Podcasts about geographic

Sam Panayotovich and Kate Constable go around the world of sports and give their thoughts on Scottie Scheffler taking home another win at the BMW Championship, an update from Jake and his Kickball saga, and a wild idea from Rob Manfred that can become a reality. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this exclusive episode of Paisa Vaisa, we host Sanjay Dutt, MD & CEO of Tata Realty & Infrastructure Ltd. A true industry veteran, Dutt unpacks the dramatic evolution of the Indian real estate sector. He traces the market's growth from the pre-liberalization era of the 80s, where office space was a mere 20-30 lakh sq ft, to today's staggering 750 million sq ft of Grade-A space. The conversation covers key trends driving the market today, including the phenomenal growth of various sub-sectors like data centers, senior living, student housing, and industrial warehousing. Sanjay Dutt also shares his expert opinion on the future trajectory of the sector, the influx of global capital, and the crucial impact of regulatory reforms like RERA and the Insolvency and Bankruptcy Code. Pointers: ✔ Historical context: A look back at real estate before liberalization and its explosive growth since the 90s. ✔ Market segmentation: The expansion of the industry into diverse segments like co-living, data centers, and senior living. ✔ Geographic growth: Insights into how tier-1 cities are creating their own "tier-2" sub-markets and the potential for a more balanced growth across India. ✔ Investment vs. speculation: The difference between wealth creation and trading, and where to spot a potential bubble. ✔ Navigating the market: A detailed guide on what to look for when buying property, from freehold titles to developer reputation. ✔ Regulatory impact: The positive, life-changing influence of RERA and insolvency codes on transparency and investor confidence.From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations. Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more Watch full episodes right here on YouTube Explore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.

Send us a textWhat the heck is Geographic Farming and how can it make you a lot of money?Janine Sasso, a successful real estate agent and author, joins me to discuss this very effective sales strategy for every real estate agent. Janine emphasizes the importance of being a hyper local agent, focusing on geographic farming, and building relationships through direct mail and events. She also discusses the challenges agents face today, including distractions from technology and the need for genuine human connections. Janine provides insights on how to effectively target neighborhoods, budget for marketing, and integrate traditional methods with modern technology to achieve success in real estate sales.Don't forget to like us and share us!Gary* Gary serves on the South Carolina Real Estate Commission as a Commissioner. The opinions expressed herein are his opinions and are not necessarily the opinions of the SC Real Estate Commission. This podcast is not to be considered legal advice. Please consult an attorney in your area.

Send us a textTwo of trail running's most beloved podcasts collide in this dynamic exploration of the sport's evolution, challenges, and future. The hosts of SubHub and Steep Stuff dive deep into trail running's identity crisis, debating whether "short trail" or "sub-ultra" better describes races under marathon distance – a conversation that reveals much about how we frame our sport's narrative.The discussion moves through fascinating territory, examining how races can achieve iconic status in today's sponsorship-driven landscape. Can events survive without being part of major series like Golden Trail? The hosts identify community integration as the secret ingredient behind legendary races like Zegama and Mount Marathon, where locals have embraced these events as cultural touchstones rather than merely athletic competitions.Perhaps most illuminating is the frank conversation about athlete longevity and economics. While shorter distances might extend competitive careers, financial realities often push talented runners toward ultras prematurely. Geographic advantages become starkly apparent as the hosts acknowledge how athletes based in trail running hubs like Boulder or California's mountain towns enjoy significantly better sponsorship opportunities than equally talented runners from other regions.The episode culminates with a celebration of standout performers, highlighting athletes like Jen Lichter ("possibly the best mountain 50K runner on the planet right now"), Anna Gibson, and remarkably, Ryan Becker – a consistent podium finisher still without major sponsorship. Rising stars like Mason Copey, Taylor Stack, and Courtney Coppinger round out this insightful assessment of trail running's current competitive landscape.Whether you're a competitive trail runner, industry insider, or passionate fan, this collaboration offers rare insight into the sport's growing pains and potential future. Follow both podcasts across all platforms and join the conversation about where trail running goes from here.Follow the Sub Hub on IG - @the_subhub_podFollow Dani Moreno on IG - @dan_yell_aFollow EmKay Sullivan on IG - @emkaysulliFollow James Lauriello on IG - @jameslaurielloFollow the Steep Stuff Podcast on IG - @steepstuff_podUse code steepstuffpod for 25% off your cart at UltimateDirection.com! 

Stuart Loren, Managing Director at Fort Sheridan Advisors, stops by the show to discuss investing in The Age of Social Disruption (that hyperlinks to his presentation of the idea). Stuart explores how economic, social, and political disaffection is reshaping investment opportunities and societal dynamics. He highlights the decline in geographic mobility, the housing crisis, and the rise of populism as key factors influencing current political landscapes. The discussion also touches on the impact of AI on economic growth and the challenges faced by local and federal governments in addressing these issues.Stuart can be found on X and LinkedIn. TakeawaysWe're experiencing a period of social disaffection.Geographic mobility has significantly decreased over the years.The housing market is becoming increasingly unaffordable for many.Political responses are shifting towards populism on both sides.Economic mobility is declining, leading to frustration among younger generations.Trust in government institutions is at an all-time low.Social connections are weakening, leading to increased political polarization.AI could play a crucial role in future economic productivity.Local politics are becoming more important in addressing social issues.Investors need to adapt to a changing political and economic landscape.

This special episode weaves together the experiences of five queer artists who've navigated the exhausting terrain between authentic self and performed safety. From Matt Fishel's childhood joy being "bullied out" of him to Blake Mundell's voluntary enrollment in conversion therapy, these stories map the psychological geography of concealment.Each artist reveals how constant self-monitoring becomes second nature - whether it's Ty McKinnie learning not to talk with his hands or Vincent di Geronimo facing daily violence in small-town Connecticut. Yet these aren't simply survival stories. They're testimonies to the peculiar alchemy that transforms hidden pain into visible art, showing how queer resilience isn't about overcoming but about finding unexpected pathways through.Timestamped Takeaways[00:01:33] Childhood transformation: Matt Fishel recalls when joy turned to vigilance at age 11[00:02:56] Geographic isolation: Vincent di Geronimo's move from NYC to Connecticut brings immediate violence[00:05:37] Performative masculinity: Blake Mundell maintains image through sports and "manly" activities[00:06:44] Accidental outing: Aruan's preference for Wham! over Madness exposes him in classroom[00:10:57] Physical withdrawal: Matt Fishel becomes recluse after serious beating in Nottingham[00:11:57] Conversion therapy: Blake voluntarily enrolls seeking to eliminate "sinful desires"[00:13:42] Suicide attempt: Blake's confidential letter to pastor gets weaponised by church[00:19:06] Classroom cruelty: Vincent faces normalised homophobia in maths class[00:20:15] Body language policing: Ty McKinnie's father forbids talking with hands[00:21:43] Unexpected liberation: Blake finds freedom through telling friend's story[00:24:23] Musical salvation: Aruan discovers community through Prince and Bowie[00:26:37] Industry rejection: Matt Fishel told by labels to "cut the gay content"Guest BioThis special episode features five remarkable artists from the podcast's first season in 2021: UK-based Matt Fishel and Aruan, alongside US artists Vincent di Geronimo, Blake Mundell (performing as Courier), and Ty McKinnie. Each brings their unique perspective on navigating queer identity through music.Resource ListMatt Fishel's music: mattfishel.comTy McKinnie's work: tymckinnie.comCourier (Blake Mundell): therealcourier.comVincent di Geronimo: vincentdigeronimo.comRemastered and extended series 1 episodes:Matt FishelTy McKinnieAruanBlake Mundell / CourierSADBOY

August 4, 2025: Colin Banas, MD, CMO of DrFirst, joins Bill for the news. With recent legislation expanding telehealth coverage before deductibles are applied, they examine how healthcare delivery boundaries are dissolving and what this means for the future of patient care. Drawing on fresh insights from the AMDIS conference, the conversation shifts to AI implementation done right, examining Ochsner Health's physician-led approach that delivers measurable results while other systems struggle with governance.  Key Points: 03:39 Major US Health Insurers' New Pledge 08:59 Telehealth Coverage Expansion 14:05 AI in Healthcare: Ochsner Health's Approach 17:38 The Future of AI and Healthcare News Articles:  Ochsner Health provides the AI support physicians are looking for Congress allows first-dollar telehealth coverage for high deductible health plans in reconciliation bill Major U.S. health insurers say they will streamline controversial process for approving care

⚡ Collapse Chronicles – Episode: Pole Shift / Environmental Collapse

In this episode of The Note Closer Show, Scott Carson welcomes Thomas Black, MD, and Cole Oliver, the driving forces behind BlackRidge Capital, to delve into the intricacies of capital raising and navigating today's dynamic markets. Discover their unique insights on building investor relationships, managing risk, and identifying opportunities across various asset classes from someone who has raised over $100 million in private capital and exited over 30 different funds.Key Points Covered:BlackRidge: Focuses on strategic, value driven raising.Authenticity & transparency is key.Operations over marketing.Prioritize safety & predictable cash flow.Managed market challenges w/ communication.Preferred asset classes: industrial, raw land, distressed debt, affordable housing.Due diligence: Assess leadership & risk skills.Geographic focus: High-growth Texas, tax-efficient states.Avoid overpromising & understand deal pitfalls.AI: Content, analysis, client outreach.Invest in value.Thomas and Cole offer invaluable insights into raising capital, navigating the markets, and building lasting investor relationships. By emphasizing authenticity, strategic risk assessment, and transparent communication, BlackRidge Capital is poised to continue its success.This provides a high-level overview of the key topics discussed in the podcast. If you want to learn more, listen to the whole episode and visit BlackRidge.financial.Watch the Original VIDEO HERE!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!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestBook a call with Scott today at HTTP://TalkWithScottCarson.com to see if 1:1 Note Coaching is right for you!

Equifax Senior Advisor Tom O'Neill sits down with Ian Wright, Chief Strategy Officer at IXI, to unpack the shifting landscape of consumer wealth in a post-COVID economy. Drawing on exclusive IXI data, they explore how total U.S. household assets have grown to over $66 trillion—while the median household has actually lost ground. The conversation dives into the shrinking mass affluent segment, the rising influence of retirees, regional trends in affluence, and how financial institutions can better target high-potential markets. Economist Justin Begley of Moody's Analytics delivers our macroeconomic update.In this episode:·      Post-COVID wealth trends and overall asset growth·      The shrinking mass affluent segment and rise of the “barbell effect”·      Disparities in wealth distribution across income tiers·      Differences in financial outcomes by age group (Gen Z, Gen X, retirees)·      Geographic variations in wealth concentration·      Stock market and investments as primary drivers of wealth growth·      Declining deposit levels and implications for banks·      K-shaped economic and credit recovery·      Strategic marketing approaches for targeting affluent households·      Outlook for deposits and investments through 2025–2026

Send us a textMitchell's fascinating exploration of "Bethany across the Jordan" takes listeners on a geographical detective journey through the Holy Land to uncover where Jesus' baptism truly occurred. What begins with four simple words from Scripture opens up a world of historical investigation that challenges conventional wisdom about this pivotal moment in Christian history.By carefully analyzing the timeline in John's Gospel, Mitchell presents compelling evidence for a northern baptism site near the Sea of Galilee. The rapid succession of events—Jesus returning from temptation, gathering disciples, and attending a wedding in Cana "on the third day"—makes a southern location geographically implausible. A person simply couldn't travel 80+ miles on foot while gathering followers in such a short timespan.The northern theory gains additional significance when connected to other key moments in Jesus' ministry. This region near Mount Hermon is where Jesus later proclaimed his identity at "the gates of Hades" in Caesarea Philippi and was transfigured before his disciples—both featuring divine declarations of Jesus as God's Son, mirroring what occurred at his baptism.Mitchell's approach exemplifies thoughtful biblical scholarship that considers practical realities while remaining faithful to the text. He reminds us that figures like John the Baptist weren't stationary but traveled extensively in their ministry, opening up new possibilities for understanding these sacred locations.Whether you're a dedicated Bible scholar or simply curious about historical Christianity, this episode will transform how you read familiar passages and inspire you to look beyond conventional interpretations to discover deeper meaning in Scripture.Support the showSupport our ministryCheck us out at purefaithliving.comContact us at purefaithliving.com/contactFollow us on twitter @purefaithlivingFollow us on Facebook at Pure Faith Podcast

Drs. Patel and Armstrong discuss how they are integrating FDA-approved therapies into geographic atrophy care. They share their perspectives on emerging treatments, including the potential for combination or staged approaches.

In our July episode, Carrie McCormick talks about the importance of staying local. Carrie also emphasizes the importance of building national and international network when building your business. Last Carrie explains how to talk to sellers who don't want to lose their mortgage rates. Please follow Carrie on Instagram. If you'd prefer to watch this interview, click here to view on YouTube! Carrie can be reached at carrie@atproperties.com or by phone at 312.961.4612. This episode is brought to you by Real Geeks and Courted.io.

