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Haley Moss is a neurodiversity expert, public speaker and author of four books that guide neurodivergent individuals through professional and personal challenges. We talk about Haley's latest book, "The Young Autistic Adult's Independence Handbook,” which shares the “unwritten rules” of adulthood and life advice for autistic young adults. Haley also talks about her own experience as an autistic child and adult: How she learned she is autistic at the age of 9, and gave her first public talk about autism at age 13 Her career journey to become the first openly autistic lawyer in Florida Why interdependence and asking for help are important parts of young adulthood The power of being an advocate in your local community Find out more about Haley and her work on HaleyMoss.com, Facebook, Twitter, and Instagram. Special offers for Beyond 6 Seconds listeners: Enter to win a copy of Haley's latest book! (U.S. listeners only) Check out the June 14, 2022 Instagram post at @beyond6seconds to learn how you can enter to win a free copy of “The Young Autistic Adult's Independence Handbook” if you're in the U.S. Save 20% off the purchase price of two of Haley's books from Jessica Kingsley Publishers: “The Young Autistic Adult's Independence Handbook” and/or “A Freshman Survival Guide For College Students With Autism Spectrum Disorders.” Go to jkp.com, add one or both of these books to your cart, and enter the discount code Moss20 at checkout to get 20% off those books. This discount code is valid on jkp.com until July 15th, 2022 and can be used in the U.S. or U.K. only. Watch the video of this interview on YouTube! Subscribe to the FREE Beyond 6 Seconds newsletter for early access to new episodes! Click here for the episode transcript. *Disclaimer: The views, guidance, opinions, and thoughts expressed in Beyond 6 Seconds episodes are solely mine and/or those of my guests, and do not necessarily represent those of my employer or other organizations.*

Sats and Noah discussed the Leafs after their back-to-back in Florida: - Why we're not mad - Marner and Matthews going full Globetrotters - Kallgren's injury, and Campbell's play - Muzzin's return, and the future of the D - much more! --- Support this podcast: https://anchor.fm/budsallday/support

If you're tired of living in the world we're in, you're about to meet one person that has found a simple solution to changing the trajectory of life and business by simply getting back to the basics.   Jonathan Fodera is co-founder of Integrated Business Financing which helps thousands of business-owners do everything from building business credit, providing credit card processing services, to securing various types of business financing to solve real-time needs for the modern entrepreneur. He's also a savvy Real Estate investor and has become a beast in streamlining his time, allowing him to invest in franchises and other passive income investments that will feed his family for generations.  Today, Jeff and Jonathan talk about recreating a new life by making simple moves, living below your means, starting what you finish before you start another venture, and various types of business financing available.  Jonathan shares a very simple process that will help get the whole country and life as we know it back on track. He speaks candidly about getting back to the basics of living life well but doing so with common sense. Jeff and Jonathan also chop it up a bit about their mutual love for hockey and the powerful impact of being surrounded only by the very best people in any room you walk in.    What You'll Learn:   Where Jonathan worked and what he did at night while he was attending college.  Parting words of wisdom from his uncle that encouraged him to work his ass off Jonathan's first job on Wall Street and why only 2 people were left out of 80 at his firm after an 8-month period Why business partnerships aren't for everyone How Jonathan views every single company he invests in What Jonathan does with money when it's sitting in his account His experience of living life in his native New York compared to Florida Why you should sell all your stuff before you move How being in the right room with the right people will help you operate at a higher level  What to do when you make mistakes in business and how to leverage them to your benefit A powerful mission that has refocused the way Jonathan is going to live his life moving forward And much more!    FAVORITE QUOTES: “Busy is not a f#cking badge of honor.”  “I think sometimes people think they can consume all the information but not do anything to implement it.” -Jonathan Fodera   Connect with Jonathan: Facebook Instagram Integrated Business Financing     How to Get Involved: Addicted to Winning connects listeners through stories that prove why mindset matters. Jeff Brekken was working a 60-hour week on his family's farm by the time he was 10. When he wasn't helping with the harvest, he was at the hockey rink. Jeff's early life experiences taught him he needs to be either all-in or all-out.  In 2000 he started a single-family home construction business and by 2008 he was looking for his next big thing. Jeff founded the Blue Sky Benefit Solutions & Rise Above HR/Recruiting on top of a lifelong passion for helping people. Through this show, Jeff will take that passion one step further. If you enjoyed this episode, head over and visit us on Apple Podcasts - leave a review and let us know what you thought! Your feedback keeps us going. Thanks for helping.    

THE HENNY BOYS ARE BACK GETTING RIPPED WITH YALL! THIS WEEK THEY DISCUSS THE NETFLIX SERIES "YOU", THE KNICKS, 2021 CITY & STATE ELECTIONS, & MUCH MORE!!03:10 - Los starts binging “You”08:10 - The Knicks are back / Knicks fans can't contain their excitement15:25 - NYC workers against vaccine mandates19:25 - Democrats getting in the way of themselves22:40 - Eric Adams win NYC Mayoral race29:35 - Brian Laundrie's remains found in Florida / Why do we enjoy true crime?36:00 - *Henny starts hitting* wild sex talk ensues 49:25 - Been Around the World - - 100 Year old Nazi guard goes on trial- Diego Maradona accused of sex traffickingFOLLOW US ON IG@henny_the_pod@jonny_crillz@cee_loso_LIKE & SUBSCRIBE ON YOUTUBEhttps://www.youtube.com/channel/UC_VwHmKX7I8lTsjUaeUB9pACHECK OUT OUR MERCHhennythepod.com

