episodes with Downs
4 episodes with Downs
2 episodes with Downs
2 episodes with Downs
4 episodes with Downs
3 episodes with Downs
2 episodes with Downs
4 episodes with Downs
3 episodes with Downs
2 episodes with Downs
4 episodes with Downs
10 episodes with Downs
4 episodes with Downs
3 episodes with Downs
It's the first week of Advent! Raechel and Amanda kick off the reading plan with good friend, speaker, and New York Times bestselling author, Annie F. Downs. The three discuss the theme of light in Scripture, starting with Jesus's declaration as the Light of the World and trace the metaphors for light through the narrative of the Bible. Join along as they dive deeper into how Christ, the everlasting light, shines in the midst of the darkness that surrounds us. Read with Us: This episode corresponds to Week 1 of the She Reads Truth Advent 2021: The Everlasting Light reading plan found on the She Reads Truth app and SheReadsTruth.com. Shop the Advent 2021: The Everlasting Light at ShopSheReadsTruth.com. Show notes can be found at shereadstruth.com/podcast/advent-week-1-with-annie-f-downs
Our WWE SmackDown review as Simon Miller talks about Sami Zayn becoming number 1 contender to Roman Reigns, Charlotte Flair throwing pie in Toni Storm's face, Naomi and Sasha Banks teaming to take on Natalya and Shayna Baszler and much more...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Our AEW Rampage review was Simon Miller talks about Adam Cole and Bobby Fish vs Orange Cassidy and Wheeler Yuta, Britt Baker vs Riho and Eddie Kingston vs Daniel Garcia...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Monte and Erin look ahead to the Rams visit to Lambeau to take on the Packers on Sunday. They talk officiating, the GB OL vs the LA DL, Stafford's return to Green Bay, and which injured Packers' need to return for a Super Bowl run. --- Support this podcast: https://anchor.fm/game-on-wisconsin/support
Whether it was UNC letting its foot off the gas or NC State putting the pedal to the metal in the final two minutes, the Wolfpack came out with a 34-30 win over the Tar Heels in comeback fashion. Cory and Michael break apart every facet of the Pack's season finale on the Postgame Podcast. Is it possible for Devin Leary to be anymore clutch? How on God's green Earth did Emeka Emezie get so wide open for his first TD? What does this mean win for the Pack's 2021 goals and what comes next?
Grace and the callers discuss the aftermath of talking politics while passing the cranberry sauce. Other topics include Black Friday, Nancy Pelosi's home and more.
“Giving somebody more iron to raise their iron levels can be really problematic and cause a lot of inflammation.” Topics Discussed:
Our AEW Dynamite review as Simon Miller talks about Daniel Bryan knocking out Colt Cabana's tooth, CM Punk and MJF's incredible promo battle, Malakai Black, Andrade El Idolo & FTR vs. Cody Rhodes, PAC & Lucha Bros and much more...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
One person I'm truly, truly thankful for is our FINALE guest on #WildConfidencePodcast, Miss @Anniefdowns. To know AFD is to love her and I can't wait for you to hear the church service she has in store for us today! Annie F. Downs is a New York Times bestselling author, sought-after speaker, and successful podcast host based in Nashville, Tennessee. Engaging and honest, she makes readers and listeners alike feel as if they've been longtime friends. Founder of the That Sounds Fun Network—which includes her aptly named flagship show, That Sounds Fun—and author of multiple bestselling books like 100 Days to Brave and Remember God, Annie shoots straight and doesn't shy away from the tough topics. But she always finds her way back to the truth that God is good and that life is a gift. Annie is a huge fan of laughing with friends, confetti, soccer, and boiled peanuts (preferably from a backroads Georgia gas station). Read more at anniefdowns.com and find her (embarrassingly easily) all over the internet at @anniefdowns.
Life is not a sprint... it's a journey and boy oh boy has US marine veteran TJ Downs had a journey. Take a listen to this journey as the Bo Brothers learn more about Nelson County Kentucky Kentucky native TJ Downs who walks us through his life. You're gonna learn a story of a self imposed rowdy drug infested childhood, a young man who was literally on death's doorstep as a teenager, to a proud US Marine, to a forgotten patriot and then a life saving six month backpack travel through Europe. Oh... let's not forget a stage four cancer diagnosis that was thrown in the mix. TJ Downs tells a story of a guy who was lost and then through life's obstacles some how found the TJ that has inspired so many from his former military brothers and sisters to his colleagues and friends at Log Still Distillery. Sit back, grab a sip of your favorite bourbon and listen to one of Kentucky's finest! #SemperFi #LogStillDistillery #KeepClimbing #LifeIsAJourney #TjIsAnInspiration #FamilyMan #BackPackThroughEurope #IrelandHasGreatPeople
Our Review of WWE Raw as Simon Miller runs down everything from last nights show...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
In today's episode of Trail Cam Radio, we are recapping the success that (almost) everyone in the office had during the 2nd week of November! We cover: -Cam's Ohio Buck -Jase's Indiana Buck -Jake's Iliinois Buck -The Ups and Downs of Hunting The Rut -Indiana Gun Season Opening the 2nd Saturday In November And So Much More! Connect: https://linktr.ee/exodustrailcameras https://linktr.ee/TheLandPodcast
Welcome to Season Two of the Live in Love Podcast! Each week Lauren sits down with friends and family to talk about all the different areas of her life where she gets to live in love. She continues to share hew things with you that you may not know even if you have read her book Live in Love. Co-hosted by Annie F. Downs. If you haven't gotten your copy of Lauren's beautiful book, Live in Love, you can pick one up at your favorite local bookstore or at laurenakins.com. On today's final episode of Season Two, Lauren and Annie talk about what it's like to live in love in story. If you are seeking help, please call the National Suicide Prevention Hotline at 800-273-8255. We need you here. Thanks to our sponsors in this episode: CRU: For only $21 a month, you can provide three people with Bibles each and every month. When you sign up to provide 3 Bibles with a monthly gift of $21, as a thank you, Cru will provide meals to 5 hungry families through their humanitarian aid ministry AND you'll receive a copy of my book, Live in Love. Simply text LIVE to 71326 to help today or visit give.cru.org/Live.
Mike Keith, Amie Wells and Titans Radio's Rhett Bryan cover Four Downs in Tuesday's edition of The OTP, presented by Farm Bureau Health Plans.
Our review of WWE Survivor Series as Simon Miller tries to make sense of the EGG...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Simon Miller is back with a blast from ECW's past!ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
In this episode, Charles (@charlesrockhill) and Christopher (@chrisopotamia) discuss Deep Blue Sea (1999), Freed Britney, shitting yourself, and appropriate undergarments for an underwater science lab. Follow us: Socials & Email dirtylittlehorrorpodcast@gmail.com Please leave a rating/review if you have a moment. It's a free way to help the show grow! Dirty Little Horror is an LGBT Horror podcast where we try to find the gay subtext and make spooky dick jokes! Opening instrumental: Karl Casey @ White Bat Audio
Our AEW Rampage review as Simon Miller talks about Adam Cole and Bobby Fish vs Jungle Boy and Luchasaurus, Darby Allin vs Billy Gunn, Red Velvet vs Jade Cargill and much more. See acast.com/privacy for privacy and opt-out information.
Monte and Erin return from their bye week to get ready for Vikings week! They talk match-ups, Bakhtiari's injury timeline, the offensive struggles, and who they're voting for in the Pro-Bowl! --- Support this podcast: https://anchor.fm/game-on-wisconsin/support
Our WWE SmackDown review as Simon Miller talks about Big E and Xavier Woods attacking Roman Reigns and The Bloodline, Sasha Banks vs Shotzi Blackheart, Cesaro vs Sheamus vs Ricochet vs Jinder Mahal and much more. See acast.com/privacy for privacy and opt-out information.
Today the boys explore the character of Jonathan Turner, the early ups and the later Downs. To tell my favorite Turner moments and what they wish would have happened with him. Also they come to an amazing and must be true revelation! Thank you to Dizzy Parker for our theme song! Find the full version here with links to find Dizzy on the web! https://youtu.be/NBvl0f_v2v0
Our AEW Dynamite review as Simon Miller talks about Bryan Danielson confronting Hangman Adam Page, MJF calling out CM Punk, Tomohiro Ishii's AEW debut, Sammy Guevara vs Jay Lethal and much more...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Host Erin Darling Torralva is back after a long podcast hiatus to talk about recent life updates including a really difficult decision, in her most vulnerable episode yet. Get your tissues ready. TOPICS INCLUDE: Lessons learned in a break up Tough decisions Taking time for yourself Solo trips Feminist plays given to you by questionable people The cult of immediacy Love, acceptance, and gratitude And of course, advice for anyone surviving a break up...