Title: Why the W-2 Grind Will Never Make You Wealthy with Jamie Bateman Summary In this engaging podcast episode, Jamie shares his journey from being a competitive athlete and military officer to becoming a successful entrepreneur in the field of real estate and mortgage note investing. He emphasizes the importance of discipline, teamwork, and taking ownership of one's financial situation in achieving success. Jamie discusses his transition from a W2 job to entrepreneurship, highlighting how he leveraged his experiences and strengths to build multiple streams of income. He shares insights about his current business model centered around mortgage note investing, explaining the differences between performing and non-performing notes, and elucidates the challenges and opportunities present in this field. The discussion also emphasizes the importance of long-term planning and learning continuously, making the case that discipline ultimately leads to freedom and flexibility in life. Links to Listen and Subscribe: https://podcasts.apple.com/us/podcast/from-military-officer-to-mortgage-note-master-one-mans/id1618672867?i=1000643495099 Links to Watch and Subscribe: https://www.youtube.com/watch?v=t6nU0TtMAFc Bullet Point Highlights: Athlete to Entrepreneur: Jamie shares how his background in competitive sports instilled a sense of discipline and teamwork. Financial Ownership: Jamie discusses the importance of taking ownership of your financial situation and actively seeking improvement. W2 Quitter: The transition from a stable government job to entrepreneurship reflects Jamie's journey of self-discovery and ambition. Mortgage Note Investing: Jamie provides insights into both performing and non-performing notes, illustrating how to generate passive income through debt investing. Value of Networking: He emphasizes the necessity of building a strong network for finding investment opportunities in mortgage notes. Continuous Learning: Jamie advocates for lifelong learning, suggesting that successful people always seek new knowledge and skills. Long-Term Vision: He stresses the importance of setting long-term goals and reverse planning to maintain focus on achieving one's aspirations. Transcript: Jamie what's going on brother welcome to the show thanks Seth this is this is awesome um I'm excited to be here and I'm hoping to add some value absolutely man third time's a charm we've been trying to get this scheduled after I was on your show which was fantastic had a really good time uh on that show and I think it turned out pretty good so I know we're gonna absolutely we're gonna deliver on this one as well yeah we're GNA try to try to I'll try to do as good a job as you did so yeah that was that   was uh yeah no I that was a very very good episode from adversity to abundance I would highly recommend your your listeners check that one out to your episode on that show so thanks for thanks for doing that absolutely man you're an incredible interviewer I've I've that's the only uh I've been on dozens of podcasts and you know you pulled out a lot of things for me that I've I've never talked about on the air so it's pretty pretty awesome pretty awesome show man appreciate that cool man well let's just jump right into your   background man what's your story um take it back as far as you'd like to brother yeah um man uh I'd like to think that life has phases so I've had a few different phases in in my life um you I come from a a large uh family I'm I'm the oldest of seven kids and we always had a competitive uh background as far as team sports and things like that so um I played lacrosse in college that was always a foundational piece of of uh my life and just kind of I think from there learned how to be a part of something   bigger than myself and how to work toward a common goal with a with a team so that's been something that's been a a kind of a thread through my life and then um got married and uh joined the military and um actually joined the military technically before I got married but seemed like I got married and then ran off and and uh ran away from my wife but it's not exactly what happened but uh joined the military was an officer in the in the US Army did I did miss my first three wedding anniversaries through deployment and   things like that um and again it was a matter of trying to be plugged into something you know to serve and be a part of something bigger than myself and trying to trying to add value like I think we all we all want to do um I've obviously glossed over a lot of lot of details but those were uh a couple of inflection points I guess if you will um like you like to talk about I know um and so my military career transitioned into uh a a career with the Department of Defense as a civilian and um did 14   years as a civilian with DOD at Fort me and the first half so the first seven for all you math whizzes out there uh was full-time and then the second half the second seven years was part-time and that seven years is when I was really building my businesses which are largely um real estate investing and mortgage node investing Focus so we can get into the details there and then in 2022 I ended up quitting my job and and um now I have a few different small businesses that I run and like you Seth I've got a got a   lot of different things that I'm juggling and uh you know so but yeah I love talking about taking ownership of of your financial situation and taking ownership of your your life really and um I know that you and I have that comment so yeah that's a that's a high level overview of my background awesome man I appreciate that that there's a lot to unpack there you know going back to you know playing sports all the way up to the Collegiate level that's incredible I always like to to think even playing like poporn or football   back in the day you need a way to instill discipline in yourself and I I that's kind of the the oldest memory I can think of where it was hard right like it was like you've got a coach screaming at you like back in the day it's like you know they wouldn't give you water unless you like you know for like an hour which I don't think they do that anymore now but you know you had to earn that drink of water and and all those sorts of things but you you really learned what it's like to to work hard and you really learned what discipline   was all about and I would say that and you can you can expand on this but yeah I would say that you know being in the military yourself that takes it to a whole new level right it's like you you you got that from Sports you got that from the military yeah definitely I mean obviously they're very different in a lot of ways but that is certainly a common theme is is being disciplined and um and people people shy away from that word um because it just sounds like work or or no fun and no flexibility but I found that having   discipline in your life ends up adding more freedom in a sense um because you kind of have your foundational pieces set in stone you don't have to think about those and so um yeah regarding team sports it's it's really a matter of um you know everyone doing their part right and so there's a level of individual discipline and um and then just and then also just kind of putting the putting the group ahead of yourself um obviously the you know you want individual there's nothing wrong with individual accolades and I I was   certainly uh chasing you know those individual accolades it's not something I shied away from I was you know I definitely was wrapped up in trying to be an All-American and um that kind of thing and and did get that a couple of times you know but it at the end of the day nobody really cares about that and um the way I viewed it was if I was doing my part and I got those you know if I was scoring goals in Lacrosse as an example that means I'm contributing to you know to the team right and so there's obviously a fine   line there but of going too far either way um but yeah that discipline is critical you know even C I played at a high level in college and and there was year round you're training you're you're uh you're into it it was a division three school but it but the reality was we worked just as hard as any any D1 program and um yeah it's it's a these are skills that have paid off and are absolutely transferable to the rest of of life for sure yeah I think you've got to get those those intangible things you've got to develop   them somewhere along the way whatever whatever that is if that's Sports the military or you know from your parents I mean you can get it from different places but you definitely need it I mean you know we're in different stages of our life at this point we're talking about a lot we like talk about freedom and flexibility and fun um to try to get away from kind of the W2 uh mindset but in order to achieve Freedom flexibility and fun in a successful way you had you have to be disciplined to be able to get   there you you had to have done something successfully to be able to get there or maybe what separates you from you know the guy living in a van down by the river right like that guy that guy has Freedom flexibility um I don't know about fun maybe fun but yeah but you know it's it's a different obviously it's a it's a different outcome yeah and I I I still I think I still need you know I still use a lot of discipline today it's still still required but it's I guess I guess it's self-imposed and um you know I just love   love having that flexibility and that freedom um that comes along with being an entrepreneur so yeah it's been a central piece to my success for sure um but I I I still I don't think it ever you know goes away I just get to pick and choose what you know what discipline I want to kind of enforce on myself I guess um so yeah absolutely and and and as you said I the military was a huge part of that for me as well I mean that's a different kind of different kind of discipline and different kind of teamwork and different you know if you   lose a lacrosse game okay you lost the lacrosse game but military the stakes are a little higher um so maybe certain things are more important attention to detail are crit is critical and um but at the end of the day it's yeah it's that the same principles apply across both I I guess sectors if you will for sure for sure so let's dive into that that transition you started working kind of part-time there for seven years so that seems like a transitional period how are you able to progress from you   know that W2 and what what I've heard you say is call yourself a W2 quitter and I love that um you know how were you able to progress from a W2 person to a W2 quitter what enabled you to do that and what that transition looked like I mean you know I do remember in 2015 probably a little bit maybe maybe say 2014 but I just you get you know I had a wife and two kids and I had the commute the long commute that I I know a lot of people can identify with so um it it just was Groundhog Day it was the same   thing over and over and over and that's not me sitting here complaining about my family or having a having the opportunity to work um but after a while it gets old let's just be real right so it's like you're sitting in traffic and I just you start looking at you know I was I worked for the government and you look around you say who okay who's sort of ahead of me on this like you like I I think you probably mentioned on our on your your show on my my show your episode um you look around to the people   who are more kind of Al further along the path than you you say do you want to be that person is that the life you want and man I did not want that and um it just just having that just super long-term just you know the pot at the end of the rainbow I guess uh nothing driving me in the in the interum man it was it was just it was brutal so I probably did a little woes me for a little bit there a little victim mentality for a bit but then you start to realize like okay if you don't take ownership of your own life no one's   going to right so no one's going to come in and do this for you so I'm not sure what truly you know created the change in my mindset but my mindset absolutely started to change and I just made a shift and I and I stopped watching cable news I stopped uh just you know stopped paying attention to all the things that I can't control and I couldn't control back then and and started saying no what do I have what are my strengths who is in my who's back to the team thing who's on my team who's you know who's in my   network that I can add value to and who can add value to me so I started looking around and um you know my father was a realtor for many years my brother was a loan officer I we had uh one rental property at the time and so and IID worked at a I didn't mention I worked at a title company and I worked for a mortgage broker before as well briefly so I had this experience that a lot of people don't have and that's you know that that doesn't mean I'm better than anyone it just means these are my strengths so let's point to that and   let's use that so I started really being intentional about focusing on my strengths and my assets that I had in my life right and then another asset that I used to see as a liability was the time in the car so I started listening to podcasts oh you know and and then it turned into wait I don't even want to go into work yet because this this podcast episode is amazing and I'm learning so much you know Bigger Pockets and all the other real estate podcasts and different investing podcasts and um started using   that mental bandwidth instead of focusing on National media stories that I have zero influence over uh here's something that I can actually take action on and so um in mid 2015 uh I I I went part-time and and just so happens that at uh DOD it's one of the few agencies in the in the federal government where you can go part-time and still keep your benefits so I still had health insurance for my family you know most people don't have that option necessarily but oh oh well I did so that's what I did and and um you   know that's uh again decided decided to start building my my other streams of income outside of my W2 um had my circumstances been different if I was single I probably would have just quit the whole thing right but I was able to have that kind of laded approach I guess or tiered approach to kind of ripping off the Band-Aid yeah yeah no that that that's awesome I love just the idea of of taking ownership of your your life right like everybody has those moments where they're feeling sorry fors um but but the successful people they   don't sit there and stay in that that mindset they they move on they you're going to be there sometimes but you've got to get out of and you got to say okay what what can I control what can I change and you don't say you don't give other people the power to control you and your mindset and how you feel about your life right like that's that's that's the thing like if if you if you're constantly blaming someone else or saying this happened to me rather what can I do to get myself out of it then you're going to be stuck there   forever you're you're going to be you're going to be spinning your wheels forever um and a lot of that I think helps because you said you don't listen you don't watch the news I don't either it's a waste of time what control what does that do for us it's if I do watch it I literally do it for entertainment and you look at it as an entertain I look at it like I'm watching sports almost absolutely I I look at it like this is funny like I can you know what I mean you kind of analyze like this is funny   this guyy saying this in a debate this guy's saying that it's not taking it as fact and news and this is how I should live my life because of what they're saying absolutely and it's not to say that none of these topics are you know important right I mean right Glo Global you know war or I mean politics poverty global warming whatever that's all very important but I have zero control over it almost zero right and then um you know the other thing is fear sells and that's that's what they're selling and so doesn't mean that every   story is invented and it's all fake fake news but it it just doesn't serve me and so I'd rather focus on you know go ground up and kind of uh you just I see it in people maybe older people in my own life now who maybe are retired and and they watch the news all day and it's like they won't travel because they saw a news story that the airports are packed or something and you know it's I'm sure that story was was accurate right but it but the but the news can filter out and and you end up only focusing on the negative really and   it just didn't serve me so yeah um during that La the second seven years I was able to build out my wife and I were doing single family real estate investing and doing a lot of the Burr method that maybe some of your your audience is familiar with uh um and so kind of putting that Capital back into the the rental property um machine and expanding our portfolio um and then eventually last year Well in in 2018 I made the pivot I kept the rental properties but made a pivot to also add on mortgage not   investing and that's been my primary focus as of late um and uh if you want I can tell the story quickly about how I actually quit my job in 2022 I I think it's kind of kind of a funny one absolutely let's do it all right so um I uh so two years ago uh I was playing bad mitton and um I'd been doing now mind you I used to be like tough you know athlete and like I did you know did Jiu-Jitsu for three years right up before this and you know used to lift Waits a lot and still do it here and there but you know I think I'm tough   right and uh ruptured my achilles playing bad mitton so that's an ego blow uh to add on to the physical pain that you know especially with the recovery so I ruptured my achilles a little over two years ago today and um I was out of work it was my right right foot and the reason I bring this up is not for sympathy but um to say you know I couldn't drive for three months so I actually yeah and I had tons of leave from from work and by this time I was tired really tired of my I was pretty much checked out like I think you you   might have been at your uh your big law uh job but um that's right I was I was checked out I mean I I wasn't the best employee at this point and so I took as much leave as I as I could you know reasonably right and so but couldn't drive and so I was out for three months and I come back so come back into work and I'd had discussions with my wife about about leaving it was just a matter of of when not if um I can tell you truthfully had no idea that I was going to quit this day but I came back in from   having been out for three months mind you no one gave me a call no one from work no one from my management gave me a call the entire three months I was out other than to say to ask me are you vaccinated because you have to be vaccinated to be to get inside the building now I don't want this to turn into some controversial vaccine discussion or get your your podcast banned from something but um yes I'd been vaccinated to to answer the question but no one asked me how's your how's your recovery going like how what   do you you know how's your life you know what's it's just are you vaccinated you need to get that shot before you come in okay great thanks I really feel welcome here so I'm already just you know you know what screw this place right um come back in and just go to my desk and this is this is an office space kind of thing where I go to my desk and there's some there's an a force kid at my desk and long story short they' kind of move me somewhere else without telling me I can't find my desk I finally find it   it's got a box with my name on it with you know monitors sideways and all and clearly not a functioning uh desk and um you know office space so I literally quit that day and I just say that it's just like I knew 100% I was done I my wife didn't know I was I quit but I I quit that day still worked for another month or two but I I was there was no question zero question in my mind I'm done with this place so uh that was March of 2022 and ever since then I've just focused on building out my businesses and having   looked back that's awesome sometimes you just know right like sometimes it's time you just knew I I love that story man for me it was a little bit you already know the story but you know for me it was a little bit more of someone else's decision I got fired I mean and men that you know you you weren't the best employee at that point correct you know I knew the same thing and it's great to have awareness and perspective and kind of looking back now you're like I would have done the same thing like this guy   doesn't want to be here his output isn't what it should be like nope he's got he's got to go I mean he's not he's not the best employee and and as a you know as a business owner now I can you know I have really good perspective of that and and seeing that and they did they were doing me a favor by being like hey like your heart's not in it is it and I'm like no it's not it's not yeah yeah the reality is for me it's really hard to work you know when once you go part-time I mean I knew I was casting a vote   against my career progression there so as soon as I went part-time in 2015 I wasn't saying I'm in this for the Long Haul guys this is this is my focus you know it's the writing's somewhat on the wall looking back it's almost surprising I lasted as long as I did um but so yeah uh haven't looked back and just love love the entrepreneurial you know day-to-day and freedom that you alluded to and and just the multiple streams of income and certainly has its challenges I I probably work harder now than ever   than I ever have um but it's by choice right so I love it exactly same here man I mean it's you know my my days are long I mean I I get up way before I used to get up when I when I had a 95 I worked past when I would have worked a 9 to-5 and it definitely more hours but when you're doing it for yourself and you're doing it because you're working towards something that you believe in yeah it doesn't feel like it's you're putting that much time in definitely I I wake up early a lot of days it's not not on   purpose it's because I'm just excited to get Kracken so yeah yeah absolutely yeah well let's let's kind of get into your current business I know you you had mentioned that you focused on your strengths and your assets um and you know I think it's important I'll just I'll just say it's important to take an inventory of what your strengths are when you're kind of considering going into something else um because a lot of our listeners are attorneys they're doctors folks like that they kind of feel like maybe they're they're pigeon   hold right like well if I'm not an attorney what the hell else can I do right like I don't know anything about real estate investing or node investing or starting a business or anything like that but if you really take a step back you you probably have a lot of skills that you've learned and honed in your career that you can use for something else moving forward and that was that's what you were able to do definitely and one thing I'd say is that um you know one thing that's always comforting for   me is nobody knows everything right so you can always find somebody who knows more than you in a certain area um you know there's one quote about every man is my Superior in in in something right so um basically it gets me a lot of comfort to know like just because an attorney listening to your show knows way more than I do about a particular topic and probably many many other topics that doesn't mean I'm less of a person or you know I don't know more than that attorney does in another area so it's   okay I'm never going to know everything there are other people who've already figured it out so um you know that's that's always comforting to me is and when I say look to your strength it's also looking to the people in your network who know and can help you get to where you want to go um so yeah I mean so many things we take for granted that we do know and um you know example when I started working at a title company fresh out of college because it was my first real job and it paid you know a a   salary um I realized quickly how little I knew about title insurance settlements you know just just basic stuff now looking back pretty basic stuff but you don't know that unless you work for a title company or you're heavily involved in this you don't you're not trained in that in school typically right so you know you forget and so your your listener out there the the attorney the doctor I guarantee they have a lot of life experience not just from their professional world but just life experience that that they shouldn't take   for granted and the fact that you can go through law school and then be you know Be an Effective attorney or go through medical school and Be an Effective doctor that that means you you can learn things right and so again I go back to life has Seasons I mean you've shown that in your own story Seth like you know um it's uh it doesn't mean just because I started a certain business doesn't mean that's going to be what I'm going to be doing for the next 20 years or just because I'm an attorney now   doesn't mean that's what I have to do for the rest of my life so we always have options I mean you might look back and wish you'd done something differently or something but you only have one chance at this and so you know you just make the most of it and and just keep I think keep learning constantly um is critical I I just hired a business coach we've had one call um but one of his motos is um you know one of his sayings is that he's always he's in permanent beta so he's always changing always improving he's always   growing so I'm trying to trying to implement that as well yeah I love that permanent beta I haven't heard that before but I like that I like that phrase like that phrase um so tell me about your current business tell me about mortgage node investing start with the basics um sure what is it yeah so and and I'll try to keep it uh there's so much to it but again none of it is difficult it's just a lot of moving parts and you've got to you know it takes time to learn um we buy debt so we buy a mortgage note   and that could be performing or non-performing the the real highlevel version is is um a performing note is kind of like a a long-term Buy and Hold rental property but you're buying the debt and becoming the lender becoming the bank if you will um and so you're buying that performing note for cash flow so I buy a performing note the barer now pays me through a loan servicer and I get monthly payments so that's a great way to go the the problem with that is you can't really add value to that asset very well you're kind of   it is what it is and in fact with mortgage notes the value actually goes down over time generally speaking because the principal balance goes down so it's just it's worth less than you know than uh you know than it would than it was when you bought it then on the other side the non-performing side of things we buy those uh as well and those are more like a Fix and Flip property so um although we're still buying the debt we're not buying the property but there's a chance to add value There's an opportunity to buy distressed asset and   add value to that asset and then sell that that non-performing note either well I should say sell that asset whether that's as a rep performing note or as uh through the the real estate itself there there are a few different ways you can exit a non-performing uh note deal and but but back to your kind of one of the the themes um thus far one of the reasons I got into specifically that space was that I understood the real estate space so I understood the single family residential real estate space so it wasn't a huge   leap for me to go from owning the property to now owning the debt on that property whereas it would have been a lot bigger leap for me to say oh I want to start buying distressed you know multif family debt um which I know you could probably help me understand better but that you know it's like incremental progress and and and change isn't that scary so I kind of expanded my um you know toolbox if you will and got into the mortgage note space so we have a couple of note funds one is open um currently and they're they're they're   all for accredited investors um and uh the the income fund that's open pays a monthly uh aims to pay a a monthly uh per referred return I know you and a lot of your listeners are attorneys so I got to hold the line here and uh so the fund is structured to pay uh to aim to pay a a monthly return uh of 8% it's not a there's no growth in that fund it's literally a cash flow play and um diversification play you're putting your your capital in we buy assets across the country we we've bought notes in in probably 25 States at this point   um and so the investment is Diversified across Geographic areas across borrower types and um you know we buy for a certain yield we take a small management fee and then we um ideally uh pay a pay the preferred return that we're aiming for to our to our investors yeah nice 506c you're able to talk about it it's uh ACC credit investors only just want to throw that out there um so yeah I mean so just going back to the basics a little bit and we'll get back into the fund like how do you how do you even   find these things I mean how do you get started how do you find these things so I mean that is an ongoing challenge I'm not going to lie to you that's one of the the things that truthfully a a passive investor who doesn't have time to to develop the network to go find these assets they're just not going to have success um you know they might here and there but it takes time it's a it's a word of mouth industry just like real estate itself is and um so we've built out a network of of Sellers and you know that could   be quite honestly I I've never had luck buying directly from Banks it's really either a larger uh mortgage note fund that's closing so it might be a three-year fund and then they've got to they've got to liquidate they've got to figure out how to sell off what to do with these assets um and so that's a great opportunity to buy is just a fund that's closing or somebody a note investor who's getting out of note investing or they've had a life change or something um you know where they just uh there's an opportunity to buy from   them as well um and so there there are other you know I guess we buy from hedge funds note investors other note funds um those are there are also note Brokers as well out there um there are also some online exchanges like paper stack and a couple of others that you can go and I've bought and sold on on paper stack and other exchanges as well um and you know you can you can find assets there um but at the end of the day we have our list that we list of people that we work with regularly and I would say one thing   is that doing due diligence on a note seller is just as important as uh due diligence on the assets that they're selling and so it's it's taken some work and it's it's a work in progress always um but it is the million-dollar question is where do you where do you find these assets yeah so that's that's the hard part right that finding these assets is the hard part um have you ever had to foreclose on on any of these notes and actually acquire the property and I guess a followup question is do you ever   look at a non-performing note like hey I actually want to own that property great questions yeah great questions um to be clear we're not trying to kick people you know Grandma out on onto the street or anything like that um you know that's not our our goal typically well that's never our goal but we're never trying to kick someone out of their home um but the reality is some people honestly need a little bit of a kick in the pants and often times that's not really the best them staying in the house is not often   The best scenario for them I know that might sound sound harsh but at the end of the day if someone can't afford to live somewhere sometimes these people are living in squal and they really need a change of of environment um to answer your question about do we target the property yes sometimes we do in fact we just closed on two they're called uh heckum loans or reverse mortgages where the borrowers are deceased the property is underwater meaning you know the the loan amount is high greater than the   property value and it should be a quick exit through the property so HUD will sell off these uh big pool of of reverse mortgages and we were able to purchase two of them very recently it's a vacant property you're not doing an eviction borrower is deceased you've got to work through the airs or or foreclosure um and get and exit the property that way um if your listener wants to go to my website I've got a really good um it's a Jacksonville blog post I've got a couple of blog posts about this deal I still hold this rental   today and it was a non-performing note that we purchased a few years ago and um I had no intention of exiting through the property or holding holding the the property as a rental property but uh running the numbers it just was too good to to let go and so long story but we we uh you know ended up doing a deed in Lee of foreclosure actually in this case and got the property back and now it's a long-term Buy and Hold property for my own rental uh portfolio yeah that makes sense that makes sense there's there's always   multiple ways to look at an investment right um but it does sound you know is not something that that I've executed on myself but it sounds like this is an active business right and that's why you've put together an income fund for people that want to get involved passively um because as as everybody knows there's active Investments there's passive Investments if you're going to do something active maybe your returns are going to be a little bit better but you're going to give up a lot of time and effort to to get those returns   um so if you want to go to the passive side if you if you're still full-time in your career you're you're a full-time doctor or lawyer or or whatever you are you know these passive Investments are the way to go without having to know every single detail about a new business yeah and I don't know if you can see this but I I wore this specifically for your for this show there it is there it is passive income um you're absolutely right you know these gurus some of the some of the node investing gurus out   there will try to sell you know notes as passive um we have another blog post that talks about uh just the it's a spectrum there's active and passive on either end but at the end of the day if you're gonna node investing in my world is very very active and we have a non-performing note fund that's considerably more active than the Performing note fund so um you're dealing with foreclosures bankruptcies deed and L tracking delinquent property taxes do I have to physically go anywhere no but it is not passive um but   that's why we offer the passive investment to for you know people who like you said have maybe more Capital than time or energy and they want to put that Capital to work that's right there there are certain gurus out there that you know whatever it is that they are pitching it's they they tend to always pitch it as as passive even though it is an active business whether that's ma money yeah whether that's a mortgage note or I mean people pitch Airbnb short-term rentals as passive they're like well you can delegate this and you   can you know you can automate that and there's software for all these things but you still got to put all that stuff together you've still got to monitor all those things you you've still got to you still got to oversee all these different aspects of a business and that's what it is it's a business that you're running and it's not passive like it's not it's not and and it is on a spectrum some things are more passive than others but when you're inves in you know as a passive investor into some sort of a   fund or a syndication that's really leaning really far into the the passive side absolutely 100% and I and I'm as you are Seth I'm I'm I'm I I assume you are I know you're an active investor but I I do have passive Investments myself in other other funds other note funds and and my own my own note funds as well and so nothing wrong with doing both but I would say you need to be careful about you know you got to make a decision at some point do you want to scale this thing and and make this really a   business or do you do you are you satisfied with potentially a little bit lower return and you are giving up some control but much you know much fewer headaches and just a lot less work right right yeah and a lot of you know a lot of the listeners are high income earning professionals so they've already dedic put a lot of time and effort into being able ble to earn this much money from their W2 and absolutely that's probably your best bet to be honest with you I've been there I was in those shoes you're   probably better off putting your head down like let's grind for a few years let's let's not spend every single dollar that we make on all the new stuff on a on a new car every two years or every year in a bigger house that you don't need like let's set aside some of that and invest it passively and then maybe one of those will stick maybe one of those passive investments will be a mortgage note fund where you're like man I kind like this business like I like the sound of it I've learned about it   and then you start maybe progressing on the active side and maybe that takes over and and you want to get into that as a as a business as an entrepreneur but um a great way to kind of dip your toe in the water is to become a passive investor um that's the way that I did it into you know multif family syndications I invested passively in a number of deals first and kind of learned about it learned the ropes and I'm like I can do this and then that's when I made the transition yeah definitely it's it   really comes down to what you what your goals are and what your situation is for sure I I'll say I was too passive initially when I went into notes um because personally I just don't you're you're you were probably a little better student Seth not that I was a bad student but you know I I invest unless I'm actively in investing you know I'm just not going to learn a lot so the reality is yeah it's fine to learn about the asset class you definitely should learn about the operator for sure if you're putting Capital with them but   you're not going to once you're getting your checks and your dispersements you're not going to probably learn a whole lot about how to do that on the active side and so that's what we're here for yeah yeah it's more of like a spark of an interest right like may you already have that spark and then you invest passively then you're like okay well now I'm invested like let me learn about this you have to you have to actively go out there and educate yourself and network and talk to people that are in the business definitely 100   per. all right man before we jump into the Freedom Four you have one last gold nugget for our listeners oh man um I would say within when it comes to investing um you know take the long-term view um don't chase immediate returns um you know I do think just yeah it's certainly we all want to make a million dollars tomorrow but I think it's it's play the long game when it comes to investing I think that's critical love that man all right let's jump into the Freedom Four what's the best thing you do to keep your mind body   healthy yeah I mean one thing that I instituted this year actually um is breath work and it's um you know it's so it takes 10 minutes um and per day for me at least and it's been phenomenal and it's something that quite honestly as a as a you know athlete back in the day or even in the military I would have scoffed at something like this to be honest with you because it's just you know it's not manly or whatever it's like it is phenomenal so uh breath work I mean I do other things for sure but that's certainly this year it's been a   game Cher for me I just feel like it resets my central nervous system and it just gets me focused and uh I know there are other physiological benefits that you can ask uh Dr Andrew huberman or somebody else about cool I have to look into that actually have I mean obviously everybody talks about it's a Hot Topic I haven't gotten into it I haven't gotten into that plus like the cold plunges and that sort of thing um but I really want to explore that a little bit I don't know how much you can cut this out if we   don't have time but I had a I'm just going to be be open about this I just had a you know in late December I got a viral infection like a neuro virus and then I had I had a what I think was a pretty severe panic attack and it was super scary and so that's why I started uh doing this and somebody on my team actually sent me a a I guess we'll call it an implement or a tool that uh I use for the breath work it's BL there's a Bluetooth connection to your phone and it's pretty cool so it's structured and   back to that discipline right but um yeah so it's there was a reason I started doing it and um it's it's so accessible five to 10 minutes a day you can start doing it so yeah very cool highly recommend cool thanks for sharing that man um with all your success what is one limiting belief that you've crushed along the way and how did you get past it um I think just uh you know being afraid to you know that you have to be perfect right so um I used to be an editor back in the day and so many things would just not get done   or not get completed within our team our organization um because it had to be perfect and and it's like I think as I've progressed into more of the entrepreneurial lifestyle and and uh it's just it's not a it's not an option anymore um so um yeah I think just taking action has kind of overcome that limiting belief of of of chasing Perfection yeah yeah I can I can I can agree with you there done not perfect um as you know my background as an attorney I mean we're we're paid to be perfect like we can't make mistakes especially   in contracts and the way that we write things but when you kind of make that transition over to being an entrepreneur there's too much there's too much to to be to be perfect you got you just got to get it done good enough absolutely good enough has to you have to be open um willing to accept that for sure y what's one actionable step our listeners can do right now to start creating more freedom so I'll use the military here you can um which is where I learned U kind of reverse backwards planning reverse   planning so literally just and I'm not going to tell you I'm perfect at this um but you know think about what create a vivid vision for your life in in the next three to five years pick a pick three years out from today and what do you want your life to look like and then backwards plan and now I'm not saying you need to plan every minute of every day but you can be that will that will increase the urgency uh sense of urgency in your life and the intentionality of every every hour and every day because you realize this is   doable but I got to take ownership of of my current situation if I want this to be the reality in three years so I would say create a vivid vision and and kind of reverse or backwards plan to get there perfect perfect last but not least how has passive income made your life better yeah I mean I think in multiple ways but a big one that stands out is is giving me I guess we'll call it margin um to take some more risks on the entrepreneurial side and because I do have alternative sources of income   passive income um it's allowed me that kind of mental and financial bandwidth or margin to maybe invest in a company that even if it doesn't per go perfectly it doesn't go well it's not profitable that's okay I still have that cushion um for for me and my family so that's yeah it's a huge it's been a huge factor in that regard yeah absolutely Game Changer man it just changes your mindset changes your life in so many ways uh Jamie this has been incredible dude you've got so much great content to to share in your   brain man you got to get it out there um I know you've got an awesome podcast that I was on adversity to abundance everybody should check that out um other than that Jamie where else can people find out more about you yeah just two things I'll mention very quickly uh literally got my book delivered today like an hour before I hopped on here it's uh from adversity to abundance it is based on the podcast so I encourage your listener to check that out from adversity to abundance is the book that's out and then Labrador   lending.com l b r a d o r.com is where you can check us out all right man awesome I'll drop all that in the show notes thanks again for coming on brother thanks for having me Seth this has been great Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=t6nU0TtMAFc https://www.instagram.com/p/C2sKtrAPX50/ https://www.facebook.com/permalink.php?story_fbid=pfbid029mGsZgw2DFvrvFV6QPkwf2U2ewUxCGoRmnjGvuBicaWmM9oHWbemP7NCVFFXz8jxl&id=100089126144055   Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en   Jamie Bateman's Links: https://x.com/batemanjames https://www.facebook.com/batemanjames https://www.threads.com/@batemanjames11? https://www.instagram.com/batemanjames11/ https://www.linkedin.com/in/jamie-bateman-5359a811/ https://labradorlending.com/about/