Owen helps his brother move Moving Etiquette The chicks “don’t let me die on Florida”Why don’t you ever see lizards at night in fla? Mike B's New Job Hornets nest on Owen's car. Friends fucking sucks Vs Snickers v Milky Way M&ms vs skittles Twix v Kit Kat    Back Live Next Week at twitch.tv/onrslive Ohnoradioshow.com   Find us on FB Jabroni -ONRS -EABOD -FYD                                      

James: Hey audience and listeners, this is James Kandasamy from Achieve Wealth Through Value Add Real Estate Investing Podcast. Today I have Rama Krishna from California. Rama has been focusing a lot on apartment purchases which is averaging around 30 to 40 a units and at the largest you have done were 59 units. So it's going to be very interesting especially for a lot of people who are trying to get into the game and also looking for like high cash flow as well, you're going to go detail on why sometimes the smaller deals makes a lot more money than larger deals. So hey Rama, welcome to the show.  Rama: Thank you James. Thank you for having me.  James: And one of the things that we want to talk about apart from going into Rama's strategies and businesses, we want to go into what asset manager can do during these Covid19 crisis that has been happening right now. Hopefully I can publish this podcast as soon as possible. But I'm sure it's going to be very relevant because it's going to take a few months for this crisis to subside I guess, it may take a few more quarters to fully subside. So Rama, did I miss out anything on your credentials?  Rama: No, not much I think. So just to kind of re-summarize, I am based out of California in the corporate Bay area of San Francisco, an IT professional. So just to recap like 90 seconds. I started like from real estate two years back started from single family homes and I always want to actually to do Real Estate but the problem is in Bay Area, really hot market. I cannot get any cash flow. It's kind of very hard to find deals and I didn't want to do out of state because I have a very stressful IT job here. I cannot travel out of state to do these things. I was postponing doing real estate for so long time, but three years back kind of pull the trigger, bought my two single family homes, one in Raleigh and Atlanta, that's where it started and quickly realized that I cannot scale with single family homes and got into multifamily, bought eight apartment complexes between 20 to 80 units. That's a more like a sweet spot for me. Like doing the deals. We can go further into that. One thing, we started, we didn't talk before is that construction projects, two new construction projects, 97 and 92 units in Raleigh, Durham, North Carolina. So they are like devalue adds, value adds and the new construction mostly into that existing apartments and new developments.  James: Got it. That's very interesting. I think we should just definitely talk about you and maybe do a separate podcast for the Covid19 asset management because there's so much of information that I want to get from you and I think the Covid19 thing is also very important. So that's going to be another podcast maybe before or after this. So let's go into details; the market that you have been focusing on that, I know we talk offline before this is Florida, Kansas City and Ohio, and you are sitting in California. At what point of your work, you are very stressful IT guy. I mean, I was a stressful IT guy too. What was that aha moment saying that hey, I better go buy something else or did you play around with stocks and realize stocks is not for you? So what was that aha moment that said that you need to go and focus on buying a multifamily apartments?  Rama: So I did two businesses, IT businesses, products and the consulting business. I did stocks, options and everything. It was a lot of active businesses, I need to be there, and I am really active, let’s say if somebody can start restaurants, like franchises, you need to be there in that actively. So you are there to be part of the business, then you cannot succeed in that. Even IT businesses or consulting or product development, everything is active here. Even where a lot of people have a lot of money from IT as freelancing or like full time jobs, but the problem is if they stop going Monday morning they cannot make money. That's the main part for me to getting into the Real Estate and then I bought these single family homes, I'm getting like $200, $300 for each single family home as a cash flow. But then I wanted to scale it, but at the same time I thought I cannot scale it. The problem with apartments at the time for me personally living in Bay area, these apartment complexes are so expensive. These are like 20, 30, 40, $50 million. I didn't even know that we can buy a apartment complexes. The two things, kind of the aha moment for me is we can buy apartments as a common man with syndication. Syndication is another thing. I was buying single family homes myself and I know a lot of my friends actually buying single family homes out of state. They buy in Texas, North California; they buy everywhere all the single family homes. But if you combined 10, 20, 30 people combined, we can actually buy larger complexes, larger commercial properties. That was a [05:17unclear] the syndication itself was an aha moment for me.  James: Was that from someone talking to you or from bigger pockets or you're talking about syndication or what happened? How did you find it out? Rama: I learned about this syndication with a webinar from Neil Baba, you know Neil? He was having this weekly or acting monthly multifamily fundamentals webinar. So two years back in November 2017, I had this is a webinar from him and the moment that I did the webinar, I first reached out to him Neil, I want to meet you, this is really good, this is crazy. Then met in a Starbucks in Fremont and I told him after this Neil I want to learn this thing. This is exactly what I wanted to do and he said there's a boot camp coming up. He would come in February and I said I'm going to sign up on that. That's when it kind of started, kind of working from single families to multi families.  James: Got it. What were the few key things in that discussion with Neil that you have was like, wow, this is suitable for me. What was your personal thing that you think that oh, this is very interesting for me. What are the aspects of syndication that was very attractive to you that you think [06:40unclear]. Rama: Three things, Oral apartments is a kind of a scale in the single family home model that what I'm thinking. I know the real estate passive income, but then I cannot buy a hundred, 200, 300 single family homes. The first thing is scale. The second thing is run as a business, like I did my IT businesses before. So apartments is also a business, you need to increase your income, decrease your expenses, and then efficiently run your operations. Make sure that you know everything like people management and you talk to your property managers and investors and your brokers and seeing like identifying this analysis, everything. Run it as a business. Third thing aspect is a syndication model itself. I have like hundreds of friends here and other acquaintances, old colleagues, a lot of people are high net worth individuals. If I can prove myself in this business, I can definitely syndicate and raise capital. So those are the three main aspects for me that kind of struck the card when was talking to him and also the fundamental thing, hey we can buy larger complexes like this. Like I was not even imagining the common man can buy apartments. Those are the three main aspects.  James: Got it. So now you're sitting in California, after you talk to Neil you come out and you already go to his boot camp. Why you went from California to Florida, Kansas City and Ohio? Which deal did you buy for us? Which state was that?  Rama: For my multifamily?  James: Yeah. Multifamily.  Rama: The first five deals, I bought it in Jacksonville, Florida.  James: Okay. Why Jacksonville, Florida? Why not Las Vegas or Utah or Texas? Or is it just that you landed there by luck? Rama: So I want to actually buy a multifamily in Raleigh, Durham and Atlanta because that's where I started. When I started researching about markets for my single family homes, with all the research I did, I picked these two markets, Raleigh and Durham.  James: Okay. What are the things you saw in Raleigh, Durham and Atlanta that were like awesome [08:49unclear].  Rama: Some of it I think was I'm reading all the articles and reading all the articles and everything with the technology stuff happening also there and jobs moving in, I didn't actually connect the dots at the time, When I did the boot camp from Neil then I was able to connect the dots and say hey, these are good markets. Then I was started offering on deals in North Carolina and Atlanta. Like none of them were pencilling out, like what is this? Even two, three years back it's not working out. I can't imagine now, maybe like with Corona, it's never kind of worked out for me because I never purchased in the last three years. When I started multifamily again I started looking into these two markets, Raleigh, Durham and Atlanta. I was offering ton of properties. I visited brokers’ network. Either the deals are like C minus, really bad locations or bad tenant profile. The income is bad, which numbers are working on but the thing is I don't know how to do the deals there or it's too expensive where it just didn't work out for me.  The vision for Jacksonville is when I was trying to expand markets from single family homes, I was looking at Austin and somehow actually got into Jacksonville because of the property manager or the property manager was actually offering, they do turnkey single families home as well. So I was talking to them doing due diligence, everything with them and making sure what kind of deal on single family homes that they can help me on, on rehabbing and the stuff. Then I suddenly like after talking to Neil, I said, guys, I'm not interested in single families. No, we have deals, this is like 60k and we have this 140k [10:39unclear] but they said okay we'll help you in multifamily as well. Let me know if you find any deals. We'll help you manage. That's when Jacksonville started and then they also kind of helped you and due diligence and everything. Then we'll look at a few deals together and we bought this 20 unit deal and that was on market actually, but it's the heavy lifting stuff like the roofs are bad, two, three units are down; it's really heavy lifting. I thought, okay, let me just get into it. The twenty unit is most like a cost of a one condo here. James: Looks so cheap when you look at California?    