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Christian College Sex Comedy: Part 27 Appreciation? In 30 parts, By FinalStand. Listen to the podcast at Explicit Novels.             Children must face the scrutiny of their parents     The Dining Hall was almost a relief. That relief died the moment I saw the banner over the front of the serving area in the Hall. 'Zane Appreciation Day'. Since every word was spelled correctly, it wasn't some stunt of Rio's, but beyond that, the list of suspects was too large to consider. This could be a genuine outpouring of acceptance and sympathy for what I had endured here. If you believe that, I have to ask you: 'Do you want your leprechaun pissing Guinness or Irish Malt?'   Most likely, this was going to be some sort of humiliation, and I think I knew the flavor, and I definitely knew how to find out. See, in every seat of the Dining Hall was a big, bowling ball sized white box with a name and secured with a gold and green ribbon, so no cheating; no peeking. That last bit didn't deter me, though. I snuck up on the box marked for Holiday Carpenter.   "Zane, does that have your name on it?" Virginia Goodswell asked me, my English teacher and Spiritual Advisor. Hell, if it had been Mrs. Marlowe, I would have opened it anyway, but Virginia was my buddy so her next question didn't mean to stab a stake of regret through my heart. "Where is Vivian?"   "I left my room before she was done." I looked to the ground while I kicked some imaginary dust off the slate floor.   "Why don't you see if she's been calling you?" she suggested. "She's probably worried." Worried, or homicidal because, ya know, I had sort of run off without my phone, wallet, watch, book bag, or anything else a 21st century student might need.   "I ran away like a big, fat chicken," I confessed. "Anything not glued to my body I left behind."   "I'll give her a call." She pulled out her phone and hit speed dial #2. I crap since her sick mother is probably #1. I am such a big problem for her, she has my guardian on speed dial! "That is Holiday Carpenter's box, Zane, not yours. Besides, there are strict instructions to not open the boxes until instructed."   The panicky response I overheard from Virginia's conversation with Vivian hardly helped my mood. She wanted to know if Virginia knew where I was, she did; that I was okay, I was; and finally, what upset me, because the other girls weren't talking but apparently Mercy had started slapping Barbie Lynn around until Rio and Val pulled her off. Now, that made less than no sense. Wasn't that supposed to work the other way around?   Virginia did a double check and sure enough, Mercy had slammed Barbie Lynn into an open wardrobe on my behalf, and Rio and Val had pulled her back. WTF! I am sure that Rio was right beside me on that one. Vivian triple checked that I was physically and mentally okay and she sounded so disappointed, in herself, as she did so. She was bringing my stuff; yes, I am an earthworm. Virginia promised for me that I would remain here until she arrived.   Some stupid gesture like a loud public apology, done on bended knee, was blatantly unfair to Vivian, who only meant the best for me. I made a quick apology, not trying to meet her eyes as I said the words and took my stuff. All of 'my' girls seemed equally subdued. A minute after we had garnered our victuals, Vivian put a hand on my elbow.   "Don't be so hard on yourself, Zane," Vivian smiled warmly at me. "You take a lot of stress and pressure on yourself. I understand that from time to time you need to take in a tiny bit of private space for yourself. Clearly, you can't schedule any such time because nothing around you stays a secret for very long and no one respects your privacy or even asks what you need."   "Vivian," I was puzzled, "you deserve to be righteously pissed with me. You are my Guardian and I promised to stay by you or at least tell you where I was."   "Zane, we let you down," Vivian assured me. "It is your dorm room and we are your guests, and we have been rather poor guests at that."   "How about we call a truce?" I offer.   "I can live with that," Vivian smiled.   "Cut the Kumbaya-time, kids," Rio snorted derisively. "Zane, what the fuck happened with Mercy?" Rio playfully punched Mercy's arm to emphasize her uncertainty.   "Rio, Bro, drop it," I asked sincerely. "Act like it didn't happen." Rio studied me a second, then got this wickedly evil grin.   "What the hell are you talking about, Glenda?" she hefted the box up then shook it. "It seems my damn box is glued shut. Are we celebrating one thousand cunts licked by you, or what?"   Because Rio rarely expounded at a level below full volume, next thing we hear is Mrs. Marlow snapping, "Ms. Talon, watch your language; there are good Christian women being forced to sit within the sound of your voice!"   "Gotcha, Ms. Mouthful," Rio snapped off with a snap and a finger raised up like a pistol in the air.   "What did you say?" Marlowe closed the distance.   "She was repeating what I pointed out," I turned and smiled. "I said that you really had it going together this morning; that you were more than a mouthful. That's a hip/trending term to describe someone who is expressing themselves through clothing and make-up."   "You are lying, Mr. Braxton," she snarled.   "You are probably right, as I do so to you on general principle, but good luck proving it in student court," I grinned right back. We locked wills and she blinked first.   "Ms. Phillips," Marlowe turned on Vivian, "what are you going to do about this?"   "Zane and Rio, would you please apologize for being rude and insensitive to an educator who only wishes the best for the student body?" Vivian requested.   "I so apologize," I bowed my head.   "I so apologize as well," Rio tacked on. Only after Marlowe had gone to spread love and sunshine somewhere else did Rio lean across me and whisper to Vivian.   "You rock!" Rio giggled gleefully. After all, Rio and I had not apologized to Mrs. Marlowe because neither one of us believed for a minute that she was 'an educator who only wishes the best for the student body'. To that nameless entity, we owed a debt, and to Mrs. Marlow we owed a generous 'fuck you,' and Vivian had made it all possible.   "Why, thank you, Rio," Vivian nodded her acceptance of Rio's praise. "Jesus is the Peacemaker and we all should attempt to emulate his teachings."   "So, I still don't get to lick you senseless?" Rio snickered.   "No, no, you don't," Vivian smiled, even though she didn't look at either of us. Vivian's going to rock as a mom.   The next half hour passed quietly. Everyone was curious about the boxes but no one was too worried until a rumor suddenly appeared. When it was suggested that they might have to put on bikinis, the fear set in. I blamed, I don't know but I wish I had thought of it. I was still kicking myself for the missed opportunity when my alien with the right face black and left face white shows up with the right face white and left face black, Mhain and Millicent.   "Death Match and you get to referee," Rio teased me. "I'm so jealous; 500 bucks on the one with the soul." Mhain glared hate at us while Millicent looked more than amused.   "Zane, come with us," Mhain gloated. I figured that somehow my ordeal was coming to an end so I'd play along. I rose and they steered me to the largest exit, flanking me.   Christina and Company grabbed their boxes and jumped up quickly to follow me, though they looked as confused as I was, confirming none of them were the architect of my discomfort. No sooner had we stepped into the cool, sunlit lawn than everyone's phone rang, except mine. I was loving this, right up there with having sandpaper buffing my sunburned abs.   "Open the box and follow the instructions," Christina informed me. "Is anyone going to do this?" My phone vibrated once, then my whole body tingled before I could respond to the call.   "I am," Mhain gloated. "I was promised something." She knelt and opened her box with enthusiasm; the others did likewise but at a more sedate pace.   What came out of each box was almost identical, different only in the anatomical part of the body indicated by the instructions. The objects were all grapefruit-sized fur-balls that made darling little squeaks, squeals and murmurs, amongst other sympathetic noises, all in tiny little voices. They were to be placed on my body, but I didn't know how that would work.   "Are we going to do this?" Chastity began to say.   "It isn't sticky," Hope was also saying when Mhain's flew out of her hand and hit the side of my left knee. She reached out carefully to retrieve hers while the other girls circled in. The little darlings were proving to be resilient little bastards. Several more leapt at me from the hands of their owners.   All this time the furry grapefruit were giving little 'wee!' noises when they shot at me and screeched like demons when they were removed, which was painful when they were on my flesh. I knew who was responsible and she was going to pay, but not right now. I saw my closest allies pulling back.   "TLM, Christina," I sighed in resignation. "Let's get this over with." I was being totally self-sacrificial; girls were starting to pile-up on us coming out of the Dining Hall. I didn't want a riot. Mhain had technically tagged me first but not in the designated spot, so I had Christina go first, she put one over my heart, not that I thought Cordelia was stupid, but now she was just piling it on.   Mhain went next and she was sizzling and excited, she put it on my lips, shutting me up. At least the girls were polite and organized enough to come at me patiently. A few didn't get the 'memo' and their little rug rats slipped out of their owner's grasp and got to play gleeful kamikaze as they plowed into me.   It didn't hurt but I had this secret fear that the tiny terrors would sprout fangs and tear into me. These little guys were murmuring and mumbling and it wasn't until I was truly buried that a horrific realization was made, the more that were on me, the greater their clinging power. In retrospect, this would have been more useful if we hadn't passed the 700 mark.   I looked like a puffy, overweight, Sasquatch baby. I could move but sitting down was a dream, as was running or going to the bathroom. The damn things wouldn't shut up either. It fell to Hope and Iona to hurry me (as much as possible) to Assembly; you know that place where I 'sit' in front. At least no one could ask me anything with the expectation of receiving an answer.   I no longer wondered how bad it could get; I knew it would get worse, and while I didn't know how, I knew it would be soon. At the start of Assembly my little friends joined in the singing, not using words but in the tinny little noises they made, though admittedly they were enthusiastic and determined. But it gets worse.   There was a discussion on stage after that fiasco about removing me. Chancellor Bazz wanted me gone; Vice Chancellor Scarlett was not in attendance but Virginia took up my cause. After all, it wasn't my fault, she claimed.   "Well, Black, do something," the first three rows heard Bazz demand of our Head of Security.   "I am not an engineer or a chemist," Black replied. "Do you want me to shoot them off him?"   