In this episode Diana welcomes back author Dana Diaz, who discusses her second book 'Choking on Shame.' Dana shares her experiences with narcissistic abuse in her marriage and childhood, emphasizing the importance of telling one's story, forgiveness, and healing. Dana also talks about her upcoming third book, 'Rising from the Ashes,' which focuses on her life post-abuse and her journey toward healing and self-love. Discussing the complexities of dealing with unhealed trauma and finding inner peace, Dana provides valuable insights and hope for those navigating similar struggles. Listeners are encouraged to seek professional help and understand that it's never too late to start the healing process. 00:00 Introduction and Sponsor Message 00:48 Welcome to the Podcast 01:27 Dana Diaz's Story: Choking on Shame 02:41 Understanding Narcissistic Abuse 03:57 The Impact of Abuse on Life and Healing 06:25 Rising from the Ashes: The Sequel 09:50 Forgiveness and Healing 26:03 The Power of Writing and Sharing Your Story 35:37 Closing Remarks and Resources Link Tree Website: https://dswministries.org Subscribe to the podcast: https://dswministries.org/subscribe-to-podcast/ Social media links: Join our Private Wounds of the Faithful FB Group: https://www.facebook.com/groups/1603903730020136 Twitter: https://twitter.com/DswMinistries YouTube: https://www.youtube.com/channel/UCxgIpWVQCmjqog0PMK4khDw/playlists Instagram: https://www.instagram.com/dswministries/ Facebook: https://www.facebook.com/DSW-Ministries-230135337033879 Keep in touch with me! Email subscribe to get my handpicked list of the best resources for abuse survivors! https://thoughtful-composer-4268.ck.page #abuse #trauma Affiliate links: Our Sponsor: 753 Academy: https://www.753academy.com/ Can't travel to The Holy Land right now? The next best thing is Walking The Bible Lands! Get a free video sample of the Bible lands here! https://www.walkingthebiblelands.com/a/18410/hN8u6LQP An easy way to help my ministry: https://dswministries.org/product/buy-me-a-cup-of-tea/ A donation link: https://dswministries.org/donate/   Dana Diaz Part 2 [00:00:00] I do have a sponsor 7 5 3 Academy. Our martial art program specialized in anti-bullying programs for kids to combat proven Filipino martial arts. Colli. We take a holistic, fun, and innovative approach that simply works. Our fitness community is friendly and supportive without the over the top muscle gym atmosphere. Our coaching staff are professionally trained with over 30 years of experience. Get started by claiming your free class voucher. So go to the link in the show notes. This is in the Phoenix Metro area, so reach out to Coach David and coach Eric over at 7 5 3 Academy. Welcome to the Wounds of the Faithful Podcast, brought to you by DSW Ministries. Your host is singer songwriter, speaker and domestic [00:01:00] violence advocate, Diana Winkler. She is passionate about helping survivors in the church heal from domestic violence and abuse and trauma. This podcast is not a substitute for professional counseling or qualified medical help. Now here is Diana. Welcome, welcome to the podcast once more. I appreciate you coming back to hear some more of Dana Diaz. She is on her second book that she's been talking about, Choking on Shame. And again, she was on the podcast in season three, episode 1 53. So if you haven't heard, part one of this conversation, go back to part one. But it [00:02:00] would be really great to also listen to episode 1 53 'cause then you would get the whole picture of her story and some really great advice and help for those of you who have been with a narcissist or maybe you're dealing with one now. I'm not gonna go through her bio again. Everything is in a show notes for you. So without delay, here we go with part two, my conversation with Dana Diaz. And, I guess I should clarify that, what makes it called narcissistic abuse? It's just when a narcissist abuses you. But the difference is that a narcissist will enact multiple and all abuses in some cases versus, and I'm not trying [00:03:00] to minimize, but like in my childhood, I was physically abused and verbally abused and neglected in many ways in my marriage to this narcissist. Yes, there was verbal abuse for sure, which we discussed with the cussing 'cause he called me things that became as common as my name. I actually heard them more than my name. Um mm-hmm. There was sexual abuse. And yes, I will debate anybody who tells me that if you're married, you cannot be sexually abused. I disagree. If you are taking advantage of a woman that does not consensually want to be with you, uh, that is sexual abuse. Yes. There was financial abuse. So many examples of that. Legal abuse, the threatening to, call the authorities, creating the narrative of, you're crazy, you're unstable. I'm gonna call child services, so I'll have custody of our son if you leave me. I will do this legally to you. It's this constant threat. And then you add in all the other things , the [00:04:00] intimidation, the stalking, you're basically scared for your life. And I always say it's like, people call it walking on eggshells. I'm like, no, it was a minefield. It was a minefield. Yeah. Because I was stepping very carefully, very cautiously. Every time I opened my mouth, even my facial expressions, I could not say anything or do anything. And World War III would erupt because of my facial expression. So I was very careful, but it doesn't matter where I stepped, stuff was blowing up here, but I couldn't deal with it or process it. 'cause then something was blowing up over here and then in the midst of that, I'm trying to protect my son and shelter him from as much of it as I could, even though my ex was always trying to drag him into it so that he could blame me for our sons, unhealthy, witness of things that no child should ever have to witness or hear between parents. So it was, uh, yeah, it was something. And it's interesting because so many people read [00:05:00] Gasping for Air, including the owner of my publishing company. She actually at one point messaged me and said, I thought this was nonfiction. I said, It is. It was my true story. And she says, I can't even believe it. I said, well, you can't make this stuff up. Trust me. I would not have that kind of imagination. But it is a page turner. So it has appealed to people for entertainment that just like an exciting, uh, dysfunctional relationship read. But for the bulk of people who have been through this type of relationship, I'm glad to report that I get messages every day. Every single day of people saying that it gave them strength or it helped them to feel less alone because they thought it was just them or, you know, whatever it is. I've had people message me that they're finally leaving. They're divorcing, they're trying to get things in order or whatever it is. And I am certainly not [00:06:00] here saying, go get divorced, leave whoever. 'cause sometimes it's safer for somebody to stay. Um, it, it's just the reality, unfortunately sometimes. But I just want to give people, if nothing else, the hope that. There is something more to life and that no, you were not put here to suffer. And, it hurts my heart when I hear people say that. 'cause I, I remember feeling very much that way. But that's where the third book comes in. 'cause the third book is actually the sequel. Mm-hmm To gasping for air. We kind of went out of order, kind of like the Star Wars movies did for a while there. But again, I only intended to ever write the one. So gasping for error. Then we have the prequel, which is my childhood, choking on shame. So coming in March is rising from the ashes where it picks up. Right where gasping for error left off where I am leaving the driveway of the farm that I shared with my ex-husband moving out, moving on with [00:07:00] life. But I thought everything would be fine. I think when you get out of those. Uh, situations you think, oh, everything's fine. Nothing can go wrong. And, there's a lot of healing to do and things are a little messy while you're doing the healing. You don't necessarily perceive healthy relationships and healthy connections the way a healthy person would because there's this distrust and this anxiety, and we, there's so much still there that has to be dealt with. It's coming to the realization of those things. And as I said, coming to terms with even my mother who, went no contact with me before I even divorced with my ex, she opted to go no contact. 'cause she said that she could not be her husband's wife and my mother at the same time, and she was choosing to be his wife instead of being my mother. Mm-hmm. So that was heartbreaking. But this is my last resort and rising from the ashes, like, okay, I'm out of this marriage. Like, there's [00:08:00] one scene, it was hard to write in rising from the ashes where I'm actually on Christmas Eve at her house. I hadn't been invited, just my son had been, but I didn't get to see him Christmas day because of the divorce. My ex was going to have him. So that was my time with him was Christmas Eve and she took it. Without even consulting with me. So I ended up going with my son. Mm-hmm. I ended up on my knees on Christmas Eve in my mother's basement on the cold ceramic tile floor. Literally begging with my hands clasped, begging her just to be my mother to see me, to come to my wedding. 'cause I'm newly engaged, to this man. I've known many, many, many years and I just wanted her to be a part of that. There was no emotion stone face. And she actually walked away from me and left me there on the floor in tears on Christmas. Mm-hmm. So there's a lot of [00:09:00] heartbreak, but it's a very happy ending. And, we talked about coming full circle before, but the ending of rising for ashes. I'll give this little snippet. 'cause I haven't really talked about the book to anybody. Not even my husband knows about it. I don't let him read books until they're published. But, the very end actually comes back to my mother that I said, after everything I'd been through my healing, the key to my healing was resolving that very first relationship I had in my life. I'm getting chills right now just thinking about it because mm-hmm. Everything in my life had to do with my mother rejecting me. But it took somebody saying to me. You can't reject your mother, you can't hate her. You can't have these ill feelings towards her for what she, how she treated you. Because if you do that, you're rejecting a part of yourself. And that just, that was as eye-opening as telling me I'm a child of God. Because then I had to look at her, uh, and the same person said that I had to put a [00:10:00] picture of my mother up in my house where it was prominence. It couldn't be hidden away somewhere. And um, the very last chapter of the book of Rising from the Ashes is me doing that. And it was not pretty. And I had some choice words that I cannot say on this podcast to say to that picture. But you know what? I still have the picture right here in my office and I look at it every day. I even say, hi mom. We have no relationship. She has nothing to do with me. We have no communication. But she's there 'cause she's my mother. And I'm gonna love her anyway because she was just a kid. And I forgive that I had to come to terms with knowing that she came from an abusive household. She had an abusive alcoholic father and endured terrible domestic violence. And she was just a baby when she had me. And she was a baby [00:11:00] who hadn't resolved her own unhealed trauma. So even though I was her baby and I expected her to handle me better and to know what to do and how to do it, she didn't. And I have to forgive that because I mean, what 16, 17-year-old girl that's in an abusive household would know what to do with a baby she doesn't even want. So, with that, I just encourage people to maybe look at, I'm not saying it excuses it, but I think mm-hmm. It's helped me get past the past. To look at it with a more loving heart than a resentful one. Because if you hold onto that resentment and that anger and that pain, you don't have room for the blessings and the love and the hope for the future and in the present, everything that's right in front of you. So that, that's essentially where we go with rising from the ashes. And I want people to hear that message loud [00:12:00] and clear. I'm really glad that you pointed out the forgiveness aspect. 'cause we talk about that a lot. How do you forgive somebody that's done some really horrible things to you? And they never repent of it. They never ask forgiveness or come around like we want them to. But I'm glad you mentioned, yeah, I can still forgive my mother in. An aspect of I'm not gonna live or live rent free in my head and ruin the rest of my life. I'm gonna move on with my life and help other people. But yeah, I respect that. Yes, she is my mother. And that's okay to say that. Yeah. Yeah. She's my mother, but I don't have to let her ruin my life. Exactly. And we move on. I mean, at the end of the day, we're all human. I said it before, but I say [00:13:00] it almost every day. We all make mistakes. And I can own up to mine and not feel badly about it. It's just sometimes you make a mistake, things happen unintentionally, intentionally, we screw up. But you know, we have to give that same grace to other people, because not everybody. Is at the same level of consciousness. Not everybody is faithful. Even my mother, when she got with her husband, when I was very young, actually, he didn't feel he was not Christian at all. So we stopped going to church. I actually started getting rides with my friends that were Catholic to, or I'd sleep over at their houses on Saturday nights so I could go to Sunday mass with them. But, even in college, I was able to drive, so I would go myself and I continued that. But, you know, it's about respect. We can't assume that everybody thinks like we do because they don't, not everybody comes from the same history that we come from. [00:14:00] Geographic differences, cultural differences. We're all so unique and that's a beautiful thing, but even within our own families, she has the right to make her own choices. Mm-hmm. She has turned herself away from God, but that is her choice. It is not my place for anyone else's to, force her somewhere where she doesn't feel that she wants to be. But again, that's between her and God. But, um, it's not my place, so I have to respect it, understand that she has the right, and I almost, got even to the point in my healing where I was like, you know, I actually have to appreciate even how she, stood her ground as far as her relationship with me. As terrible it is as it is to reject your own child. She had a very clear idea, of what she wanted in life and how she wanted to live her life. Whether I agree with that or not. She was being true to herself and [00:15:00] respecting herself. And self-love is not something that I had the privilege of, even knowing what that was for most of my life. And I still, every once in a while have to, give myself a pat on the back or remind myself I'm pretty okay. You know? 'cause I grew up with such terrible self-esteem and that first marriage didn't help at all. But my mother always had a sense of exactly who she was and what she wanted, and I did not fit into that. So, there's things I think we can learn from people like that and understand and just give them that grace that they're having their own human experience. And it may not be the path we walked, may not be the way we would've walked it, but that's what they're doing. And just have to love them through it. Pray for them, hope for them. But at the end of the day, we also have to do what gives ourselves some inner peace, which sometimes means, not having that relationship with them. So, I respect that about her. We have, like I said, we are completely estranged, but my [00:16:00] life goes on and I have her picture here in my office and I look at it every day and. It's all right. It's okay because God loves me again. I'm his child and he loves my mother too. Even though she's made mistakes, and hopefully one day she'll realize that, there is love in her life and that she is worth more than what she is allowed herself to have. And open herself up to that. But that is not my place to force her to do so. Hmm. I'm very fortunate that it's, my narcissist ex, we have no contact at all. Because we didn't have any children together, which looking back I am grateful for that. I didn't bring children into that marriage. Yeah. To suffer along with me, it would've been a different ending. But yeah, I'm able, to say that I've healed. Significantly, because I'm not in that relationship. Yes. With him, I don't [00:17:00] have to have any contact. 'cause when you get out of that, you have a better perspective as to what you went through rather than you're still in it and you're still dealing with this person and, they're trying to make your life, miserable. I was really fortunate that I just cut 'em off. And you have to, unfortunately, that's the only way, and I try to tell people that you can't, there is no healing when you're still in those circumstances. But it's impossible. I always tell people, I liken it to growing flowers in your garden. If you plant the seeds and then as soon as the flowers start blooming, you start giving them chemicals and poison and. They're not gonna keep growing. You cannot heal something. You cannot grow as a human being if you're still in that toxicity. And it's a shame sometimes that we have to cut off people that are biologically, family. But, I think that [00:18:00] the way to look at that and what has been my experience in life from a very young age is that, we're all part of God's family. And I cannot tell you how much of a difference it has made since, sadly not having contact with my abusive mother and stepfather. And I don't have contact with my ex either and many other people who have enabled them and sided with them in some way. But, uh, or they have cut contact with me, which is fine, but it's amazing now that they're kind of out of the way, like pulling weeds outta that same garden, now the weeds are gone. So I can see the other flowers that were always there and they're rooting for me and they're growing with me, and they're wanting me to grow it all and, and want me to be the beautiful flower that I can be. And it's just astounding to me the difference that having supportive, encouraging positive people around you, that what that makes versus being in those situations where every [00:19:00] single day I was diminished, insulted, ridiculed, demeaned. It just any negative adjective you can come up with is what that experience is like. But then you turn that around. You can't help but smile when somebody speaks positivity to you or encourages you, and then you wanna do that to others. And it has this beautiful domino effect because I know people, there's that thing called resting bee face. You know that? Mm-hmm. People used to say that I had that back then, and it wasn't that I was just. I was miserable, I was suffering. I wasn't, there was nothing to smile about. But, um, now it's, it, it's nice because I run into people sometimes that I haven't seen in years. And I know one person said, oh, it's good to see you smile again. It's good to see you laughing. Or, you know, one person, the best compliments I've had, they looked at me just physically, they're like, you look healthy. Because I had, I had gotten [00:20:00] so sickly physically during that. Mm-hmm. And especially towards the end of my marriage with my first husband that, yeah, even my physical health has improved with my mental health. So, and it's such an empowering thing to, to know like, okay, I actually had the choice. You know? Thankfully I was able to get out of it alive, so to speak. And everything's just really good now. Everything's really good. It's giving me that time and that space now to just tweak those little things. I call them like bruises that sometimes, somebody might say or do something and that bruise gets poked a little. I'm like, Ooh, that hurts. That didn't feel good. But I can kind of explore that a little more now and be like, okay. We still, I don't think the healing journey ever ends, but I think that, no, you know, we take those opportunities when our, when our bruises get poked a little bit to say like, okay, what do we still have here to work out? Where is that coming from? And then [00:21:00] deal with it. Because more times than not, it's just, it's the past. I always tell people it's never about the presence and usually when somebody comes at you as in confrontational, abusive, mistreats you in some way, it doesn't even have to do with you. It has to do with them. Yes, it's their unhealed trauma speaking to you. It's their issues with themselves that they just can't stand something that they see about you, that it's your light that's disturbing their peace. It's your potential, your achievement that's making them feel. All that yucky stuff they already feel about themselves. But, all you can do is love. I just try to remind myself, even when, believe me, there's, I always say there's the angel and the devil on my shoulders, and the devil just wants to tell 'em a few f-bombs and say a few things, but then the angels like, love them, love them. And I just take a deep breath and okay, this is coming from a source of pain. Remind myself of that. I know what that's like. It's not gonna be helpful. It's not gonna be productive or [00:22:00] get anywhere if we're gonna go back at 'em, with more evil words and nastiness. We're just gonna love, and some people aren't receptive. I had that experience last week and, a very, very nasty person, who told me the most vicious and awful thing that I won't even repeat. And I went back to them with love and said, I hear pain in what you said to me, and I understand this isn't about me, but I wish that one day you would. Find out how wonderful you are and love yourself enough to respect and value other people's lives as well. And she came at me with, an equally, just like her first message that I deserved what she said to me in the beginning. And that's that. Some people just don't wanna hear it. They don't wanna receive it. But that's not gonna change who I am or make me change my character. I'm still gonna come from a good place and remind myself there is evil in the world. There are people in this world that want to sit with their demons and stay there forever more. All I can [00:23:00] do is love them and pray for them. That's it. I can't, I just like my mother, I can't make that choice for them. It's kind of like drug and alcohol addiction. They have to be able, just like we had to when we were in our situations, you have to make the choice for yourself. Nobody could have told me, I had people say, you don't look happy, or, he's a real this or that, and you should get out. You think, I don't know that you don't think, I don't know. I was being mistreated. Of course I did. It's just not that easy to walk away, especially when you do have a child with a person, it makes it that much more complicated. But if nothing else, but legally and financially, it's a little more complicated. Yeah, there's just so much there. But, all in all, I just hope people know, know that there, there's choices, there's hope, and, and one of the biggest choices you can make, and kind of like how I said about me and my sister, is just to choose where you're coming from. Choose to come from a place of love because, putting yourself out there and behaving in negative ways, behaving in, ways [00:24:00] that basically, like they're acting, it's not gonna get you anywhere and it's not gonna solve that. This world is angry and full of hate more now than ever. And I don't think we need to participate in that hatred in that division. We need to actually turn that around a little bit and we all can make that difference by starting with the people in our house. Well start with ourselves and then your kids, your spouse, your whoever, your grandma, your coworkers, the person at church, the person that you run into at the library or the post office or wherever. Just be kind. Be kind. And maybe then they'll be a little kinder that day too, to somebody else. Hmm. I agree with that. I wanted to comment on what you said about the bruises, I guess. Yeah. Yeah. I'm 52 and I had some triggers this past year and just brought up some, stuff from my past that I couldn't deal with the, the physical response to those memories. And for the first time in my [00:25:00] life, I'm going to a professional therapist and a psychologist and, I've had some peer counseling and peer groups that were extremely helpful that I'm, really glad that I have a therapist, to help me through these bruises or triggers that have come up in my life right now. I mean, I was married to my ex and I left in 2008. That was a long time ago, but it's never too late to get some help and to reach out to get help with hundred percent some of these things. I know my dear friend that I do mending this all groups with, she's a senior citizen now and she just wrote her book of her life after, so. Uh, her abuse was from her childhood and she had some memory loss, but, she's finally getting to write her book [00:26:00] now. And she's a fantastic writer as well. But what would you say to folks that they hear you and they see you writing these books about your experience, but they're afraid to write their story. They're like, people are gonna judge me. They're not gonna like what I say, or they're gonna sue me. Or what would you say to somebody that might be thinking about writing their story. Well, those are all very valid concerns and as somebody who is now publishing book three, they are still valid concerns. I am actually surprised that I have not faced any legal consequences, although, mm-hmm. On the other hand, it's very unlikely. In my, at least from my experience, I don't know many people who would like raise their hands loudly and say, oh, that's me in that book. You don't wanna claim that you're that person who did these awful things. But I tried to [00:27:00] be, I wrote my stories. I actually, gasping for air came from a journal that I kept when, it was towards the end of my marriage to my first husband, because I honestly thought that I was going to end up dead. And that it would be made to look like an accident or there would be some excuse, and I wanted there to be a record of what was really going on in that house. Wow. So the stories came out of that journal. So if nothing else, I tell people just journal, because sometimes I was joking with a friend this week, like some days my mind is like a bingo. Like that barrel, they spin in bingo, before they pull the little thing out. Like it's all this stuff just jumbling around six that sometimes if you just do, I've heard it called a brain dump. I've heard it called free writing. But just write. Just write everything. Don't monitor yourself. Don't feel bad. You let it come out however it comes out, even if it's not how you would normally talk. Say what [00:28:00] you have to say. Be angry, be hurt, cry, whatever. Get it out. Because the interesting thing is that. One, you'll feel better because it's like outside of you now. It's literally like extracting that pain from you and putting it on something else. It does actually make you feel mentally better, but you'll notice after a while when you go back, you'll start noticing patterns because visually you learn differently than mentally, if that makes any sense. So like even when I was writing Gasping for actually even the third book, all of my writing I'd read and have to revise over and over, and I would have a wake up in the middle of the night with. Oh my gosh. Like my brain just realized after I've written these stories, that this, it's kind of like connecting the dots, like a, an a detective or investigator trying to figure out a murder with all the strings on the walls pointing to this and that. It's like your brain starts [00:29:00] doing these, connect the dots, and you start making these connections and realizing things you hadn't seen before. Because when it's all in your head, it's, it is just jumbling around like that bingo barrel. Um mm-hmm. So it's good to get it out of you, but if you actually do wanna get into publishing a story Yes. They're, unfortunately, those fears are valid. They are always going to be there because as long as something is in print, if somebody does feel, even if you change their names, even if you change other geographical details, different things. If somebody can provide enough evidence that those circumstances or that person or whatever it was, it is actually them and wants to take you to court. They unfortunately do have a case. And so, I would definitely advise speaking to an attorney speaking to, different insurance companies. 'cause there are insurances you could get to cover to have that protection, for libel really, and things like that. Yes. I didn't know [00:30:00] that. Yeah, it's an expense, but, it's one worth having if you're gonna be speaking your truth. But the, thing that's been the struggle for me has been the judgment because surprisingly, the judgment has not even come from the people who have done awful things to me. It has come from their family members, which mm-hmm are and were my family members. You'd be surprised how many people just don't wanna believe you and we'll call you all kinds of things under the sun. And on the lighter end. 'cause you weren't there. They weren't where you were. They weren't there. They didn't see all that. They didn't. But the thing is, for them to believe you, they have to believe they love a monster. Mm-hmm. You see what I'm saying? Yep. That's pretty much it. My ex-mother-in-law, who I loved like a mother, 'cause she was a mother to me all those years, my mother was not my sister-in-law, who is my best friend. Even people in [00:31:00] my life, mutual friends, even. People that taught my son at his school that got word and read the book, and now for you to say those things about him or that, or even about my mother, whatever, in that book, I have to be the villain so that they feel better about associating with somebody who's capable of doing the things that I claim they did. So the judgment is honestly the biggest thing, but I keep, I just, I say it almost every day. God is the only judge. God is the only judge. You know what? And I know my truth. I know my truth firmly, and I can't let other people get me down. And let me tell you, strangers will say the most vile things, the most horrendous things behind an email or a social media post, or however they communicate with you, because they have that anonymity behind a screen. Yeah. And it is cruel. The things I have been told, such horrific things [00:32:00] and here I am, like I'm just trying to help people heal. I think I'm doing a good thing. And, the pushback is very strong. But what I've noticed and what I have to tell myself to keep putting one foot in front of the other is that those are the people, the ones who go through that great effort to go to my website and click on contact Dana to email me, or, put the post out or however they communicate their nastiness to me. I hit something, I hit some nail on the head. I triggered, I poked one of their bruises. That's what that is. And so in a sense, I look at those like, okay, I hear the pain. I wanna love them and help them, but they're not receptive right now. And that's okay. Hopefully that will come. But I gotta say, okay, good job, Dana. 'cause something I said or did, got to them. They can't let it go. It's haunting them. So maybe that's the propellant for change. Maybe that's the thing that's gonna compel [00:33:00] them, to change their circumstances or to take hold, take control of their life, and get that healing that they need. Because I wanna touch upon real quick what you said. I'm 49, let me tell you, I get so many people that contact me. I am actually, I just started this month, co-leading a women's group for healing from childhood abuse. And the thing that we get, the comment we get the most is that people that are our age, forties, fifties, sixties, even, I've even had a few in the seventies, that they kind of blame themselves. They shame themselves because, well, why now? Why am I just, how come it took me so long? I'm gonna answer that right now for you and I and for all these people that have said that to themselves. We were trying to live. We were trying to survive. Yes. Number one, when we got out, we had to go to work every day like we probably still do now. We were raising children possibly, which is not an easy [00:34:00] task. We had family commitments, church commitments, school, whatever it was we were. Life gets very busy. Life is very distracting, but I feel like when you get to where we're about in age, like for example, my son, he's gonna be 22, very soon. He bought his own house. He's moved up. When you start to be left with, yeah, when you start to be left with your own thoughts and you have time to reflect back and you're not in this constant hustle and bustle and have to and got and dah. Then you're like, oh my God, what the hell happened to me? You start to think back on the past, like, okay, and then when those things hit you, when somebody does say that thing or poke that bruise, you have the time and you're like, oh, oh, is that about, that was so long ago. And that's when you start really thinking about it. And that's when you have the opportunity and the time, to usually take the reins of your healing. So, if that's [00:35:00] any incentive, I think it's always good, whether you have a therapist or a group or whatever. There's so many, there's goat yoga, there's musical, healing, modalities. There's so many different options available to people right now that no matter what your niche is, so to speak, you can find something that will help you resolve all those feelings of the past, no matter what age you are. Yeah. Reach out to one of us. Yes. You all out there? We have resources. We know people Yes. Wherever you are. Even in other parts of the world. Yes. So I want to make sure that the folks know where to get your books. Not a problem. You can go to my website, dana s diaz.com, the links for the two that are out are there. And then the third, book will be on there when it comes out. Or you can go straight to Amazon anywhere. Books are sold online. I can't get the books on [00:36:00] shelves of the major retailers because of the content and the language. They, have all rejected the, application to have them on the bookshelves, but you can go anywhere online. I have it in it, it's on Kindle, so you can get the ebook if you like, having it on your phone or your iPad or whatever. Sometimes that's easier. It's more affordable. And if you are in an abusive situation still, that would be the best option because you don't want a book that says abuse in the title sitting on your coffee table. So, but it is available wherever books are sold online. This has been great to have you back on the show again and your invitation, is open door for you. Oh, thank you. I appreciate that. I know you're gonna write some more books. You're gonna have a big, long series like Star Wars here and, yeah, I'll eat it right up here. Just come back on, let me know if you have any, anything else to share with us. It's good to see [00:37:00] you. I, so related to what you shared, thank you so eloquently today. I appreciate that. And again, I just want everybody to know that there is hope. And there are people that are behind you. Even if you think you're alone, we're all with you and God is with you most importantly. Amen. God bless you. You as well. Thank you for listening to the Wounds of the Faithful Podcast. If this episode has been helpful to you, please hit the subscribe button and tell a friend. You could connect with us at DSW Ministries dot org where you'll find our blog, along with our Facebook, Twitter, and our YouTube channel links. Hope to see you next week.