Greetings and welcome to the Riddim Megamix. Since you last heard from us we've got brand new music, direct to the inbox from Tarrus Riley, Alborosie inna dubwise fashion, Koffee, and Medisun. This episode we feature a hat trick from the Heavyweight Rockaz, Hector Roots Lewis drops ‘Ups and Downs', and much more. Check Out The Website Caribbeandanceradio.com & WorldAReggae.comLike And Follow On Facebook, Twitter, And Instagram linktr.ee/thedjphgLawGiver the Kingson - Vibe (Big Sound)Tarrus Riley - Love SaluteTarrus Riley - Be GreatQueen Ifrica - Bleed OutLuciano - Cover MeNature Ellis - Let Them TalkFreddie Mcgregor - Holly Mount ZionGinjah - ChillinTorch - Mr. Hard EarsNature Ellis - TraditionMediSun - Mek It RockSteve Machete - KonkarahVysionaer - Hard And DreadOnton - BlazeRichie Spice - Di Dub DanceAlborosie - Ginal Dub (feat. Collie Buddz)Heavyweight Rockaz - Notis Soun (feat. Vanessa Bongo)Heavyweight Rockaz - MarijaneHeavyweight Rockaz - Trigger BoyMicah Shemaiah - Roots Rock SoundPressure - Likes Of JahRunkus - GeneralJo Mersa Marley - That DreamHector Roots Lewis - Ups And DownsKoffee - West IndiesAza Lineage - I Give Thanks
Our Review of WWE Raw as Simon Miller runs down everything from last nights show...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Welcome to Season Two of the Live in Love Podcast! Each week Lauren sits down with friends and family to talk about all the different areas of her life where she gets to live in love. She continues to share hew things with you that you may not know even if you have read her book Live in Love. Co-hosted by Annie F. Downs. If you haven't gotten your copy of Lauren's beautiful book, Live in Love, you can pick one up at your favorite local bookstore or at laurenakins.com. On today's episode, Lauren sits down with her friend and nutritionist, Lee to talk about what it's like to live in love in health. Thanks to our sponsors in this episode: CRU: For only $21 a month, you can provide three people with Bibles each and every month. When you sign up to provide 3 Bibles with a monthly gift of $21, as a thank you, Cru will provide meals to 5 hungry families through their humanitarian aid ministry AND you'll receive a copy of my book, Live in Love. Simply text LIVE to 71326 to help today or visit give.cru.org/Live. Hello Fresh: Now you too can enjoy more time with the family and less time planning. Just go to hellofresh.com/liveinlove14 and use the promo code LIVEINLOVE14 for 14 free meals including free shipping!
Mike Keith, Amie Wells and Titans Radio's Rhett Bryan cover Four Downs in Tuesday's edition of The OTP, presented by Farm Bureau Health Plans.
Welcome to Over The Influence, Series 3! We're Sharon, Freddie and Ben, three normal people who decided to give up alcohol to see how our lives would change. We're not medical experts but we are expert ex-drinkers, and our podcast brings people together who are on their own alcohol-free journeys by celebrating just how wonderful life without booze can be! In this episode we chat to one of our fabulous OTI Community members, Jenny Downs! Jenny gave up alcohol when she was in her early 50s - she has four children, and wanted to be a more present Mum for them. In this episode she talks about how dangerous she thinks it can be for kids to see alcohol being "normalised" by their parents, and how her desire to be a good role model for them helped her to give up alcohol completely. Jenny joined the OTI Community when she was nearly 18 months in to her AF journey, and we talk about how being alcohol-free is something you need to continually work on - it isn't something where you tick the box and it's done, being surrounded by like-minded people can be so important when it comes to staying on track with your sobriety. Jenny also talks about the group she's in called Alcohol Free Essex, who are doing fabulous things down south to connect people who have decided to give up alcohol in the infamous party county! If you're from that part of the world and want to find out more, search for "Alcohol Free Essex" on Facebook. We now have a live studio (Zoom) audience watching the podcast as it's being recorded. If you'd like to watch future episodes of the podcast being recorded, you can find out more about this and all of the other benefits of joining our online AF community at overtheinfluence.co.uk Of course, you can always get in touch with us (publicly or privately) on our socials - @alcoholfreepod on Instagram and Twitter, or search for "Over The Influence" on Facebook. We'd love to hear your story - please get in touch with us at otihq@overtheinfluence.co.uk and of course if you'd like to join our fabulous alcohol free community of likeminded people, visit our website to find out about the connection and resources we offer - www.overtheinfluence.co.uk. #alcoholfree #stopdrinking #healthandwellnessjourney #zeroalcohol #idontdrink #sobercurious #healthydrinking #alcoholfreelife #soberaf #alcoholfreeliving --- Over The Influence is produced by Ben Anderson for Sound Rebel. Do you want to present a podcast? Sound Rebel works with businesses, brands, charities & other organisations across the UK. If you own a business, work in a marketing department, or know someone who does - go to soundrebel.co.uk now to find out how podcasts could help you to tell your story.
The Locked On Cougars Podcast for Monday, November 15, 2021 Monday's show began with an old topic re-visited because with the college football carousel begins spinning faster, Kalani Sitake's name is emerging more and more as a candidate for head coaching vacancies all over the West and Jake Hatch explains why he thinks that BYU needs to show Kalani the love and loyalty to ensure he remains in Provo Attention then shifted to the hardwoods as the BYU men's basketball program gutted out a 66-60 victory over San Diego State Friday and Jake Hatch came away impressed with the Cougar Cagers because their offense is still not clicking, but they got a potential Quad 1 win anyways. He thinks it's a nice test heading into the Oregon showdown Finally, the show wrapped up with the weekend recap of the other BYU sports in action, including solid showings for the cross-country programs on their home turf, women's soccer running roughshod at South Field, women's volleyball making it 18-straight, and women's basketball getting defensive in a big win over Fresno State Support Us By Supporting Our Locked On Podcast Network Sponsors! Built Bar - Built Bar is a protein bar that tastes like a candy bar. Go to BuiltBar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order. BetOnline.AG - There is only one place that has you covered and one place we trust to place our wagers. That's BetOnline! Sign up today for a free account at betonline.ag and use the promo code "LOCKEDON" for your 50% welcome bonus. PrizePicks - Don't hesitate, check out PrizePicks.com and use promo code: “LOCKEDON” or go to your app store and download the app today. PrizePicks is daily fantasy made easy! NetSuite - Over twenty-seven thousand businesses already use NetSuite and RIGHT NOW through the end of the year NetSuite is offering a one-of-a-kind financing program to those ready to upgrade at NetSuite.com/LOCKEDONNCAA Follow the Locked On Cougars podcast on Facebook, Instagram and Twitter to stay up-to-date with the latest with regards to the podcast and BYU sports news. Please remember to subscribe, rate and review the show. Also, please consider subscribing to the Yawk Talk Newsletter that Jake writes and is delivered directly to your email inbox. If you are interested in advertising with Locked On Cougars or the Locked On Podcast Network, please email us at LockedOnBYU@gmail.com or contact us here. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Black N' Gold Hockey Podcast is powered by BetOnline.AG With sports back, you can rely on BetOnline for all your sports and virtual Casio needs. Please support our podcast by signing up for a free account at BetOnline.AG and use code: CLNS50 for a 50% welcome bonus to your bankroll after your first deposit. A MINIMUM deposit of $55.00 is required to qualify for the bonus. Please see BetOnline's general rules for additional terms and conditions regarding bonuses. Below are the show topics that hosts Heather Ingerson and Mark Allred talked about in episode 252! This week Black N' Gold Hockey Podcast hosts Heather Ingerson and Mark Allred are back for more Boston Bruins hockey talk. Follow us on Twitter at: Mark Allred @BlackAndGold277 Heather Ingerson @ingathebigmouth Podcast Account @BlackNGoldPod Instagram Account @Blackngoldhockey You can financially support our show by donating $1 and have exclusive access to our new Patreon Rewards Program, where we draw a winner during every episode moving forward. Rewards will be official BNG Hockey Podcast gear and items from Fanatics.com Go to patreon.com/blackngoldhockeypodcast for another way to cut the operating costs. Have a question or a comment for the hosts? Please send us an email at blackngoldproductionsllc@gmail.com Thanks for tuning in and all the support! We'll be back next week for another show of Bruins Hockey related material. Take Care and GO, Bruins!!
