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Most agents can sell a house. Far fewer can tell you whether the numbers actually work. In this episode I sit down with Rachel Kokosenski, an investor-focused agent with the Smallegan Real Estate team in Grand Rapids, Michigan, who has built a business where 90% of her clients are investors, and she did it by learning to speak their language fluently.Rachel breaks down the exact math behind short-term rentals, long-term rentals, and flips, and explains why agents who don't understand investor math are leaving deals on the table, pricing properties wrong, and losing clients they never even knew they had. She also shares a contractor partnership strategy that lets her package and pitch deals to investors before a single offer is written.Inside this episode:The ARV formula flippers actually use and why most listing agents are pricing renovation properties way too highHow to analyze short-term rentals like a business, including the 60% occupancy rule Rachel uses for seasonal Michigan marketsWhy multifamily properties should never be priced like single-family homes and what happens when they areThe Tuesday Zoom and contractor walkthrough system Rachel built to source, evaluate, and pitch deals to her investor clientsHow joining a free local investor group and showing up consistently became her primary source of new businessWant to connect with Rachel?Follow Rachel on Instagram: @rachel_kokosenski Email: rachel@smalleganrealestate.com Website: smalleganrealestate.comIf you want to future-proof your business by learning how the biggest buyer segment in today's market actually thinks, this episode is required listening. Subscribe, share, and follow for more interviews like this.The Neighborhood Realtor is proudly sponsored by Treadstone Funding and Neighborhood Loans. For more tangible tips in real estate marketing, check out Matt's book, The Tangible Action Guide for Real Estate Marketing available on Amazon.
Does it matter how and where you meet the love of your life? Brian breaks down why everyone cares, the best dating environments, the details to focus on, the importance of proximity, why to kiss in the street, the roadmap to replicating it, and much much more!
"Fixer Upper | Graduation Sunday"*If you would like to get connected to what's happening at East Side, CLICK HERE.
Speaker: Dave Ralph
"Fixer Upper | Foundation of Faith"*If you would like to get connected to what's happening at East Side, CLICK HERE.
The Science of Flipping | Become a real estate investor | Real Estate Investing like Robert Kiyosaki
In this episode, I sat down with 10-year mortgage industry veteran Sal Rizzolo, Branch Manager at New American Funding, to unpack what's really happening on the front lines of lending right now. We talked about how AI is rapidly automating cookie-cutter loans — and how companies like Freedom Mortgage and Better Mortgage are already racing to cut human loan officers out of the equation. But instead of treating that as a death sentence, Sal breaks down exactly how he and his team are future-proofing themselves by mastering the 203K renovation loan — an FHA product that lets buyers purchase and renovate a home simultaneously with as little as 3.5% down. We dove deep into how this product creates supply in markets starved for inventory, how realtors can use it to close deals they would have otherwise lost, how homeowners can renovate without selling their low-rate mortgage, and why the most complex, human-intensive deals will always need a skilled loan officer who knows what no AI ever will. Sal Rizzolo Sal Rizzolo is a Branch Manager and Senior Loan Officer at New American Funding, based in Long Island, New York, with a growing presence in Florida. With over 10 years in the mortgage industry, Sal got his start after leaving a career as a hairdresser and was mentored by industry veteran Frank, who introduced him to the business and shaped his client-first philosophy. Over the past decade, Sal has built a reputation as one of the go-to specialists in renovation lending — particularly FHA 203K loans — becoming a pioneer of what he calls "ending renovation discrimination" in real estate markets. He operates across nearly all 50 states and is known for working with complex borrower profiles that other lenders pass on: lower credit scores, higher debt-to-income ratios, and buyers with limited down payments. Sal has hosted seminars for real estate agents throughout Long Island, converting educational events into lasting referral partnerships. He is NMLS licensed (#1489171) and is part of the Capo DiBug Team Northeast at New American Funding. Connect With Sal Rizzolo Instagram: @salrizzolo Instagram: instagram.com/salrizzolo LinkedIn: linkedin.com/in/sal-rizzolo-6802a7181 New American Funding Profile: newamericanfunding.com/mortgage-loans/SalRizzolo About Justin: Justin Colby is the host of The Entrepreneur DNA and The M.O.R.E Show podcasts and a best-selling author. He is a serial entrepreneur and a seasoned real estate investor with over 20 years of experience. Driven by a passion to help entrepreneurs thrive, Justin created the Entrepreneur DNA community to support business owners in building wealth, systems, and long-term freedom. Through his podcasts, books, education platforms, and hands-on mentorship, he continues to help entrepreneurs scale with clarity and confidence. Connect with Justin: Instagram: @thejustincolby YouTube: Justin Colby TikTok: @justincolbytsof LinkedIn: Justin Colby Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
We've all heard the age-old advice you should buy the worst house on the best street - but is that still the case? The divide between what's considered a 'good' or 'bad' street seems to be less obvious than what it once was, and the cost of building or renovating has skyrocketed in recent years. It's just not as easy these days to throw a little bit of cash and a few weekends of hard work at a run down house to bring it up to the level of neighbours. LISTEN ABOVESee omnystudio.com/listener for privacy information.
Brian, Ian and Patrick talk about plans for the 2026 Fine Homebuilding Summit. James shares his advice for insulating and air-sealing attic knee walls. Chris wonders if window manufacturers should be teaching installers how to flash windows. Heather asks how to detail a slab on grade foundation with interior stem wall insulation. Ian seeks advice on addressing a previous owners questionable upgrades. Tune in to Episode 735 of the Fine Homebuilding Podcast to learn more about: Barrier versus drainage methods of flashing windows Insulating a slab on grade foundation Sizing up and undoing a previous owners questionable repairs Have a question or topic you want us to talk about on the show? Email us at fhbpodcast@taunton.com. ➡️ Check Out the Full Show Notes: FHB Podcast 735 ➡️ Join us for the 2026 Fine Homebuilding Summit ➡️ Follow Fine Homebuilding on Social Media: Instagram • Facebook • TikTok • Pinterest • YouTube ⭐⭐⭐⭐⭐ If you enjoy the show, please subscribe and rate us on iTunes, Spotify, YouTube Music, or wherever you prefer to listen.