Oh, yeah, my girl Bazz wanted that, so bad. Of course, what she really wanted was for Black to miss, but that wasn't going to happen. Finally, the teachers decided to soldier on. When Chancellor Bazz stepped up to begin services, the frightening fur-balls belted out 'Hail to the Chief.'   No one said a word, not a murmur. Chancellor Bazz stopped and the munchkin chorus stopped too. Two more starts later and she gave up and grudgingly took the 'praise' from my infestation. They were good throughout the message and sermon but took up 'Hail to the Chief' when she tried to leave the podium.   "Do something!" she screamed at Black. This time, Gabrielle sedately headed my way. I didn't want to think of the pain coming my way. My little buddies had my back. When she got within five feet the all screamed, and I mean SCREAMED, in the loudest cacophony most of us present had ever heard. I saw something I thought I would never see; Gabrielle flinched.   Not so oddly, I was fine, hearing almost nothing. The little guys on my ears soaked up the sound so I received a very watered-down version of what they were doing. Gabrielle fell back and at the five foot mark, the little guys shut up, mostly. They seemed to be making comforting noises to one another, like one Zane-sized colony of brown mold.   "Get away from him; just get away from him," good old Doctor Melrose Bazz pleaded as she moved her hands away from her ears. "Braxton, you stop this right now." I had a wee beastie on my mouth and Bazz was not on the small list of people I would devour this thing for. If she's looking for a conversation today, she's out of luck. She throws her hands up in desperation and starts to storm off. My little cock-sucking furry gonads (yes, I was getting angry) fired up 'Hail to the Chief' yet again, and kept at it until she sat down. Virginia got to thinking it's appropriate to call for the end of this travesty but she's dealing with Cordelia Dresden, Top Gun of the Time Lord Mafia. The weapon of choice; 'She's a Lady' by some guy named Tom Jones, the ladies in my life will inform me about this later.   For a half a second she tries to fight her smile but she surrenders, even letting the little guys go through the entire score before talking. The little tinny voices were humming a song I didn't know but damn it, it made me want to take Virginia out to a smoky Jazz club and dance until the sun came up. Virginia actually started tapping her foot to rhythm and I began thinking I might not be able to beat Cordelia. I'm not used to that sensation.   "Okay, now, whoever is doing this has put Zane through enough and should remember that we should, as Christians, make students feel safe and not make them subjects of humiliation," Virginia addressed the student body. "I think we can end Assembly fifteen minutes early today for a little bit of Christian charity. We can do it at Zane's first class, 204 Denning Hall."   By the way, I apparently have a play list. As Virginia headed back, the fella's changed it up with 'Baby Got Back'. I wanted to die. Virginia Goodswell has a truly fine ass, of this there is no doubt, I often compare it to Barbie Lynn's, but please. Virginia stopped, turned toward me with a dazzling smile and waggled her finger at me, then resumed her way to her seat.   How is any of this my fault? I imagine I was lucky it wasn't the Thong Song. I would have died, then come back as the undead to take Cordelia to hell with me. It was with some relief that Vivian and Hope rallied to my side. They had to both keep other students away, the other girls loved poking me in different critters to make them call out in different pitches and tenors, which was pleasant to hear if you liked overdosing on helium.   Surprise, surprise; no one came to my succor before English class. I couldn't sit down. Okay, I tried, but any part of my body that bent or that I sat on screamed bloody murder until I got off of it or stopped putting on the press. I've heard about girlfriends like this but I've always assumed I would have the courage to jump out of a 50 story building to escape.   What do you do if they come with you when you jump besides basking in the vicarious thrill that comes from crushing half of them beneath you before you go? I managed to do okay standing in the rear of the class, only once giving in to the crushing fatigue of holding my arms somewhat elevated for two hours. The two under my arms were especially cooperative and didn't get too vocal when my arms did slip to my sides.   I couldn't do a thing about the occasional girl twisting in her seat but either Raven's glare or Goodswell's cough brought their eyes forward once more. At the end of class, Virginia decided to call Ms. Black and have her take me to the Vice Chancellor's office to end this matter. Vivian and Mercy provided support while Gabrielle kept her distance and cleared a path.   Rio helped out by playing my musical miscreants as if they were a drum set while some part of the 700 members of my new posse and I yelled at her to leave us alone. She really is my best friend. My tragically slow pace was not my friend and everyone had to depart for their classes before I finished the arduous travel to the Administration Building. Gabrielle's eyes measuring you for a casket is a remarkable motivator but didn't stop Rio from blowing a kiss to her "Mi Negro Naughtiness". I know, I know; one day, Rio is just going to vanish without a trace.   "Ms. Reveal, I need an emergency meeting with the Vice Chancellor," Ms. Black requested of Doctor Scarlett's personal assistant. Ms. Reveal didn't miss Gabrielle keeping her distance from me. She did make the call and I noticed the pictures of Ms. Mittens were still in evidence.   "Who are you inside that suit?" Ms. Reveal asked me.   