Download the Top 10 Mucus-free Foods List & Menu-Planning Guide FREE: http://bit.ly/5-free-recipes-to-detox-mucus | In this episode of the Mucus-free Life Podcast, Prof. Spira interviews Israel Frutal, a practitioner of the Mucusless Diet Healing System from Monterrey, Mexico. Frutal discusses his health journey with the Mucus-free Lifestyle, including the ups and downs of his “transition diet.” You will learn what it takes to move through the real-life challenges of the transition, and see what the transition can look like. Israel is the co-founder of Ixteriolo's, a family-owned vegan pizzeria, which is one of the first vegan restaurants in Mexico. He is an exceptional artist and chef, with almost a decade of experience preparing plant-based meals. He is also an avid cyclist and advocate for fitness. Frutal is the translator of the Spanish-language “Mucusless Diet Healing System: Annotated, Revised, and Edited by Prof. Spira”. Follow/Contact Israel Frutal through his IG @israelfrutal : https://www.instagram.com/israelfrutal/ *** Save 72% on NordVPN and help out the Mucus-free Life Podcast: https://www.mucusfreelife.com/nordvpn Transform your health with the Mucusless Diet today!: http://bit.ly/ultimate-mucus-free-book-bundle-1 Enroll in the NEW Mucusless Diet Healing System eCourse: http://bit.ly/MDHS-eCourse-Enrollment Get Mucus-free Books on Amazon: http://bit.ly/prof-spira-amazon-author *** The Mucusless Diet Healing System is a complete course for every person who desires to learn how to control their health. The diet is a combination of individually advised long and short-term fasts, menus that progressively change to non-Mucus-Forming Foods, and periodic colon irrigation. For More Information visit: http://bit.ly/ultimate-mucus-free-book-bundle-1 Readers of the Mucus-free Life catalog of books will learn what the "Mucusless Diet Healing System" is, what foods are pus and mucus-forming, how to get rid of that annoying stuffy nose, and much more. You will find out why the transition diet is one of the most misunderstood aspects of a Mucus-free Lifestyle, why intermittent fasting and alkaline foods are important for health, and what transitional meals are best when someone craves their favorite mucus-forming foods. *** General Disclaimer: The content found in this video and associated websites are based upon the opinions and research of Prof. Spira and his guests, and is strictly for informational and educational purposes only. The content is not intended to replace a one-on-one relationship with a licensed healthcare professional or licensed dietitian, and is not intended as medical advice. Prof. Spira is not a medical practitioner or licensed dietitian and does not hold academic degrees in fields related to medicine, nutrition, or healthcare. You are encouraged to consult with the appropriate professionals before beginning any exercise, weight loss, or dietary program. This video and accompanying text is a sharing of personal experiences, opinions, and information about practicing a mucusless or mucus-free diet based on the works of Prof. Arnold Ehret. https://www.mucusfreelife.com
Our WWE SmackDown review as Simon Miller talks about Roman Reigns vs Xavier Woods, Jeff Hardy vs Sami Zayn, Jinder Mahal rapping, Sasha Banks, Naomi & Aliyah vs Shayna Baszler, Natalya & Shotzi and more...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Our AEW Dynamite review as Simon Miller talks about the Kenny Omega and Hangman Page Full Gear contract signing, Pac vs Dax Harwood, Bobby Fish attacking Jungle Boy, Bryan Danielson vs Rocky Romero and much more...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Introduction: The Wild had a chance to make an early-season statement against Vegas, the team that knocked Minnesota out of the playoffs a year ago. Instead, the Wild fell behind and couldn't complete a furious rally, losing 3-2 and going 0-for-6 on the power play in the road loss. Beat writer Sarah McLellan checks in with a "voicemail" from Las Vegas to help break it down. 4:00: Host Michael Rand isn't buying Karl-Anthony Towns' frustration with losing and thinks KAT has to own it instead of suggesting that it is merely happening to him. 6:00: Iowa-based radio host and writer Andrew Downs joins the show to help set up Saturday's big game between the Gophers and Hawkeyes down in Iowa. Both teams have had setbacks lately, but both are still tied for the Big Ten West lead. Plenty is at stake, and Downs will help set it all up from an Iowa perspective. 20:00: NFL/Vikings writer Mark Craig joins the show for the weekly picks segment, and perhaps against his better judgment he likes the Vikings to win on Sunday against the Chargers. 36:00: Olympic gymnast Suni Lee of St. Paul says she was the victim of a racist attack.
In this episode, Ryan chats with Bryan Clayton, CEO, and co-founder of GreenPal, an online marketplace that connects homeowners with local lawn care professionals. GreenPal has been called the “Uber for lawn care” by Entrepreneur magazine and has over 200,000 active users completing thousands of transactions per day and doing 20m a year in sales. Before starting GreenPal, Bryan founded Peachtree Inc. one of the largest landscaping companies in the state of Tennessee growing it to over $10 million a year in annual revenue before it was acquired by Lusa holdings in 2013. You'll learn the ups and downs in Bryan's journey and how he overcame them to grow his lawn care empire.
Idag berättar vi om att bara sju av 1700 hemsidor hos myndigheter fungerar inte alls som lagen säger. Det har företaget FUNKA kollat. Sen får ni höra att partiledaren Magdalena Andersson fått uppdraget att försöka bilda regering i Sverige. Vi berättar också om en tjej med Downs syndrom som nu får ställa ut på ett stort museum.
Hector Lewis is the lead percussion player in Chronixx' Zinc Fence Redemption Band. He has toured the world and has played integral roles in the development of reggae music with other artists and through his lead role in Chronixx's live show. His mother, Reggae songbird Barbara Jones, continues to have a major influence on his approach to music and the performing arts. In this exclusive interview he speaks about his time on the road, making music with Chronixx and now branching out as a lead artist himself with his new single Ups and Downs. --- Send in a voice message: https://anchor.fm/worldmusicviews/message Support this podcast: https://anchor.fm/worldmusicviews/support
Hello Horrors! Due to some illness, we decided to drop one of our old Patreon exclusive episodes that you would normally get every month for signing up at our $10 tier of Triple Threat. We all knew they'd see the light of day eventually! Please enjoy but know that these episodes are done as "live" with little to no editing. Let us know your favorite parts! Thanks for listening and TRY NOT TO DIE!! Follow us to give us some feedback and listen to episodes once we figure this sh*t out. Socials & Email Please leave a review if you have a moment. Dirty Little Horror is an LGBT Horror podcast where we try to find the gay subtext and make spooky dick jokes!
NC State had to battle through some serious adversity early on -- both through a critical injury and poor shooting -- but responded with an 88-70 win over Bucknell. Cory and Miles break down the Wolfpack's season-opening win on the Postgame Podcast. What is the latest on Manny Bates and how big is the impact if he's out moving forward? Just how significant was Terquavion Smith's freshman debut? How did Jericole Hellems and Dereon Seabron step up down the stretch to solidify the win?
Chad Carson is an Entrepreneur, Writer, and Teacher, who Co Owns over 100 Units of Rental Property and Private Lending In and Around the College Town of Clemson, South Carolina. He wrote an Amazon Bestselling book “Retire Early With Real Estate”, and his story has been featured on Forbes, Yahoo Finance and more. Chad, His Wife, and Two Kids Recently Returned from 17 months Living Abroad in Cuenca, Ecuador. Each Week Chad Shares Tips, Strategies and Stories on His Popular Blog Podcast on Youtube Chanel CoachCarson.com In this episode we talked about: • Chad's Bio & Background • Flipping Houses • Ups and Downs of Students Rental Space • De-Risking Real Estate Deals • Valuation Metrics of Single-Family Rentals VS Student Rentals • Raising Capital in College Towns • Chad's Plan for Tomorrow • House Hacking • The process of Writing the“Retire Early With Real Estate” Book • Chad's Thoughts and Views on Interest Rates and Inflation • Unlevered Yield • Coaching and Blogging on Youtube Channel • Mentorship, Resources and Lessons Learned Useful links: https://www.coachcarson.com https://www.instagram.com/coachcarson1/ Transcriptions: Jesse (0s): Welcome to the working capital real estate podcast. My name is Jesper galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. All right, ladies and gentlemen, my name is Jesper gala and you're listening to working capital the real estate podcast. My guest today is Chad Carson, AKA coach Carson. Chad Carson is the author of the bigger pockets book retire early with real estate. And he is an entrepreneur writer and teach and teacher who cones over a hundred units of rental property in Clemson, South Carolina, Chad used real estate investing to reach financial independence before the age of 37. When he, his wife and two kids decided to spend 17 months living in Ecuador in south America each week. Chad shares tips, strategies and stories on his popular blog podcast and YouTube channel coach Carson, coach Carson. How's it going? It's great, Chad (1m 2s): Jesse. Good to see you. Good to see you again. And we were on a panel not too long ago, so nice to connect. Jesse (1m 7s): Yeah, absolutely. Yes. We were in new Orleans on the a at BP con, which was a lot of fun. I've talked about it on the show. It was nice to get out there since the last one in Nashville, which I guess was two years before that. Right? Chad (1m 20s): Exactly. Yeah. It's like the rockstars of real estate. You get to hang out with people and talk about the market. Talk about all deal making. It's a lot of fun. Jesse (1m 30s): Yeah, absolutely. And you know what I did forget to mention you are also a, a alumni of Clemson football. So go tigers. Chad (1m 38s): Yeah, exactly. We're not doing so hot this year, but for the, any of the college football fans, Clemson's usually up there, but this year we're a little, a little soft. Jesse (1m 46s): And if I remember correctly, you're you played linebacker back in the day there Chad (1m 50s): I did. Yeah, that was my that's how I paid for my school. So luckily I didn't have it as far as I know, no permanent damage, you know, concussions, things like that, but yeah, it was middle linebacker. I was about 40 pounds bigger and had a, had a lot of fun doing that at the, at that time Jesse (2m 5s): Weight loss period that that happens after the, the college football day. Chad (2m 9s): It either it either goes one or two directions. I lost, I lost my four day in that like all the little small guys now on the team are like enormous. So they found all the weight that I lost. Jesse (2m 18s): Sorry, the secondary maybe gained some weight and then you get the lineman that, that cut it Chad (2m 23s): Down. Yeah, exactly. Right Jesse (2m 25s): On. Well, thanks again for coming on. I thought it would be great to have you on the show since that panel, that we were on a lot of the questions that we got seem to be still topical today, before we kind of dive into, you know, what's currently going on with real estate and what you're doing for listeners, maybe you can give a little bit of a background about how you got into real estate and what you've been up to since, since that's first started. Chad (2m 49s): Sure. Yeah. So when I graduated from college, so at Clemson university, I thought I was going to go to play football and NFL, and that was a dream that quickly got shattered. And then I also was a biology major college. So I was considering going into medical school, kind of that direction. Also had some job offers in the financial world, you know, working like on wall street, that kind of thing. But I was really always really interested in the