It's a "Fixer Upper or Made Her Upper" edition of Plenty of Twenty!See omnystudio.com/listener for privacy information.
The Brunch Bunch finishes their Fixer Upper series by discussing practical steps for soul care and what our “necks” have to do with it.Show Notes:Fight to Flourish by Jennie Luskohttps://bibleproject.com/videos/nephesh-soul/https://www.prestonwoodbookstore.comhttps://prestonwoodwomen.org
WHO'S WHO Honoree, Baby Boomer, Catholic schoolgirl (can readily identify any plaid ever used in a parochial uniform), and '70s Playboy Bunny (another uniform—not plaid—blue satin), Barbara Camp insists that “God writes the best fiction, known as non-fiction." Camp's short stories translate bulletproof, Biblical wisdom (both the Old and New Testaments) into everyman, everyday, modern metaphors. Cell phones (Tower of Babel); designer food (The Last Supper); feminism (Samson & Delilah); the Hudson River air strip (Jesus Walks on Water); DNA (The Creation of Adam); Christ's promise of provision (The Fish & Loaves of Bread), and many more. As we worship the created versus The Creator, our anorexic souls are brimming with wildly dubious flim-flam. Popular thought believes the natural can cure the natural, while virtually ignoring supernatural! Let not the herd mentality nor a cancel-happy culture hit “delete” on the ultimate VIP. If God is love, got God?
Jesus didn't come just to forgive sins; he came to begin restoring everything sin has broken. His kingdom is already here, and wherever Jesus is King, redemption is already at work. ****************** If you are new with us, want to pray with someone, or want to take the next step in your faith journey: churchonthedrive.org/next If you would like to give: churchonthedrive.org/give If you would like to to start volunteering somewhere in church or in our community: churchonthedrive.org/serve
Through Jesus, all sins can be forgiven, making us new creations. We are called to accept this forgiveness and help reconcile others. ****************** If you are new with us, want to pray with someone, or want to take the next step in your faith journey: churchonthedrive.org/next If you would like to give: churchonthedrive.org/give If you would like to to start volunteering somewhere in church or in our community: churchonthedrive.org/serve
Jesus didn't just die so our sins could be forgiven. He died so a new humanity could begin. ****************** If you are new with us, want to pray with someone, or want to take the next step in your faith journey: churchonthedrive.org/next If you would like to give: churchonthedrive.org/give If you would like to to start volunteering somewhere in church or in our community: churchonthedrive.org/serve
Humanity broke its relationship with God and could not repair it on its own. Because our debt to God is greater than any finite person could repay, the redeemer had to be both truly human to represent us and truly God to save us completely. ****************** If you are new with us, want to pray with someone, or want to take the next step in your faith journey: churchonthedrive.org/next If you would like to give: churchonthedrive.org/give If you would like to to start volunteering somewhere in church or in our community: churchonthedrive.org/serve
Vikings QB Options and the Jonathan Allen Fallout: Cash vs Cap and Rebuilding the DT Room — Tyler Forness and Luke Braun return with an “Xs and Skulls” breakdown focused on the Vikings' quarterback outlook while sharply criticizing the team's handling of Jonathan Allen. They argue Allen was a good player who didn't match his $17M AAV expectations, and that cutting him is driven more by ownership cash savings than cap efficiency, creating a major defensive tackle need and potentially forcing expensive replacements or a first-round DT pick. They discuss how scheme context affects grading, compare similar contract-driven fan reactions (including T.J. Hockenson), and note concerns about similar treatment of other veterans like Javon Hargrave and Aaron Jones. At quarterback, they debate vet-minimum opportunities (Kyler Murray, Geno Smith, Kirk Cousins), evaluate Malik Willis as a risky bet, and consider Anthony Richardson as a cheap “fixer-upper.” They announce a 10 PM Central Monday live show on the Locked On Vikings YouTube channel. 00:00 Show Intro Setup 00:54 Jonathan Allen Fallout 07:05 Cap Hits Versus Cash 13:18 Defense Cuts Concerns 18:21 Quarterback Market Shift 21:14 Malik Willis Breakdown 28:06 Anthony Richardson Idea 31:30 Richardson Flyer Bet 32:24 Upside vs Cap Hit 33:36 O'Connell Calls Shots 35:18 Kyler Fit Debate 39:34 Murray Mechanics Concerns 42:16 Fixer Upper vs Band Aid 44:19 Geno Bridge Option 48:57 Job Saving Culture Rant 50:36 McCarthy Still In Play 54:39 Announcements and Wrap Up ____________________________________________________________ ⭐️ Subscribe to us here! - https://www.youtube.com/@vikings1stskol92 ⭐️ Our Twitter can be found at @Vikings1stSKOL ⭐️ Our Discord at https://discord.com/invite/493z6mQXcN ⭐️ Tyler Forness can be read at A to Z Sports - https://atozsports.com/nfl/minnesota-vikings-news/ ⭐️ At Fans First Sports Network - https://www.ffsn.app/teams/minnesota-vikings/ ⭐️ On Facebook - https://www.facebook.com/vikings1standskol ⭐️ Watch the live show here: https://youtu.be/AOoH-tZ4aRM FAN WITH US!!! Tyler Forness @TheRealForno of Vikings 1st & SKOL @Vikings1stSKOL and A to Z Sports @AtoZSportsNFL, with Luke Braun of Locked On Vikings @lockedonvikings, and Dave Stefano @Luft_Krigare producing this Vikings 1st & SKOL production. Podcasts partnered with Fans First Sports Network @FansFirstSN! Learn more about your ad choices. Visit megaphone.fm/adchoices
Abandoned properties can be the source of your greatest real estate deals or your most expensive nightmares. Kris Krohn shares the secrets to finding these hidden gems and the hard lessons he learned from a century-old house that almost ruined his portfolio. Learn why "lipstick" renovations beat major overhauls and how to leverage local experts like mail carriers to find off-market opportunities before anyone else.