Rama: You know what I'm going to lose here, let me try it out but we made really good money on that. So definitely that's the good, I got the money from my friends and family first, not as syndication. It's more like a joint venture. A lot of my small multifamily is a joint venture. We can go into details how we've structured those. So that was very good deal. Look back right now. We did that and then quickly since I liked the market, I kind of learned about Jacksonville more. The more I know it's like a really hot market, then the found more deals in the end of that eight months to nine months and then they all are smaller, 20, 30, 12, 32 to 59. James: Syndication. I mean syndication; you can put larger money and buy a hundred plus unit or like some gurus say by start with a hundred plus. Why did you start with 20 and 30? And what is the driving motivation for that?  Rama: Neil actually encourages to start with small, he never said go more than a hundred units, but I'm part of a team of multifamily Mark Kinney. He suggest only a hundred plus units because of several reasons because you're putting effort on a 20 unit, it's the same as 200 units, go hundred plus. I totally believe it from a mentorship perspective, he's different. I did that because when I did my eight LLC taxes for last year and all the administrative work that goes behind these things. I would totally agree with Mark and also any other gurus out there that say go hundred plus units. I totally agree on that from effort standpoint. But there is money to be made in this 4,200 unit space as well. And a lot of people ignore it. There is definitely a possibility that you can put your operations hat there and your creative hat there to see how you can profit from it. You also know from the investor perspective as well.  James: Yeah correct. I started with the 45 units and I really love it just because you really learn a lot from smaller deals and you don't have to go much bigger deal and you forget, you cannot be like skipping elementary school and middle school and try to go direct to high school. I mean you can do it once in a while or when the market's so good but the fundamentals of real estate is really learned on the smaller deals, even with single family. You start with single family and you move to the smaller deals.  Rama: There are pros and cons. For example, the pros are you don't need to have payroll. The con is also the same thing. You don't have a staff and then your property manager may be sitting in some downtown office somewhere. They don't know what's happening at the 20 units or forty units. So you need to have very kind of a good property manager, even for a hundred plus units also you need a good property manager, but at least you have staff. If you can talk to them, hey, what's going on? Because the regional might not be at the site all the time. The regional might be like going once in a month, once in 10 days, whatever. But you have a staff day you can talk to, hey, what's going on leasing, what are the foot traffic? What are other strategies that you have always or do you have going on these units? Have you did the make ready? All of these things. There is a long [14:38unclear] clean you can talk to someone. But if there is a 59 unit somewhere in the west side of Jacksonville and my property managers sitting on downtown, they don't even know the pool guy's coming, they don't know that the lawn is not cut for the last two months. So there is good and bad, especially if you're doing out of state property manager, no asset management. That would be more difficult. But there are ways to mitigate that. Have a local partner in your deal that is onsite, on the ground goes once in a week or so.  James: Did you have a local partner there? Rama: One in Jacksonville but not in Kansas City and [15:2unclear] but now Jacksonville, I have changed my property managers, she's really hands on and she actually sits in one of our office. Jacksonville Unit has an office actually. So she's really good and now I can think of acquiring more properties in Jackson, I was thinking not be acquired more. But if you have really good property manager who is hands and kind of trustworthy, then you can definitely; these are really cash cows.  James: Yeah. I mean the people play the most important aspect in property management. It's a people business. So once you find a really good people, you are motivated. Rama: You are local or have a partner locally in the 40 to 80 unit game and it's definitely worthwhile to [16:08unclear]. James: Because it's not many people look at that space. I mean, the market was so hot right before, pre-Corona, I would say. Now we have to talk about pre-Corona and post-Corona.  Pre-Corona is so much of capital looking for deal and everybody just buy the bigger deals. Rama: Yeah, I do buy the deals in the three bands, James like 40 to 80, 80 to 160 and 160 above. 40 to 80 is where I do kind of deals with mostly JBS and then also syndicate patients deal where you don't need an onsite staff, we can operationalize and make sure that let's say if you have multiple 40 to 80 deals in the same market, you can actually have some scale within that. Have a maintenance person who I only see for properties. So 80 to 160 units where our focus primarily from a syndication perspective when we can have staff. 160 plus is an institutional level where the different companies move there, which I'm not going right now. But I would love to go 160 plus.  James: 160 plus, okay. I think that still does not answer [17:16unclear]. Rama: [17:17unclear] but at least you have a different set up [17:20unclear] James: Different level of people. Yeah, professional investors I would say maybe. That's good. Yeah. I mean so how did you structure this JB on the smaller side? Because you really don't have to do syndication for everything, I mean, if you have a few guys who are your family and friends who are willing to put some large money, you can just do a JB and explain to the audience how did you do that JB and syndication. Rama: Yeah, even if it is JV, I would want someone like they do perform some tasks. It's not that, you know, hey, like it's a JB and I'll do all the work. They allow us to have to do some work on that. Because they all structure James two options here. One, either I put less money and they put more money and everybody will have an equal share. Let's say I'm giving very rough example. I bought 50K and other people put 100K each or 200K each, whatever it is. And each of the 3% will be attached to person of the [18:15unclear]. James: Got it.  Rama: That's one option. The second option is I've also put 100K but all three people will put 100K into the deal, but I get 50%. They both get 25%. It's just very high level examples. Either I put less money in and take an equal percentage with the other investors or I put more money and take higher percentage. But same money as others.  James: All these deals you're buying in these different cities is it all value add or de-value add or cash flowing? How's that?  Rama: Most are value add as some are de-value adds as well. I'm kind of going away cookie cutter stuff, but the cookie cutter stuff, I'd still do it. But for the long-term part. That is more kind of relevant for a JV structure because for syndication I need to perform two to five years, I need to exhibit. But if I find a deal, which is really kind of a long-term goal and that is also good for this model where I don't need to worry about performing something in three to five years, I can even take a bridge loan and refinance it and keep it for longer term to the cash flow that's fine. If you don't get to cash flow, that's also fine. At least you can get all the rehab money from the lender and renovate it fully and then go to a permanent loan and keep it for like another six to eight years or 10 years.  James: Do you finance with the bridge loan in the beginning itself?  Rama: Yes. Yeah. Half of the loans I deal with now are bridge loans.  James: Okay.  Rama: Half of them are Freddie Mac. But see this is a de-value add. I know I can get all the rehab budget from the bridge loan. James: Yeah, correct. De-value adds make sense for... Rama: And then refinance it.  James: Got it.  Rama: So it's like kind of a cookie cutter or a little bit like value adds, I go with Freddie Mac loans.  James: Got it. Yeah. I mean the smaller ones has less competition. Sometimes you make a lot more money because there's no payroll and some people like my 45 units people just like to stay in a smaller community because they don't like bigger and the people, a lot of residents like a smaller communities, they don't need all these amenities. They just say we want housing.   Rama: Yeah that's true and another trend is happening, the build to rent. They're doing a medium density bill to rent the whole complex is for Randwick. So they built a town home complex or a single family home complex only for rent because we will be rendered national for some, and especially this post-Corona, it will be delayed like three more years, people will not be looking at home ownership. But at the same time, they don't want to live in apartments. They can live in a town home community or the kind of a little bit less density, a single family home community, maybe more density, single family home community. They're okay with that, right? Because they still have the pride of ownership. You have a better tenant profile and they can also feel that they're living in a regular home than an apartment complex. So the build to rent a town home and a single family home concept is growing as well.  James: So let's say you get a deal; every day you get a deal right now, I mean you're getting into brokers I presume. So what are the sniff test do you do on the deal? Because sometimes they list too many deals?  Rama: Yeah. I have my 60 seconds rule, 60 minutes rule and I don't know, 60 days like I see the more you go, you're going to spend more time on this deal. So the first thing I do is go to the justice map or CoStar just to see them demographics. For what is the median income and demographics mix on this and how the income is growing in this area. If that is a bad area I just... James: So every deal, the 62nd is that few steps go to CoStar.  Rama: Yes first go to; no, I don't need the CoStar, District Map is free. Just go to justicemap.org, just put that address.  James: What's that website called?  