lifestyle of a real estate entrepreneur and particularly a small real estate entrepreneur who sort of controls your own destiny and works out of the house and keeps overhead small. And so a business partner and I started flipping houses pretty soon after I graduated from college and we scraped by and figured out ways to come up with capital to buy primarily single family houses, fix them up, flip them. And then over time that worked out pretty well and we were able to make a living. And we, I think that was 2003 when we started by 2006 and seven, we also started buying some rental properties as well. And in particular, we got into the niche of college student rental properties eventually in Clemson, South Carolina. So we're in a college town. So that just seemed to be the best fit for finding a good balance of cashflow and growth and good longterm stability and wealth building was with those kind of small multiunit properties, duplexes, fourplexes with a 12 Plex. We have some kind of aggregated land that we have with multiple apartment units on it as well. But that's where we are now. Today is a, we have 110 units. Most of those I'd say 60% are those college student rentals, but also have a mix of single family houses, mobile homes, things like that. Jesse (4m 23s): Yeah, that makes sense. And in terms of the, the first ones that you got into, not, I guess dissimilar from a lot of people that get into our, our space coming at the kind of value add flipping, was that something that at that time you thought might be the direction that you'd go to, to do flipping or, or was it, you know, it's a little too hands-on and maybe passive or somewhat passive is the better, better. Chad (4m 46s): Yeah, I mean, I looked at it as is, it's a great way to add value and that, particularly for me, I didn't have any capital upfront. So I just, I don't know where I heard it, but I just learned that if you can find a good deal and in any market, then the capital is out there. There's there's and I think that's more true today than, than ever that we are flooded with capital. I mean, there's people who are looking for deals, there's money, that's looking for deals, but if you're that small entrepreneur or big entrepreneur who can go out and find a lot of real opportunities that have either equity that you can add value to today, or you can find good longterm cashflow in long and growing, growing markets or markets are good opportunities. I just found that skillset that I learned early on was so valuable for all sorts of things and it put food on the table to start off. But over time I found that acquiring equity that I could work one time, do all the work upfront and then have that paid dividends for a really long time. That was just very enticing to have that because it fit into the lifestyle goals that I had, not just, I love working, I love projects, but real estate to me, the power of it is how it starts in the beginning as a startup. You had put a lot of work in, but it becomes a relatively passive investment that gives you a lot of lifestyle freedom and the end. Jesse (6m 0s): And at that time, I mean, getting into student rentals, was that the approach initially, or was it just that that's where you were finding Chad (6m 8s): It was not my approach originally. It was mainly to single family houses and typical suburban kind of subdivisions is where we found a lot of our early deals. And I still like those single family house deals for what they are as well. But I actually did a house hack where I lived in one unit and rented out the other, my first introduction to college student rentals. And it was just where I wanted to live. It was near the college town. It was near just the place I wanted to be. And I found that I just, I think I started from that getting to know the, the tenants themselves. So I live next door to a wonderful Chinese couple who are getting their PhD in some kind of health, health initiative, or I'm sorry, healthcare or biotech, I think it was. And then another, you know, had like an international flavor, had China and the other guy and his wife from South Africa and another one from another, you know, another country. And I just thought it really interesting, the people I was meeting and I thought they were really good tenants. And so it just that sort of just landing into my lap, having to find somewhere to live in a house act is a great way to pay for your living expenses. But after that, I said, there's gotta be more opportunities to buy more properties like this. And so we started picking up after you every year from there. Jesse (7m 21s): And in terms of the, the student rental angle, like I think we, we chatted a little bit in new Orleans that, that very similar, how I got started in real estate was, was in the student rental space. And, you know, you hear everything when you're investing in student rentals from, you know, it's, it's a complete nightmare. You're dealing with tenants, but maybe you can talk to listeners a bit about how that's a, it's pretty misleading. And, and if anything, it's, it's really, from a risk standpoint, I look at it at completely the other way around what most people will tell you. Chad (7m 50s): Yeah. It's like real estate in general. Some people run away from it because they heard that there's going to be tenants and toilets and people having leaks. And that's going to be such a big deal. Well, the same with student rentals, they hear that people have, you know, big parties and through kegs through windows, which I'm sure happens somewhere. Right. And in fact, I've probably been at some of those parties when I was in college, but, but it's not, it's not the, the, you know, it doesn't have to be that way. So a lot of there are a lot of good students, students who are renting their place and to take responsibility and you also have the, the parents are often helping pay, pay their way. That's just the reality of it. And so if you do that, you can, I, I have very little credit risk with my student rentals. We have almost always had payments on time. I can think of two situations. And now 18 years of investing a little bit less than that with student rentals, where I've had a credit issue on a student rental and the rest of the time, the rent's paid things. Thanks for taking care of. They have a security deposit. There are some damage issues here and there just like you would with any tenant. But I saw, I think the positive of student rentals as they be find the right university, the right town, the right place with the right dynamics, you're going to consistently get your rent. That's great. And the negative, I would say the drawback of it is it's a more higher high turnover type business. So you do have that maintenance, you know, maintenance turnover, and your, I found my maintenance cost to be higher than maybe some people would anticipate early on just because you're having to paint. You're having to clean up. You're having to do these things pretty often. And, but the flip side of that again, is that we are leasing period starts for student rentals. And now December before they, before August of the next year. Yeah. So here we are, actually, we're our property manager just talked to another day. They're starting right now, here we are beginning of November. So it gets earlier and earlier where know, at least in our market, students are trying to lock down their rentals pretty early. And so that's what we found is we can, pre-lease all of our, our rentals, very rarely do we have something that's vacant. Hmm. Okay. So we do have a vacancy period about 10 to 14 days when we're fixing up the property and doing the turnover. But that's like, there is no sitting there for, for one or two months waiting on finding a tenant there's pre-leasing, you know, turnover period. And then it's leased for 12 months. Yeah. Jesse (10m 8s): And I find in most markets, I'm not sure if, if for yourself, is that nine times out of 10, the occupancy is really only three quarters of the year. Some of them do, at least my experience has been, some of them do stay in the summer, but we typically see 12 month, 12 month leases paying rent for 12 months, but really occupancy either. Chad (10m 27s): That's exactly right. Yeah. And it's a pretty strong landlord market for us in our markets, even, you know, so we've been able to always negotiate that we don't do nine months leases or have to do subleases, but they, most of the people are gone or the summer, or maybe come for a few weekends here and there, but that's, that's the case for us as well. I'm curious, Jesse (10m 45s): Do you, de-risk further with having the least document several or in other words, if one person doesn't pay rent that the others have to come up with that rent, is that how you structure your, Chad (10m 58s): We do structure ours that way. Yeah. There's, there's other big operations in town who have like least by the bedroom type arrangements. We've always chosen not to do that. And we had explained that early on with a couple of students who, Hey, my roommate is not paying the rent. That's not my deal. I said, well, actually it is your deal. That's your, you look at, look at this like a partnership, you know, this is a marriage without the, all the good stuff. Right. You know, you're, you're married to your, to your, your partners here. And so they would all have to pay the rent and figure it out among themselves. And, and so, yes, it was very rarely happened, but that has been, that's come up. And so we, we do have that discussion with the lease with our private property managers to have that discussion. Now let them know that. Jesse (11m 38s): Yeah. And it's great because you have a kind of a, I mean, you have a private, private solution or private market solution, but you also have kind of social norms that factor into that too, where, you know, one person, when they have four other friends living in a place where, you know, parents have the lease and somebody is not paying, you know, the pressure to make sure that you, you know, you're on time and you do things properly. It's probably like, Chad (12m 1s): Yeah, they work it out. Yeah. There's the, yeah. You don't want to let down your roommates let down other people, so, or, or the handle it privately behind the scenes, you know, they, they work it out. Yeah. Jesse (12m 10s): And on the other side of the other flip side of the fact that there's more turnover, I know in markets that have more rent control or more, more regulatory red tape, they actually liked those landlords. Like the fact that there's more turnover, because then you can actually reset rents without issue. Chad (12m 29s): Yeah. That's been a big deal for the last six, seven years for it because the rents have gone up consistently every single year. And so rather than having to face that, how do I raise my rent on a good tenant kind of conversation, which is always tricky, right? You can now push it to market rent every single time. And the other benefit of that big lead time on your leasing period is that you can test out new rent levels without a whole lot of risk. And so if we push it too far and we can't find anybody, like we're getting zero leads at this new rent level, we can pull it back and say, okay, we're a little too aggressive here. Let's pull it back to this. And I've always found with leasing, I don't do the leasing anymore, but I've, I've done tons of leasing over in the past. And it's a really good skill to have because you can see that you can see the sensitivity to price, to the marketing you're doing to whatever. And if you get the right price, market match, I mean, it's like a faucet. Like you turn on the faucet on the water and the leads start coming through. I've always found. And so I think it's good to have done that myself because when I'm having conversations with my people who are doing our leasing, I don't have a lot of excuses. I might look, you know, it's either the property is not ready. It's either you're not promoting it well. Or the price is not right. It's one of those three, which one is it? And let's look, let's look at the metrics. Let's look at the numbers. How many leads are you getting? How many showings have you had? How