Joined by under-valued nepo-baby Mendle, Jassifer and Clover are assigned to clear out a real estate property (cough, dungeon). Thank you to our guest, Cassiroll! Check out Chosen Ones on Youtube for an incredible adventure with amazing art to match. The Halls of Gralk is an Oddjobs x Slowquest adventure! Thank you to Bodie H for letting us borrow his module for the show - check out more Slowquest adventures at slowquest.com. :) Check out our stellar network Lore Party, where you can find lots of other nerdy shows! Liisten to Noah DM a Dune campaign on Gom Jabbar! Finally, eternal thanks (and reminder to CLOCK OUT!) to our Elite Employee, Patrick Brandstätter.Produced by Lisa Condemi and Noah Perito. Music by Lisa Condemi and Noah Perito Sound Effects:“Book Sounds” - Allsounds/Audionauti“Klaxon Alarm Sound” - Lord Sandwich"Subway-door-close" - tweeterdj"elevator-ding" - collierhs-colinlib"mad-scientist-lab-loopable" - ramonmineiro"Witch Bolt" - Michaël Ghelfi"r29-30-breaking-wooden-poles" - craigsmith"robot-walking-demo" - kwahmah-02"fireball-whoosh" - robinhood76"vehicle-small_car_burnout_version-1" - scott_snailham"teleport" - outroelison"time-stop" - damnsatinist"time-slow-down" - patrickliberkind"portal-idle" - couchhero "bamf" - themfish"Forest Daytime" - Sword Coast Soundscapes"cowbells" - supersciri"auto-ext-onboard-drive-slow-speed-dirt-or-gravel-road-and-slow-to-stop" - kyles"car-door-open-and-close-2" - nachtmahrtv"sword-clash-and-slide" - Fun with Sound"Catacombs" - Sword Coast Soundscapes"Record Scratch" - Luffy"sword-fight-1" - funwithsound All sound effects from Freesound.org, unless listed under AllSounds/Audionauti, background sound effects, Free Audio Zone, Fun With Sound, Gaming Sound FX, Live Wallpaper Master, Lord Sandwich, Michaël Ghelfi, OmarSounds, Relaxing Recordings, Royalty Free FX, Sound Effect Database, Studiomod, Sword Coast Soundscapes, or Viral Vids NL. Additional sound effects by Noah Perito.
In this episode of the Note Closer Show, host Scott Carson sits down with real estate veteran Felipe Soares to dissect the realities of the 2026 fix-and-flip market. With over 18 years of experience and more than 400 rehabs under his belt, Soares provides a masterclass in transitioning from wholesaling to high-volume rehabbing without using your own capital.The Anatomy of a Successful FlipSoares emphasizes that while the business is simple, it is far from easy. He argues that the biggest mistake investors make is failing to truly dial in their After Repair Value (ARV). In a market where values can fluctuate by 10% or more, Soares suggests that if you cannot accurately predict the ARV, you shouldn't touch the deal. He also stresses the importance of the 78% rule; paying more than 78 cents on the dollar (including repairs and holding costs) often leads to negative returns for short-term projects.Efficiency is the name of the game in 2026. Soares reveals his "rule of thumb" for timelines: every $10,000 in scope requires two weeks of work. To maintain this pace, he operates his own licensed construction umbrella, managing four dedicated general contracting crews that work exclusively for him. By purchasing materials directly and leveraging "Pro" relationships at major retailers, he maximizes margins while earning millions of travel points to fund a first-class lifestyle.Key Topics Covered:The Power of Persistence: Soares shared how it took him 18 months to close his first $3,000 wholesale deal, proving that "putting in the reps" is the only way to reach $60 million in transactional volume.Precision Underwriting: Why the ARV is the ultimate "deal killer" and why investors must account for the 90-day FHA anti-flip seasoning rule when projecting exit timelines.Leveraging Technology: The use of AI tools like CubiCasa for instant floor plans and Richer Values for AI-driven appraisal data even in non-disclosure states like Texas.Relationship-Based Contracting: Why treating contractors "like family" and keeping them busy year-round is better than always chasing the lowest bid.High-Impact Aesthetics: Focusing budget on "Say Yes to the Dress" moments—specifically kitchens and master suites—using quartz counters, heated floors, and strategic lighting to trigger emotional buys.Felipe Soares' journey from an underage investor trying to sneak into networking events to a "Stud Muffin-aire" educator proves that success in real estate isn't about luck—it's about systems. By combining conservative underwriting with modern AI tools and a "boots on the ground" approach to project management, investors can navigate even the toughest market cycles. As Scott Carson notes, the only way to reach the top is to take these tactics and move into action.Watch the Original VIDEO HERE!Here is a list of websites and tools mentioned in this episode:CubiCasa: A free mobile app used to scan a house and generate a blueprint with actual measurements, CAD upgrades, and floor plans within minutes.Richer Values: An AI-powered tool that provides accurate After Repair Value (ARV) data and appraisal-level documentation, even in non-disclosure states like Texas.Real.Vision: A professional photography service used for high-end property marketing, providing interactive virtual tours, drone shots, and dedicated property mini-sites.Home Depot Pro & Managed Elite Account: Felipe leverages high-level "Pro" relationships and the "ProDesk" to get bulk discounts, special pricing on paint, and managed deliveries.Floor & Decor Pro: Used for interior design coordination and logistical management of flooring materials across multiple stores.REOLink: An LTE-based security camera system that runs on SIM cards and battery power, allowing for remote monitoring of job sites without Wi-Fi.Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!