I guess she assumed I wasn't a real baby Sasquatch; I was really a baby Sasquatch disguised as a half-baked marshmallow. If three geeks and a man working beneath his means jump out at me with proton-packs, I am running for my life, which is to say 'I'm going to die.'   "This is Zane. He is not being rude, he can't speak," Ms. Black was kind enough to cover for me.   "Oh, I understand," Ms. Reveal nodded, but in such a way that expressed she didn't understand anything. "You two can go in now," she said several awkward seconds later.   "Zane, you move as close to Ms. Reveal's desk as you can while I get the door for you," Gabrielle instructed me. "Come in when I call for you."   I'm sure Marisol Reveal was curious as to why Gabrielle was dancing around me, trying to keep her distance. We almost made it; right as she made it to the doorway, Doctor Scarlett opened the door and attempted to see what the delay was. She was actually putting an award on a shelf she had just received, the reason she missed Assembly, if you find that suspicious, and was placing it on a shelf near the door.   Gabrielle responded as any slightly unbalanced killer would do; she spun around, pulled out her gun from the unseen Realm of the Gods of War, and pointed it at the stunned Victoria. That took her one half-step too close to me and my little fellas let the world know it. I will give them this much; they were still defending my eardrums.   By the way Marisol was holding her ears as her tears flowed down her face it must have been pure agony for her since I was right next to her. Gabrielle scoped up Victoria and sprinted into her office and they obediently shut up.   "Za-, Zane, what was that?" Marisol blathered. Since the furry meatball gone bad was still on my lips and I hadn't become that hungry, I kept my silence.   "Zane!" Gabrielle called for me. I did my best to shrug but it wasn't like I had a neck anymore so I don't know what she made of my movement. I shuffled to the door and got a few good squeaks as I moved inside. I was more than a little disturbed by the reaction I received from Doctor Scarlett when she saw me from her seat behind her desk. She looked at me and I swear, hand to my heart, she had an orgasm.   "You are covered in Tribbles," she gasped. I had no fucking clue what a Tribble is but apparently, I was in the vast minority. I staggered forward and since Gabrielle was on the right side of the room, I angled to the left. I move halfway around Doctor Scarlett's desk so that Gabrielle could go close the door, where she took up post and, from what happened next engaged a Romulan Cloaking Device, whatever the Muggle-tech that is.   Victoria was in some sort of dream-like trance. When she started stumbling around the desk toward me, I waited for the musical assault that never came. To my credit, I caught on in a second. If these creatures existed, singing wasn't their normal activity, and Cordelia wanted these little 'Squeaky Meals' to be as real as possible, for Victoria. I was nothing but bait.   Victoria reached out to caress the same one Christina had placed over my heart. The little bugger cooed and Victoria clamped her thighs together to contain another orgasm that coursed through her loins. Cool, all I have to do to feel the wonders of Victoria Scarlett is dress myself in furry grapefruit. I'm kicking myself for not seeing this obvious ploy.   She touches more and each makes a subtly different purr of pleasure. This goes on and on until she's cuddled up against me, her arms stroking over my back and rubbing her left leg up and down mine.   "Vice Chancellor, you do realize Zane Braxton is TRAPPED inside those, contraptions," Gabrielle sounds the slightest bit peeved.   The troops all make those little high-pitched notes of longing as Victoria retreats a few steps, bringing Victoria almost to the point where she launches herself back into me to comfort her little friends. I am second fiddle to a discombobulated guinea pig; sometimes a man can feel pretty small.   "Okay. How did this happen to you, Zane?" Victoria asked.   "He cannot talk; one of those Tribbles is attached to his lips," Black stated, "by an unknown force. Before you ask; I am not an engineer or chemist." Victoria made this adorable little 'o' expression, then reached for an offending Tribble.   "It hurts him to remove them," Gabrielle got out just in time.   "Does it hurt the Tribble?" Victoria inquired. Gee, thanks, Vic.   "Hold your ears," Gabrielle commanded. Well, I couldn't comply, and Victoria had only started to scream 'stop' when Gabrielle materialized a knife and speared 'Diddley-boo' off my shoulder.   I heard the little guy's death wail, then his death rattle, as Gabrielle pulled him/her away until she was out of screaming range. Diddley-boo? No, I have no idea what his/her name really was but I'm going to have ICE check his immigration status when all of this is over, wait, I can't do that; Gabrielle wacked the little snot and giving her up to the Feds is a great way to create many widows and orphans. Diddley-boo was still twitching erratically while Victoria was stuck between ecstasy and horror.   "You are a Klingon agent!" Victoria gasped as she pointed an accusatory finger at Gabrielle. I am vaguely aware that they are the stock-villains of Star Trek Universe and this odd snapshot of rightly tight, athletic buns in tighter pants, but the reference memory for the scene escapes me. By the facial reaction Gabrielle gives, Victoria just called candy sweet, or jalapenos hot; she appreciates the comparison.   All the surviving members of the Tribble tribe wept a cacophony of pain and loss. I would have had more sympathy if their moans had not been vibrating my body like a jello mold.   "Romulan," Gabrielle countered; the other stock Trekkie villains, but they have better teeth. First amongst our Honored Dead, DB hardly quivers as Ms. Black dissects it.   It bleeds/oozes and appears to be a living organism of some kind, but Gabrielle points to several electronic devices, a CPU, and wires connecting all kinds of things inside the organic body.   "It is an organic husk over a sensory/auditory device," Gabrielle tried to explain.   "Oh, my God," Victoria's mind worked feverish to defy reality, "they've been turned into Borgs."   She tore the one attached to my lips off. I didn't cry like a televangelist publicly begging God for forgiveness for a moment, or 147 moments, of weakness with a rather sad-looking prostitute, but that was coming.   You see, Victoria gripped her weeping diminutive fuzzy engine of humiliation tightly when she yanked it off, so she let go of it because the little blighter sounded hurt.   It gave off a more muted and mournful 'wee' as it smacked into the corner of my mouth. I was able to dodge a direct hit.   "Scarlett," Gabrielle seethed, "if, you, would, listen, for, a, moment; they are painful to be removed from his flesh and they will attempt to reattach themselves to him if they are brought within one foot. I have no idea why."   "Zane, are you in much pain?" Doctor Scarlett inquired while scanning my body fungi.   "Yes, but I'm sure if you kick me in the nuts, I'll feel better," I mumbled through a joke.   "I can't do that," Victoria gasped. "You have Tribbles down there." Yes, I feel special.   "That's it," Gabrielle snapped. "I'm going to get help." She spun around and breezed out the door, slamming it in her wake.   "Thanks for abandoning me, Gabby," I shouted as loud as I was able. "It's not like Vic's totally lost her mind or anything like that."   "I have not lost my mind," Victoria responded with a deceptively calm, soothing tone. She reinforced my calm by locking the door, then locking in the deadbolt, yes, I felt much safer.   My merry band of orphan coconuts helped things along the cliffs of sanity by cooing and 'talking' to Victoria as she walked around the office, and she gaily responded to them.   "Ms. Reveal, this is going to be a difficult intervention. Inform me when lunch time gets here," Victoria communicated to her assistant, then added, "I need a box of outdoor trash bags; leave them at the door."   Having a hot lady like Victoria Scarlett lock the door and asking for almost 3 hours of 'alone' time with me is a mature pipe dream of mine, and that dream really meets a bloody end when she asks for roughly 30 bags with a fifty-gallon capacity each. If she pulls out a hacksaw or a 'cow-stunner,' I'm racing for the window behind the Doc's desk. I'll be gone in 90 seconds, sort of like an inexpensive microwave dinner.   Doctor Scarlett returned to her desk, turned her spy-cam around, and started making calls. I honestly maintained a miniscule hope that she might still help me. She was talking curtly to another doctor whose name I didn't recognize. What came out of her mouth next sounded like a combination of eating raw meat all your life and gargling with sand regularly; add to that an inflection of someone wanting to kick elementary kids into the paths of oncoming busses and you had the language she was using.   Victoria's stance even changed. She thrust out her chest, put her hands on her hips, and a predatory sneer took up permanent residency on her lips. She even beat on her desk hard during this little exchange before laughing in a way that made kittens piss on themselves before you hung them.   "Vice Chancellor, Doctor Victoria Scarlett, umm, what's going on?" I said careful.   I'm not so much terrified of Victoria at this point, as I am suspicious of my ability to fight at the moment.   "Everything is fine, Zane," Victoria assured me. "In essence, I am bringing in some experts in the field. You can trust me on this; we've been expecting contact like this for years." Huh?   "So, ah, that was an Albanian Biologist?" I hoped.   "No, that was Vor' Dura, Flight Leader of the Blood Quasar Fleet of the Klingon Empire," Victoria explained sedately, in the same way any SANE individual described a Navy Commander. She turned her computer screen so I could see the person's profile pic.   "How does she breathe in that thing?" I wondered. "That's one hell of a corset."   "That isn't a corset, Zane, its body armor. My suit was created by the same armorer," she stated.   "You have something like that?" I boggled.   "Yes, the precise same suit. Vor' Dura is not as blessed by her bloodlines, she's shorter, but otherwise, we are identical; our alliance ended recently and soon she must face me in ritual combat; yield or die." 'Yield or die' isn't what is centermost in my mind.   "Don't your boobs ever pop out of that thing?" Because if you have been paying any attention; I am an idiot where sex is even a remote possibility. Victoria can't meet my gaze but turns as red as her namesake.   "On a few occasions," she confessed. I'm thinking 'a few'. "Now I have a few more calls to make."   Yes, she's lost her ever-loving mind, and I have no reasonable expectation of exit or rescue. I won't be able to get up enough speed to bust out of the window so being on the first floor is meaningless. She has the deadbolt key and when I stack up my Tribbles against her Science Fiction fanaticism, I lose. She turns the monitor around and makes her next call. This one starts with the victory salute, but the one done with two fingers to each side.   "Excellent news," Vicky declares. "We have confirmation of the temporal events from Deep Space Nine. I have compelling data that I have encountered genetic derivatives of the dominant herbivorous life forms of Iota Geminorum IV." And everything went to turkey-based insanity after that. Again, they spoke rapidly in a language I knew nothing about. They acted like giddy little schoolgirls, just schoolgirls with their emotions surgically removed.   The final call went much same way except that this time, the tone of the language was like the second but with the taint of a sleazy pimp or grifter thinking she was a mob boss. These were the kinds of girls you never let babysit your kids if you ever wanted to see them again. The way Vic looked at me and the fellas made me worry about how long I could last in her brothel and inspired an unexpected sympathy for these pests.   "Zane, do you promise to stay here while I, umm, get some, umm outfits?" Victoria requests respectfully. She realizes she's asking me a bizarre favor. Balthazar's Balls, I've been tied to a cross; how much worse can this be? She scoots up to me, kisses me chastely on the lips and waits.   "It is a given that my morning class schedule is toast, and I'm no stranger to the entertainment industry so knock yourself out," I allow, but I will have to pee at some time."   "Check; I'll stop by the infirmary and get a catheter," she nods, then she kisses me lightly on the lips once more. "Thank you for this, Zane."   She's off like a shot but is careful enough to get the deadbolt on the way out. Since I doubt Ms. Reveal can get a fire-axe through the door if the building catches fire, my buddies and I really are going to experience total protonic reversal on a life-ending scale. Only now does it occur to me that these fuzzy navels might have toxic side effects.   I'm waiting around for God-knows how long when I hear some muffled noises, more muffled than having a Tribble in my ear.   Scratch, scratch, "Girl, you get away from that door," Ms. Reveal shouted (I guess).   "Quick, Mercy, hold her back," Rio shouted in response. "This deadbolt is a bitch."   A scuffle ensued and I tried to shout loud enough to call Rio off when I heard two rapid-fire thumps.   "Thank you, Ms. Black," Marisol Reveal huffed. Mercy had put up quite a fight, I guessed. "I will formally press charges when the Vice Chancellor returns."   "You will go and sit your ass behind your desk, you incompetent buffoon," Black snapped. "I will deal with this and if you bother me again today, or mention this incident to Scarlett, I swear you will never see your cat again; and if you don't hop-to in the next six seconds, I'll make an audio recording of me strangling that shit-dumper and play it by your bedroom window every night until you go mad. Do I make myself clear?"   "Ugh," is all I make out, but I hear Marisol's chair squeak soon after. The sound of a body, or bodies, being drug off faded away as Black left the office and headed down the hall. Hell, I warned Marisol. I can't do anything for Rio right now and I don't have too long to ruminate.   "Marisol, are you okay?" I hear Victoria ask her assistant. It is a testament to their bond that even the hysterical Doctor doesn't miss her friend's distress.   "Sorry, Victoria, I'm a bit, umm, heart-sick is all," Marisol murmurs. "Don't you worry about it."   "Well, when you want to talk about it, let me know," Victoria stated. Marisol must have nodded because no words were spoken and Victoria came in with two carry-on bags and three dress bags while kicking the trash bag box ahead of her. Happy fun time was about to begin.   "Sorry for the wait, Zane," Victoria told me.   "Doctor," I made a desperate Hail Mary plea for reason, "you are a highly respected educator. We really need to take a step back and re-examine what's going on here."   "Zane, this is my first teaching job ever," she related as she checked on the progress of her 'Trekkie' Posse.   "My doctorate is in Philosophy; my Master's Degrees are in Comparative Religions and Women's Studies," she informed me. "All my graduate work was done as a researcher. I've never had a student." I blink dumbly at her; and here I thought my opinion of the Board of Directors couldn't get worse.   Victoria goes over the language dance with her friends, switching fluidly from tongue to tongue in a manner that impresses and even fascinates me; and I've been to Bangkok where if you are trying to buy and/or sell anything and don't speak at least ten different languages or dialects, you might as well hand them your wallet or purse and go home. "Who do we need?" Vic said in English (just making sure everyone knows that the Tribbles aren't suddenly translating for me).   "Kar'Thon," Vor' Dura states eagerly; "This matter is a racial imperative."   "Are you sure the young man is old enough?" The second woman inquired. "Jarrod went all obsessive last time a boy crossed our path. We almost sent the kid to college."   "That's what you get for marrying a Ferengi," Dura snidely remarked, and the rest laughed along with it; meanwhile, I'm going 'a what?'   Some infighting goes on until Victoria and 'I married a Ferengi' call for peace, then babble a little more. Then the name 'Zane Braxton' comes up and I'm not sure I'm happy or sad that only one of them replies in what was clearly elation and surprise, the sleazy one knows of me.   "Zane, I need to surgically remove some of the alien organisms," Victoria tells me.   "It is going to sting like hell," I mutter, to which Vor' Dura says something and sleazy girl laughs. I do not like where this is going at all. On the bright side, Victoria doesn't rip one off of me right away; she goes over to one of the dress bags and opens it up.   