many applications have you had? How many people are not renting is one of those, like we're having a problem. And one of those levels there Jesse (13m 52s): And how has the last a year or two Chad, how has that impacted number one, your business, or, and as well, your, your outlook on, on the space that you're in and potentially maybe where, where you'd want to be? Chad (14m 5s): Well, I mean, us personally, I was a little, I was scared during COVID, I'll be, I'll be, be honest about that. And the story, the story for me was where we, we are a big fish and a kind of a small pond or in a small town with a big university. We have a lot of our holdings in one place. And so as, as we've matured with our portfolio, looking to have some geographic diversification was always on our radar. And we've kind of been doing that both with, within real estate and also into equities and other things too. But it hit home with COVID because a lot of the COVID regulations, nobody really knew what was going to happen in March of 2020. And when the university where we are at Clemson university decided to go all virtual. My first thought my concern was, well, why would anybody come back to school? Like if they're going to be, you know, going virtual, they can do that from their home, wherever they live. And so I'm, I'm thinking, okay, you know, how much cash I need to save? In case we have 12 months of like 30% occupancy or 50% occupancy, I'm started thinking about worst case scenarios. And we start figuring out how much is that going to cost us to do that and how much we have to lower our rents. So that, that didn't pan out. It turns out most people came back and wanted to have their lease their, their, their apartments. Anyway, even though they were virtual, but it did imprint upon me, the fact that we have some vulnerability that we need just as a personal wealth building strategy, that diversification is really important. And that's, so this, this last year and a half or two COVID has been, that's been the message for us of de-risking our geographic exposure, but also just de-risking period. Like if we do have a situation like that, even if we're not geographically diversified, we we've made it to the place where we have enough, we have enough income, we have enough properties. So de-leveraging paying off debt, doing some things that are not real sexy or not real recommended for people who are always growing, but actually doing the boring, paying off your debt. You know what happens if you have a great depression or your rents go down, I can deal with that. If you, even, if you had, if you had no debt and you read sweat crater by 50%, that would be painful. You'd have to tighten your belt, but you wouldn't lose your properties because you couldn't pay your debt. It would be a totally different situation. Jesse (16m 13s): Yeah. And that's another thing we talked about on the panel. It's this idea, where's that balance of, of you don't want your, you know, to a certain extent, you don't want to have no debt because then, you know, your return on equity is not pretty, but at the same time, you don't want your loan to value or, or your debt to be so large that maybe you're cash flowing. But like you said, do you have a correction of 10% of the market, 15, 20, whatever it is. And then all of a sudden you are in negative territory. Chad (16m 38s): Yeah. And I, I just, I look at people that are a lot smarter than me only look at Warren buffet and people who, who build their business to be resilient. He he's an insurance business. He has to be reinsurers all the big insurers out there. And so he has to be cognizant that he can't predict everything and I've got to save a lot of cash. There is some leverage in his portfolio, you know, he has float and I'm sure it's some kind of long-term debt, some of his holdings. But if you look at the total debt that a company like Berkshire, Hathaway, Hathaway, or other mature companies have, once they've achieved that maturity, they're not aggressively trying to like spring every single bit of return out of their portfolio. They're more about not losing money, like not, not having habit. They want to survive for the next, for the long run. And I think there's a, there's some wisdom in that. I think we, we real estate investing is so debt heavy that we just assume that that's always the way things are done. And the people I know is just me personally, on the small level, who've really done well over the long run and who personally have a lot of peace of mind. And they're just not really worried about the ups and downs of the market are often the people with the most cash in the bank and the least debt. And so, I don't know, that's my, that's my personal correlation that I see out there. Yeah. Jesse (17m 47s): Yeah. I couldn't agree more with that. It just gives you, it gives you that little bit of buffer in terms of, of risk in general. Now, when it comes to, when it comes to student rental properties specifically, we've heard my partners and I actually more demand in the last little while I've had schools in our area, reach out to me and, you know, asking, are your listings still available because we don't, we just don't have the supply or is your market similar? Is, are you seeing that there's a bit of a supply challenge for student rentals? It's, Chad (18m 19s): It's been yes. For the most part has been that same scenario. We've, we've had some ups and downs because we're, we're in a pretty small market. So we have 24,000 students who go to Clemson university. There are 17,000 residents or the population of the city of Clumpson. So the university, and then the city, the city of 17,000. And then we have a couple little small towns, somebody we're very, it's a unique situation. We're very, we don't have a lot of other renters other than our students and our faculty. So when every time there's, there's been some supply excesses, when you have 2000 new units come out online at one, one year luxury student apartments. So sometimes your upper end, your upper rent type stuff, we have a few, you know, more closer to campus, higher rent stuff. Those get affected big time. Whenever the new stuff comes on on the market, it's like throwing a big rock in a pond, you know, and we're in a small pond as everything gets kind of shaken up. So we had some vacancy issues for on a couple of properties, but for the most part that kind of stabilizes and the, the D the overall driver of that is the student population has been increasing at the university consistently, probably two or 3% per year. And the supply doesn't always keep up with that perfectly. You know, sometimes it goes above it. Sometimes it goes below it, but in general, I think if you're in a college town, that's the, that's the metric you need to pay attention to is student population, and then whatever other population of faculty and those kinds of things go with that. And then if you're in a larger college town than we are, which I think is healthier, actually, if you're in like a a hundred thousand person college town, or a bigger city, you also have other industries that are related to the university high-tech industries, things like that. And I think that's an interesting mix because then you can cater to the two different segments of the market. Not only be, you know, renting to students, you can kind of have some cross, cross marketing to different populations out there. Jesse (20m 5s): Yeah. We've seen that in, in most of the areas that we had seen residents, it's been more so like 170,000, 200,000 population wise, and then, you know, 30, 40,000 on the student side. So yeah, it's funny that they, you know, in Clemson, it's pretty much a, you know, you double the double, the population there when school's in exactly, in terms of the way you value on that student, on the student rental front, do you typically do what we do and that it's not a per door metric, it's usually a per bed metric. And how do you look at valuation when it's, you know, single family versus student Rez? Chad (20m 42s): Yeah. We look at it per bedroom as well. And there's a little bit of a, you know, kind of a gray area when you get into some of the lower price rentals where, you know, there there's some, a few that we rent to student grad students, or maybe also some regular local, just kind of people who just need a rental, but when you're in the pure student rental, yeah. We look at it, whether it's, you know, it's a four bedroom apartment that that's, you know, that's pretty clear, or sometimes we have two bedrooms and one, we, we, the two bedroom apartment, we're always looking at it like on the per bedroom basis. And we also value it that way. So we, you know, we'll, we'll work it backwards to try to get almost always to some kind of rental yield number, you know, a cap rate rental yield, or trying to understand what if we paid, no, we had no debt on this property. You know, what is the yield on the, on that? And that's, that's the first level of valuation that we'll do. And I I've always liked it speaking back of debt. Again, you know, you have a cost of capital, you have a cost of debt, both either your debt costs or an equity cost, if you're splitting the deal with other people. But to me, the main metric that you have is that, that rental yield like an unleveraged rental yield, because that's what you're using to distribute to the debt and to your partners and everybody else. And so I just, I've always kind of used that as my, my true north. Not because that's the only way we're going to make money, but because that's what gets me through the ups and downs, that's what got us through 2000 7, 8, 9, because we were able to pay our bills and have some, have some cushion there. And so that's, we start with that. And that, that metric has not been as attractive the last couple of years, as it was earlier, you know, as interest rates have gone down rental yield, unleveraged, rental yields have gone down as well as the prices have gone up. So people are just willing to buy properties with lower rental yields, but that's also made it more important to find deals, to have more kind of hidden value add or hidden upsides. So I found that really knowing my market street by street, knowing what the things that are most important to my students are, for example, being close to public transportation, being on the bus line, also walkability. And bikeability, I think that's, that's my biggest personal metric. Like when I live somewhere, I want to be close to bike trails and walking, and, and I, I feel like that is a generational thing where people go to college towns, they often have a walkability and bikeability, that's pretty good. Clemson's not so good. I've been trying to work on that on the side, trying to get that better, but I think they go there and then they go to other towns and like, Hey, I remember my college experience was so walkable and bikeable, they want to go find places as, as once they find their first apartments and houses that also have that. And so I think that's a really important trend, you know, nationally with, with different, different markets that we're in. But I think that from a college town standpoint, if you can find the numbers are important and leveraged yield, but we're also trying to, if we're going to buy and hold for a long period of time, I want to find the places that are better than others in town, whether that's distance the campus along a bus line, along a bike lane, some kind of, you know, just a character in the market, big trees, nice, nice sidewalks, things like that that are harder to replicate when people build new construction. But if you can buy that from an existing property that gives, that gives you some extra value. Jesse (23m 48s): Yeah. I like the, the unleveraged yield approach, but, you know, it's kind of, here's, here's a net yield for a property and, and kind of getting, you know, taking out the debt first as an analysis, it makes a lot of sense in terms of the, the walkability I find interesting too is cause when you go to certain college towns, to your point of knowing the specific market is that some college towns, you know, their tolerance for, you know, a hundred more