This week the lads are pondering the benefits of taking on a bit of fixer upper when dating; the return on investment is tenfold, girls! They also discuss PJ's grooming habits, and Kevin sings “boots, that's my ego boost” approximately 704 times. Then for the theme, the boys are covering something near and dear to their hearts: the TV talent show. They reminisce on everything from Cher Lloyd's iconic Halloween cover of Stay, to Ireland's best talent show, You're A Star. They also make some pretty big claims, including that Girls Aloud's discography is better than the Spice Girls. Fight amongst yourselves in the comments, girlies. Purchase Happy Campers Tour Tickets here
Suzette and Tamasan join Tasha to discuss what needs a re-do in 2026? Did God intend for us to treat our bodies like fixer uppers? How do we serve God and others if we are spending all our energy fixing ourselves up?Show Notes:https://prestonwoodwomen.orghttps://accessmore.com/pd/Circle-of-Friends-Podcast-with-Point-of-Grace
Ryan and Ben talk about the 3rd party release roadmap, dig into what they’d like to see this year, and give some monsters a legendary fixer upper. Community Pages: Q1 Partnered Content Release Schedule; Taylor Navarro’s WotC announcement; Mystic Subclass Survey. Socials: Discord; Bluesky; Ryan's Bluesky; Ben's Bluesky
We had stand up comedian Kevin Banner on the show to talk about DIY Guys! How many books is enough to call a room a library? Should you work for your landlord? What the hell is up with Chip from Fixer Upper? Watch Kevin's special Heavy Favourite There is more Chris at https://www.patreon.com/notevenashow And for more Guys content, streams and SHOCKTOBER: a deep dive into shock jocks you can click patreon.com/guyspodcast, Join us on the Sunday Night Stream every Sunday night at 8:00 EST at twitch.tv/notevenashowand I am on https://bsky.app/profile/murderxbryan.bsky.social Guys is on Instagram! https://www.instagram.com/guys.pod Guys has a Post Office Box now! PO Box 10769 Columbus Ohio 43201 Here are the pics from the episode! Library? sex club looking room
Faux Fixer Upper: A Tik-Tok Couple's 5 Million Dollar FraudChristopher and Raquelle Judge were a seemingly glamorous North Texas Tik-Tok influencer couple who on August 11th 2025 were charged with turning dream homes into nightmares.Posing as expert home builders and renovators, the Judges swindled over 40 families out of nearly $5 million through a sophisticated wire fraud scheme, leaving behind half-finished houses, shattered trusts, and mountains of debt. From their TikTok-fueled facade of luxury living to the courtroom confessions that could land them decades behind bars, Jim breaks down the red flags, the victims' harrowing stories, and the federal investigation that brought their empire crumbling down.For commercial free early releases, bonus episodes and more! https://www.patreon.com/exposedpodcastfiles Links to Follow Crime Wire Weekly https://linktr.ee/crimewireweekly Become a supporter of this podcast: https://www.spreaker.com/podcast/exposed-scandalous-files-of-the-elite--6073723/support.
Ann visits with woodworker, podcast host, and feminist Clint Harp (Harp Design Co., Man Unmade Podcast, Former Fixer Upper Cast). We also get a new Act Locally Waco with Elizabeth Riley. Learn more about your ad choices. Visit megaphone.fm/adchoices
PJ joins in the excitement of The Late Late Toy Show with Patrick Kielty and a Ceoltas U12s from Cork performing tonight, finds out about the Cork woman whose petition ended up with RTE pulling out of the Eurovision, learns a bit of DIY from Corks Bungalow Bob. And more... Hosted on Acast. See acast.com/privacy for more information.
This week we talked with Kate about renovating her Georgian farmhouse. Better known on Instagram as Renovate like Kate. She talks us through her hands-on approach to home renovation from her early projects in London to her family's big move to Leicestershire. Get yourselves ready for plenty of practical advice and insights into balancing renovation with family life.Find Kate's project on instagram @renovatelikekateThis podcast is sponsored by PlykeaWeb: https://www.plykea.com/Insta: @plykeakitchens Try the HomeNotes App;Web: homenotes.coInsta: @wearehomenotes Check out our FREE webinars here >>
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Every generation makes its share of real estate mistakes. Boomers often overpay for upgrades they could easily add. Gen X gets stuck chasing the “perfect” down payment. Millennials keep waiting for a 2008-style crash that never comes. And Gen Z? They fall in love with fixer-uppers they can't actually fix. This episode breaks down those common traps, what they cost, and how to avoid them—plus shares insights from a recent discussion with Congressman William Timmons on the ongoing government shutdown and its potential impact on housing. As always, if you have any questions or comments (or, of course, need a realtor), feel free to reach out to Stan McCune directly by phone/text at (973) 479-1267 or by email at smccune@cdanjoyner.com
Jesse Walters shares how he built lasting wealth through persistence, local bank partnerships, and buy-and-hold investing while keeping family and balance at the center of his journey toward financial freedom.See full article: https://www.unitedstatesrealestateinvestor.com/building-unbelievable-financial-freedom-brick-by-brick-with-jesse-walters/(00:00) - Welcome to The REI Agent Podcast(00:03) - Introduction of Guest Jesse Walters(00:10) - Jesse Shares His Journey into Real Estate(01:17) - From Watching His Wife's Success to Starting His Own Path(02:40) - Their First Rental Property Experience(03:52) - Lessons Learned from the First Deal(04:26) - Discovering a Passion for Investing(05:04) - Getting Creative with Financing(05:33) - Diving Deep into Podcasts and Books(05:42) - Balancing Flips and Rentals(06:04) - The Power of Equity and Refinancing(06:16) - Using Equity to Scale the Portfolio(06:34) - The First Flip and Renovation Story(07:56) - Lessons from a Fourplex Investment(08:23) - Turning Old Properties into Cash Flow Machines(09:09) - Strategies for Renovating and Deciding to Sell or Hold(09:32) - Rental Grade vs. Flip Grade Renovations(12:00) - Financing Strategies and Local Banks(12:23) - Working with Small Local Banks(14:33) - Mattias Shares His Banking and Financing Experiences(17:20) - The Advantages of Local Lenders(17:39) - Building Trust and Track Record with Banks(17:59) - Defining the Buy Box for New Acquisitions(18:13) - Scaling to 10 Properties in a Year(20:06) - From 1800s Properties to New Construction(20:54) - Lessons in Portfolio Evolution(21:48) - The Reality of Fixer-Uppers and Future Growth(22:00) - Doing the Work Yourself vs. Hiring Out(23:00) - The Value of Hiring Professionals(24:25) - Managing Work-Life Integration with Family(26:24) - Finding Deals through Networking and Marketing(26:32) - Direct Mail and Social Media Leads(27:41) - Building a Brand That Attracts Deals(27:54) - Jesse's Advice for New Investors(30:06) - Mattias on Taking Action vs. Overanalyzing(31:22) - Facing Fear and Self-Doubt in Investing(31:57) - Book Recommendation: The Dealmaker by Henry Washington(33:28) - Lessons from Henry Washington(33:45) - Where to Follow Jesse Walters Online(34:09) - Closing Remarks and GratitudeContact Jesse Waltershttps://www.realtor.com/realestateagents/6284cfd74ebc6f15cfb4c462https://www.facebook.com/jesse.vale.walters/https://www.instagram.com/jesse.v.walters/https://camachocoffee.com/If today's story inspired you to take that first bold step toward freedom, remember that small actions build big futures. For more powerful stories like Jesse's, visit https://reiagent.com