Title: Why the W-2 Grind Will Never Make You Wealthy with Jamie Bateman Summary In this engaging podcast episode, Jamie shares his journey from being a competitive athlete and military officer to becoming a successful entrepreneur in the field of real estate and mortgage note investing. He emphasizes the importance of discipline, teamwork, and taking ownership of one's financial situation in achieving success. Jamie discusses his transition from a W2 job to entrepreneurship, highlighting how he leveraged his experiences and strengths to build multiple streams of income. He shares insights about his current business model centered around mortgage note investing, explaining the differences between performing and non-performing notes, and elucidates the challenges and opportunities present in this field. The discussion also emphasizes the importance of long-term planning and learning continuously, making the case that discipline ultimately leads to freedom and flexibility in life. Links to Listen and Subscribe: https://podcasts.apple.com/us/podcast/from-military-officer-to-mortgage-note-master-one-mans/id1618672867?i=1000643495099 Links to Watch and Subscribe: https://www.youtube.com/watch?v=t6nU0TtMAFc Bullet Point Highlights: Athlete to Entrepreneur: Jamie shares how his background in competitive sports instilled a sense of discipline and teamwork. Financial Ownership: Jamie discusses the importance of taking ownership of your financial situation and actively seeking improvement. W2 Quitter: The transition from a stable government job to entrepreneurship reflects Jamie's journey of self-discovery and ambition. Mortgage Note Investing: Jamie provides insights into both performing and non-performing notes, illustrating how to generate passive income through debt investing. Value of Networking: He emphasizes the necessity of building a strong network for finding investment opportunities in mortgage notes. Continuous Learning: Jamie advocates for lifelong learning, suggesting that successful people always seek new knowledge and skills. Long-Term Vision: He stresses the importance of setting long-term goals and reverse planning to maintain focus on achieving one's aspirations. Transcript: Jamie what's going on brother welcome to the show thanks Seth this is this is awesome um I'm excited to be here and I'm hoping to add some value absolutely man third time's a charm we've been trying to get this scheduled after I was on your show which was fantastic had a really good time uh on that show and I think it turned out pretty good so I know we're gonna absolutely we're gonna deliver on this one as well yeah we're GNA try to try to I'll try to do as good a job as you did so yeah that was that   was uh yeah no I that was a very very good episode from adversity to abundance I would highly recommend your your listeners check that one out to your episode on that show so thanks for thanks for doing that absolutely man you're an incredible interviewer I've I've that's the only uh I've been on dozens of podcasts and you know you pulled out a lot of things for me that I've I've never talked about on the air so it's pretty pretty awesome pretty awesome show man appreciate that cool man well let's just jump right into your   background man what's your story um take it back as far as you'd like to brother yeah um man uh I'd like to think that life has phases so I've had a few different phases in in my life um you I come from a a large uh family I'm I'm the oldest of seven kids and we always had a competitive uh background as far as team sports and things like that so um I played lacrosse in college that was always a foundational piece of of uh my life and just kind of I think from there learned how to be a part of something   bigger than myself and how to work toward a common goal with a with a team so that's been something that's been a a kind of a thread through my life and then um got married and uh joined the military and um actually joined the military technically before I got married but seemed like I got married and then ran off and and uh ran away from my wife but it's not exactly what happened but uh joined the military was an officer in the in the US Army did I did miss my first three wedding anniversaries through deployment and   things like that um and again it was a matter of trying to be plugged into something you know to serve and be a part of something bigger than myself and trying to trying to add value like I think we all we all want to do um I've obviously glossed over a lot of lot of details but those were uh a couple of inflection points I guess if you will um like you like to talk about I know um and so my military career transitioned into uh a a career with the Department of Defense as a civilian and um did 14   years as a civilian with DOD at Fort me and the first half so the first seven for all you math whizzes out there uh was full-time and then the second half the second seven years was part-time and that seven years is when I was really building my businesses which are largely um real estate investing and mortgage node investing Focus so we can get into the details there and then in 2022 I ended up quitting my job and and um now I have a few different small businesses that I run and like you Seth I've got a got a   lot of different things that I'm juggling and uh you know so but yeah I love talking about taking ownership of of your financial situation and taking ownership of your your life really and um I know that you and I have that comment so yeah that's a that's a high level overview of my background awesome man I appreciate that that there's a lot to unpack there you know going back to you know playing sports all the way up to the Collegiate level that's incredible I always like to to think even playing like poporn or football   back in the day you need a way to instill discipline in yourself and I I that's kind of the the oldest memory I can think of where it was hard right like it was like you've got a coach screaming at you like back in the day it's like you know they wouldn't give you water unless you like you know for like an hour which I don't think they do that anymore now but you know you had to earn that drink of water and and all those sorts of things but you you really learned what it's like to to work hard and you really learned what discipline   was all about and I would say that and you can you can expand on this but yeah I would say that you know being in the military yourself that takes it to a whole new level right it's like you you you got that from Sports you got that from the military yeah definitely I mean obviously they're very different in a lot of ways but that is certainly a common theme is is being disciplined and um and people people shy away from that word um because it just sounds like work or or no fun and no flexibility but I found that having   discipline in your life ends up adding more freedom in a sense um because you kind of have your foundational pieces set in stone you don't have to think about those and so um yeah regarding team sports it's it's really a matter of um you know everyone doing their part right and so there's a level of individual discipline and um and then just and then also just kind of putting the putting the group ahead of yourself um obviously the you know you want individual there's nothing wrong with individual accolades and I I was   certainly uh chasing you know those individual accolades it's not something I shied away from I was you know I definitely was wrapped up in trying to be an All-American and um that kind of thing and and did get that a couple of times you know but it at the end of the day nobody really cares about that and um the way I viewed it was if I was doing my part and I got those you know if I was scoring goals in Lacrosse as an example that means I'm contributing to you know to the team right and so there's obviously a fine   line there but of going too far either way um but yeah that discipline is critical you know even C I played at a high level in college and and there was year round you're training you're you're uh you're into it it was a division three school but it but the reality was we worked just as hard as any any D1 program and um yeah it's it's a these are skills that have paid off and are absolutely transferable to the rest of of life for sure yeah I think you've got to get those those intangible things you've got to develop   them somewhere along the way whatever whatever that is if that's Sports the military or you know from your parents I mean you can get it from different places but you definitely need it I mean you know we're in different stages of our life at this point we're talking about a lot we like talk about freedom and flexibility and fun um to try to get away from kind of the W2 uh mindset but in order to achieve Freedom flexibility and fun in a successful way you had you have to be disciplined to be able to get   there you you had to have done something successfully to be able to get there or maybe what separates you from you know the guy living in a van down by the river right like that guy that guy has Freedom flexibility um I don't know about fun maybe fun but yeah but you know it's it's a different obviously it's a it's a different outcome yeah and I I I still I think I still need you know I still use a lot of discipline today it's still still required but it's I guess I guess it's self-imposed and um you know I just love   love having that flexibility and that freedom um that comes along with being an entrepreneur so yeah it's been a central piece to my success for sure um but I I I still I don't think it ever you know goes away I just get to pick and choose what you know what discipline I want to kind of enforce on myself I guess um so yeah absolutely and and and as you said I the military was a huge part of that for me as well I mean that's a different kind of different kind of discipline and different kind of teamwork and different you know if you   lose a lacrosse game okay you lost the lacrosse game but military the stakes are a little higher um so maybe certain things are more important attention to detail are crit is critical and um but at the end of the day it's yeah it's that the same principles apply across both I I guess sectors if you will for sure for sure so let's dive into that that transition you started working kind of part-time there for seven years so that seems like a transitional period how are you able to progress from you   know that W2 and what what I've heard you say is call yourself a W2 quitter and I love that um you know how were you able to progress from a W2 person to a W2 quitter what enabled you to do that and what that transition looked like I mean you know I do remember in 2015 probably a little bit maybe maybe say 2014 but I just you get you know I had a wife and two kids and I had the commute the long commute that I I know a lot of people can identify with so um it it just was Groundhog Day it was the same   thing over and over and over and that's not me sitting here complaining about my family or having a having the opportunity to work um but after a while it gets old let's just be real right so it's like you're sitting in traffic and I just you start looking at you know I was I worked for the government and you look around you say who okay who's sort of ahead of me on this like you like I I think you probably mentioned on our on your your show on my my show your episode um you look around to the people   who are more kind of Al further along the path than you you say do you want to be that person is that the life you want and man I did not want that and um it just just having that just super long-term just you know the pot at the end of the rainbow I guess uh nothing driving me in the in the interum man it was it was just it was brutal so I probably did a little woes me for a little bit there a little victim mentality for a bit but then you start to realize like okay if you don't take ownership of your own life no one's   going to right so no one's going to come in and do this for you so I'm not sure what truly you know created the change in my mindset but my mindset absolutely started to change and I just made a shift and I and I stopped watching cable news I stopped uh just you know stopped paying attention to all the things that I can't control and I couldn't control back then and and started saying no what do I have what are my strengths who is in my who's back to the team thing who's on my team who's you know who's in my   network that I can add value to and who can add value to me so I started looking around and um you know my father was a realtor for many years my brother was a loan officer I we had uh one rental property at the time and so and IID worked at a I didn't mention I worked at a title company and I worked for a mortgage broker before as well briefly so I had this experience that a lot of people don't have and that's you know that that doesn't mean I'm better than anyone it just means these are my strengths so let's point to that and   let's use that so I started really being intentional about focusing on my strengths and my assets that I had in my life right and then another asset that I used to see as a liability was the time in the car so I started listening to podcasts oh you know and and then it turned into wait I don't even want to go into work yet because this this podcast episode is amazing and I'm learning so much you know Bigger Pockets and all the other real estate podcasts and different investing podcasts and um started using   that mental bandwidth instead of focusing on National media stories that I have zero influence over uh here's something that I can actually take action on and so um in mid 2015 uh I I I went part-time and and just so happens that at uh DOD it's one of the few agencies in the in the federal government where you can go part-time and still keep your benefits so I still had health insurance for my family you know most people don't have that option necessarily but oh oh well I did so that's what I did and and um you   know that's uh again decided decided to start building my my other streams of income outside of my W2 um had my circumstances been different if I was single I probably would have just quit the whole thing right but I was able to have that kind of laded approach I guess or tiered approach to kind of ripping off the Band-Aid yeah yeah no that that that's awesome I love just the idea of of taking ownership of your your life right like everybody has those moments where they're feeling sorry fors um but but the successful people they   don't sit there and stay in that that mindset they they move on they you're going to be there sometimes but you've got to get out of and you got to say okay what what can I control what can I change and you don't say you don't give other people the power to control you and your mindset and how you feel about your life right like that's that's that's the thing like if if you if you're constantly blaming someone else or saying this happened to me rather what can I do to get myself out of it then you're going to be stuck there   forever you're you're going to be you're going to be spinning your wheels forever um and a lot of that I think helps because you said you don't listen you don't watch the news I don't either it's a waste of time what control what does that do for us it's if I do watch it I literally do it for entertainment and you look at it as an entertain I look at it like I'm watching sports almost absolutely I I look at it like this is funny like I can you know what I mean you kind of analyze like this is funny   this guyy saying this in a debate this guy's saying that it's not taking it as fact and news and this is how I should live my life because of what they're saying absolutely and it's not to say that none of these topics are you know important right I mean right Glo Global you know war or I mean politics poverty global warming whatever that's all very important but I have zero control over it almost zero right and then um you know the other thing is fear sells and that's that's what they're selling and so doesn't mean that every   story is invented and it's all fake fake news but it it just doesn't serve me and so I'd rather focus on you know go ground up and kind of uh you just I see it in people maybe older people in my own life now who maybe are retired and and they watch the news all day and it's like they won't travel because they saw a news story that the airports are packed or something and you know it's I'm sure that story was was accurate right but it but the but the news can filter out and and you end up only focusing on the negative really and   it just didn't serve me so yeah um during that La the second seven years I was able to build out my wife and I were doing single family real estate investing and doing a lot of the Burr method that maybe some of your your audience is familiar with uh um and so kind of putting that Capital back into the the rental property um machine and expanding our portfolio um and then eventually last year Well in in 2018 I made the pivot I kept the rental properties but made a pivot to also add on mortgage not   investing and that's been my primary focus as of late um and uh if you want I can tell the story quickly about how I actually quit my job in 2022 I I think it's kind of kind of a funny one absolutely let's do it all right so um I uh so two years ago uh I was playing bad mitton and um I'd been doing now mind you I used to be like tough you know athlete and like I did you know did Jiu-Jitsu for three years right up before this and you know used to lift Waits a lot and still do it here and there but you know I think I'm tough   right and uh ruptured my achilles playing bad mitton so that's an ego blow uh to add on to the physical pain that you know especially with the recovery so I ruptured my achilles a little over two years ago today and um I was out of work it was my right right foot and the reason I bring this up is not for sympathy but um to say you know I couldn't drive for three months so I actually yeah and I had tons of leave from from work and by this time I was tired really tired of my I was pretty much checked out like I think you you   might have been at your uh your big law uh job but um that's right I was I was checked out I mean I I wasn't the best employee at this point and so I took as much leave as I as I could you know reasonably right and so but couldn't drive and so I was out for three months and I come back so come back into work and I'd had discussions with my wife about about leaving it was just a matter of of when not if um I can tell you truthfully had no idea that I was going to quit this day but I came back in from   having been out for three months mind you no one gave me a call no one from work no one from my management gave me a call the entire three months I was out other than to say to ask me are you vaccinated because you have to be vaccinated to be to get inside the building now I don't want this to turn into some controversial vaccine discussion or get your your podcast banned from something but um yes I'd been vaccinated to to answer the question but no one asked me how's your how's your recovery going like how what   do you you know how's your life you know what's it's just are you vaccinated you need to get that shot before you come in okay great thanks I really feel welcome here so I'm already just you know you know what screw this place right um come back in and just go to my desk and this is this is an office space kind of thing where I go to my desk and there's some there's an a force kid at my desk and long story short they' kind of move me somewhere else without telling me I can't find my desk I finally find it   it's got a box with my name on it with you know monitors sideways and all and clearly not a functioning uh desk and um you know office space so I literally quit that day and I just say that it's just like I knew 100% I was done I my wife didn't know I was I quit but I I quit that day still worked for another month or two but I I was there was no question zero question in my mind I'm done with this place so uh that was March of 2022 and ever since then I've just focused on building out my businesses and having   looked back that's awesome sometimes you just know right like sometimes it's time you just knew I I love that story man for me it was a little bit you already know the story but you know for me it was a little bit more of someone else's decision I got fired I mean and men that you know you you weren't the best employee at that point correct you know I knew the same thing and it's great to have awareness and perspective and kind of looking back now you're like I would have done the same thing like this guy   doesn't want to be here his output isn't what it should be like nope he's got he's got to go I mean he's not he's not the best employee and and as a you know as a business owner now I can you know I have really good perspective of that and and seeing that and they did they were doing me a favor by being like hey like your heart's not in it is it and I'm like no it's not it's not yeah yeah the reality is for me it's really hard to work you know when once you go part-time I mean I knew I was casting a vote   against my career progression there so as soon as I went part-time in 2015 I wasn't saying I'm in this for the Long Haul guys this is this is my focus you know it's the writing's somewhat on the wall looking back it's almost surprising I lasted as long as I did um but so yeah uh haven't looked back and just love love the entrepreneurial you know day-to-day and freedom that you alluded to and and just the multiple streams of income and certainly has its challenges I I probably work harder now than ever   than I ever have um but it's by choice right so I love it exactly same here man I mean it's you know my my days are long I mean I I get up way before I used to get up when I when I had a 95 I worked past when I would have worked a 9 to-5 and it definitely more hours but when you're doing it for yourself and you're doing it because you're working towards something that you believe in yeah it doesn't feel like it's you're putting that much time in definitely I I wake up early a lot of days it's not not on   purpose it's because I'm just excited to get Kracken so yeah yeah absolutely yeah well let's let's kind of get into your current business I know you you had mentioned that you focused on your strengths and your assets um and you know I think it's important I'll just I'll just say it's important to take an inventory of what your strengths are when you're kind of considering going into something else um because a lot of our listeners are attorneys they're doctors folks like that they kind of feel like maybe they're they're pigeon   hold right like well if I'm not an attorney what the hell else can I do right like I don't know anything about real estate investing or node investing or starting a business or anything like that but if you really take a step back you you probably have a lot of skills that you've learned and honed in your career that you can use for something else moving forward and that was that's what you were able to do definitely and one thing I'd say is that um you know one thing that's always comforting for   me is nobody knows everything right so you can always find somebody who knows more than you in a certain area um you know there's one quote about every man is my Superior in in in something right so um basically it gets me a lot of comfort to know like just because an attorney listening to your show knows way more than I do about a particular topic and probably many many other topics that doesn't mean I'm less of a person or you know I don't know more than that attorney does in another area so it's   okay I'm never going to know everything there are other people who've already figured it out so um you know that's that's always comforting to me is and when I say look to your strength it's also looking to the people in your network who know and can help you get to where you want to go um so yeah I mean so many things we take for granted that we do know and um you know example when I started working at a title company fresh out of college because it was my first real job and it paid you know a a   salary um I realized quickly how little I knew about title insurance settlements you know just just basic stuff now looking back pretty basic stuff but you don't know that unless you work for a title company or you're heavily involved in this you don't you're not trained in that in school typically right so you know you forget and so your your listener out there the the attorney the doctor I guarantee they have a lot of life experience not just from their professional world but just life experience that that they shouldn't take   for granted and the fact that you can go through law school and then be you know Be an Effective attorney or go through medical school and Be an Effective doctor that that means you you can learn things right and so again I go back to life has Seasons I mean you've shown that in your own story Seth like you know um it's uh it doesn't mean just because I started a certain business doesn't mean that's going to be what I'm going to be doing for the next 20 years or just because I'm an attorney now   doesn't mean that's what I have to do for the rest of my life so we always have options I mean you might look back and wish you'd done something differently or something but you only have one chance at this and so you know you just make the most of it and and just keep I think keep learning constantly um is critical I I just hired a business coach we've had one call um but one of his motos is um you know one of his sayings is that he's always he's in permanent beta so he's always changing always improving he's always   growing so I'm trying to trying to implement that as well yeah I love that permanent beta I haven't heard that before but I like that I like that phrase like that phrase um so tell me about your current business tell me about mortgage node investing start with the basics um sure what is it yeah so and and I'll try to keep it uh there's so much to it but again none of it is difficult it's just a lot of moving parts and you've got to you know it takes time to learn um we buy debt so we buy a mortgage note   and that could be performing or non-performing the the real highlevel version is is um a performing note is kind of like a a long-term Buy and Hold rental property but you're buying the debt and becoming the lender becoming the bank if you will um and so you're buying that performing note for cash flow so I buy a performing note the barer now pays me through a loan servicer and I get monthly payments so that's a great way to go the the problem with that is you can't really add value to that asset very well you're kind of   it is what it is and in fact with mortgage notes the value actually goes down over time generally speaking because the principal balance goes down so it's just it's worth less than you know than uh you know than it would than it was when you bought it then on the other side the non-performing side of things we buy those uh as well and those are more like a Fix and Flip property so um although we're still buying the debt we're not buying the property but there's a chance to add value There's an opportunity to buy distressed asset and   add value to that asset and then sell that that non-performing note either well I should say sell that asset whether that's as a rep performing note or as uh through the the real estate itself there there are a few different ways you can exit a non-performing uh note deal and but but back to your kind of one of the the themes um thus far one of the reasons I got into specifically that space was that I understood the real estate space so I understood the single family residential real estate space so it wasn't a huge   leap for me to go from owning the property to now owning the debt on that property whereas it would have been a lot bigger leap for me to say oh I want to start buying distressed you know multif family debt um which I know you could probably help me understand better but that you know it's like incremental progress and and and change isn't that scary so I kind of expanded my um you know toolbox if you will and got into the mortgage note space so we have a couple of note funds one is open um currently and they're they're they're   all for accredited investors um and uh the the income fund that's open pays a monthly uh aims to pay a a monthly uh per referred return I know you and a lot of your listeners are attorneys so I got to hold the line here and uh so the fund is structured to pay uh to aim to pay a a monthly return uh of 8% it's not a there's no growth in that fund it's literally a cash flow play and um diversification play you're putting your your capital in we buy assets across the country we we've bought notes in in probably 25 States at this point   um and so the investment is Diversified across Geographic areas across borrower types and um you know we buy for a certain yield we take a small management fee and then we um ideally uh pay a pay the preferred return that we're aiming for to our to our investors yeah nice 506c you're able to talk about it it's uh ACC credit investors only just want to throw that out there um so yeah I mean so just going back to the basics a little bit and we'll get back into the fund like how do you how do you even   find these things I mean how do you get started how do you find these things so I mean that is an ongoing challenge I'm not going to lie to you that's one of the the things that truthfully a a passive investor who doesn't have time to to develop the network to go find these assets they're just not going to have success um you know they might here and there but it takes time it's a it's a word of mouth industry just like real estate itself is and um so we've built out a network of of Sellers and you know that could   be quite honestly I I've never had luck buying directly from Banks it's really either a larger uh mortgage note fund that's closing so it might be a three-year fund and then they've got to they've got to liquidate they've got to figure out how to sell off what to do with these assets um and so that's a great opportunity to buy is just a fund that's closing or somebody a note investor who's getting out of note investing or they've had a life change or something um you know where they just uh there's an opportunity to buy from   them as well um and so there there are other you know I guess we buy from hedge funds note investors other note funds um those are there are also note Brokers as well out there um there are also some online exchanges like paper stack and a couple of others that you can go and I've bought and sold on on paper stack and other exchanges as well um and you know you can you can find assets there um but at the end of the day we have our list that we list of people that we work with regularly and I would say one thing   is that doing due diligence on a note seller is just as important as uh due diligence on the assets that they're selling and so it's it's taken some work and it's it's a work in progress always um but it is the million-dollar question is where do you where do you find these assets yeah so that's that's the hard part right that finding these assets is the hard part um have you ever had to foreclose on on any of these notes and actually acquire the property and I guess a followup question is do you ever   look at a non-performing note like hey I actually want to own that property great questions yeah great questions um to be clear we're not trying to kick people you know Grandma out on onto the street or anything like that um you know that's not our our goal typically well that's never our goal but we're never trying to kick someone out of their home um but the reality is some people honestly need a little bit of a kick in the pants and often times that's not really the best them staying in the house is not often   The best scenario for them I know that might sound sound harsh but at the end of the day if someone can't afford to live somewhere sometimes these people are living in squal and they really need a change of of environment um to answer your question about do we target the property yes sometimes we do in fact we just closed on two they're called uh heckum loans or reverse mortgages where the borrowers are deceased the property is underwater meaning you know the the loan amount is high greater than the   property value and it should be a quick exit through the property so HUD will sell off these uh big pool of of reverse mortgages and we were able to purchase two of them very recently it's a vacant property you're not doing an eviction borrower is deceased you've got to work through the airs or or foreclosure um and get and exit the property that way um if your listener wants to go to my website I've got a really good um it's a Jacksonville blog post I've got a couple of blog posts about this deal I still hold this rental   today and it was a non-performing note that we purchased a few years ago and um I had no intention of exiting through the property or holding holding the the property as a rental property but uh running the numbers it just was too good to to let go and so long story but we we uh you know ended up doing a deed in Lee of foreclosure actually in this case and got the property back and now it's a long-term Buy and Hold property for my own rental uh portfolio yeah that makes sense that makes sense there's there's always   multiple ways to look at an investment right um but it does sound you know is not something that that I've executed on myself but it sounds like this is an active business right and that's why you've put together an income fund for people that want to get involved passively um because as as everybody knows there's active Investments there's passive Investments if you're going to do something active maybe your returns are going to be a little bit better but you're going to give up a lot of time and effort to to get those returns   um so if you want to go to the passive side if you if you're still full-time in your career you're you're a full-time doctor or lawyer or or whatever you are you know these passive Investments are the way to go without having to know every single detail about a new business yeah and I don't know if you can see this but I I wore this specifically for your for this show there it is there it is passive income um you're absolutely right you know these gurus some of the some of the node investing gurus out   there will try to sell you know notes as passive um we have another blog post that talks about uh just the it's a spectrum there's active and passive on either end but at the end of the day if you're gonna node investing in my world is very very active and we have a non-performing note fund that's considerably more active than the Performing note fund so um you're dealing with foreclosures bankruptcies deed and L tracking delinquent property taxes do I have to physically go anywhere no but it is not passive um but   that's why we offer the passive investment to for you know people who like you said have maybe more Capital than time or energy and they want to put that Capital to work that's right there there are certain gurus out there that you know whatever it is that they are pitching it's they they tend to always pitch it as as passive even though it is an active business whether that's ma money yeah whether that's a mortgage note or I mean people pitch Airbnb short-term rentals as passive they're like well you can delegate this and you   can you know you can automate that and there's software for all these things but you still got to put all that stuff together you've still got to monitor all those things you you've still got to you still got to oversee all these different aspects of a business and that's what it is it's a business that you're running and it's not passive like it's not it's not and and it is on a spectrum some things are more passive than others but when you're inves in you know as a passive investor into some sort of a   fund or a syndication that's really leaning really far into the the passive side absolutely 100% and I and I'm as you are Seth I'm I'm I'm I I assume you are I know you're an active investor but I I do have passive Investments myself in other other funds other note funds and and my own my own note funds as well and so nothing wrong with doing both but I would say you need to be careful about you know you got to make a decision at some point do you want to scale this thing and and make this really a   business or do you do you are you satisfied with potentially a little bit lower return and you are giving up some control but much you know much fewer headaches and just a lot less work right right yeah and a lot of you know a lot of the listeners are high income earning professionals so they've already dedic put a lot of time and effort into being able ble to earn this much money from their W2 and absolutely that's probably your best bet to be honest with you I've been there I was in those shoes you're   probably better off putting your head down like let's grind for a few years let's let's not spend every single dollar that we make on all the new stuff on a on a new car every two years or every year in a bigger house that you don't need like let's set aside some of that and invest it passively and then maybe one of those will stick maybe one of those passive investments will be a mortgage note fund where you're like man I kind like this business like I like the sound of it I've learned about it   and then you start maybe progressing on the active side and maybe that takes over and and you want to get into that as a as a business as an entrepreneur but um a great way to kind of dip your toe in the water is to become a passive investor um that's the way that I did it into you know multif family syndications I invested passively in a number of deals first and kind of learned about it learned the ropes and I'm like I can do this and then that's when I made the transition yeah definitely it's it   really comes down to what you what your goals are and what your situation is for sure I I'll say I was too passive initially when I went into notes um because personally I just don't you're you're you were probably a little better student Seth not that I was a bad student but you know I I invest unless I'm actively in investing you know I'm just not going to learn a lot so the reality is yeah it's fine to learn about the asset class you definitely should learn about the operator for sure if you're putting Capital with them but   you're not going to once you're getting your checks and your dispersements you're not going to probably learn a whole lot about how to do that on the active side and so that's what we're here for yeah yeah it's more of like a spark of an interest right like may you already have that spark and then you invest passively then you're like okay well now I'm invested like let me learn about this you have to you have to actively go out there and educate yourself and network and talk to people that are in the business definitely 100   per. all right man before we jump into the Freedom Four you have one last gold nugget for our listeners oh man um I would say within when it comes to investing um you know take the long-term view um don't chase immediate returns um you know I do think just yeah it's certainly we all want to make a million dollars tomorrow but I think it's it's play the long game when it comes to investing I think that's critical love that man all right let's jump into the Freedom Four what's the best thing you do to keep your mind body   healthy yeah I mean one thing that I instituted this year actually um is breath work and it's um you know it's so it takes 10 minutes um and per day for me at least and it's been phenomenal and it's something that quite honestly as a as a you know athlete back in the day or even in the military I would have scoffed at something like this to be honest with you because it's just you know it's not manly or whatever it's like it is phenomenal so uh breath work I mean I do other things for sure but that's certainly this year it's been a   game Cher for me I just feel like it resets my central nervous system and it just gets me focused and uh I know there are other physiological benefits that you can ask uh Dr Andrew huberman or somebody else about cool I have to look into that actually have I mean obviously everybody talks about it's a Hot Topic I haven't gotten into it I haven't gotten into that plus like the cold plunges and that sort of thing um but I really want to explore that a little bit I don't know how much you can cut this out if we   don't have time but I had a I'm just going to be be open about this I just had a you know in late December I got a viral infection like a neuro virus and then I had I had a what I think was a pretty severe panic attack and it was super scary and so that's why I started uh doing this and somebody on my team actually sent me a a I guess we'll call it an implement or a tool that uh I use for the breath work it's BL there's a Bluetooth connection to your phone and it's pretty cool so it's structured and   back to that discipline right but um yeah so it's there was a reason I started doing it and um it's it's so accessible five to 10 minutes a day you can start doing it so yeah very cool highly recommend cool thanks for sharing that man um with all your success what is one limiting belief that you've crushed along the way and how did you get past it um I think just uh you know being afraid to you know that you have to be perfect right so um I used to be an editor back in the day and so many things would just not get done   or not get completed within our team our organization um because it had to be perfect and and it's like I think as I've progressed into more of the entrepreneurial lifestyle and and uh it's just it's not a it's not an option anymore um so um yeah I think just taking action has kind of overcome that limiting belief of of of chasing Perfection yeah yeah I can I can I can agree with you there done not perfect um as you know my background as an attorney I mean we're we're paid to be perfect like we can't make mistakes especially   in contracts and the way that we write things but when you kind of make that transition over to being an entrepreneur there's too much there's too much to to be to be perfect you got you just got to get it done good enough absolutely good enough has to you have to be open um willing to accept that for sure y what's one actionable step our listeners can do right now to start creating more freedom so I'll use the military here you can um which is where I learned U kind of reverse backwards planning reverse   planning so literally just and I'm not going to tell you I'm perfect at this um but you know think about what create a vivid vision for your life in in the next three to five years pick a pick three years out from today and what do you want your life to look like and then backwards plan and now I'm not saying you need to plan every minute of every day but you can be that will that will increase the urgency uh sense of urgency in your life and the intentionality of every every hour and every day because you realize this is   doable but I got to take ownership of of my current situation if I want this to be the reality in three years so I would say create a vivid vision and and kind of reverse or backwards plan to get there perfect perfect last but not least how has passive income made your life better yeah I mean I think in multiple ways but a big one that stands out is is giving me I guess we'll call it margin um to take some more risks on the entrepreneurial side and because I do have alternative sources of income   passive income um it's allowed me that kind of mental and financial bandwidth or margin to maybe invest in a company that even if it doesn't per go perfectly it doesn't go well it's not profitable that's okay I still have that cushion um for for me and my family so that's yeah it's a huge it's been a huge factor in that regard yeah absolutely Game Changer man it just changes your mindset changes your life in so many ways uh Jamie this has been incredible dude you've got so much great content to to share in your   brain man you got to get it out there um I know you've got an awesome podcast that I was on adversity to abundance everybody should check that out um other than that Jamie where else can people find out more about you yeah just two things I'll mention very quickly uh literally got my book delivered today like an hour before I hopped on here it's uh from adversity to abundance it is based on the podcast so I encourage your listener to check that out from adversity to abundance is the book that's out and then Labrador   lending.com l b r a d o r.com is where you can check us out all right man awesome I'll drop all that in the show notes thanks again for coming on brother thanks for having me Seth this has been great Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=t6nU0TtMAFc https://www.instagram.com/p/C2sKtrAPX50/ https://www.facebook.com/permalink.php?story_fbid=pfbid029mGsZgw2DFvrvFV6QPkwf2U2ewUxCGoRmnjGvuBicaWmM9oHWbemP7NCVFFXz8jxl&id=100089126144055   Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en   Jamie Bateman's Links: https://x.com/batemanjames https://www.facebook.com/batemanjames https://www.threads.com/@batemanjames11? https://www.instagram.com/batemanjames11/ https://www.linkedin.com/in/jamie-bateman-5359a811/ https://labradorlending.com/about/