Rama: Justicemap.org. James: Oh justice map, yeah, justicemap.org. Rama: Just go to that, put the address you will see the census block. What is the median income, what is the demographics mix and how the income is changing. Then you will see the first sniff test and then I'll see the rents. Nowadays what I'm seeing is the average rent, like around $750 or about; I'm not going to C minus, C property, C plus or B. So I can quickly take a deal out, 60 seconds or less. And then next step will be go to the bond writing and see what the rent projections are, go to Rentometer or any other, I can go CoStar or Rentometer and see what are the rents. Are they below the market or not because I don't care about the rent growth, what happened in the next five, six years, what is in place rents and what I can achieve the market. That is where I focus. Let's say if it is $75, $150, $200 below, then definitely if it's like a C plus, B area, 45K or 40K median income and the demographics mix is good and everything, then I definitely go to the next level and traditional spend six days or not. Then to go to the 60 days. James: That's probably including the best and final and all that. Rama: Yeah every step that you go 60 seconds, 60 minutes, 60 days you're going to waste your time, effort, money on a deal. You need to talk to programs you need to visit, it adds up the cost, time and effort, energy.  James: Yeah. It's crazy how much work you have to do on progressively. So is there a lot of competition even on the smaller deals? Rama: There will be. Yeah. And it sounds especially previously that lasted two years, this competition for everything. But the 40 to 80 unit spaces, James, the smaller people cannot buy those and they still want a track record and know everything. They don't want to give it the deal to anyone. The bigger people are not interested in this because and the same thing that you said it's too much work. Definitely there will be competition but if you do a JV structure and especially you can do a long-term goal or maybe a tentative exchange because on a largest syndication it'd be 20, 30, 40 people. It's going to difficult to convince everyone, hey, let's do a 10, 31 exchange. So on a smaller deal if I get a 42 unit I know the JV people, like we have five people, so once we got a bridge loan, we renovate, and we’ll sell. Say if somebody wants to know by this thing, we have a bigger pool of money in the pot for the 10, 31 now we can from 42 units they can go to 80 units and then they can move to 160 units. I can spin off three fourth, 10-31 exchanges like that and quickly it can go from 200 to 800 units within two to three years or four years.  James: That's interesting. You can start from small and just doing 10 31 and start increasing. Rama: Exactly, on syndication it's not kind of very difficult. I have 40 investors, like half of them, hey, I need my money back. I let them say, let's just enter the one. Okay. Then it'll be difficult to coordinate this.  James: Oh, right. Interesting. Yeah. I never done a 10 31 exchange up until now because I don't prefer it so much because I'm worried that it costs me to buy the wrong deals. Because all sellers love 10-31 buyers. Rama: TO be active, don't disclose that you're a 10-31 buyer. Have those deal flow, you need to be really active. Every time I have four to five, six deals, then I can pick the right one. Hey, I'm not going to go wrong on this because it's a B property, eighties construction. What are the criteria that you have? The rents are like a hundred dollars lower. I'm okay to even or pay 100K - 200K on this because on the 10-31 you want to certain the deal, you want certain to close it. So picking the right property and make sure you're doing the due diligence and then do the 10-31 because yeah. So worst case, you'd pay taxes and it's not like another wall. It's better than going in the bad deal.  James: Correct. Yeah, absolutely. Absolutely. Absolutely. So tell me about your value add strategy. Do you do interior, exterior and from deck and you define what's the most valuable value add that you have seen? Rama: No, I do de-value add, like if the roofs are leaking, like falling down we get a new roof and completely renovating the units to top-notch, [26:57unclear] dollars also into the C properties. I think the thing is weird to see the holistic picture. There is no one specific thing that I do, which is the most value add, just turning it on the property to create the maximum value out of this. Like if it is a exceeded deferred maintenance, the problem with deferred maintenance is you don't get any rent bump if I change my roof. But you need to make sure that you negotiate the deal. Okay. Hey, this has a roof issue and if you're paying the market price, but for a de-value add that doesn't make sense. If there is an exterior deferred maintenance I would love to know everything in place and only do the interior value add. That is the best thing to do if I can get, but I'm not afraid of de-value adds. I did full redevelopments also I'm doing new construction as well, so whatever the maximum value that you can out of the property on the rent. That is what I looked into it.  James: Got it. So that's very interesting. So tell me about yourself. I mean so you are an engineer and you are doing real estate right now, where do you see yourself in the next five to 10 years? Pre-Corona or post-Corona? Rama: If we didn't have the same conversation January James, I was thinking I would retire in 2020. Like I had two deals. I was about to go under contract at backdoor on one day I was at the deal also I'm at 80% on the fence to back out. Completely changes. So things like this, you go back to the square one, go back to the drawing board or go back to school. . Then rethink your strategies. Yeah, definitely. De-value adds and new construction. I want to get maximum value out of it. Cookie cutter. I'm like mostly ignoring, but if I can do long-term goal, I'm okay with cookie cutter. If not that I can get out three to five years and do this like kind of churn. It's just a lot of work. A lot of people think when you're just come into syndication or a multifamily, it is a passive income. This is not passive income at all, like zero. For investors, yes. So I would continue doing what I'm doing, but it'd be more conservative. The new rules. The rules have changed.  James: The rules have changed. Yeah.  Rama: The playing field changed. The game is changed. Everything is changed. But the fundamentals remain the same. We will be renters’ nation. The multifamily will not go away. People need place to live. The next one year will be a little bit at least six months to one year. It will be tough in the operations perspective, fully focusing on operations on what I have and I'll continue the story, but the story now will be much better. You will see what is the need for passive income now you know better. Things might change. People are getting laid off. So you need to get your passive income streams. The story becomes stronger now and nothing changed in that perspective. James: Correct. Correct. Also in the stocks market you can lose your money, but in a brick and mortar real estate, you don't really lose the money. Rama: The capital is reserved, you have a hard asset. You can go and touch, feel it, and then that's not going anywhere. You might have instead of 8% returns, you might have 2% returns or 1% returns, at least your capital is reserved. Stock markets you're bidding down like crazy there. You're losing half of your money or more than half of your money. So the story got better and maybe easier to pass on this thing. But there might be challenges raising capital in the next few months because people might have lost money in stock or lost their job, whatever it is. But eventually it will come back. The people will remember this. They know the value of passive income more than before. I'll continue the value adds, the de-value adds and new construction strategies into the multifamily.  James: Got it. Is there a proud moment in your life that you think you're really, really proud that you cannot forget? I mean, until now, I mean, of course you're going to do a lot more things right, but until now when you started this business. Rama: Yeah. The first 20 unit deal, when we actually renovated this thing, I really felt happy. It was actually really bad property. The roofs were really leaking and everything; the tenants were bad, the backyard, everything was all trashed and completely, we re-profiled this thing. We did maybe more than 70% returns on that. The manufacturer, that's one thing. Overall the transformation that you do kind of really was proud moment for me and also the land development deals that I'm doing. It was 18 months of effort for us to get these 97 units a town home project, we closed it in February. So I was really proud of that new development site.  James: Got it. So you're like moving from one domain to another domain. That must be a happy moment. Why did you move to development?  Rama: As I said, I like this North Carolina, Austin, Atlanta hot markets because I would rather do it in this market, but there are no deals out there in a sense too expensive. You know Austin? All seventies and eighties property itself is so expensive. I would rather build new but there are unknowns. There are risks for new construction. It's not that easy to hazard zone. James: [32:54unclear] building, if it's [32:57unclear]. Rama: Everybody will be building, it has its own staff but overall I want to be patient to find the right deals and find the right construction partners, find the right type of investors. Not everybody will be interested in new development. You want cash flow. You're not going to get cash flow. There are a lot of risk also. You might lose your capital also in that because there are no assets.  James: You have to go to so many entitlement process and city approvals and all that.  Rama: Exactly, there are red tapes involved, there are so many things involved but I would in a market like Austin or North Carolina I would rather to build than buy a seventies or eighties product. That was the main reason for me to get into new development because I liked the market, what I can do in this market because I love North Carolina, I love Austin, I love North Atlanta. What I can do in these markets from a Real Estate perspective, the only answer for me is the new development.  James: Got it. Interesting. So tell our audience how to get hold of you? Rama: Yeah, you can reach out on my website is zovest.com; you can reach out at rama@zovest.com and I'm active in a lot of Facebook groups, you can reach out to me there as well.  James: Awesome. Thanks Rama for coming in. Happy to have you here and happy that you add a lot of value to our listeners. Thank you.  Rama: Thank you, James. Thank you for having me.