What happens when a charismatic home renovator marries a budding design whiz? You get the billion-dollar powerhouse that is Chip and Joanna Gaines.The Gaines' TV show Fixer Upper became a cultural obsession, turning shiplap and farmhouse sinks into a lifestyle movement that swept America.When they walked away from that show at peak popularity, everyone thought they were crazy. Instead, they turned their business Magnolia into a thriving lifestyle brand, which includes a network, retail, restaurants, books, and a magazine. The Silos, their Waco headquarters, became an unlikely tourist destination, drawing millions.Chip and Joanna proved that faith, small-town values and authentic storytelling could compete with coastal glitz. And they did it all while raising five kids. You'll learn:What Chip and Joanna saw in each other—as business and life partners.How a miserable semester in New York sparked the idea for Joanna's first store.How the Gaines' almost went bankrupt after the 2008 housing crash—and refused to quit. Why walking away from their TV show turned out to be a brilliant move.Why faith is as important as luck.Why betting on your hometown can be a superpower.Time Stamps:3:30 Chip's failed dream of becoming a pro baseball player—and the unexpected path that followed.8:20 How running a laundry in college taught Chip the economics of entrepreneurship.14:35 Joanna's Korean-American childhood, identity struggles, and how a toxic newsroom internship changed the course of her life.24:10 The day Chip walked into her dad's tire shop—and never left.35:10 How Joanna's first $25 “sale” encouraged her to open the first Magnolia store.45:15 The housing crash that nearly ended their renovation business—and how they scraped their way back.55:15 The moment HGTV called—and why Chip thought it was a scam.1:09:10 How saying “no” to Fixer Upper opened the door to owning their own network—and their future. 1:13:09 The cultural backlash and the lessons that came with becoming America's most famous fixer-uppers.This episode was produced by Katherine Sypher with music composed by Ramtin Arablouei. It was edited by Neva Grant with research help from Chris Maccini. Our engineers were Patrick Murray and Kwesi Lee.Follow How I Built This:Instagram → @howibuiltthisX → @HowIBuiltThisFacebook → How I Built ThisFollow Guy Raz:Instagram → @guy.razYoutube → guy_razX → @guyrazSubstack → guyraz.substack.comWebsite → guyraz.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Welcome to Radio Rental, a mysterious video rental shop with a collection of VHS tapes with TRUE scary stories narrated by the people who experienced them... On today's tapes: >> Late Night at the Lab
Gabrielle lives in a haunted house. You think you've heard this one before. You would be wrong. Support this show on Patreon! LIVE SHOW NOVEMBER 2nd Tickets here! Follow us on Instagram and send us your story at youcanseemeinthedark@gmail.com or visit or website. artwork by @vonmuren all music from Universial Production Music
Fixer-uppers are one of the best ways to buy below market value in today's high-cost housing market. In this episode, we highlight the top cities for renovation opportunities based on a new Mad City study—covering affordability, market growth, and flipping potential. From St. Louis to Buffalo, find out where sweat equity still pays and how to choose the right market for your next investment. Learn more about your ad choices. Visit megaphone.fm/adchoices
This is a Grave Talks CLASSIC EPISODE! It was just another house. Or so Michelle McClane Woods thought when she and her husband purchased a fixer-upper in 2015. With dreams of turning the dated property into a warm, modern home, they began making changes—repairs, renovations, and fresh touches to give it new life. But as they worked, strange feelings began creeping in. It didn't take long before Michelle realized they weren't alone. The previous owner of the home—long since passed—seemed to still be there. And she wasn't exactly pleased with the young couple's vision for the property. From slamming doors to a heavy, oppressive atmosphere, it became clear that this spirit wasn't ready to give up her territory. Michelle began to sense that the ghost wanted things “her way”—the way they had always been, before anyone dared to alter the space she once called her own. Each change Michelle and her husband made seemed to stir up more unrest, as if the entity was fighting them every step of the way. Was this simply residual energy echoing through the walls? Or was it something more personal—a spirit still attached, unwilling to let go, and determined to keep the house exactly as she left it? This is more than a haunted house tale—it's a story about clashing wills, one of flesh and blood, the other from beyond the grave. #HauntedHouse #TrueGhostStories #RealHauntings #GhostPodcast #HauntedHome #RealGhostStories #Hauntings #TheGraveTalks #ParanormalStories #FixerUpperGoneWrong Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:
Queen, let's talk about the mindfuck breakup that's been keeping you stuck—the one with Mr. "Perfect on Paper" who left your soul starved despite checking every box society told you mattered. You know the type: well-dressed, well-traveled, well-paid, and wildly unavailable emotionally. This episode is your permission slip to finally name what you've been feeling and stop gaslighting yourself into believing something was wrong with you. It's time to get the closure you didn't get and claim the healing you absolutely deserve. Because when perfection masks a project, high-achieving Black women like you end up performing emotional triage instead of experiencing real partnership—and that ends today. What You'll Learn • Discover why your nervous system was screaming "something's off" even when everyone else thought you hit the jackpot. • Reclaim your reality by learning to identify "high presentation, low intimacy" men who look like prizes but function like emotional projects • Transform the cognitive dissonance that keeps you ruminating by naming the real problem: you weren't dating a high-value man, you were managing an undercover emotional fixer-upper. • Shift from self-blame to self-empowerment. • Notice how societal programming taught you to override your instincts and perform "low maintenance" just to keep the peace. • Repair what got damaged in the process: your trust in yourself, your joy, your hope, and your ability to love without shrinking. This isn't just about one relationship—it's about breaking the cycle of self-abandonment that keeps high-achieving Black women trapped in situations that look good on paper but leave us emotionally starved. When you've been conditioned to prove your worthiness of love, your nervous system starts mistaking anxiety for attraction. Take Action Take my free quiz to discover how your nervous system and survival patterns may be blocking your clarity:
Are fixer-uppers really the best way to profit in real estate, or are there smarter strategies? With over 4,000 single-family homes under his belt, Kris Krohn shares firsthand experience on whether renovating properties is worth the effort. Learn when fixer-uppers can pay off, when they're a trap, and what alternatives might deliver bigger returns. A must-listen for anyone considering real estate investing strategies.