Drs. M. Ali Khan and Ajay Kuriyan join to discuss the current sentiment in the retina community regarding geographic atrophy treatment, specifically complement inhibition. Relevant Financial Disclosures: Dr. Sridhar has consulted for both Apellis and Iveric Bio in the past 3 years. You can claim CME credits for prior episodes via the AAO website. Visit https://www.aao.org/browse-multimedia?filter=Audi

The State of Geographic Atrophy Around the Globe: Part 1 of 2 DES: For what pathophysiologic reasons is targeting the complement pathway a viable therapeutic route for treating geographic atrophy? And which pipeline therapeutic approaches could be useful to patients in the future? Anat Loewenstein, MD is joined by a world-class trio of retina specialists—Daniel Ting, MD, PhD; Paulo Eduardo Stanga, MD; and Patricio G. Schlottmann, MD—for a discussion exploring the state of play in GA from a global perspective. This podcast is part 1 of 2. 

Anat Loewenstein, MD; Paulo Eduardo Stanga, MD; Patricio G. Schlottmann, MD and Daniel Ting, MD, PhD, pick up where they left off in our previous episode, further exploring the value of setting expectations for patients with GA in nations without wide access to complement inhibitors. They also comment on which therapeutic approaches can be employed now and look toward possible forthcoming treatments. This podcast is part 2 of 2. 

Episode 250 of The Smart Agents Podcast features Ryan Smith, founder of Launch Your Farm and a leading educator in geographic farming for real estate agents. With 17 years of experience in the industry and nearly six years coaching agents nationwide, Ryan has helped thousands build profitable, hyperlocal businesses rooted in long-term strategy and meaningful community connections.He breaks down what most agents get wrong about farming—and how to fix it. From choosing the right neighborhood to measuring performance and building trust, Ryan offers a clear, repeatable system that agents at any level can follow.✅ How to evaluate and choose the right area to farm✅ Crafting a message that builds trust and stands out✅ Building systems that blend automation with authentic relationship-building

Americans are divided by geography. Most of us live in overwhelmingly red or blue Congressional Districts. We are less likely than ever to know someone from the other side of the political spectrum. We are often misinformed about what members of the other tribe actually believe. In this episode we speak with Kirk Tatnall, Starla Brown, and Cade Smith about a Braver Angels exchange program. Participants from New York City and Jackson, Mississippi visited each other over two weekends. They held workshops and meetings, engaging in discussions across differences.“I just have a fundamental underlying belief that you cannot understand someone else unless you know them,” Kirk Tatnall told us. “You cannot really get to the motivations and the passions and the drive of other people until you see how they live.”The exchange began with the idea that only by coming together physically - in each other's backyards - can we begin to understand the other side.“We got to know each other, and we were allowed to be vulnerable in a very safe, wonderful environment,” said Starla Brown. “Being able to be vulnerable with people who don't agree with you is empowering.”Exchange participants learned about two very different parts of the country, and engaged with people not like them. “It's not just speaking. It's being open to seeing someone in a completely new light, and if you do you can never see them the old way,” Cade Smith told “How Do We Fix It?”This podcast is our latest to report on the people, projects, and ideas of Braver Angels, who aim to restore the American spirit of working together.Our guests:Starla Brown is the current State Director for Americans for Prosperity's Mississippi Chapter. Starla is a 5th generation Mississippian and spent a portion of her life in South Florida where she worked in the construction industry and marketing development, as well as with the Florida chapter of AFP. Kirk Tatnall has been a New Yorker for most of his adult life. His career in advertising has spanned the digital marketing era and he continues to focus his time at the crossroads of media, data and adtech to deliver cross-channel television solutions. He is a husband and father to an adult son who continues to seek out reconciliation across a deeply divided nation.Cade grew up in Grenada, Mississippi and is the Assistant Vice Chancellor for Access and Community Engagement in the Division of Access, Opportunity, and Community Engagement at The University of Mississippi. His work includes advancing the formation of collaborative partnerships between UM scholars and communities. He is also responsible for building bridges across divided communities through dialogue, education, and scholarly inquiry. Hosted on Acast. See acast.com/privacy for more information.

Drs. Modi and Dedania discuss imaging, biomarkers, and diagnosis in geographic atrophy, as well as current therapies and those in late stage clinical trials.

Michael Fanning - Windermere Ask a Coach Podcast HostDavid RushExperience: 35 years in real estate (since 1990)Market Area: Green Lake and surrounding Central North Seattle neighborhoodsBusiness Focus: Sphere-based business serving longtime clientsContact:Jill SjolinExperience: 25 years in real estateMarket Area: Woodinville office, serves 405/I-5 corridor from Seattle to Skagit and San Juan countiesSpecialties: Second homes, island properties, boating clientsBackground: Former Nordstrom employeeContact:Rebecca EspinozaRole: Windermere Relocation Referral Services CoordinatorExperience: Since late 2015Service Area: Manages referral placements across Windermere's footprint and beyondContact:Host introduction and guest backgroundsMarket areas each agent servesOverview of Windermere's geographic footprintDavid's early experience trying to manage referrals independentlyThe importance of not working outside your expertise areaJill's confidence in Windermere's network qualityComparison to "Nordstrom of real estate companies"Flexible communication options with referring agentsSame-day referral placement examplesRebecca's quick response times and problem-solvingCase study: Last-minute weekend referral successInternational referral capabilities and challengesDavid's story about Vashon Island referral replacementJill's experience with client preference mismatchesRebecca's immediate response to issuesImportance of follow-up and trackingAverage referral fee: $3,200Potential annual income from 4-5 referrals"Surprise check" factor - passive income benefitImportance of detailed client information gathering2-business-day turnaround standard (often within hours)Geographic scope: Domestic US coverage, some internationalLeading Real Estate Companies of the World partnership30-day follow-up protocolAdministrative handling and payment guaranteeCost structure: 30% referral fee (20% to referring agent, 6% to network, 4% to department)Conversion rate: 89% vs. 25% industry standard for self-placed referralsAdvice for agents considering DIY approachComparison to FSBO seller mentalityIntegration into listing presentationsSphere of influence opportunitiesRetirement relocation trendsMultiple-destination shopping supportJanet Weldon for Eastern Washington, Idaho, and MontanaEncouragement for both agents and potential relocating clientsFinal advice and contact details for all guestsCall to action for ratings and topic suggestionsHost contact: fanning@windermere.comProfessional referral services provide higher conversion rates (89% vs 25% self-placed)Average referral fee of $3,200 creates significant passive income opportunityQuick turnaround times (often same-day placement in populated areas)Comprehensive geographic coverage across domestic US with international capabilitiesBuilt-in quality control with problem resolution and agent replacement when neededAdministrative burden removed from referring agents with full tracking and payment handlingLeading Real Estate Companies of the World networkWindermere's franchise footprintInternational referral partnerships"Getting Referrals Without Asking" by Stacy Brown RandallFor more episodes and coaching resources, visit the Windermere Ask a Coach podcast series.

Step into a world of ancient intrigue as we uncover the astonishing discovery of over 200 hidden doors within the Great Wall of China. But that's just the beginning! #GreatWallSecrets #GeographicDiscoveries #ExploreTheUnknown Learn more about your ad choices. Visit megaphone.fm/adchoices

A special live episode of our sister publication, Expected Goals, hosted by Maggie Murphy and Matt Cutler.Sponsored by Evelyn Partners. Expected Goals Live - Investment in Women's FootballEvent Summary & AnalysisThis live podcast episode from Expected Goals captured a pivotal moment in women's football investment, featuring industry experts discussing the money flowing into the sector and entrepreneurs pitching their businesses.Chapter 1: The Investment Panel - Who's Writing the Cheques?Participants: Nikki Boyd (Sphera Partners), Richard Thomas (Octo Sport), Olivia Hall (Firebird Collective), Anne Rodriguez (Pitch Wise Holdings)The panel revealed the sophisticated criteria investors now apply to women's football opportunities. Geographic positioning emerged as crucial - not just population size, but competitive landscape and heritage matter. The emphasis on academy programs signals investors are thinking beyond immediate returns to long-term player trading revenue, even though million-pound transfers remain elusive.Chapter 2: Global Hotspots - Where the Smart Money is GoingThe US market drew mixed reactions - acknowledged as having momentum but potentially overvalued. Europe, particularly the UK, emerged as the consensus sweet spot, with Australia flagged as "massively undercooked" commercially.The debate over closed versus open leagues revealed philosophical differences, with some investors preferring the security of closed systems while others saw promotion/relegation as adding necessary competitive tension.Chapter 3: Beyond Clubs - The Ecosystem PlayInvestors are increasingly looking beyond traditional club ownership to leagues, media companies, and ancillary businesses. The recent investment in the Upshot League (US women's basketball) exemplifies this approach - backing established operators entering structured ecosystems rather than entirely new concepts.Chapter 4: Advice from the Money - What Entrepreneurs Need to KnowThe panel's counsel was brutally practical: come with more than PowerPoint presentations. They want to see contracts, data, and proof of concept before writing cheques. The emphasis on resilience reflects the reality that this remains a marathon investment thesis.Chapter 5: The Broader Sports Landscape - Opportunities and ThreatsDiscussion expanded beyond football to sports like netball, volleyball, and emerging Olympic sports. The fragmentation risk in US volleyball - with four leagues competing for the same market - serves as a cautionary tale about premature market splitting.Unofficial Partner is the leading podcast for the business of sport. A mix of entertaining and thought provoking conversations with a who's who of the global industry. To join our community of listeners, sign up to the weekly UP Newsletter and follow us on Twitter and TikTok at @UnofficialPartnerWe publish two podcasts each week, on Tuesday and Friday. These are deep conversations with smart people from inside and outside sport. Our entire back catalogue of 400 sports business conversations are available free of charge here. Each pod is available by searching for ‘Unofficial Partner' on Apple, Spotify, Google, Stitcher and every podcast app. If you're interested in collaborating with Unofficial Partner to create one-off podcasts or series, you can reach us via the website.

12 core reasons why you can trust that the Bible is God'sWord to us. Do you know these 12? Memorize these because you can use them toshare the gospel with unbelievers and doubters. Reason #5 of 12.here are bullet points on why it's amazing (and supports its truth) that the Bible was written on three different continents:Geographic diversity: Written in Asia, Africa, and Europe, yet maintaining one unified story about God's redemption plan.Cross-cultural consistency: Despite spanning vastly different regions and cultures, the Bible's core message never changes.Impossible human coordination: People separated by oceans and continents could not naturally produce such a cohesive, consistent book without divine inspiration.