Eric Fawcett (Gator Country) and Neil W. Blackmon (Saturday Down South) discuss a really busy week in Florida basketball. FIrst, the decision of Andrew Nembhard to declare for the NBA draft but hire an NCAA certified agent. The guys break down his decision, his future and why a return to Florida might not make much sense. (Minute 1-15). Second, the guys discuss Tre Mann's decision to also declare for the NBA Draft. Is he just getting feedback, or is it possible he's leaving Florida? Why a return to Gainesville makes sense-- and why he could breakout in 2021. (Minutes 15-25). Listener questions-- and the Nembhard or Mann debate (Minutes 25-35).  Then, Eric breaks down the transfer of Michigan big and former four-star recruit Colin Castleton to Gainesville. What the Gators are getting in the talented center. (Minutes 35-50). Finally, the guys break down the decision of top 50 guard Kowacie Reeves Jr., who may pick the Gators tomorrow, nearly two years after Florida gave him his first offer. Plus- Neil on his health and COVID-19. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

JLP counsels with a young man… the man describes being raised by atheist parents. He was turned on to JLP shows through Get a Job's savage moments. Texas Governor Greg Abbott Deems Religious Services Essential Pennsylvania Pastor Planning A Woodstock Style Easter Gathering Mikeal from Florida --- Why is Jesse always darker in the Fallen State… Seattle Police Chief Tells Residents To Call 911 If Called Racist Names Amid Coronavirus Pandemic Clayton from Toronto, Canada