Halle deals with the fallout surrounding Chip and Joanna Gaines while Gray talks about "Rodeo and Juliet."
In this week's conversation between Dr. James Emery White and co-host Alexis Drye, they discuss the recent controversy surrounding former HGTV stars Chip and Joanna Gaines who rose to fame from their home renovation show called Fixer Upper, which aired back in 2013. In 2019, they announced their departure from HGTV and the launch of a new network called the Magnolia Network, which finally debuted in 2022. But just last month, many of their fans turned on them after they featured a same-sex couple on their show, Back to the Frontier. Same-sex couples on TV shows are hardly uncommon nowadays, so why have the Gaines received so much backlash and from whom? Episode Links Christie D'Zurilla wrote an article in the Los Angeles Times titled, “Chip and Joanna Gaines' new show features a same-sex married couple. Some Christians are ‘disappointed.'” If you're interested in reading the full article you can find it HERE. Some people who question the Christian community's response to their decision are seemingly misunderstanding the difference between acceptance and affirmation, between making a value judgment and being judgmental. Dr. White gave a series at Mecklenburg Community Church that might be helpful to listen to. It's called “Unchristian,” and its installments are a response to people who say that Christians are judgmental, hypocritical and homophobic. You can find that series HERE. There are two additional series that we think would be helpful for a deeper look at what the Bible has to say about judgmentalism, the true meaning of grace, and the significance of Jesus bringing both grace AND truth to bear on people's lives. Those series are “Judged” and “Getting Grace Right,” both available in .mp3 or .pdf formats at Church & Culture. Finally, there were two authors Dr. White mentioned during today's discussion. The first was John Stott and his book Sermon on the Mount, which includes an exploration of what true judgmentalism is like, and how it can lead to setting yourself up as God. And the second was Dr. Henry Cloud and his book Changes That Heal for more of the discussion on grace and truth. For those of you who are new to Church & Culture, we'd love to invite you to subscribe (for free of course) to the twice-weekly Church & Culture blog and check out the Daily Headline News - a collection of headlines from around the globe each weekday. We'd also love to hear from you if there is a topic that you'd like to see discussed on the Church & Culture Podcast in an upcoming episode. You can find the form to submit your questions at the bottom of the podcast page HERE.
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this episode of the Real Estate Pro Show, host Erika interviews Yvette Evans, a successful real estate investor who shares her journey from buying her first property in 2013 to building a portfolio of rental properties. Yvette discusses her evolving strategies in real estate, the challenges she has faced, and the importance of networking and building relationships in the industry. She emphasizes the need for resilience in the face of unexpected issues and shares her vision for affordable housing in Philadelphia. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Fixer-uppers are one of the best ways to buy below market value in today's high-cost housing market. In this episode, we highlight the top cities for renovation opportunities based on a new Mad City study—covering affordability, market growth, and flipping potential. From St. Louis to Buffalo, find out where sweat equity still pays and how to choose the right market for your next investment. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today in Current Events from a Christian Perspective:Chip and Joanna Gaines, the Fixer Upper couple, famous for helping those that need their home remodeled, have long been an ideal Christian couple with great values, wonderful children, a farm, a market and on and on. They seemed like the conservative role model we all needed. Yet, they have just released a show featuring two men who are 'married' and have acquired two children for themselves. With this as a backdrop, the new show was featured as great family entertainment. But is it?.---At Church Public we create compelling content to equip you to follow Jesus and engage in the public square including Current Events from a Christian Perspective.Thanks for watching! Thanks for listening!Support the Channel on Substackhttps://substack.com/@churchpublicListen on Apple Podcastshttps://podcasts.apple.com/us/podcast/church-public/id1520119356Listen on Spotifyhttps://open.spotify.com/show/3cWx1g4WfSOVs8MX05cSvH?si=8ajf5wFVSjakXiYS7HkmhgListen on GooglePodcastshttps://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xMTc2MjU0LnJzcw?sa=X&ved=0CAYQrrcFahcKEwiI_4eugrbwAhUAAAAAHQAAAAAQAgFind Me:www.churchpublic.comFacebook: https://www.facebook.com/ChurchPublic/Twitter: https://twitter.com/churchpublicInstagram: https://www.instagram.com/churchpublic/Support:on PAYPALwww.churchpublic.com/supportToday is a great day to start your own podcast. Whether you're looking for a new marketing channel, have a message you want to share with the world, or just think it would be fun to have your own talk show...podcasting is an easy, inexpensive, and fun way to expand your reach online.Following the link in the show notes let's Buzzsprout know we sent you, gets you a $20 Amazon gift card if you sign up for a paid plan, and helps support our show.https://www.buzzsprout.com/?referrer_id=1132064Support the show