yards or 200 yards, it might be lower or higher than other universities. I know in our area, some universities, if it's, if it's a five minute more walk, all of a sudden, you know, that they rule that out or a specific property, they're like, no, we're not, we're not going on that side of the street. Chad (24m 27s): All right. Yeah. You gotta, you gotta go block by block. Right. I mean, you just got to know that's where local market knowledge is so critical. Yeah, Jesse (24m 33s): Absolutely. So in terms of, as you, as you kind of continued to, to get, you know, get more properties, you're now over a hundred units in terms of where you want to be next, when it comes to whether it's apartment building, student residence, what does that look like for you, Chad? Chad (24m 50s): Yeah, we're sort of thinking of, you know, I'm not saying contrary contrarian, but my lifestyle has sort of dictated the way I'm going to build my business. And I have a healthy respect for like bigger businesses and people who build big, you know, big syndications, but that's, that's been like the opposite of what my business partner and I are trying to do. We sort of hit a level where we said, here's the fork in the road for us. We're either going to continue growing. And by other units, we could replicate what we've done here and doing it another college town or another city, and raise a lot of capital and do that. Or we could just say, all right, this is, this is as big as we want to get our business. And we actually frame it as like a small and mighty business, like this, keep this thing deliberately small so that we can then have space to do other things. And for me, other things are teaching other people how to do it. And I have a podcast as well, traveling with my family, doing, you know, consulting here and there for other people doing a YouTube channel. So it's just, it's more of a personal choice. This isn't as much. So the personal choice has dictated that our real estate investing business is not going to get any bigger. And so going back to the de-risking conversation, that's another reason that we, we look at, you know, I looked at the cashflow, our business produces from the gross revenue. And then after deducting all of our expenses, capital expense reserves, all of that. Here's how much income we needed. Here's how much we have and we're in. We're pretty good there. So the next step for us is do, is let's, let's make sure this foundation, this castle, that we've, we've built, can't be taken down and there's no guarantees in life, but some of the ways that could happen would be debt that's that's the main way I've seen people mess up their real estate careers in the past. So either stabilizing the debt, getting longer term debt, low interest rates, making sure that stabilize and making sure we have enough cash reserves. And in some cases just paying the debt off, even with, even if that doesn't make sense from a growth standpoint, that's more of the ambition we're having of the next few years, what we might sell a property there that is not an ideal property. And in the past we would do a 10 31 exchange or something into another property. Some cases we're just paying the tax and paying, paying another set of debt off on that property. So that's, that's kind of where we are. That's our ambition. And then also just trying to help other people do the same thing on a kind of that small and mighty scale. Jesse (27m 4s): I like that small mighty, but I mean, it makes sense too. It's, you know, when you're talking about it might not be as an attractive return, you know, if you're not doing a syndication or you don't have investors, it really is not as big of a deal. You're not, you don't have a fiduciary obligation to them. It sounds like up to now, you've, you've worked with partners or bootstrapped the, the financing side of it is that, is that pretty much how you've done it to date? Chad (27m 27s): Yeah, we primarily have done private capital, but just very simple private capital. Like we had a, an professor of mine at Clemson when I first met him, one of our first deals, he would loan us the money. And I, he actually didn't realize that at the time I learned that you could do a self-directed retirement account where you, instead of just investing in stocks and bonds and things like that, there's these kind of boutique custodians who allow you to make loans to other people against real estate or buy a limited shares and syndications, for example. And so I showed him that he could do that and he was like, oh, that's interesting. Well, what do you want me to do with it? And I said, well, how about you loan me money for this flip that I'm doing and I'll pay you 10% interest. And he said, that sounds good. Okay. And he said, you're going to do all the work. I said, yes, I'll do all the work is so it started off that way. And then we sort of branched out and eventually said, well, we don't want to flip it anymore. We just want to hold these properties. And so we can't pay 10% interest and make that work. So we started just paying 6% interest for most of our deals. And then we would extend the terms out, you know, instead of doing, you know, a one-year term, let's do a 15 year term and have it, have it go longer. So that that's been a large majority of what we've done is private capital. Often through self-directed retirement accounts, we've done a lot of seller financing where a seller, instead of them selling their property and paying taxes on it, we'll offer to buy their property. And it's often landlords who are just trying to get out of the business and then we can get really attractive, low interest rates with them. And so it's been a mixture of that kind of capital with a little bit of commercial debt as well. And then, so, so when we, when it comes time to pay stuff off though, it's, it's just the person who has a bond, a debt, you know, instead of it, these are me and my business partner are the only equity partners. We don't have any other, other people who are working with us on that side. Jesse (29m 8s): No, that's great. You've, you've kind of found a, an in between, right. Between the larger syndication or asset specific capital raising and, and just doing it all on your own in terms of the, so the structure that you have now, you've, you've purchased these properties over the years, and you're now doing coaching and teaching. When it comes to retire early with real estate, the book that you worked with with bigger pockets, how did that come about? And in terms of, you know, putting that out there and, and how long ago was that, that, that the book came out? Chad (29m 39s): Yeah, it coincided with my family. I were in Ecuador. You mentioned that at the very beginning, we decided to take this sabbatical trip and it was sort of just, it was representative for us that, all right, we're, we're, we've hit a plateau, we've got enough income coming in. There's still work to be done, but we're ethic, we're at a good place. And so we traveled and then our daughters were three and five years old and my wife teaches Spanish. I like, we like foreign languages. So they learned Spanish and enrolled in schools locally. And we just enjoyed living. There, just went to Cuenca Ecuador at the same time though, you know, always thinking of what's next. And I had been writing a blog for bigger pockets or writing on their blog and had my own blog going on. And, and just, I think I was talking to Brandon Turner. It was some conference and he said, oh, you got to write a book, Chad, just pitch this pitch, the book idea at a bigger pockets. And so that was, you know, a year or two before we went on that sabbatical. But I, I decided to write the book while we were at Ecuador so that everybody else would go to bed, you know, eight, eight or nine o'clock. They put the kids to bed and then I'd write for like an hour or two. And for me, it was just, it was putting into a framework what we had done in our business. So from, I used the metaphor saying, you start at the bottom of a mountain, you're looking up at the top of the mountain. The top of the mountain is this idea of financial independence. When you have enough wealth to pay all of your personal expenses, whether that's rental income in our case, or if you own stocks or something else. And so I tried to give people several different routes up that mountain, that how do you do that? How do you do your first deal and get that first capital when you don't have a lot of capital or have a lot of knowledge often through house hacking often through, you know, maybe move into a house and then, you know, move out of the house and keep it as a rental or, you know, doing some burrow strategy type deals when you don't have a lot of capital. And then, but then, you know, moving up the mountain, some of the conversations we've had here, like how do you get to a place where you feel more confident that you can actually live off of your income and actually have a, have time, have free time to do things. So I talked about some of those strategies and having backup plans to your backup plans, you don't have side hustles and things that would make them make you some extra revenue. So it was sort of a, it was a blueprint type book, but then it was also, I interviewed, I think it was 700. I did a survey of 700 people who were aspiring for financial independence or had already achieved it. And then I profiled 25 of them who are at different levels of their real estate journey. And just talk to ask practical questions, like how many properties do you have? How much income do you need to retire? And so it's all these kinds of financial independence, retirement oriented questions. And I told their stories kind of in between the chapters of the blueprint that I've put together in the book. Jesse (32m 6s): And how long ago was that, that that book Chad (32m 8s): Came out 2018 was when it was published. Jesse (32m 10s): So definitely, definitely still topical in terms of the, the process. I'm always curious, you said your you're writing it when you were away. I imagine it was a lot of work. How was the tactical process of writing the book? Chad (32m 25s): Yeah, I started with a big outline and, you know, as, as a blogger and you're a podcaster, I think we have content that we put out there where, where idea, we're always putting ideas together. So I had a lot of ideas in mind, but it's a pretty grueling in terms of yeah, just researching and get it. You know, I wrote probably 120,000 words for a book that ended up being 65,000 words, you know? So you cut like half of it out and had friends read it and say, yeah, that sucks. You don't want to do that. You know? And it says the brutal process is not, I mean, writing on a computer is one thing, but just the, the reflective process of putting your ideas out into the world and having them, you know, critiqued, thirdly, stomped on and beat up. You know, I think my linebacker training was probably the best training I could have had for that, just because I had football coaches who would just scream at you and yell at you. And, and so the end, the end result though, you hope is, you know, it could always be better, but that the end result of that is very satisfying when you get it out there. And the good thing about publishing with bigger pockets, who I know you're you're involved with as well, is that they have a platform. They have people who are interested in the book. So the marketing, the marketing side of things is not my strength. And so I like the writing. I like the teaching. I like sharing, but marketing yourself and putting yourself out there as a whole nother strategy than writing the book. And that was fortunate that that BiggerPockets could help me on that side. Jesse (33m 49s): I'm always curious when we have individuals that have written books and what their style was, was it actually pen to paper every day? Was it, you know, modifying transcripts of, like you said, content that they already have, and, you know, I guess everybody's a little different in terms of what their strengths are. Chad (34m 5s): Yeah. I was just, you know, I had the outline, I had, I had content out there, but it was just every day. I think