Fisher and the Intern had a great time catching up on this one. Intern is NOT happy that people are already jumping right to Christmas after Halloween and he and Peloton instructor Cody Rigsby agree, even if they don't agree on cranberry sauce. Enjoy! - Details about the BYOCB Club Holiday Party - It's 69 in Florida - Why not both GIF is awful - Expensive appliances - Fisher's new Prison Mike shirt - Recap of Bad As's Sandwich Eating Competition - Alex brought the baby to Tactical's one year party - Fisher and Intern throw axes - Cabana Sour Airbnb stories - Bad at Business Beerfest - Intern is PISSED about Christmas spirit - Disney + Hulu and The Golden Girls - Fisher/Dog Whisperer - Shower routine Become a BYOCB Club member and get exclusive access to content, an annual gift, plus other perks. Sign up today! Welcome EMS Mobile Detailing and check out all of their great services for your vehicle. Let them know that BYOCB sent you. Big thanks to our friends at Mason Danger Beard Co. who hook us up with some AWESOME beard products!  Enter BYOCB at checkout for 15% off your order. Our 2019 official brewery sponsor is Tactical Brewing Company. Check out Tuffy's Bottle Shop & Lounge in Sanford and let them know that BYOCB sent you. When in Lakeland, please visit locally-owned bottle shop, taproom, and kitchen Craft + Kitchen, formerly Beer Rev. For all your photography needs, go to Lauren Tewson Photography.  We drink. We laugh. We drink. Follow the show on Twitter @BYOCBShow check out BYOCBShow.com.  Subscribe and rate the show on Apple Podcasts.  Be sure to follow us on Instagram @BYOCBShow