It's Monday, July 21st, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus Nigerian Muslims slaughtered 27 Christians including 3-year-old girl At 3:00 a.m. on July 15th, the Christian village of Bindi near Jos in the Plateau State in Nigeria, was plunged into a nightmare. Twenty-seven Christians were slaughtered, including a 3-year-old girl and nine members of Pastor Davou Musa's family, burned alive in their home, reports TruthNigeria.com. These attacks are not isolated incidents. They are part of a coordinated, radical Islamic campaign carried out by Fulani terrorists, with a mission to eradicate Christians from Nigeria and establish a Muslim caliphate. The perpetrators shouted “Allahu Akbar” as they hacked, shot, and burned families alive. One pastor shed light on what that Arabic phrase means. PASTOR: “Allah Akbar. Some will translate that as ‘God is great.' ‘ Perhaps a better translation of that Arabic phrase is, ‘Our God is greater.' This is a declaration that the demon and demons working through these people consider themselves to be greater than Jesus Christ, the God of Abraham Isaac and Jacob. “Ephesians 6:[12] says that our war is not just ‘against flesh and blood, but powers, principalities and spirits.' Practically, what this means is, when you see conflict in the seen realm, there is far greater conflict in the unseen realm. And when you hear, ‘Our God is greater,' that is a declaration of spiritual warfare from a demon against Jesus Christ, the God of Abraham Isaac and Jacob.” And where was the military? Just two miles away, but they arrived two hours late, a disturbing pattern of complicity that Christians have endured over and over again. Equipping The Persecuted is mobilizing immediately to assist survivors, providing emergency aid, trauma care, food, and security. But they urgently need your help. They are the only organization on the ground whose mission is to stop the persecution, not just clean up after it. This is not just a humanitarian crisis. It is genocide. And the world is ignoring it. Make a donation to Equipping the Persecuted through a special link in our transcript today at www.TheWorldview.com. Huckabee rebukes attackers of Christian church in Palestinian town U.S. Ambassador to Israel Mike Huckabee condemned recent attacks on a Christian village and its historic church in the West Bank, calling them “a crime against humanity and God,” reports The Christian Post. His statement came after visiting the site of the arson and ongoing harassment. Huckabee travelled Saturday to Taybeh, a Christian Palestinian town that residents say has endured a wave of assaults by Israeli settlers in recent weeks, according to The Times of Israel. The attacks include a fire set near the ruins of the Church of St. George, which church leaders described as among the most severe incidents to date. Huckabee, a longtime Evangelical supporter of Israel, said during his visit that the desecration of religious sites represented “an act of terror” and that such actions should carry “harsh consequences.” Trump diagnosed with chronic venous insufficiency after leg swelling Last Thursday, White House Press Secretary Karoline Leavitt gave the press an update on President Donald Trump's health. She told reporters that he has experienced mild swelling in his lower legs, according to a memo from Dr. Sean Barbarella, the physician to the president. LEAVITT: “The president underwent a comprehensive examination, including diagnostic vascular studies. Bilateral lower extremity veinous doppler ultrasounds were performed and revealed chronic venous insufficiency, a benign, common condition, particularly in individuals over the age of 70.” Leavitt also talked about photos showing some minor bruising on the back of the President's hand. She explained the bruising is a minor soft tissue irritation from frequent handshaking and the use of aspirin, reports CBN News. Intercessors for America featured this prayer. Pray with me now, if you would. “Father, we lift President Trump before You. We ask You would heal him and strengthen his body as he continues to serve our great nation. Amen.” Why Republicans defunded NPR and PBS The U.S. Congress voted to defund the Public Broadcasting Corporation by $1.1 billion, reports The Epoch Times. Republican Congressman Brandon Gill of Texas spoke from the floor of the House. GILL: “Tonight is the culmination of months of work from House Republicans to defund left wing state sponsored media outlets like NPR. “During that process, we got to bring in leadership from these outlets, like the CEO of NPR, Katherine Maher to testify before the House Oversight Committee she's written extensively about every single major woke buzz word that you could think of, including, ‘the ravages of late stage capitalism,' ‘structural privilege,' her own ‘cis white mobility privilege.' Most Americans, including myself, didn't know what that meant until reading this. “She's written about how ‘I do wish Hillary, [meaning Hillary Clinton], wouldn't use the language of ‘boy and girl.' It's erasing language for non-binary people. “This is the person running the outlet the other side of the aisle wants our tax dollars to subsidize non-partisan news outlets are not run by lunatics like this. Republicans are done using the power that voters give us to fund Democrat media machines. We're playing to win now.” Chip and Joanna Gaines promote homosexuality on new TV show And finally, Christians across America are objecting to the moral compromise of self-proclaimed Christians Chip and Joanna Gaines known for their home renovation show Fixer Upper and the Magnolia Network, reports the New York Post. As producers of a new reality show “Back to the Frontier” which premiered on July 10th, they sparked backlash for casting a homosexual male couple. A source close to Chip and Joanna – who cast a faux-married couple Jason Hanna and Joe Riggs and their 10-year-old twin sons through surrogacy – says they have long affirmed perversion. Conservative Christian leaders like Reverend Franklin Graham and podcaster Allie Beth Stuckey both slammed their decision, with Graham calling the casting “very disappointing.” Graham was clear in his stance, writing: “His Word is absolute truth. God loves us, and His design for marriage is between one man and one woman.” This prompted Chip to pour gasoline on the controversy by tweeting: “The way of ‘modern American Christian culture' is ‘Judge 1st, understand later/never.' ” Christian author Matt Walsh replied, “Maybe you should endeavor to understand the basic moral teachings of your own alleged religion before you give lectures to other people about their lack of understanding.” And Robby Starbuck, another Christian influencer, said, “Promoting this show means cash is greater than Christianity. When you reduce it to that simple truth, it's eye opening. I hope you correct course Chip. ‘For what profit is it to a man if he gains the whole world, and loses his own soul? Or what will a man give in exchange for his soul?'” (Matthew 16:26) The TV couple – parents to five children ranging between 20 and seven in age – are active members of the traditionally conservative Antioch Community Church of Waco, Texas. On its website, the church proclaims, “God commissions each of us to go into our spheres of influence and represent Jesus so that His Kingdom would come and His will would be done.” Close And that's The Worldview on this Monday, July 21st, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.