The primary discussion revolves around the Idaho shooting, which the speaker suggests is "likely a hoax" and part of a "psychological warfare" operation. Key points raised regarding the Idaho incident include:Geographic and Date Coincidences: The shooting occurred in Coeur d'Alene, Idaho, known as "ground zero for the Aryan Nations". The event's timing coincided with the anniversary of the "Aryan Inferno" in 2001, where local firefighters burned down the Aryan Nation's security house as a training exercise. This date also falls "several weeks after 6-11-01, which is when Timothy McVeigh was executed".Suspect Details and "Red Flags": The alleged shooter, Wes Riley/Rowley, is a 20-year-old who reportedly wanted to be a firefighter but ambushed them after starting a wildfire. The speaker points to "red flags," such as the shooter's stepdad being an "Army Cavalry Scout biker gang member" with a "Nazi code" (1488) on his knuckles and an "anti-terrorism certification with the State Department". These details, along with the rapid and hyped media coverage and the sheriff's unusual suggestion for citizens to engage the shooter, lead the speaker to believe it's a "story being rolled out".The "Hoax Code": The number "33" is frequently cited as a "hoax code" for insiders, appearing in the 33-year anniversary of Ruby Ridge and the 33 state police officers commended for their response to the Trump assassination attempt.The program expands on broader themes of psychological operations (PSYOPs) and media manipulation:Integrated Institutions: The speaker asserts that "all of these psychological operations do make use of your fire departments, your police departments, as well as the integration with the DHS and the media". It's suggested that "the firefighters are the perps" in events like the "9-11 hoax," which was a "drill that was sold to the public as a real terror event"."Informed Disbelief": The program advocates for "informed disbelief" as an "updated operating system" for consuming media, moving beyond "low information believers" who rely on headlines. This approach seeks to separate "real from fake" through "clear-headed reasoning".Critique of Conspiracy Theories: The speaker criticizes certain conspiracy theories, such as "chemtrails," as "long-debunked" and propagated by "paid shill[s] or propaganda mule[s]". Claims like "everything is fake" are dismissed as "shallow" and a "CIA narrative designed to discredit what we're doing". The "elite gender inversion" claim is also deemed "ridiculous" and "disinformation". JFK Assassination: The speaker notes a largely unnoticed 2023 Vanity Fair article revealing that JFK had "staged his own murder" in a 16-minute silent home movie with his wife, Jackie, two months before his actual assassination, which included him lying "on the ground covered in Heinz 57 ketchup". Here are five quotes from the transcript:"The purpose of this is continuity. I can't always make it to the studio, but I always have a lot to say because there's always a lot happening. And to stay in sync with it, to remain informed, I think it's important to keep some kind of communication going here.""The psychological warfare and how this thing in Idaho is likely a hoax based on certain things that happen to coincide with it.""I'm making these statements in full awareness that these victims are fake.""The fact of it is all of these psychological operations do make use of your fire departments, your police departments, as well as the integration with the DHS and the media. It is super integrated and there are sellouts in all of these institutions.""Yeah, 33 state police officers recognized for a response to Trump assassination attempt. 33. Why is that? Again, I think you all know the answer. It's the hoax code. It's so the insiders know not to take it too seriously. So they know it's a plot change, a plot twist."

This episode is another retina-focused EyeNovation episode featuring Prof. Robyn Guymer who presented an in-depth discussion on the SIRE sign, assessment of visual function in Geographic atrophy and also current GA trials and treatments.   YouTube link: https://youtu.be/p-R4_OsuGKE  

Vanessa Cominsky joins Case and Sam to RAGE against this awkward historical epic! Overview Podcast hosts Case Aiken and Sam Alicea provide a framework for discussing the 2004 film Troy, highlighting its connection to early 2000s epic films like Gladiator and 300. Vanessa Cominsky, a guest and classics major, notes a 4-year professional bond with Case stemming from shared academic interests. David Benioff, the film's screenwriter, is discussed in relation to his later work on Game of Thrones and identified issues in narrative depth. Whitewashing criticism surfaces regarding the film's predominantly white cast, despite its story set in a historically diverse region. Analysis reveals a lack of clear passage of time, compressing the depicted 10-year Trojan War into a brief narrative span. Costume design receives praise for historical accuracy while the film's runtime discrepancies are critiqued, with the director's cut deemed excessive. Thematic exploration includes Agamemnon's characterization as a villain symbolizing US imperialism, contrasting with sympathetic portrayals of the Trojans. Sean Bean's potential as Odysseus is noted but criticized for underutilization, while Peter O'Toole's Priam provides limited but impactful performance. Improvement suggestions include altering the title to better reflect Achilles' journey and revising the narrative structure to enhance character development. Upcoming initiatives include a scholarship program for women in wine, launched by Vanessa Cominsky's nonprofit Vin Vitalite in 2025. @vminsky @womenofwinedc Www.vinVitalité.org (Pronounced vinn vitahlihtay) Notes ️ Podcast Introduction & Setup (00:00 - 02:45) Hosts Case Aiken and Sam Alicea introduce the 'Another Pass' podcast, discussing movie analysis and improvements. Guest Vanessa Cominsky introduced as Case's coworker from wine/spirits industry and fellow classics major. Discussion of 4-year professional relationship and bonding over classics background. Movie Context & Background (02:45 - 09:38) Analysis of 2004 film Troy as adaptation loosely based on oral tradition. Discussion of movie within context of early 2000s epic films including Gladiator, 300, and Lord of the Rings trilogy. David Benioff identified as screenwriter, connecting to later Game of Thrones writing style issues. Observation that Odysseus character tells audience he's clever but never demonstrates intelligence in actual scenes. Political interpretation: movie reflects 2004 centrist liberal perspective on Middle Eastern conflicts with 'support the troops' messaging. Film Production & Casting Analysis (09:38 - 19:22) Vanessa's personal connection: used movie for high school Latin convention project and senior thesis. Whitewashing criticism - movie depicts conflict between Greece and Middle East with entirely white cast. Brad Pitt as main marketing draw playing Achilles in peak popularity period. Case's viewing experience in Rome during classics trip, creating nostalgic connection to material. Story Structure & Adaptation Choices (19:22 - 28:32) Movie covers broader Trojan War story rather than just Iliad, including Trojan Horse sequence not in original epic. Brian Cox as Agamemnon praised as perfect casting choice despite whitewashing issues. Discussion of movie's approach to gods - humans take credit for actions rather than divine intervention. ️ Character Analysis - Heroes and Villains (28:32 - 38:14) Agamemnon positioned as main villain representing US imperialism, while Trojans portrayed sympathetically. Hector vs Achilles juxtaposition works well as respective champions of each side. Orlando Bloom as Paris criticized as too whiny and lacking roguish charm needed for character. Eric Bana as Hector praised as everyone's 'big brother' figure and moral center. Production Design & Technical Elements (38:14 - 47:42) Costume design highly praised for historical accuracy and visual distinction between Greeks and Trojans. Director's cut vs theatrical cut - director's cut too long at 3 hours 16 minutes with unnecessary gore. Runtime issues - theatrical cut feels rushed while director's cut is excessive. War Portrayal & Geographic Issues (47:43 - 56:37) Time compression problem - 10-year war feels like weeks or months with no passage of time indicated. Troy's geography poorly established - unclear city layout and siege logistics. Siege warfare portrayed as single-direction battle rather than comprehensive blockade. Thematic Elements & Religious Context (56:38 - 01:05:46) Gods' role minimized to hint at divine influence without direct intervention. Moral philosophy embedded in Achilles-Briseis conversations about mortality and divinity. Historical accuracy questioned regarding Bronze Age vs Classical Greek terminology and social structures. Casting and Performance Critique (01:05:46 - 01:15:32) Sean Bean as Odysseus underutilized despite perfect casting choice. Peter O'Toole as Priam noted as big casting choice but limited screen time. James Cosmo casting questioned as underused Trojan general. Improvement Proposals - Sam's Pitch (01:15:32 - 01:26:16) Title change to 'The Wrath of Achilles' to better reflect actual story focus. Sean Bean expansion - more scenes showing passage of time and war strategy. Runtime reduction - cut Trojan perspective to focus on Greek side and Achilles' journey. Narrative structure - use Odysseus as storyteller/narrator rather than voiceover. Improvement Proposals - Vanessa's Pitch (01:26:16 - 01:36:20) Scope change to focus on Achilles from moment Odysseus recruits him. Character development - establish Greek power structure and vassal relationships. Agamemnon characterization - emphasize him as villain representing imperialism more clearly. Improvement Proposals - Casey's Pitch (01:36:20 - 01:45:13) Geographic clarity - establish Troy's layout and siege positioning with additional CG shots. Time passage - visual indicators and dialogue establishing years-long conflict. Battle variety - different environments including sea battles and raids on surrounding areas. Violence balance - between theatrical cut's sanitization and director's cut's excess. Final Discussion & Wrap-up (01:45:13 - 02:05:58) David Benioff background revealed as Goldman Sachs executive's son, explaining Hollywood access. Vanessa's organization - Vin Vitalite, DC women in wine industry nonprofit with 501(c)(3) status. Scholarship program launching 2025 for women in wine industry. Next episode preview - Highlander 2: The Quickening.  

Exciting Investment Ideas in New Company Rankings. They include many great sustainable stock investment opportunities in companies outside the USA. By Ron Robins, MBA Transcript & Links, Episode 155, June 27, 2025 Hello, Ron Robins here. Welcome to my podcast episode 155, published June 27, 2025, titled "Exciting Investment Ideas in New Company Rankings.” So, this podcast is presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. Remember that you can find a full transcript and links to content, including stock symbols and bonus material, on this episode's podcast page at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, and I don't receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal any investments I have in the investments mentioned herein. Additionally, please visit this podcast's webpage for links to the articles and additional company and stock information. I have a great crop of 13 articles for you in this podcast! ------------------------------------------------------------- Article 1: Best Renewable Energy Stocks to Buy Before They Soar The first article I'm covering is titled Best Renewable Energy Stocks to Buy Before They Soar. It was found on industryleadersmagazine.com and is by Christy Gren. Here is some of what she says about her stock picks. “1. NextEra Energy (NEE): The Titan of Clean Utility NextEra Energy is the largest producer of wind and solar energy in the world. With its regulated utility, Florida Power & Light, and a massive renewable portfolio, it's often viewed as the safest bet in clean energy. Its long track record of dividend growth and strong balance sheet make it ideal for long-term investors… A mix of regulated revenue and renewable expansion gives NextEra Energy both stability and upside—a rare combination in energy. 2. Brookfield Renewable Partners (BEP): Global Diversification at Scale With operations spanning North America, South America, Europe, and Asia, Brookfield provides broad access to hydro, wind, solar, and energy storage. As one of the largest pure-play renewable stocks to invest in, its long-term contracts and conservative financials make it a wealth-building machine… Geographic and technological diversification cushions against regulatory and market risk, offering solid growth and income. 3. Enphase Energy (ENPH): Dominating Solar Tech Enphase isn't building solar panels, it's redefining how they work. Known for its cutting-edge microinverters and energy management systems, Enphase benefits directly from residential solar growth and rising energy storage adoption… Technology leaders in fast-growing niches often outperform. Enphase is a pure play on smarter, more efficient solar power. 4. First Solar (FSLR): America's Solar Manufacturer While many solar companies outsource manufacturing, First Solar produces its panels in the U.S., making it a key beneficiary of domestic subsidies and reshoring trends. Its cadmium telluride technology offers cost and performance advantages over traditional silicon-based panels… Vertical integration and domestic production give First Solar a geopolitical edge in a competitive global market. 5. Plug Power (PLUG): Hydrogen's Bold Bet Plug Power is a leader in hydrogen fuel cell technology for vehicles, industry, and power generation. Though not yet profitable, its partnerships with Amazon, Walmart, and global logistics players show real market traction… High-risk, high-reward plays like Plug Power can deliver outsized returns if you're patient and can handle volatility. 6. Tesla (TSLA): More Than Just EVs While known for electric cars, Tesla's energy division is growing fast. Its solar roofs, Powerwall batteries, and massive grid-scale storage projects position it as a holistic clean energy provider, not just a car company… Disruption comes from companies that integrate hardware, software, and infrastructure. Tesla's renewable arm could be its next trillion-dollar story. 7. Clearway Energy (CWEN): Clean Power, Reliable Dividends Clearway owns a mix of solar and wind farms across the U.S., with long-term contracts that ensure predictable income. Its focus on dividend-paying renewable assets makes it ideal for conservative investors looking for income and impact… Not every green investment has to be high-growth. Clearway offers stability and passive income in a volatile market. 8. Albemarle Corporation (ALB): Powering the Battery Boom Albemarle is a leading lithium producer, supplying the battery materials that power electric vehicles and grid storage. As the backbone of clean tech, lithium demand is projected to surge in the coming decades.” Sometimes the best renewable energy stocks for growth aren't utility companies, they're the suppliers fueling the ecosystem.” End quotes. ------------------------------------------------------------- Article 2: Looking to Gamble on Hard-Hit Solar Stocks? This Is the Top-Rated Ticker Now My second article continues the renewable energy theme. It's titled Looking to Gamble on Hard-Hit Solar Stocks? This Is the Top-Rated Ticker Now. The story was found on finance.yahoo.com and is by Pathikrit Bose. Here are some of his thoughts about his stock pick. “If President Donald Trump's ‘Big Beautiful Bill' passes, it would not be so beautiful for companies in the solar industry. This reality was evident in the meltdown that solar stocks witnessed on news that the Senate version of the bill looks to fully phase out both solar and wind power tax incentives by 2028. So, where does that leave First Solar, whose shares have corrected by nearly 18% already this year? In a pretty good place, if analysts are to be believed. First Solar (FSLR) First Solar specializes in large-scale utility solar projects and integrated photovoltaic (PV) systems. The company designs, manufactures, and sells CdTe thin-film photovoltaic modules and is the only major solar manufacturer headquartered and producing in the U.S. Its market cap currently stands at $15.4 billion, making it one of the largest companies in the industry. Now, there are some valid reasons for First Solar stock's decline with the ‘Big Beautiful Bill'… With such legislation pending, investors fear that developers may cancel or delay new solar installations, shrinking First Solar's total addressable market. Consequently, this may hurt project bookings and revenue visibility for First Solar. However, I reckon First Solar's correction has been overdone, and projections about its downturn extending further are misplaced. Why? Let's have a closer look. First Solar's Financials Are Not That Worrisome First Solar has had a tough time in recent quarters as its earnings have missed estimates, with the latest quarter even seeing the company's earnings witness a yearly decline. However, its net sales did surpass the Street estimates and rose on an annual basis, accompanied by a decrease in short-term debt… Management remains confident about the company's long-term prospects based on its ‘Made in USA' strategy with CEO Mark Widmar commenting, ‘Despite the near-term challenges presented by the new tariff regime, we believe that the long-term outlook for solar demand, particularly in our core U.S. market, remains strong, and that First Solar remains well-positioned to serve this demand. This belief is based on the unique profile of First Solar compared to its peers, as America's largest, and most established solar module manufacturer, and the country's only fully vertically integrated producer, our significant network of domestic supply chain vendors, and our proprietary CadTel-based semiconductor.' Shining Light in a Growing Industry First Solar appears poised to win the battle for solar industry dominance for a few reasons. First is its unique CdTe thin-film solar technology, which gives the company a distinct advantage by insulating its supply chain from the risks associated with China-dependent crystalline silicon. With roughly 95% of solar modules globally based on crystalline silicon, First Solar stands out as the only large-scale solar manufacturer with international reach using cadmium telluride technology… Another key strength is its strong domestic manufacturing base… The surge in artificial intelligence-driven infrastructure further plays to First Solar's strengths… First Solar's product line, especially its utility-scale thin-film modules, is particularly suited to meet the reliability and performance requirements of this growing segment… Analyst Opinions on First Solar Stock Analysts remain bullish on First Solar stock, assigning it a rating of ‘Strong Buy' with a mean target price of $211.81. This denotes upside potential of about 45.5% from current levels. Out of 31 analysts covering the stock, 25 have a ‘Strong Buy' rating, two have a ‘Moderate Buy' rating, three have a ‘Hold' rating, and one has a ‘Strong Sell' rating.” End quotes. ------------------------------------------------------------- Article 3: World's Most Sustainable Companies of 2025 Now, this next article is a great ranking of companies. It's titled World's Most Sustainable Companies of 2025 and found on time.com. The introduction is by TIME Staff. Here are some brief quotes from the article. “Statista and TIME have joined forces to identify the World's Most Sustainable Companies of 2025, aiming to highlight corporate responsibility and promote sustainable practices… The ranking process began with a comprehensive selection from over 5,000 of the world's largest and most influential companies, considering factors such as revenue, market capitalization, and public prominence… The first step excluded companies involved in non-sustainable industries like fossil fuels or deforestation. Additionally, companies appearing on negative lists related to sustainability issues, such as those identified as carbon majors or associated with environmental catastrophes, were automatically disqualified… The second step involved assessing companies based on external sustainability ratings and commitments from reputable organizations. Key criteria included CDP ratings, adherence to the UN Global Compact, alignment with the Science Based Targets initiative (near-term and long-term), inclusion in the S&P Global Sustainability Yearbook, participation in the UNFCCC Race to Zero campaign, and MSCI ESG & SRI evaluations… The final step involved researching various environmental and social Key Performance Indicators (KPIs) from companies' Corporate Social Responsibility (CSR) reports. See the full list of companies here.” End quotes. Note: the top 5 companies in the ranking are Schneider Electric (France), Telefónica (Spain), Brambles (Australia), Temenos (Switzerland), and Moncler (Italy). Interestingly, none of these top companies are from the USA. ------------------------------------------------------------- Article 4: These 50 Canadian corporations are carving out a more sustainable future My final article is titled These 50 Canadian corporations are carving out a more sustainable future. It's found on corporateknights.com, and the introduction is by Rick Spence. Though this will mainly interest Canadians, many companies cited might interest ethical and sustainable investors globally. Here is some of what Mr. Spence says in his piece. “The Best 50 ranking was first developed back in 2002 to track the sustainability journeys of Canada's most environmentally and socially conscious companies. This year's list shows that corporate Canada's ethical vanguard is not only actively reducing its carbon footprint, but finding new and creative ways to connect with their customers, create fairer workplaces and develop more prosperous and resilient communities… Yes, greenwashing and window-dressing still dominate the business landscape, but rankings like the Best 50 prove that progress is possible. Even the best companies have flaws. But on the whole, this list demonstrates that many Canadian firms are preparing themselves for increasing change and creating value by prioritizing transparency, innovation and action.” End quotes. Note: the top 5 companies in the ranking are Boralex Inc. (BLX.TO), Stantec Inc. (STN.TO), Innergex Renewable Energy Inc. (INE.TO), The Co-operators (private), and the Royal Canadian Mint (government-owned). ------------------------------------------------------------- More articles of interest from around the world for ethical and sustainable investors 1. Title: A Comparative Look at the Costs of Faith-Based ETFs on etftrends.com. By Elle Caruso Fitzgerald. 2. Title: Canada Sustainable Funds 2024 Review on morningstar.com. 3. Title: Best Halal Mutual Funds In India (2025 List) on tradersunion.com. By Alamin Morshed. 4. Title: JUST: ESG ETF Doing The Job, But Not The Best on seekingalpha.com. By Fred Piard. 5. Title: Goldman Sachs Launches Green Bonds ETF for Emerging Markets on carboncredits.com. By Aiden Green. 6. Title: Octopus Energy launches first African renewable energy fund on msn.com. By GlobalData. 7. Title: Top 10: Solar Energy Companies on energydigital.com. By Jasmin Jessen. 8. Title: Top Halal Stocks To Invest In Bangladesh 2025 on tradersunion.com. By Alamin M. 9. Title: Examining the Top 5 UK ESG Investment Funds on sustainabletimes.co.uk. By Georgina Thomas ------------------------------------------------------------- Ending Comment These are my top news stories with their stock and fund tips for this podcast, “Exciting Investment Ideas in New Company Rankings.” Please click the like and subscribe buttons wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these deeply troubled times! Contact me if you have any questions. Thank you for listening. I'll talk to you next on July 11th. Bye for now.   © 2025 Ron Robins, Investing for the Soul

This week on Swimming with Allocators, Earnest and Alexa welcome Brian Brackeen, Managing Partner at Lightship Capital. Brian shares his unconventional journey from tech founder to venture capital allocator. He discusses his vision for democratizing venture capital by investing in overlooked regions like the Midwest and challenging traditional investment biases, and emphasizes the importance of founder-focused investing, leveraging AI in fund management, and creating opportunities beyond coastal tech hubs. Key insights include his critique of performative DEI efforts, the potential transformative impact of AI across industries, and his belief that smaller funds in underserved regions can generate significant returns. Also, don't miss our insider segment as Idan Netser from Sidley law firm discusses how legal firms can serve as valuable connectors and advisors in the venture capital ecosystem, helping GPs and LPs network, make introductions, facilitate deal opportunities, and provide strategic guidance beyond traditional legal services.Highlights from this week's conversation include:Brian's Journey into Tech and VC (0:40)Motivation for Starting Anchor Fund (6:27)Geographic and Diversity Challenges in VC (8:13)Investment Strategy and Diligence Process (9:38)Fund Size, Target LPs, and Support Services (11:50)Decision-Making and Fund Selection (13:17)Insider Segment: Benefits of Legal Firms for VCs (15:57)Trends in VC and LP/GP Terms (20:18)How LPs Should Approach Emerging Managers (23:51)Traits and Diligence for Fund Managers (25:56)AI in Fund Diligence and Operations (29:36)AI's Future Economic Impact (32:52)Transferable Skills and Workforce Evolution (39:58)Anchor Fund's Long-Term Vision (44:54)Final Thoughts and Takeaways (45:50)Lightship Capital Anchor Fund is a fund-of-funds strategy dedicated to driving economic growth by investing in small businesses through venture funds and direct investments. With a focus on diversity and measurable outcomes, Anchor Fund supports fund managers across the Americas, Africa, and Europe, ensuring long-term financial success and community impact. Learn more at www.lightship.capital/anchorfund.Sidley Austin LLP is a premier global law firm with a dedicated Venture Funds practice, advising top venture capital firms, institutional investors, and private equity sponsors on fund formation, investment structuring, and regulatory compliance. With deep expertise across private markets, Sidley provides strategic legal counsel to help funds scale effectively. Learn more at sidley.com.Swimming with Allocators is a podcast that dives into the intriguing world of Venture Capital from an LP (Limited Partner) perspective. Hosts Alexa Binns and Earnest Sweat are seasoned professionals who have donned various hats in the VC ecosystem. Each episode, we explore where the future opportunities lie in the VC landscape with insights from top LPs on their investment strategies and industry experts shedding light on emerging trends and technologies. The information provided on this podcast does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this podcast are for general informational purposes only.