Episode 3: “Track goals” with Bethel High All-American senior EJ Richardson III and Churchland High female sprinter Layla Anderson. On the latest segment of the I-64 Sports Podcast, we sit down with two of the top high school track and field athletes in the state of Virginia, Bethel High School senior EJ Richardson III and Churchland High School sophomore Layla Anderson. How close was Richardson to joining former Grassfield standout Grant Holloway at Florida? Why doesn’t track and field get more media coverage? Preparing for a National meet with New Balance Nationals Indoor approaching.

For Kevin Castle, the passion surrounding wildlife animals latched onto his heart at a young age and never let go. Although it took him a while to find his true calling as a wildlife and ER veterinarian, Kevin took his time and has had an incredible 25-year career to show for it. Today Kevin is sharing his wealth of knowledge and impressive thrill-seeking stories to give us an overall picture of what wildlife ecology is really all about. If you have ever been curious about what it is like to work in the wild, what the job truly consists of and the risks and rewards of being in the field, this is the episode for you. Kevin is telling us all about how he got into the world of wildlife veterinary medicine, which species he most enjoys working with, relives the time he spent in Kirgizstan researching snow leopards, and much more. Everything from our ice hockey skills to what it takes to work with the National Parks Service is on the table today, so get ready for a unique perspective on some of your favorite wild animals. Learn what it’s like to become an expert on animal welfare, permits, drugs, and being the one in charge of these miraculous animals. What animal do you dream of working with? Let us know in the comments on the episode page!   In This Episode A breakdown of the opportunities available for wildlife veterinarians The difference between being a wildlife biologist and a wildlife vet Implementing conservation work into wildlife ecology Travel from the mountains of Kirgizstan to the National Parks Service in Florida Why bats are some of the hardest and most interesting animals to research   Quotes “I think you can do anything you want to if you put your mind to it that way. And if you look at it as an opportunity and something that is going to be fun, to me that was one of the big things” (10:07) “To stand in a field somewhere with a pair of binoculars and say ‘wow I am getting paid for this’ is such a good feeling.” (12:11) “The most important role for the wildlife veterinarian is to be there in case something goes wrong with a capture event” (21:44) “There’s an awful lot more that goes into it than pulling the trigger. And that’s the part that I like, I like everything about it. And being part of the team is really fun” (45:02) “It’s just that feeling of, this is what I like doing. Life should be about having fun. It’s going to have its downsides, be a drag sometimes, but ultimately it needs to be fun” (48:37)   Links WildlifeConsulting.org Follow Kevin on LinkedIn   Find the full show notes here  Keep up with everything Podcast A Vet Follow Podcast A Vet on Facebook | Twitter | Instagram Join our free community of dedicated vet professionals looking to improve their practices and lives in our free Facebook community! We'd love it (and you) if you would take 1 minute and leave us a review on iTunes!

What do you do with topics that didn't make your pilot? You discuss them anyway! Justen, :T, and the random voice of Zach provide their input on "throwaway" discussions. Its late March now, are all the females still in Florida? Why do we not like Big Sean? Did Soulja Boy ever actually pass it to Arab? And we still don't know what fat back is...

00:00-19:50 Intro, Will and Matt have a regional food fight, Matt opines about his favorite baseball team, Will recaps his trip to Houston and Texas A&M SEC Football Week 6 19:50-31:07 Will thinks Kevin Sumlin will keep his job, and that donors and fans need to temper the expectations for some of these second-year head coaches like Barry Odom, Will Muschamp and Ed Orgeron 31:07-35:45 Alabama at Texas A&M: How many teams can legitimately hang with Alabama? 35:45-38:53 Ole Miss at Auburn: Does Auburn need to win as cosmetically big as Alabama did to keep up in the rankings? 38:53-45:38 Georgia at Vanderbilt: Vanderbilt is the most confusing team in the conference, what is significantly different about Georgia’s personnel that’s led to their increased productivity 45:38-51:11 LSU at Florida: Why is Florida such a slim favorite? What does Florida do on offense? Is LSU as bad as they were against Troy, or was it just a letdown? 51:11-58:26 Missouri at Kentucky: Does Kentucky have a problem putting teams away, What can Missouri do in this game to provide encouragement? Is Kentucky on the second tier behind Georgia and Florida in the SEC East? 58:26-1:21:00 Arkansas at South Carolina: Will still doesn’t know South Carolina’s offensive identity, the Gamecocks let go a golden opportunity against Texas A&M, Arkansas knows what they do well and they do it to an extreme, has Austin Allen under-performed his raw talent? 1:21:00-1:36:58 Mini MLB Playoff Preview: Could this be the most competitive playoffs in the Wild Card era? Does MLB have a competitive balance problem? Will and Matt debate borderline Hall of Fame/Hall of Very Good baseball players.