I read this from Stephen King or somebody like that. I just said, you just got to make a goal, even if it's, even if it's not good that day, just like write 700 words or a thousand words or whatever it is, and just get it out on the, on the computer. And I did type it up. I think I used the Google doc and just had that going for a long time. Now I am pen to paper type person too. Like I love doing my mapping and I'll, if I have ideas for the chapter, I'll sorta mind map that out and draw it out, you know, on a, on a non-digital non-connected type a world. Cause I had to think clearer, they're usually in the morning or late at night, but that's where the best thinking goes on. But then when you, you gotta just had that, that deep work time of, you know, two to three hours at a time of just knock it out, type something, get it on the paper and this chick away at it, you know, a little bit by little bit by little bit. Jesse (34m 58s): Yeah, absolutely. Well, I thought we changed gears a little here in terms of where we're at in the market right now. We talked again about this when we were on our panel, you have a particularly particular view of, of where you think the market is right now when it comes to very topical inflation and interest rates. I know, you know, nobody's got a crystal ball here, but how are you preparing for the next year or two for the short term, you know, aside from what you've said about de-risking, but your thoughts on that and, and I guess generally your view on where interest rates are at and where you feel inflation may or may not be. Chad (35m 33s): Yeah. I mean, if I had to vote or bet on something, which I'm not a great bet betting person, but I would, I would bet inflation's going to be continue to be more of the topic for awhile and at least for a couple of years. So I'm, you know, I, there's not a lot of preparation for me on that side of things, because a lot of our portfolio already, we have some debt still. We have assets that we feel are in really good locations that have long-term potential. So I just, I, I feel like we're in an, all of you who are listening to this, if you're one of the reasons you should be investing in real estate, is it, this is one of the best assets for an inflationary period. And the other message that I think is so important, but if you're in, if you're in the growth phase for what, wherever you are, whether you're just early in your career as an individual investor, or if you're in the syndication world, the best formula I've ever heard of an investing for inflation is that you buy these assets that go up in value over time because they're good, well located. And you buy a property that has an unleveraged deal of let's say six or 7%. And then you borrow money at 3%. And your cost of capital is three. If you have a margin of three to 4% between what you can produce an income and what it costs you to borrow money, and then that property's going to get better and better over time. I think that is such an incredible basic formula to build wealth because you are lucky, especially if you can lock that interest rate in for a long period of time. Now that you're, it's only getting better over time. And that's, I kind of keep that in mind in terms of just, it's almost like football, you know, this has simple, simple plays that work well on any market. And that's a simple play borrow for a lower cost than what your property produces by in a good location that has some dynamics of supply demand that are in your favor over the long run, and then just be a buy and hold investor and wait, just be patient you don't, if you get the more you can be flexible on when you exit, then you can be more optimal about, you know, knowing that it's going to happen at some point, but we don't know if it's gonna be three years or five years or 20 years, but we're going to be, be patient enough to get there Jesse (37m 28s): In terms of unleveraged year, a yield. Just, just so listeners are clear when you talk about unleveraged yield, we're talking about the cap rate for the property, or are you factoring in debt with that yield? Yes, Chad (37m 39s): But like a cap rate. And I guess I use leverage yield instead of cap rate, because I used to always use cap rate online on my YouTube videos and a couple of like nitpicky people are pointing out that well, that's not exactly what a cap rate is. You know, use a cap rate to value a property or what I'm S what I'm saying is, is an internal metric. This is just, let's just look at this and leverage yield. Let's take all of our expenses, our operating expenses, management, maintenance taxes, insurance, let's take capital expense reserves, whatever we need to make sure we've covered all of our outflows of cash what's leftover when that's all said and done, except for excluding your mortgage payment. That's, that's what I'm saying. I actually like Jesse (38m 14s): That term better unleveraged yield or operating yields, because it kind of gets away from this. What I've heard the term. I can't remember who's who coined it, but a suitcase words and cap rate is definitely a suitcase word. It means a million different things to different people. If you're the investor, the broker, the buyer, the seller, you know, and you just hit it right there, even with cap reserves, right? How do we, how do we factor those in some people do it differently? So that makes sense. I mean, you're looking at, from an interest rate perspective, from a risk standpoint, if we could do fix, we do fix, if we can make sure that that yield is higher than the interest rate, it's not rocket science. You know, the question is finding those properties. Yeah. Chad (38m 54s): Yeah. And that's, that's the, that's a whole nother thing, but it's, it's we started talking about the market, like, how does the market effect that this is a competitive market? So finding those deals is certainly challenging, but I know when I first started investing in 2004, three and four, we're just not that long ago. Right. It was the interest rates were higher, even then I thought interest rates were low, but you knew there were five or 6%. Now they're three or 3%. I mean, that's, that's incredible. So yes, it is more competitive. Yes. The yields have gone down, but with the right properties and the right markets, that's where we, as operators can really set ourselves apart. We can find those value, add opportunities. We can find those little pockets of opportunity within our market, in my market. For example, Clemson is my, my main little town, but I think some of the better opportunities, and these are these little small towns, right next, next to the Clemson central and Pendleton and Seneca. Nobody's gonna know what those mean if they're not in my market, but if you're, I think that's my challenge to everybody is try to find ways in this market to do the opposite or go the different direction from what other people are doing. How does it, when the competition's digs, how can you zag? How can you do something different? And that often is with locations, which is finding those little pocket locations. Sometimes it's with different asset classes. Like I do residential multiunit, but you know, maybe mobile homes are the thing in my area, or maybe there's a self storage, or, I mean, I'm not saying that you should just jumped ship on your, your strategy, but being open to different competitive advantages, I think is what we're all having to do right now. Jesse (40m 24s): Yeah, for sure. Well, we have final four questions that we ask everybody that comes on the show, but before we, before we get there, I'd love to chat a little bit about what you do on the YouTube channel and how you kinda got into that side of, of really just coaching and, you know, hence coach Carson. But yeah. How did that come about? Chad (40m 45s): Well, it started as a, as a written thing. So I was a blogger and I actually, well before, even before that, I did coaching locally. So I actually don't do a lot of coaching. Now. It's more like coaching through the YouTube videos, through podcasts, through, through a course online course that I teach, but it would really wish it's starting one-on-one with people locally in my market. And they're saying, Hey, how do I find a deal chat? How do I analyze a deal? And so I would just do it, you know, at a local real estate meetup and show them on the back of a napkin or a back of an envelope. Here's how you do it. Here's what I'm doing. And it was just that, that love of teaching, I guess, that kind of made it so that I was like, I just want to share this more publicly. And I met the bigger packets guys, Josh and Brandon started writing for them, start writing my own blog. And I wrote so many articles that nobody looked at it. It was just like, I'm really glad they did because they were not that good at the time. But I think whether you're YouTube or podcasts blogger, you just got to love the process of teaching and sharing and ideas in general. And so for me, it grew from that to a blog, which was great. I could write it on my own, turned into a book, the podcast game, just because the people who happen to be reading my blog all were asking me, Hey, I like listening to podcasts and I'd rather do that than read it all the time. So I started doing that and then YouTube has been spend kind of a recent passion. I've had a YouTube channel for awhile, but I think it's a more challenging medium in some respects, because you have the video, you've got the, you have people's attention. Span is a lot shorter on YouTube. Unfortunately with the podcasts, you know, people are washing dishes or exercising or something. So you have their attention a little bit longer YouTube, but man, if you, if you're not doing something good, they're out, you know, there's skipping, let's get outta here. So I'm still a rookie in this respect. But a lot of my style there is kind of a tutorial driven. I'm trying to use a little whiteboard and show, you know, they look over my shoulder. Here's how I would run the numbers. Here's an, here's what an unleveraged yield needs. Here's how you calculate cashflow or here's a story about a deal I did. This is my first rental property. And here were the numbers in the beginning. Here's how it changed over time. Here's my spreadsheet I use. So it gives me the ability, like a podcast is a good conversation media, but a YouTube is more of an instructional tutorial based. And I've really enjoyed that, that aspect of it as well. Jesse (42m 53s): Yeah. And I find the thing with YouTube as well. It's the more challenging thing, at least for me, it's the consistency of putting episodes out. Like when you're you got a podcast, you know, you have a, you have a call with somebody today. You got to be there that other person's going to be there when it comes to YouTube to kind of self-start cause you can outsource a lot of things. It's very difficult to outsource your face in front of a camera. Chad (43m 13s): Yeah. We haven't figured that one out yet, but that's also what makes it special. Like I think YouTube is so cool and that it's basically taking down the big media networks. Like it's, it, it is more popular. There's more views. And who are the people who are creating? Yes, there's some big names out there, but it's just like the Chad Carson who's check cars. They want to know what it is he have to do with anything. Nobody gave him permission to give content. And the only reason, the reason that we are doing that out there is that people are voting with their views. And that, that is, that's a cool concept. That to me is like, it's the, it's the epitome of the internet, but it's also on a large scale with YouTube that people are choosing to sit down in front of their TV or the computer or their phone and watch these no name creators who are producing good content and then they vote for it. And then YouTube has an algorithm that shares that with other people because people are voting with their, with their watch time. And that's, that's pretty, that's pretty amazing. Jesse (44m 4s): Yeah, absolutely. No, for sure. It's a, it's definitely a great medium, especially for on the instruction front. All right, Chad, we got four questions. We ask