In El Salvador, where diabetes affects approximately 12.5% of the adult population, vascular surgeons like Dr. Fernando Javier Martínez Irigoyen face a daily battle against limb loss due to peripheral artery disease (PAD). While specific amputation statistics for El Salvador are limited, the reality in developing nations is sobering: • Patients in low-resource settings often present with advanced disease due to limited healthcare access • Treatment options for PAD are significantly constrained by availability of specialized equipment • Geographic and socioeconomic barriers can delay critical interventions that could save limbs Join us on the next episode of "The Heart of Innovation" as host Kym McNicholas and special co-host vascular technician Jill Sommerset interview Dr. Fernando Javier Martínez Irigoyen about: ✦ The unique challenges of practicing vascular surgery in El Salvador ✦ His fight to introduce cutting-edge treatments despite resource limitations ✦ The devastating impact of preventable amputations on patients' lives ✦ Innovative approaches to limb salvage in resource-constrained settings This conversation highlights a global health disparity that receives too little attention. Learn how dedicated medical professionals are working to change outcomes for patients at risk of limb loss in developing nations. - Don't miss this important discussion on saving limbs and lives! #LimbSalvage #VascularCare #GlobalHealth #ElSalvador #TheHeartOfInnovation

In this Ask Me Anything episode, Dr. Will Cole and his team dive deep into your most fascinating health questions - from whether getting your blood drawn can actually make you feel worse, to the viral claim that Lyme disease was engineered as a bio weapon. They also explore the functional medicine take on geographic tongue, and what it could be signaling about your gut, immunity, and nutrient levels. Plus, they address a listener's question about fatty liver: can it be reversed, or is it too late once scarring sets in? If you're curious about labs, latent symptoms, or what's really behind some of the most misunderstood health conditions, this episode is for you. For all links mentioned in this episode, visit www.drwillcole.com/podcastPlease note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Sponsors: If you're ready to truly nourish your skin and body from within, Pique is offering 20% off plus a FREE rechargeable frother and glass beaker with my exclusive link: Piquelife.com/WillCole. Go to beekeepersnaturals.com/WILLCOLE or enter code WILLCOLE to get 20% off your order. Beekeeper's Naturals products are also available at Target, Whole Foods, Amazon, CVS, and Walgreens.Get 5 dollars off your next order at MagicSpoon.com/WILLCOLE or look for Magic Spoon on Amazon or in your nearest grocery store.You can get an additional 15% off their 90-day subscription Starter Kit by going to fatty15.com/WILLCOLE and using code WILLCOLE at checkout.Go to Quince.com/willcole for 365-day returns, plus free shipping on your order.Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textStreet credibility comes under the microscope in this explosive confrontation as Power Just faces serious allegations about his character, prison time, and past actions. The tension is palpable from the opening seconds as Power launches into an impassioned defense of his name and reputation against accusations of cooperation with authorities – the most damning charge possible in street culture.At the heart of the dispute lies conflicting narratives about Power's 16-year federal sentence, with accusers questioning how his time was served and suggesting improper conduct with authorities. Power responds with detailed explanations of federal sentencing guidelines, writs, and the mechanics of the prison system, challenging his accusers to produce documentation rather than rely on rumors. "Send it in... stand on business, nigga, and show your face," he demands repeatedly, highlighting the street principle that accusations require evidence.The conversation takes an emotional turn when discussing Big Den, a deceased associate whose memory clearly matters deeply to Power. When questioned about his actions surrounding Den's death, Power's response reveals the complex loyalties and relationships that define street networks: "If I was gonna get a nigga knocked off, check my body of work... I wouldn't have let a nigga get in my fucking car." Through these exchanges, listeners gain rare insight into how reputation management functions in communities where one's name carries life-or-death significance.Geographic connections become a critical currency throughout the discussion, with references to specific neighborhoods, cities, and correctional facilities serving as shorthand for credibility. From Staten Island to DC, Baltimore to Virginia, these locations form a complex map of affiliations that both sides use to bolster their positions. Similarly, specific names are dropped as validators, with Power repeatedly referring to individuals who can vouch for his conduct both on the streets and behind bars.Whether you're familiar with street politics or simply fascinated by authentic conflict resolution outside mainstream channels, this raw exchange offers unprecedented access to how serious allegations are contested when reputation is everything. Listen as decades of street history collide in this unfiltered confrontation where truth, loyalty, and credibility hang in the balance.Support the showFollow our IG & Twitter for live updates @LFTGRadio

Interview with Kyle Floyd, CEO, VOX Royalty Our previous interview: https://www.cruxinvestor.com/posts/vox-royalty-tsxvoxr-strong-growth-potential-with-near-term-revenue-focus-5599Recording date: 27 May 2025VOX Royalty Corp has established itself as a distinctive player in the mining royalty sector by prioritizing fundamental value over commodity-specific strategies. CEO Kyle Floyd outlined the company's transformation from a single producing asset five years ago to a diversified portfolio of eight producing assets across nine ore bodies, while maintaining industry-leading return on invested capital.The company's acquisition strategy targets assets 2-5 years from production, allowing VOX to secure favorable pricing while taking calculated development risks. Floyd emphasizes that unlike competitors who "buy assets at one-times NAV and hope to benefit from optionality," VOX requires "value on the front end in terms of what we're buying and the ultimate net asset value attached to that asset as it stands today."Recent acquisitions exemplify this approach across different timelines. The Red Hill gold royalty, acquired in September 2023, represents a longer-term opportunity expected to generate "$15 million plus per annum" once Northern Star completes its $1.5 billion mill expansion within 18-24 months. Conversely, the producing Kanmantoo copper royalty acquired for $12 million offers immediate cash flow with significant expansion potential through a planned 60,000-meter drill program.VOX demonstrated strong financial performance in 2024, achieving record positive free cash flow and increasing 2025 revenue guidance from $12-14 million to $13-15 million. The company maintains a healthy balance sheet with $9 million cash against $11.7 million debt, utilizing 6.8% cost debt financing to fund accretive acquisitions.Geographic concentration in Western Australia reflects VOX's risk management philosophy, with Floyd calling it "the best mining jurisdiction you can possibly have exposure to as a royalty company." Current gold prices exceeding $5,000 per ounce in Australian dollars create favorable tailwinds for the portfolio.As Floyd noted regarding the company's enhanced capabilities: "If it rains gold, don't put out the thimble, put out the bucket. I think we're in a position now where the bucket's ready."Learn more: https://www.cruxinvestor.com/companies/vox-royaltySign up for Crux Investor: https://cruxinvestor.com

Derek Marsh joins Dr. Sandie Morgan as the two discuss leveraging financial tools and intelligence as core investigative strategies to disrupt human trafficking operations and improve survivor restitution outcomes. Derek Marsh Derek Marsh is the Associate Director of the Global Center for Women and Justice and a deputy chief with extensive law enforcement experience. He has been a frequent guest on the Ending Human Trafficking Podcast and led a recent roundtable discussion on following the money in human trafficking investigations. His background includes hands-on experience with trafficking investigations and a deep understanding of the collaborative approaches needed to combat these complex crimes. Key Points Financial intelligence serves as a core investigative tool that provides a clearer perspective of criminal organizations than traditional methods relying on confidential informants or victim testimony. Sophisticated money laundering patterns include funnel accounts, structured cash deposits, and geographically patterned movements that help traffickers hide the origin and legitimacy of their funds. Financial investigations can expose connections between what appear to be separate crimes, revealing larger criminal enterprises rather than isolated "mom and pop" operations. Suspicious Activity Reports (SARs) generated by banks when they detect unusual deposit patterns provide valuable intelligence for law enforcement agencies investigating trafficking operations. Advanced software tools like those from Valid8 Financial can visualize complex transaction flows and present financial data in comprehensible formats for courts, making cases stronger and easier to prosecute. Geographic analysis of financial flows reveals high-risk corridors between certain countries that banks monitor for potential criminal activity, such as Nigeria to Italy or Philippines to Europe pathways. Human trafficking investigations require multi-agency collaboration because finances cross jurisdictional boundaries as easily as phone calls or internet connections. Public-private partnerships with banks, corporations, NGOs, and faith-based organizations create interlocking layers of expertise that strengthen investigations globally. Financial tools enable law enforcement to seize assets and freeze accounts tied to trafficking operations, providing funds for survivor restitution that has historically been difficult to collect. Using financial intelligence reduces the burden on survivors to testify in court by providing concrete evidence that doesn't require victim testimony to prove criminal enterprise operations. The approach transforms financial intelligence into justice by treating human trafficking fundamentally as a financial crime that exploits people for profit. Training law enforcement on financial investigative techniques and providing AI-enhanced tools are essential since most officers lack accounting expertise needed for complex financial analysis. Resources Derek Marsh Valid8 Financial Roundable Notes (coming soon) 341 – Following the Money Transcript [00:00:00] Sandie Morgan: Welcome to the Ending Human Trafficking Podcast. This is episode number 346, leveraging financial tools to disrupt human trafficking. I am very happy to be joined here in the studio by. Global Center for Women and Justice Associate Director, deputy Chief Derek Marsh. [00:00:28] We have been working together for a very long time and he's been a frequent guest here on the podcast, so I'm not going to include a bio, but you can go back to the website and learn more from his perspective. By just searching our episodes with the name Derek Marsh. So we're gonna dive right into the financial aspects. [00:00:53] We recently interviewed David Tyree on following the money and we talked to, um, district [00:01:04] Attorney [00:01:05] Ryan Jbe along the same lines.

To watch a video version of this podcast, click here: https://youtu.be/B4lgieKGvtIIn this episode of the Structure Talk Podcast, hosts Reuben Saltzman and Tessa Murry welcome back Noah Gavic from Brothers Underground to discuss various sewer types and cleaning techniques. Noah shares insights on the most common pipe types, including cast iron and clay tile, and explains the importance of proper cleaning methods like chain cleaning and jetting. They cover the risks associated with DIY drain cleaning and the costs of hiring professionals for sewer maintenance. In this conversation, the speakers delve into the complexities of sewer lines, discussing the various types of pipes used in plumbing, their historical context, and the responsibilities of homeowners regarding shared sewer lines. They explore the implications of different materials, such as cement, asbestos, and Orangeburg, and the modern alternatives like PVC and HDPE. They also discuss the lifespan of these materials and the importance of proper installation to avoid costly repairs and various aspects of sewer line repairs, focusing on the importance of proper techniques, materials, and the need for homeowners to hire knowledgeable professionals. They delve into the geographic variations in sewer materials, the process of accessing and repairing sewer lines, and the different methods and technologies used in pipe lining. They emphasize the significance of understanding the complexities of sewer repairs and the potential pitfalls of hiring inexperienced contractors.Here's the  link to Noah Gavic's company: https://www.brosunderground.com/Check this link to Tessa's website: https://www.yourhousecoach.com/TakeawaysNoah Gavic has 21 years of experience in the plumbing industry.Brothers Underground focuses on educating customers about their sewer options.Cast iron and clay tile are the two most common sewer pipe types.Roots intrude into pipes primarily through leaks, not through solid walls.Chain cleaning is a high-speed, low-torque method for cleaning pipes.Improper chain cleaning can damage pipes, leading to costly repairs.Jetter machines use high-pressure water to clean pipes without damaging them.Homeowners should be cautious about DIY drain cleaning due to potential risks.Professional drain cleaning costs can range from $300 to $2400 depending on the service.Knowing the length of a sewer line is crucial for effective cleaning. Access to sewer lines can be forgotten or lost.Sewer line lengths can vary significantly based on connections.Homeowners share responsibility for shared sewer lines.Historical codes have changed regarding sewer installations.Cement asbestos pipes are common in homes built in the 50s and 60s.Orangeburg pipes are known for their poor durability.PVC is the most common pipe used today, but it has limitations.HDPE is flexible and resistant to breaking under pressure.Proper installation is crucial to avoid future plumbing issues.Lining pipes can extend their lifespan and prevent leaks. Proper sewer line repairs require the right materials and techniques.Geographic variations affect the types of materials used in sewer systems.Accessing sewer lines can be done through clean-out access points.The lining process involves inserting a liner that hardens in place.Different methods exist for lining pipes, including pull-in-place and inversion techniques.Curing methods for liners can vary, including steam and UV light.Choosing the right materials is crucial for effective repairs.Homeowners should be cautious when hiring contractors for sewer repairs.Lifetime warranties on repairs may not be reliable.

Rohit Gunavanthe, Head of Fulfilment at Pos Malaysia, discusses the postal operator's e-commerce fulfilment business Pos Fulfill. Background to creation of Pos Fulfill Storage, order fulfilment, pick and pack, real time inventory management, and end-to-end-logistics solutions Warehousing, customs clearance, in-store deliveries Geographic coverage across a diverse region, including East Malaysia Integrating with Pos Malaysia's distribution network Eight sites across Malaysia Cross-border capabilities Handling e-commerce returns, including inspecting returned items Business growth Importance of certainty of service  

Unlocking Private Market Potential: Key Insights from Jim Dowd of North Capital   Jim Dowd, CEO of North Capital, brings four decades of experience across the sell-side and buy-side to my discussion with him on a topic top of mind for commercial real estate sponsors and investors: how to navigate a rapidly shifting capital landscape where regulation, liquidity, investor behavior, and macro volatility collide.   Here are the key insights from our conversation – designed specifically to you make better, more informed investment decisions in today's market.   1. Private Markets Are Growing — But Liquidity is the Blind Spot Jim sees a long-term, secular shift from public to private markets. This trend has been driven by: Rising regulatory costs of public capital raises Falling costs and barriers to entry in private placements Broader investor access due to reduced minimums (from $250K+ to $10K–$20K) But here's the warning: private securities still lack liquidity. Investors participating in these syndicated deals should recognize that they are locked in, sometimes for years, with no clear exit.   “It's like three guys trying to run through a door at the same time – when everyone wants out, they can't.”   Solution: Jim's firm has built an Alternative Trading System (ATS) to create secondary markets for private securities, a concept CRE sponsors might want to look at. While not yet equivalent to public exchanges, these platforms offer an emerging way to address investor liquidity concerns and could give forward-thinking sponsors a competitive edge.   2. Don't Be Fooled by the Illusion of Diversification Many sponsors pitch private equity real estate as an uncorrelated asset class, perfect for diversifying out of stocks and bonds. Dowd challenges this narrative.   “In a crisis, all risk assets tend to correlate. The illusion of diversification is mostly due to slow re-pricing in private markets.”   Takeaway: Sponsors should be transparent with LPs. While real estate is a solid long-term asset, it's not immune to systemic shocks. Treating it as a diversification tool must come with proper liquidity and risk disclosures.   3. Risk Has Moved From Banks to Private Markets Jim argues that the risk which once destabilized the banking sector during the GFC has now migrated to private markets. The positive spin: these markets are mostly backed by equity, not federally insured deposits, reducing systemic risk.   Investors (LPs) should understand that the margin for error in private real estate has shrunk. Mispricing risk in this environment is more likely to catch up with you, especially in a rising rate context.   4. The 10-Year Treasury: The Most Important Metric in CRE Jim highlights the 10-year Treasury yield as the single most important signal CRE sponsors should track.   Why?   “A 6% cap rate in a 2% Treasury environment is fundamentally different than the same cap rate in a 4.5% Treasury world. That delta blows up every underwriting model.”   Cap rate spreads are compressing. And yet, many sponsors haven't recalibrated assumptions.   Jim's advice: treat macro indicators like interest rates and liquidity conditions as core components of your investment thesis, not just afterthoughts.   5. Investor Behavior Has Changed: Active Risk is Now in Private Markets Jim sees a structural shift in how investors approach risk: Liquid portfolios (ETFs, mutual funds) are increasingly passive and macro-driven. Private investments, including real estate, are now where most investors take active risk. For sponsors, this has profound implications: Investor trust and manager selection matter more than ever. Sponsors must demonstrate operational excellence and a clear, differentiated strategy. Geographic proximity still matters. Many large managers raise capital locally. Relationships built within a 100-mile radius still drive much of the private capital flow. 6. On Crypto and Tokenization: Don't Confuse the Two North Capital does not allocate to crypto but Jim is bullish on blockchain infrastructure for private markets, especially tokenization.   “Blockchain could enable scalable, transparent, and low-cost transactions for private securities – if regulators allow it.”   Tokenization may hold long-term promise for CRE sponsors looking to expand liquidity, access global investors, and reduce friction. But the infrastructure and regulatory frameworks are still evolving.   7. Investor Advice: Time in the Market Beats Timing the Market Jim's advice to investors (including his own son) is simple: don't try to time the market. Instead: Keep short-term money in treasuries or cash equivalents Deploy long-term capital systematically over a 3–12 month window Accept volatility as the price of long-term outperformance For sponsors, this means messaging matters. Emphasize long-term fundamentals over short-term fear. Help investors contextualize volatility and maintain confidence in your strategy. 8. Watch for These Signals: What Could Change the Outlook Jim tracks two key macro indicators to signal inflection points: The 10-Year Treasury yield (as mentioned above) Capital flows in public markets – a pullback here could foreshadow slower fundraising in private markets. Beyond markets, two external shocks could force sponsors to reevaluate assumptions: A geopolitical crisis (India–Pakistan tensions, Middle East escalation, Ukraine/Russia fallout) A surprise inflation spike, particularly driven by tariffs, energy, or trade policy shocks Investors need to ask: “Can my portfolio withstand a 30–40% drawdown without breaking my long term plans?”  If the answer is no, you have too much exposure to risk and should dial back.   Final Takeaway for CRE Sponsors Jim Dowd's insights are a timely reminder that capital formation in private real estate markets is entering a new phase – defined by rising macro uncertainty, evolving liquidity expectations, and heightened investor scrutiny.   Sponsors who embrace transparency, align offerings with institutional risk frameworks, and prepare for greater regulatory and market sophistication will be best positioned to lead, and raise, in this new environment.   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

FAN MAIL--We would love YOUR feedback--Send us a Text MessageThe death of Pope Francis has thrust the Catholic Church into its ancient process of selecting a successor, but this conclave comes with unique challenges. Unlike previous transitions, today's cardinal electors have had fewer opportunities to meet face-to-face, creating an atmosphere where many voters know surprisingly little about potential candidates.This fascinating episode breaks down the leading contenders to become the 267th successor to St. Peter, categorizing them into three broad ideological factions. The conservative bloc, approximately 50 cardinals strong, emphasizes doctrinal clarity and traditional teachings. Their frontrunners include Hungary's Cardinal Erdő, Guinea's Cardinal Sarah (who could become the first sub-Saharan African pope), Dutch Cardinal Eijk, and American favorite Cardinal Burke, though geopolitical considerations make an American pope unlikely.The liberal faction, smaller but influential, aligns with Francis's progressive vision. Their standard-bearers include the Philippines' Cardinal Tagle (nicknamed "Francis II"), Malta's Cardinal Grech, and Germany's outspoken Cardinal Marx. However, the most crucial role may belong to moderate cardinals who can bridge divides. Vatican Secretary of State Cardinal Parolin leads this group, alongside promising candidates from Italy, France, and African nations.Geographic considerations add complexity to the selection process. With Catholicism booming in Africa and Asia but declining in traditional European strongholds, many believe the Church will continue moving away from Italian popes. Francis deliberately appointed cardinals from underrepresented regions, creating the most globally diverse College in history.Most revealing is the unpredictability of conclaves. No one expected the conservative John Paul II to emerge from a liberal College in 1978, nor Francis from a conservative group in 2013. As Catholics worldwide pray for the Holy Spirit's guidance over this sacred process, we're reminded that divine wisdom often transcends human calculations and expectations.Key Points from the Episode: • Conservative cardinals (approximately 50 electors) emphasize traditional teachings and oppose progressive reforms• Leading conservative candidates include Hungary's Cardinal Erdő (72), Guinea's Cardinal Sarah (79), Netherlands' Cardinal Eijk, and America's Cardinal Burke• Liberal cardinals (fewer than 45 electors) align with Francis's progressive reforms and outreach to marginalized communities• Liberal frontrunners include Philippines' Cardinal Tagle, Malta's Cardinal Grech, and Germany's Cardinal Marx• Moderate cardinals are crucial bridge-builders between factions with Vatican Secretary Parolin leading this group• Africa and Asia's growing Catholic population may influence selection toward candidates from these regions• Conclave outcomes remain unpredictable, as evidenced by previous surprise selections like John Paul II and Francis• Catholics worldwide pray for the Holy Spirit's guidance in this crucial decisionLet us pray for these cardinal electors, that they may have wisdom in their next election of the successor to the apostle Peter, and as always, let's keep fighting the good fight.Other resources: College of Cardinals websiteWant to leave a review? Click here, and if we earned a five-star review from you **high five and knuckle bumps**, we appreciate it greatly, thank you so much!

One SF Supervisor wants homeless shelters in every neighborhood in the city in the name of equitySee omnystudio.com/listener for privacy information.

On the latest episode of the CavsCorner Podcast, we talk first about Virginia football's recent portal additions and how things look going forward for the Hoos before we switch to hoops and try to diagnose where things stand with adding some bigs to the roster.   Credits: Brad Franklin (@Cavs_Corner) David Spence (@HooDaves) Justin Ferber (@Justin_Ferber)   Visit CavsCorner now!   SIGN UP TODAY and check out our message board to talk with hundreds of fellow Wahoo fans about all things UVa sports!   Join the movement. Support the players: Sign up now for email updates at fanfundcard.com and be the first to know how to get involved. Our thanks to Fan Fund Card for their support of the show!