In the last couple of weeks, two big hurricanes have hit parts of the United States and Caribbean islands. In this episode we answer questions from kids who have been hearing the news and wondering: How do hurricanes form? Why do hurricanes strike Florida? Why do hurricanes have names? We speak with atmospheric scientist Shuyi Chen of the University of Washington.

Host, Erin Whitehead, invites A. Ali Flores to the podcast right off his big finals win in Clash of the Comics, Orlando to discuss disgusting “Would You Rather” scenarios, grown-ass men doing stupid crap with fidget spinners, Bubba’s amazing fireworks display, riding bare-back and drunk on horses in college and how young folks don’t understand the beauty of cassette tapes anymore.  If you want to get out of a situation is it acceptable to pretend you have diarrhea? Are men idiots? (Spoiler: We all know the answer) Do folks make great decisions when hammered? Is it possible to destroy your trigger finger with a fidget spinner? Will Erin make it through this recording even though it’s way past her bedtime and her voice is damn sexy?  How many bitchin’ fireworks will $4000 get you in the undiscovered parts of Florida? What in the world did Ali’s daughter do to warrant the “you might want to sit down” talk? How many girlfriends did Ali get in high school because of his Guiding Light knowledge? Are there buffalos in the panhandle of Florida? Why did God let Ali miss all of those trees? Did the LA Times reviewer LOVE Ali’s movie, Random Tropical Paradise? You know how I know you’re old? Podcast promo: Is This Adulting (wherever you listen to podcasts) Remember, Ali is quite the acting whore so there are tons of places to find his comedy: You can hear him on Mama’s Comedy Show Podcast (wherever you listen to podcasts) or find him most Friday nights in Orlando performing improv for Mama’s Comedy Show. You can find him at www.aaliflores.com, www.Facebook.com/aliflorescomedy, www.Twitter.com/aliflorescomedy, www.Instagram.com/comedicactor, SnapChat and @comedicactor on Xbox or PS4 (because he is an adult, thank you.) You can watch his movie, Random Tropical Paradise, on iTunes or Amazon (do NOT read the reviews first) and his movie Naked will be released August 11th on Netflix. If you are in Scotland *sigh* you can see him at the Edinburgh Fringe Festival in August (www.edfringe.com)!  To follow us on social, find us @bralesspodcast on Facebook, Twitter and Instagram! You can interact with our guests, our host and other listeners by joining the closed Facebook group: Braless Podcast Conversations! Don't forget to check out our super soft and comfy t-shirts at www.bralesspodcast.com and for more information on how you can support this podcast visit www.patreon.com/bralesspodcast. To make a one-time donation to the podcast, which helps us to continue to produce bi-weekly content and improve our sound quality, etc. you can donate through PayPal bralesspodcast@gmail.com Thanks for listening!  

- Watercooler headlines- Greta out at MSNBC- Congress gets some stuff done- YouTube fails- Woman gets her own brand of justice at a Walmart- Jeffy's son reviews Transformers: The Last Knight- NASA potentially hiding life on Mars- Jeffy gets his Rolls fixed, finally- Dead body found and ignored in a Walmart bathroom- Chuck in Florida- Why are the ice cream machines not working when you want some?- What kind of killer would you be?- Types of things we get sucked into on Facebook- Jeffy is fashion- Fake news stories of the week- A look for Independence Day celebrationsFollow Jeffy on Twitter: @JeffyMRALike Jeffy on Facebook: www.facebook.com/JeffFisherRadioFollow Jeffy on Instagram: @jeffymra Learn more about your ad choices. Visit megaphone.fm/adchoices

- NASA potentially hiding life on Mars- Jeffy gets his Rolls fixed, finally- Dead body found and ignored in a Walmart bathroom- Chuck in Florida- Why are the ice cream machines not working when you want some?Follow Jeffy on Twitter: @JeffyMRALike Jeffy on Facebook: www.facebook.com/JeffFisherRadioFollow Jeffy on Instagram: @jeffymra Learn more about your ad choices. Visit megaphone.fm/adchoices

17th April 2020 - Please rate review and subscribe. This week Dan and Will discuss the terrible twos and parenting. We pay our respects on the very sad news of Colby Cave. We chat about the season being done or returning in the light of what Drew Doughty said this week. How the NHL can make money off fans with the news that Florida considers wrestling essential business. Could the NHL just run all their games in Florida? Why the US is run differently to the UK. Would you pay more money if you could guarantee a better TV broadcast? SD and only Pierre between the benches or cough up for a better experience. The Alex Mogilny doc on You Tube is really good. How the Sabres pulled off a defection and got Mogilny political asylum. The ramifications of the whole deal. The A Z draft. RULES: We are drafting players on the first letter of their last name. Once that letter is taken its off limits until all letters have been chosen. E.G. If Will takes Phil Kessel then K is off limits until the next round. No letter X. Certain players are off limits as its too easy. Positions are locked. Enjoy. Thanks.Support this podcast at — https://redcircle.com/2-brits-1-puck/donations