Johnnyswim, the duo Amanda Sudano and Abner Ramirez, have been releasing records since 2008, have played The Tonight Show (Leno edition), and the Late Late Show, NPR's Tiny Desk and All Things Considered, their song is the theme to Fixer Upper on HGTV, they've had two TV series chronicling their life (Home on the Road, and The Johnnyswim Show, both on Magnolia Network), they've written and published a book titled "Home Sweet Road: Finding Love, Making Music, and Building a Life One City at a Time", and are currently working on a new creative outlet that we discuss here. We talk with Amanda and Abner about staying curious in our pursuits, creating space for wonder and childlike-ness, how to rejuvenate yourself and your creativity on the run, the blinders of fixation, and a whole lot more.Get more access and support this show by subscribing to our Patreon, right here.Links:Johnnyswim“Home Sweet Road”Home on the RoadThe Johnnyswim ShowThe StaircaseBritten NewbillEp 73 - Edwin McCainRickey MinorDonna SummerClick here to watch this conversation on YouTube.Social Media:The Other 22 Hours InstagramThe Other 22 Hours TikTokMichaela Anne InstagramAaron Shafer-Haiss InstagramAll music written, performed, and produced by Aaron Shafer-Haiss. Become a subscribing member on our Patreon to gain more inside access including exclusive content, workshops, the chance to have your questions answered by our upcoming guests, and more.
Joanna Gaines is the co-founder and designer behind the iconic Magnolia brand. She and her husband Chip made a name for themselves flipping homes in Waco, Texas and gained popularity thanks to their HGTV shows and own network. Gaines opened up to Hoda about imposter syndrome, being a working mom, and how she stays connected with her husband through it all.
What happens when you blend DIY passion with real estate expertise? You get Brittany Norman. In this episode, we chat with Brittany—a Realtor, investor, DIY queen, and mom of three—who has built a fascinating career out of renovating, blogging, managing a short-term rental, and now helping buyers and sellers in Florida. Brittany pulls back the curtain on what it's really like to live in a flip, how to manage your own Airbnb (while also being a real estate agent), and the behind-the-scenes of brand partnerships and blogging. We talk about everything from flooded homes and staging tricks to managing construction chaos and prepping a house for guests—with a few chicken bones and soot-covered ceilings thrown in for good measure. Whether you're thinking about buying an investment property, managing your own short-term rental, or just love a good before-and-after project, this episode is for you! We chat with Brittany about: Her journey from Etsy shop owner to licensed Realtor How living in renovation zones shaped her investing strategy The emotional side of selling a home you've poured yourself into Real talk about Airbnb—costs, communication, and cleaning The mistake she'll never make again with kitchen cabinets When DIY is worth it… and when it's time to hire help How she turned brand partnerships into real income Offering value as a Realtor through staging consultations
Steve describes the problems and fixes for masonry chimneys. Alex thinks his ridge vent is mistakenly blocked. Jordan and Katherine ask about buying fixer-uppers. Kerry wonders if he should flash a deck ledger with a drainage space. Brain and Ian help Patrick answer listener questions about vapor retarders under ridge vents, potential profits and pitfalls from fixer-uppers, and best practice for flashing ledgers spaced from the wall for drainage. Tune in to Episode 688 of the Fine Homebuilding Podcast to learn more about: Should there be a vapor- or air-control material under ridge vents Buying a new home far from your current home Do you need flashing when deck ledgers have drainage spaces Have a question or topic you want us to talk about on the show? Email us at fhbpodcast@taunton.com. ➡️ Check Out the Full Show Notes: FHB Podcast 688 ➡️ Sign up for an All Access Membership or the 2024 Fine Homebuilding Archive ➡️ Follow Fine Homebuilding on Social Media: Instagram • Facebook • TikTok • Pinterest • YouTube ⭐⭐⭐⭐⭐ If you enjoy the show, please subscribe and rate us on iTunes, Spotify, YouTube Music, or wherever you prefer to listen.
Join Nick Lamagna on The A Game Podcast with our guest Brandon Lindsey, an entrepreneur. real estate developer, investor, construction and development blackbelt implementer and educator fighting out of Richmond Virginia. At a time in our market with uncertainty, tariffs, supply chain issues, It is more important than ever to get systems and processes in place to limit our risk, maximize efficiency and provide real time education on what is happening today in construction for real estate renovators Nationwide! Who better to bring that info to us then the founder of "The Rehabbers Playbook," on a mission to provide tools, training and community to rehab and build houses on the highest level providing home renovation tips for real estate investors relevant to the current state of the market. Topics for this episode include: ✅ How to make contractors see you as a legit investor ✅ The process of managing a construction site ✅ The most common mistakes in renovating houses ✅ The risks and rewards investing in new construction ✅ What insurance do real estate investors need + More See the show notes to connect with all things Brandon! Connect with Brandon: Brandon Lindsey on Instagram Brandon Lindsey on Facebook Brandon Lindsey on LinkedIn Connect with The Rehabbers Playbook: The Rehabbers Playbook The Rehabbers Playbook on Youtube The Rehabbers Playbook on Facebook --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers
Dear Steve and Shirley, I met my boyfriend at the car dealership. I was there for an oil change and he greeted me. There was a long wait time so during that time I enjoyed talking to the man... Listen for the rest of the letter and Steve and Shirley's response!See omnystudio.com/listener for privacy information.