Geographic labels are sometimes misnomers. The Dead Sea's name is not, for the most part. Its high salinity levels kill most forms of life, barring a couple hardy microbes and algae—and even these are threatened by environmental change. Except the Dead Sea has been part of human history for millennia. Jericho, the world's oldest city, sits nearby. It features prominently in the Bible. Greeks, Romans, Jews, Arabs, Europeans all interact with the Dead Sea. And it's now a tourist hotspot, a source for resources extraction–and a political hotspot, shared between Jordan, Israel, and the contested area of the West Bank. Nir Arielli, professor of international history at the University of Leeds, covers this history in his new book The Dead Sea: A 10,000 Year History (Yale University Press, 2025). Nir is also the author of From Byron to bin Laden: A History of Foreign War Volunteers (Harvard University Press: 2018) and Fascist Italy and the Middle East (Palgrave Macmillan: 2010). He has also written contemporary political commentary for the Globe Post, Haaretz, and the Conversation. You can find more reviews, excerpts, interviews, and essays at The Asian Review of Books, including its review of The Dead Sea. Follow on Twitter at @BookReviewsAsia. Nicholas Gordon is an editor for a global magazine, and a reviewer for the Asian Review of Books. He can be found on Twitter at @nickrigordon. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Geographic labels are sometimes misnomers. The Dead Sea's name is not, for the most part. Its high salinity levels kill most forms of life, barring a couple hardy microbes and algae—and even these are threatened by environmental change. Except the Dead Sea has been part of human history for millennia. Jericho, the world's oldest city, sits nearby. It features prominently in the Bible. Greeks, Romans, Jews, Arabs, Europeans all interact with the Dead Sea. And it's now a tourist hotspot, a source for resources extraction–and a political hotspot, shared between Jordan, Israel, and the contested area of the West Bank. Nir Arielli, professor of international history at the University of Leeds, covers this history in his new book The Dead Sea: A 10,000 Year History (Yale University Press, 2025). Nir is also the author of From Byron to bin Laden: A History of Foreign War Volunteers (Harvard University Press: 2018) and Fascist Italy and the Middle East (Palgrave Macmillan: 2010). He has also written contemporary political commentary for the Globe Post, Haaretz, and the Conversation. You can find more reviews, excerpts, interviews, and essays at The Asian Review of Books, including its review of The Dead Sea. Follow on Twitter at @BookReviewsAsia. Nicholas Gordon is an editor for a global magazine, and a reviewer for the Asian Review of Books. He can be found on Twitter at @nickrigordon. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history

Listen in as Real Science Radio host Fred Williams and co-host Doug McBurney review and update some of Bob Enyart's legendary list of not so old things! From Darwin's Finches to opals forming in months to man's genetic diversity in 200 generations, to carbon 14 everywhere it's not supposed to be (including in diamonds and dinosaur bones!), scientific observations simply defy the claim that the earth is billions of years old. Real science demands the dismissal of the alleged million and billion year ages asserted by the ungodly and the foolish.     * Finches Adapt in 17 Years, Not 2.3 Million: Charles Darwin's finches are claimed to have taken 2,300,000 years to diversify from an initial species blown onto the Galapagos Islands. Yet individuals from a single finch species on a U.S. Bird Reservation in the Pacific were introduced to a group of small islands 300 miles away and in at most 17 years, like Darwin's finches, they had diversified their beaks, related muscles, and behavior to fill various ecological niches. Hear about this also at rsr.org/spetner.  * Finches Speciate in Two Generations vs Two Million Years for Darwin's Birds?  Darwin's finches on the Galapagos Islands are said to have diversified into 14 species over a period of two million years. But in 2017 the journal Science reported a newcomer to the Island which within two generations spawned a reproductively isolated new species. In another instance as documented by Lee Spetner, a hundred birds of the same finch species introduced to an island cluster a 1,000 kilometers from Galapagos diversified into species with the typical variations in beak sizes, etc. "If this diversification occurred in less than seventeen years," Dr. Spetner asks, "why did Darwin's Galapagos finches [as claimed by evolutionists] have to take two million years?" * Opals Can Form in "A Few Months" And Don't Need 100,000 Years: A leading authority on opals, Allan W. Eckert, observed that, "scientific papers and textbooks have told that the process of opal formation requires tens of thousands of years, perhaps hundreds of thousands... Not true." A 2011 peer-reviewed paper in a geology journal from Australia, where almost all the world's opal is found, reported on the: "new timetable for opal formation involving weeks to a few months and not the hundreds of thousands of years envisaged by the conventional weathering model." (And apparently, per a 2019 report from Entomology Today, opals can even form around insects!) More knowledgeable scientists resist the uncritical, group-think insistence on false super-slow formation rates (as also for manganese nodules, gold veins, stone, petroleum, canyons and gullies, and even guts, all below). Regarding opals, Darwinian bias led geologists to long ignore possible quick action, as from microbes, as a possible explanation for these mineraloids. For both in nature and in the lab, opals form rapidly, not even in 10,000 years, but in weeks. See this also from creationists by a geologist, a paleobiochemist, and a nuclear chemist. * Blue Eyes Originated Not So Long Ago: Not a million years ago, nor a hundred thousand years ago, but based on a peer-reviewed paper in Human Genetics, a press release at Science Daily reports that, "research shows that people with blue eyes have a single, common ancestor. A team at the University of Copenhagen have tracked down a genetic mutation which took place 6-10,000 years ago and is the cause of the eye color of all blue-eyed humans alive on the planet today." * Adding the Entire Universe to our List of Not So Old Things? Based on March 2019 findings from Hubble, Nobel laureate Adam Riess of the Space Telescope Science Institute and his co-authors in the Astrophysical Journal estimate that the universe is about a billion years younger than previously thought! Then in September 2019 in the journal Science, the age dropped precipitously to as low as 11.4 billion years! Of course, these measurements also further squeeze the canonical story of the big bang chronology with its many already existing problems including the insufficient time to "evolve" distant mature galaxies, galaxy clusters, superclusters, enormous black holes, filaments, bubbles, walls, and other superstructures. So, even though the latest estimates are still absurdly too old (Google: big bang predictions, and click on the #1 ranked article, or just go on over there to rsr.org/bb), regardless, we thought we'd plop the whole universe down on our List of Not So Old Things!   * After the Soft Tissue Discoveries, NOW Dino DNA: When a North Carolina State University paleontologist took the Tyrannosaurus Rex photos to the right of original biological material, that led to the 2016 discovery of dinosaur DNA, So far researchers have also recovered dinosaur blood vessels, collagen, osteocytes, hemoglobin, red blood cells, and various proteins. As of May 2018, twenty-six scientific journals, including Nature, Science, PNAS, PLoS One, Bone, and Journal of Vertebrate Paleontology, have confirmed the discovery of biomaterial fossils from many dinosaurs! Organisms including T. Rex, hadrosaur, titanosaur, triceratops, Lufengosaur, mosasaur, and Archaeopteryx, and many others dated, allegedly, even hundreds of millions of years old, have yielded their endogenous, still-soft biological material. See the web's most complete listing of 100+ journal papers (screenshot, left) announcing these discoveries at bflist.rsr.org and see it in layman's terms at rsr.org/soft. * Rapid Stalactites, Stalagmites, Etc.: A construction worker in 1954 left a lemonade bottle in one of Australia's famous Jenolan Caves. By 2011 it had been naturally transformed into a stalagmite (below, right). Increasing scientific knowledge is arguing for rapid cave formation (see below, Nat'l Park Service shrinks Carlsbad Caverns formation estimates from 260M years, to 10M, to 2M, to it "depends"). Likewise, examples are growing of rapid formations with typical chemical make-up (see bottle, left) of classic stalactites and stalagmites including: - in Nat'l Geo the Carlsbad Caverns stalagmite that rapidly covered a bat - the tunnel stalagmites at Tennessee's Raccoon Mountain - hundreds of stalactites beneath the Lincoln Memorial - those near Gladfelter Hall at Philadelphia's Temple University (send photos to Bob@rsr.org) - hundreds of stalactites at Australia's zinc mine at Mt. Isa.   - and those beneath Melbourne's Shrine of Remembrance. * Most Human Mutations Arose in 200 Generations: From Adam until Real Science Radio, in only 200 generations! The journal Nature reports The Recent Origin of Most Human Protein-coding Variants. As summarized by geneticist co-author Joshua Akey, "Most of the mutations that we found arose in the last 200 generations or so" (the same number previously published by biblical creationists). Another 2012 paper, in the American Journal of Physical Anthropology (Eugenie Scott's own field) on High mitochondrial mutation rates, shows that one mitochondrial DNA mutation occurs every other generation, which, as creationists point out, indicates that mtEve would have lived about 200 generations ago. That's not so old! * National Geographic's Not-So-Old Hard-Rock Canyon at Mount St. Helens: As our List of Not So Old Things (this web page) reveals, by a kneejerk reaction evolutionary scientists assign ages of tens or hundreds of thousands of years (or at least just long enough to contradict Moses' chronology in Genesis.) However, with closer study, routinely, more and more old ages get revised downward to fit the world's growing scientific knowledge. So the trend is not that more information lengthens ages, but rather, as data replaces guesswork, ages tend to shrink until they are consistent with the young-earth biblical timeframe. Consistent with this observation, the May 2000 issue of National Geographic quotes the U.S. Forest Service's scientist at Mount St. Helens, Peter Frenzen, describing the canyon on the north side of the volcano. "You'd expect a hard-rock canyon to be thousands, even hundreds of thousands of years old. But this was cut in less than a decade." And as for the volcano itself, while again, the kneejerk reaction of old-earthers would be to claim that most geologic features are hundreds of thousands or millions of years old, the atheistic National Geographic magazine acknowledges from the evidence that Mount St. Helens, the volcanic mount, is only about 4,000 years old! See below and more at rsr.org/mount-st-helens. * Mount St. Helens Dome Ten Years Old not 1.7 Million: Geochron Laboratories of Cambridge, Mass., using potassium-argon and other radiometric techniques claims the rock sample they dated, from the volcano's dome, solidified somewhere between 340,000 and 2.8 million years ago. However photographic evidence and historical reports document the dome's formation during the 1980s, just ten years prior to the samples being collected. With the age of this rock known, radiometric dating therefore gets the age 99.99999% wrong. * Devils Hole Pupfish Isolated Not for 13,000 Years But for 100: Secular scientists default to knee-jerk, older-than-Bible-age dates. However, a tiny Mojave desert fish is having none of it. Rather than having been genetically isolated from other fish for 13,000 years (which would make this small school of fish older than the Earth itself), according to a paper in the journal Nature, actual measurements of mutation rates indicate that the genetic diversity of these Pupfish could have been generated in about 100 years, give or take a few. * Polystrates like Spines and Rare Schools of Fossilized Jellyfish: Previously, seven sedimentary layers in Wisconsin had been described as taking a million years to form. And because jellyfish have no skeleton, as Charles Darwin pointed out, it is rare to find them among fossils. But now, reported in the journal Geology, a school of jellyfish fossils have been found throughout those same seven layers. So, polystrate fossils that condense the time of strata deposition from eons to hours or months, include: - Jellyfish in central Wisconsin were not deposited and fossilized over a million years but during a single event quick enough to trap a whole school. (This fossil school, therefore, taken as a unit forms a polystrate fossil.) Examples are everywhere that falsify the claims of strata deposition over millions of years. - Countless trilobites buried in astounding three dimensionality around the world are meticulously recovered from limestone, much of which is claimed to have been deposited very slowly. Contrariwise, because these specimens were buried rapidly in quickly laid down sediments, they show no evidence of greater erosion on their upper parts as compared to their lower parts. - The delicacy of radiating spine polystrates, like tadpole and jellyfish fossils, especially clearly demonstrate the rapidity of such strata deposition. - A second school of jellyfish, even though they rarely fossilized, exists in another locale with jellyfish fossils in multiple layers, in Australia's Brockman Iron Formation, constraining there too the rate of strata deposition. By the way, jellyfish are an example of evolution's big squeeze. Like galaxies evolving too quickly, 

Listen in as Real Science Radio host Fred Williams and co-host Doug McBurney review and update some of Bob Enyart's legendary list of not so old things! From Darwin's Finches to opals forming in months to man's genetic diversity in 200 generations, to carbon 14 everywhere it's not supposed to be (including in diamonds and dinosaur bones!), scientific observations simply defy the claim that the earth is billions of years old. Real science demands the dismissal of the alleged million and billion year ages asserted by the ungodly and the foolish.   * Finches Adapt in 17 Years, Not 2.3 Million: Charles Darwin's finches are claimed to have taken 2,300,000 years to diversify from an initial species blown onto the Galapagos Islands. Yet individuals from a single finch species on a U.S. Bird Reservation in the Pacific were introduced to a group of small islands 300 miles away and in at most 17 years, like Darwin's finches, they had diversified their beaks, related muscles, and behavior to fill various ecological niches. Hear about this also at rsr.org/spetner.  * Finches Speciate in Two Generations vs Two Million Years for Darwin's Birds?  Darwin's finches on the Galapagos Islands are said to have diversified into 14 species over a period of two million years. But in 2017 the journal Science reported a newcomer to the Island which within two generations spawned a reproductively isolated new species. In another instance as documented by Lee Spetner, a hundred birds of the same finch species introduced to an island cluster a 1,000 kilometers from Galapagos diversified into species with the typical variations in beak sizes, etc. "If this diversification occurred in less than seventeen years," Dr. Spetner asks, "why did Darwin's Galapagos finches [as claimed by evolutionists] have to take two million years?" * Opals Can Form in "A Few Months" And Don't Need 100,000 Years: A leading authority on opals, Allan W. Eckert, observed that, "scientific papers and textbooks have told that the process of opal formation requires tens of thousands of years, perhaps hundreds of thousands... Not true." A 2011 peer-reviewed paper in a geology journal from Australia, where almost all the world's opal is found, reported on the: "new timetable for opal formation involving weeks to a few months and not the hundreds of thousands of years envisaged by the conventional weathering model." (And apparently, per a 2019 report from Entomology Today, opals can even form around insects!) More knowledgeable scientists resist the uncritical, group-think insistence on false super-slow formation rates (as also for manganese nodules, gold veins, stone, petroleum, canyons and gullies, and even guts, all below). Regarding opals, Darwinian bias led geologists to long ignore possible quick action, as from microbes, as a possible explanation for these mineraloids. For both in nature and in the lab, opals form rapidly, not even in 10,000 years, but in weeks. See this also from creationists by a geologist, a paleobiochemist, and a nuclear chemist. * Blue Eyes Originated Not So Long Ago: Not a million years ago, nor a hundred thousand years ago, but based on a peer-reviewed paper in Human Genetics, a press release at Science Daily reports that, "research shows that people with blue eyes have a single, common ancestor. A team at the University of Copenhagen have tracked down a genetic mutation which took place 6-10,000 years ago and is the cause of the eye color of all blue-eyed humans alive on the planet today." * Adding the Entire Universe to our List of Not So Old Things? Based on March 2019 findings from Hubble, Nobel laureate Adam Riess of the Space Telescope Science Institute and his co-authors in the Astrophysical Journal estimate that the universe is about a billion years younger than previously thought! Then in September 2019 in the journal Science, the age dropped precipitously to as low as 11.4 billion years! Of course, these measurements also further squeeze the canonical story of the big bang chronology with its many already existing problems including the insufficient time to "evolve" distant mature galaxies, galaxy clusters, superclusters, enormous black holes, filaments, bubbles, walls, and other superstructures. So, even though the latest estimates are still absurdly too old (Google: big bang predictions, and click on the #1 ranked article, or just go on over there to rsr.org/bb), regardless, we thought we'd plop the whole universe down on our List of Not So Old Things!   * After the Soft Tissue Discoveries, NOW Dino DNA: When a North Carolina State University paleontologist took the Tyrannosaurus Rex photos to the right of original biological material, that led to the 2016 discovery of dinosaur DNA, So far researchers have also recovered dinosaur blood vessels, collagen, osteocytes, hemoglobin, red blood cells, and various proteins. As of May 2018, twenty-six scientific journals, including Nature, Science, PNAS, PLoS One, Bone, and Journal of Vertebrate Paleontology, have confirmed the discovery of biomaterial fossils from many dinosaurs! Organisms including T. Rex, hadrosaur, titanosaur, triceratops, Lufengosaur, mosasaur, and Archaeopteryx, and many others dated, allegedly, even hundreds of millions of years old, have yielded their endogenous, still-soft biological material. See the web's most complete listing of 100+ journal papers (screenshot, left) announcing these discoveries at bflist.rsr.org and see it in layman's terms at rsr.org/soft. * Rapid Stalactites, Stalagmites, Etc.: A construction worker in 1954 left a lemonade bottle in one of Australia's famous Jenolan Caves. By 2011 it had been naturally transformed into a stalagmite (below, right). Increasing scientific knowledge is arguing for rapid cave formation (see below, Nat'l Park Service shrinks Carlsbad Caverns formation estimates from 260M years, to 10M, to 2M, to it "depends"). Likewise, examples are growing of rapid formations with typical chemical make-up (see bottle, left) of classic stalactites and stalagmites including: - in Nat'l Geo the Carlsbad Caverns stalagmite that rapidly covered a bat - the tunnel stalagmites at Tennessee's Raccoon Mountain - hundreds of stalactites beneath the Lincoln Memorial - those near Gladfelter Hall at Philadelphia's Temple University (send photos to Bob@rsr.org) - hundreds of stalactites at Australia's zinc mine at Mt. Isa.   - and those beneath Melbourne's Shrine of Remembrance. * Most Human Mutations Arose in 200 Generations: From Adam until Real Science Radio, in only 200 generations! The journal Nature reports The Recent Origin of Most Human Protein-coding Variants. As summarized by geneticist co-author Joshua Akey, "Most of the mutations that we found arose in the last 200 generations or so" (the same number previously published by biblical creationists). Another 2012 paper, in the American Journal of Physical Anthropology (Eugenie Scott's own field) on High mitochondrial mutation rates, shows that one mitochondrial DNA mutation occurs every other generation, which, as creationists point out, indicates that mtEve would have lived about 200 generations ago. That's not so old! * National Geographic's Not-So-Old Hard-Rock Canyon at Mount St. Helens: As our List of Not So Old Things (this web page) reveals, by a kneejerk reaction evolutionary scientists assign ages of tens or hundreds of thousands of years (or at least just long enough to contradict Moses' chronology in Genesis.) However, with closer study, routinely, more and more old ages get revised downward to fit the world's growing scientific knowledge. So the trend is not that more information lengthens ages, but rather, as data replaces guesswork, ages tend to shrink until they are consistent with the young-earth biblical timeframe. Consistent with this observation, the May 2000 issue of National Geographic quotes the U.S. Forest Service's scientist at Mount St. Helens, Peter Frenzen, describing the canyon on the north side of the volcano. "You'd expect a hard-rock canyon to be thousands, even hundreds of thousands of years old. But this was cut in less than a decade." And as for the volcano itself, while again, the kneejerk reaction of old-earthers would be to claim that most geologic features are hundreds of thousands or millions of years old, the atheistic National Geographic magazine acknowledges from the evidence that Mount St. Helens, the volcanic mount, is only about 4,000 years old! See below and more at rsr.org/mount-st-helens. * Mount St. Helens Dome Ten Years Old not 1.7 Million: Geochron Laboratories of Cambridge, Mass., using potassium-argon and other radiometric techniques claims the rock sample they dated, from the volcano's dome, solidified somewhere between 340,000 and 2.8 million years ago. However photographic evidence and historical reports document the dome's formation during the 1980s, just ten years prior to the samples being collected. With the age of this rock known, radiometric dating therefore gets the age 99.99999% wrong. * Devils Hole Pupfish Isolated Not for 13,000 Years But for 100: Secular scientists default to knee-jerk, older-than-Bible-age dates. However, a tiny Mojave desert fish is having none of it. Rather than having been genetically isolated from other fish for 13,000 years (which would make this small school of fish older than the Earth itself), according to a paper in the journal Nature, actual measurements of mutation rates indicate that the genetic diversity of these Pupfish could have been generated in about 100 years, give or take a few. * Polystrates like Spines and Rare Schools of Fossilized Jellyfish: Previously, seven sedimentary layers in Wisconsin had been described as taking a million years to form. And because jellyfish have no skeleton, as Charles Darwin pointed out, it is rare to find them among fossils. But now, reported in the journal Geology, a school of jellyfish fossils have been found throughout those same seven layers. So, polystrate fossils that condense the time of strata deposition from eons to hours or months, include: - Jellyfish in central Wisconsin were not deposited and fossilized over a million years but during a single event quick enough to trap a whole school. (This fossil school, therefore, taken as a unit forms a polystrate fossil.) Examples are everywhere that falsify the claims of strata deposition over millions of years. - Countless trilobites buried in astounding three dimensionality around the world are meticulously recovered from limestone, much of which is claimed to have been deposited very slowly. Contrariwise, because these specimens were buried rapidly in quickly laid down sediments, they show no evidence of greater erosion on their upper parts as compared to their lower parts. - The delicacy of radiating spine polystrates, like tadpole and jellyfish fossils, especially clearly demonstrate the rapidity of such strata deposition. - A second school of jellyfish, even though they rarely fossilized, exists in another locale with jellyfish fossils in multiple layers, in Australia's Brockman Iron Formation, constraining there too the rate of strata deposition. By the way, jellyfish are an example of evolution's big squeeze. Like galaxies e

Story at-a-glance A study that analyzed 52,501 Type 2 diabetes patients found widespread nutrient deficiencies, with vitamin D being most common (60.45%), followed by magnesium (41.95%) and vitamin B12 (28.72%) Vitamin D deficiency significantly impairs insulin function and sensitivity, while increasing the risk of complications like diabetic retinopathy, kidney disease and foot ulcers Magnesium deficiency creates a vicious cycle among diabetics — low intake increases diabetes risk, while diabetes increases magnesium loss through urination, leading to poorer glycemic control Metformin, the most prescribed diabetes medication, depletes vitamin B12 levels by interfering with B12 absorption, which can lead to nerve damage, numbness and fatigue Geographic location influences deficiency rates, with the Americas showing the highest prevalence at 54.04% of diabetes patients having at least one micronutrient deficiency

Tomasz Tomaszewski has a Ph.D from the Academy of Fine Arts in Warsaw, and is a member of the Union of Polish Art Photographers, the Visum Archiv Agency of Hamburg, Germany, the National Geographic Creative Agency of Washington D.C., and the American Society of Media Photographers.He specializes in journalistic photography and has had his photos published in major newspapers and magazines worldwide including National Geographic Magazine, Stern, Paris Match, GEO, New York Times, Time, Fortune, Elle, Vogue. He has also authored a number of books, including Remnants: The Last Jews of Poland, Gypsies: The Last Ones; In Search of America, In the Centre, Astonishing Spain, A Stone's Throw, Overwhelmed by the Atmosphere of Kindness, Things that last, and has co-illustrated over a dozen collective works.He has held numerous individual exhibitions in the USA, Canada, Israel, Japan, Brazil, Madagascar, the Netherlands, Germany, France, Italy, Indonesia and Poland. Tomasz is the recipient of many Polish and international awards for photography. For over thirty years he has been a regular contributor to National Geographic Magazine USA in which eighteen of his photo essays have been published. Tomasz has taught photography in Poland, the USA, Germany and Italy.Tomasz's most recent book, The World Is Where You Stop was published in 2023 by Blow Up Press. In episode 254, Tomasz discusses, among other things:His insecurity about his EnglishTruthThe wisdom of ageHis father's advice ‘don't forget about art'ProgressHis discovery of photographySpending five years working on his first book, smuggled to the states and published in NY.Spending time in the USAHis new book The World Is Where You StopMetaphorPhotography not being dialecticalThe appeal of a good single maltHis teaching academyBravery as the mother of all qualitiesHis dream to play the piano and how music is pure mathematicsReferenced:Raymond ChandlerAristotleUffizi MuseumSusan SontagNasim TalebJames NachtweyGarry WinnograndCartier BressonKeith Jarrett Website | Instagram | Interview in ‘Hot Mirror' “Most of the time when I was working for Geographic, I wanted my photographs to serve a purpose, to tell a story, or explain a person to another human being. But this time I only wanted to capture surprise, maybe, wonder, occassionally joy, amusement, but also discomfort. In short, anything but a desire to tell a story.” Become a full tier 1 member here to access exclusive additional subscriber-only content and the full archive of previous episodes for £5 per month.For the tier 2 archive-only membership, to access the full library of past episodes for £3 per month, go here.Subscribe to my weekly newsletter here for everything A Small Voice related and much more besides.Follow me on Instagram here.Build Yourself a Squarespace Website video course here.

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As the defense and prosecution being their legal sparring, we learn of crucial new evidence. Then, an in-depth look at the geographic profile of the Long Island Serial Killer and Rex Heuermann make for fascinating observations. Hosted on Acast. See acast.com/privacy for more information.