everybody that comes on the show. So if you're ready for those, I'll, I'll send them your way. All right. Let's do it. All right. What's something that, you know, now in your career could be business real estate that you wish you knew when you first started out. Chad (44m 25s): Yeah. The numbers are not everything. When you analyze a rental property or any kind of property, I was so enamored with the numbers early on and you know, I'm a spreadsheet nerd. I'm sure a lot of real estate investors are that I would just get enamored with. Oh, look at this cap rate, look at this internal rate of return. Look at this cashflow potential. And I ignored the other half of that coin, which is the kind of qualitative metrics of that property of location, of desirability, of long-term potential, you know, opportunity to add value to the property. And so I, I missed, I missed on some opportunities, but I also put too much weight into some properties that had, they were they had a good cashflow for a reason. They were in a bad location and the next door neighbor was dealing drugs. You know? So it's like, I, I learned the hard way early in my career about that, but I said, there's a more balanced approach now to saying, yes, I got to have metrics that make sense, but I also need to have those metrics are driven by real world human beings who choose to live in a place for a certain reason, let's start with a human being. And then let's just use the metrics that sort of control my emotional irrational impulses. That's the, the, the, the metrics are just to kind of keep me in check. Jesse (45m 35s): Yeah. That's a great answer. Couldn't agree more with that. All right. In terms of somebody that's getting into our industry, what would, what advice would you give them and just generally your view on, on mentorship. Chad (45m 46s): I think you need to love the process. And I don't mean like, you know, this is real estate investing has been your passion for all your life, but I do mean that if, if you, if you're doing it, just because it seems lucrative or seems like it's a place to make a lot of money, like that's fine. Like making money is great. We all should make money, but you gotta have something that really draws you to this business. And for me, it was like running the numbers. It's really interesting to me that I sort of tapped into something that was, that I just enjoy doing. I enjoy the communication and the human side of things. The negotiations are really fun for me. I almost feel like it's a puzzle piece that you get to put together. So, you know, I, I, I had a, I almost have a bad habit of just doing deals because I just loved the, the deal, you know, let's put the deal together, you know? And so that's, I think going back to a new person, who's getting into the business, find a piece of the business that you love, whether that's the remodeling side of things, the am analysis side of things, the negotiation side, or multiple, and to stick with that, like get really good at that. Find that kind of intersection of what you're passionate about, what you're good at and what a need in the marketplace is. And if you just stick with that, it's focused on that. The rest I think will take care of itself. That's great. Jesse (46m 56s): All right. Number three, aside from your book retire early with real estate, or what book recommendations are you constantly giving out again and again that you could share with listeners? Chad (47m 7s): Yeah. This is a oldie classic book, seven habits of highly effective people. I just, I was fortunate enough to read that right after I was getting out of college. And it's one of those books that, you know, the first three habits are just personal habits, like being proactive, putting first things first, you're just learned about personal effectiveness and planning. The second three habits are all about interpersonal communications. So how to, you know, think win-win make sure that the person's winning and you're winning listen first, don't seek always like, get your first word in. So there's just some core, like really good principles that I I've re-read that book like 10 times every time I reread it, I'm getting other little kind of layered benefits from it. So highly recommend that one. Jesse (47m 49s): Yeah. I guess every time there's, there's more nuance that you get out of that book. All right. Last question. My softball first car make and model Chad (47m 58s): First car make a bottle. This is a Toyota Camry, 1995 model cloth Gracie. And, you know, drove that to high school, drove that to college. It was actually, this is a funny story. When I started my real estate, this is, I still had that car and I put, I was trying to find deals and I put these noxious vinyl signs all over the side of my car saying like we buy houses and here's my phone number. And it was sort of a, it's sort of a turning point for me. I was embarrassed. I was like, God, this is horrible. I've putting these all in my car, drove away one girlfriend who was like, ah, you're not, I really don't want to be around being around you. But then I was a kind of a filter for my next girlfriend who became my wife because she's like, oh, whatever, that's fine with me. But the cool thing about that for me, that that car was, I owned it free and clear. And then I put a sign on top of it that I made cost me 300 bucks to put the signs on there. And I ended up buying a property every year for like five years that made me, you know, minimum five, 10 grand per property off of this marketing that it, so this car was like a money machine did really well. Jesse (49m 4s): I think that's the best answer to that question that we've had on the show. That's, that's pretty good. Awesome. In terms of where people can reach out to you aside from a quick Google search, where can they go, Chad? Chad (49m 16s): Yeah, my, my home base online coach carson.com. That's where you can find my podcast. Although you can search for my podcast on any of the podcast players out there, apple, Spotify, those as well. And then of course on YouTube, if you search for me on YouTube, we'd love to hear from you. Please leave me a comment on YouTube or somewhere. Always like to hear your story and, and respond to that. And what would enjoy connecting it with you somewhere online? Jesse (49m 38s): My guest today has been Chad coach Carson. Chad, thanks for being part of working capital. Chad (49m 42s): Yeah. Thanks for having me, Jesse. This has been a lot of fun. Jesse (49m 52s): Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse for galley. If you liked the episode, head on to iTunes and leave us a five-star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one. Take care.
Our Review of WWE Raw as Simon Miller runs down everything from last nights show...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Mike Keith, Amie Wells and Titans Radio's Rhett Bryan cover Four Downs in Tuesday's edition of The OTP, presented by Farm Bureau Health Plans.
Welcome to Season Two of the Live in Love Podcast! Each week Lauren sits down with friends and family to talk about all the different areas of her life where she gets to live in love. She continues to share hew things with you that you may not know even if you have read her book Live in Love. Co-hosted by Annie F. Downs. If you haven't gotten your copy of Lauren's beautiful book, Live in Love, you can pick one up at your favorite local bookstore or at laurenakins.com. On today's episode, we celebrate Lauren's birthday! She sits down with her parents, Steve and Lisa to talk about what it's like to live in love in relationship. Thanks to our sponsors in this episode: CRU: For only $21 a month, you can provide three people with Bibles each and every month. When you sign up to provide 3 Bibles with a monthly gift of $21, as a thank you, Cru will provide meals to 5 hungry families through their humanitarian aid ministry AND you'll receive a copy of my book, Live in Love. Simply text LIVE to 71326 to help today or visit give.cru.org/Live. Hello Fresh: Now you too can enjoy more time with the family and less time planning. Just go to hellofresh.com/liveinlove14 and use the promo code LIVEINLOVE14 for 14 free meals including free shipping! Modern Fertility: Get $20 off your fertility test when you go to ModernFertility.com/liveinlove.
Our WWE Survivor Series 1998 retro review as Simon Miller talks about the Deadly Game tournament including The Rock vs Mankind, Kane vs The Undertaker, The Rock vs Ken Shamrock, Stone Cold Steve Austin vs Mankind and much much more...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Our AWE Rampage review as Simon Miller talks about Bryan Danielson vs Anthony Bowens, an epic promo between CM Punk and Eddie Kingston, Adam Cole vs Jon Silver and The Bunny vs Red Velvet. See acast.com/privacy for privacy and opt-out information.
Our WWE SmackDown review as Simon Miller talks about Xavier Woods vs Jimmy Uso, Drew McIntyre vs Ricochet, Shayna Baszler vs Naomi, Viking Raiders vs Mad Cap Moss and Happy Corbin and much more. See acast.com/privacy for privacy and opt-out information.
Our AEW Dynamite review as Simon Miller talks about Miro vs Orange Cassidy, Cody vs Andrade El Idolo, CM Punk's promo and much more...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Bianca gets waylaid, Rollins grates, E shines, Gable and Theory impress...ENJOY!Follow us on Twitter:@SimonMiller316@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe See acast.com/privacy for privacy and opt-out information.
Welcome to Season Two of the Live in Love Podcast! Each week Lauren sits down with friends and family to talk about all the different areas of her life where she gets to live in love. She continues to share hew things with you that you may not know even if you have read her book Live in Love. Co-hosted by Annie F. Downs. If you haven't gotten your copy of Lauren's beautiful book, Live in Love, you can pick one up at your favorite local bookstore or at laurenakins.com. On today's episode, Lauren sits down with her friend, Mattie to talk about what it's like to live in love in loss. Thanks to our sponsors in this episode: CRU: For only $21 a month, you can provide three people with Bibles each and every month. When you sign up to provide 3 Bibles with a monthly gift of $21, as a thank you, Cru will provide meals to 5 hungry families through their humanitarian aid ministry AND you'll receive a copy of my book, Live in Love. Simply text LIVE to 71326 to help today or visit give.cru.org/Live. Hello Fresh: Now you too can enjoy more time with the family and less time planning. Just go to hellofresh.com/liveinlove14 and use the promo code LIVEINLOVE14 for 14 free meals including free shipping! Modern Fertility: Your Prenatal Multi subscription gets you 60 capsules per month for $30 — but, right now, our listeners can get 30% off their starter kit, including one month of capsules and a free glass storage jar, at modernfertility.com/LIVEINLOVE30.
Welcome to Season Two of the Live in Love Podcast! Each week Lauren sits down with friends and family to talk about all the different areas of her life where she gets to live in love. She continues to share hew things with you that you may not know even if you have read her book Live in Love. Co-hosted by Annie F. Downs. If you haven't gotten your copy of Lauren's beautiful book, Live in Love, you can pick one up at your favorite local bookstore or at laurenakins.com. On today's episode, Lauren sits down with her best friend since childhood, Lindsey to talk about what it's like to live in love in friendship. Thanks to our sponsors in this episode: CRU: For only $21 a month, you can provide three people with Bibles each and every month. When you sign up to provide 3 Bibles with a monthly gift of $21, as a thank you, Cru will provide meals to 5 hungry families through their humanitarian aid ministry AND you'll receive a copy of my book, Live in Love. Simply text LIVE to 71326 to help today or visit give.cru.org/Live. Quip: If you go to GETQUIP.com/LIVEINLOVE right now, you'll get your first refill FREE. Modern Fertility: Get $20 off your fertility test when you go to ModernFertility.com/liveinlove.
© 2020-2021 Ivy Podcast Discovery LLC