She's pulling out bondage gear, oops, my bad; she's getting ready to put on Klingon body armor. I have lost all preconceptions of what I was dealing with once Scarlett began stripping in front of me. She even gave me an appreciative smile and I was the one who was doing the appreciating! The little fuckers started going off. Remember, they don't like being moved and I was moving some around at the moment.   No, my legs and arms were perfectly still but my crotch was striking up a chorus, its Handel's Messiah. There was this 'still' moment where Victoria stopped opening her blouse and the three strangers regarding me through the webcam became mute; then the laughter began. Victoria resumed her stripping but she couldn't stop smiling and snickering slightly.   The three, the Klingon uber-cook or whatever she was and her two unknown accomplices, were laughing so hard they could barely communicate. It got better; when I was fully aroused and stopped moving around my pants, they didn't shut up and I was suddenly, desperately searching my mind to know how long that song was.   This was because Vic got down to her, Oh, fuck, this white thong, and calling it white is generous as it looks like someone stole an under-achieving spider's web and gently placed it over her crotch, and I know my hard-on was not going anywhere but into something before it went away.   Victoria was working her make-up on when two of the voices got themselves together enough to ask something. Vic looked up at the web-cam, over to me, then said a few sentences.   "So, which one of you likes your ankles placed behind your ears?" I politely asked in Thai.   "What was that, Brax' Zane?" Victoria asked.   "I'm curious if I can take your virginity with my tongue?" I continued in Thai.   "I cannot understand you," Victoria said again. "What are, ah, "   "I think we should engage the Federation citizen in the Galactic Basic," the second voice requested of the room. The third voice, the sleaze, said one more then in her native tongue, then the second voice, and Victoria jumped on her.   "I said, 'I think the native is getting restless'," sleazy girl grudgingly repeated. "Now, I think we should see if our plan 1.0 can be implemented."   "Before the scourges make themselves hoarse shrilling out the hellish noise or I lose patience, transport over there, and kill them myself," Dura growled playfully. I'm glad someone else was having fun. Victoria walked up and took a deep breath, which caused her well-disciplined, thirty-ish breasts to bounce tantalizingly close. Her look was desperately fearful yet almost childlike too.   "Kar'Thon, I desperately require your assistance before these creatures drive me mad," I tried to sound masculine yet pleading. On the computer screen, Dura quickly slammed her right fist to her right shoulder; I was later to learn that was a salute.   "This is no way for a Starfleet cadet to die," Victoria beamed at me, "even if I know I must someday slaughter you in battle." Whoa, I've never considered NASA as a career choice.   Maybe Klingon bondage gear/standard uniform could change my mind. The first person to tell me university life is boring I will punt to the Moon.   "I am T'Luminareth of the Vulcan Science Academy and Reserve member of the Starfleet Exploration Corps here," the second voice spoke up. I caught sight of a picture of her with this, troll? Or maybe a dwarf with the worst case of cauliflower ear ever. "I would like to assure you that every logical effort is being put forth on your behalf."   "Is that right, Tight Luminescence? Is it going to kill you to show a fellow sentient an ounce of compassion when you know he is about to suffer a fatal toxic shock from prolonged exposure to these vermin?" the third girl snarkily interjected into the conversation. "I'm Hical Cretak, Romulan freebooter and purveyor of ancient, exotic, and misunderstood goods."   "You are a thief, and since you aren't in some asteroid prison, you must be an above average one," I said to the Romulan. "I confess that I am a bit happier to see a member of the Vulcan Science Academy since, well, I'm suffering a splintered memory. Some things make perfect sense but large details are simply missing." I figured I could provide Victoria some good game.   She began rubbing my crotch and there was an effect alright, two in fact. The simple and expectant one was my trouser titan trying to unchain itself so it could get revenge on all of Victoria's orifices for taunting him so. My torturous tiny titmice began belting 'Let's get it on' by Marvin Gaye. I think as an infant, I had a mobile playing this song in my crib.   I started to really admire T'Luminareth's acting ability because she alone kept it together. Victoria made larger and larger circles over my crotch up to my beltline while Dura and Hical lost it hysterically.   "Pssst," I murmured to Victoria. She looked at me and I darted my eyes toward her makeup kit and clothes. I am getting more clothes on her, why?   Besides, I'd gotten a better look at her suit and it didn't have a butt-zipper that said 'Come Get Some,' but those pants rolled down like a candy wrapper and that 'body armor' has a back flap. I'd have to get Rio a set and I doubted Victoria would deny me her armorer's number. I was definitely looking into getting Mercy a matching Orion Slave Girl outfit, and here people don't think I make constructive use of my time.   I was sure Victoria/Kar'Thon was breaking speed records to get herself ready while the other ladies began talking to me about a whole universe that was brand new to me. Getting three different and very conflicting versions of the rise of the Human-dominated Federation of Planets was amusing.   Out of the blue, T'Luminareth decided she was going to create a team to rapidly move to my planet and take me back for further study. Vor' Dora countered that and Hical gleefully sought out salvage rights for the wreckage of the two expeditions.   "That might not be possible," I intervened. "Some of what you've told me has fused some memories together." They all fell silent.   "At Starfleet Academy, an Engineering Team and a select group of cadets," I continued to fantasize, "were directed to work on a, phased ionic drive." Ion drive was 'old' tech, or so Hical had let slip. "The drive failed catastrophically and we couldn't save the impulse drive, power was failing, we couldn't transport. The phased ionic drive detonated in the planet's atmosphere, creating a trans-harmonic disruption. I don't know if there were other survivors of our vessel. I saw another vessel either investigating our explosion or attempting a rescue but they burned up on their approach," I looked pained. "I don't think I could communicate with them and the only survivor I could locate was Kar'Thon."   "Only a combination of our two vessels' technology has been able to punch a hole through the disruption and I'm not sure how long this effect will last." I now sounded grim but determined. "We probably need three things: We need to know if there were any special modifications to the Klingon Scout vessel because I don't think it was a standard model to get so close to an experimental Federation vessel."   "Secondly, someone needs to pry out of Starfleet the precise specifications of that vessel, and that's definitely not me," I confessed. "Finally, we need to find a way to fuse those two designs together because if Tribbles are already being affected by an increased magnetic field, how much longer do we have before even the planet's magnetic field collapses totally and we fry (a SciFi movie plot, thank you)."   Once more, there was silence and I was afraid I'd stepped way beyond my bounds. Only when I took in the masked facial expressions of Kar'Thon did I realize I'd done well. I was hit with the realization I was a word and a whisper away from having sex with her, she was so pleased with me.   "I have friends at Starfleet Academy and they might be able to shed a light on what their cadets were up to," T'Luminareth stated serenely, but I could see a fire in her eyes. "I will research into every work published on Phased Ionic Drives, and we may be forced to work on a theory of what went wrong in case Starfleet is not forthcoming."   "Not that I admit that the Klingon Empire ever had any such vessel operating in the area, Vor' Dura got out before Hical Cretak interrupted.   "You have an officer on the damn planet, you cowardly idiot," mocked Hical.   "I am a deserter," Kar'Thon declared. "I would say I was a 'scum of the Orion Colonies' but I found that you already claimed that title," she aimed at Hical.   "You must die, you traitorous dog," Dura jumped on the offered plum. Thon/Victoria wasn't a deserter but she was ready to take one for the team, so to speak. "The Klingon Empire cannot allow your stain on our honor to exist. Now that we finally have you pinned down, we are coming to end you once and for all, and if the Federation insists on harboring a traitor (we were theoretically in Federation space) then,   "I owe you a death, Vor' Dura," Thon seethed; "your death."   "You may not enter Federation space," T'Luminareth insisted.   "Before you two go to war, again, why don't you let me go in," Hical mediated. "I'm a free trader and have been to both Federation and Klingon planets."   "You are a spy," Vor' Dura growled.   "Being a successful agent doesn't make you any less of spy for your Romulan Senate," T'Luminareth seemed almost furious.   "Unfounded rumors started by my, Hical almost finished before the Tribbles screamed. Not as loud as they had for Ms. Black, but they now didn't like Thon around either, now that Victoria was a Klingon. Cordelia scares me; this time Hical had the little 'hiccup'.   "This is going to be fun," she chuckled, barely above a whisper.   "I will get these vermin no matter how much they hurt the frail human," Kar'Thon snarled, but Victoria's eyes blazed with fanatic amusement. I was mildly curious if she could even respond to her true name but decided not to test that. She pulled out a rather wicked looking knife that I had to double-take to make sure it was plastic.   The conversation went on around us as fictitious bits of data collided with innuendo, falsehoods, threats, and lies. This was roleplaying by some actors who took it as

The path to progressing as a leader isn't always linear. SUMMARY Col. (Ret.) Mike Ott shows how a childhood dream can evolve into a lifetime of impact—from commanding in uniform to leading innovation in healthcare and national defense. Hear more on Long Blue Leadership. Listen now!   SHARE THIS PODCAST LINKEDIN  |  FACEBOOK   MIKE'S LEADERSHIP TAKEAWAYS A leader worth his or her salt should be comfortable not being the smartest person in the room. Striving for a lack of hubris is essential in leadership. Setting a clear vision is a fundamental leadership skill. Moving people without authority is crucial for effective leadership. Resource management is key to achieving organizational goals. Acknowledging what you don't know is a strength in leadership. Effective leaders focus on guiding their teams rather than asserting dominance. Leadership is about influencing and inspiring others. A successful mission requires collaboration and shared vision. True leadership is about empowering others to succeed.   CHAPTERS 00:00: Early Inspiration 06:32: Academy Years 13:17: Military Career Transition 21:33: Financial Services Journey 31:29: MOBE and Healthcare Innovation 40:12: Defense Innovation Unit 48:42: Philanthropy and Community Impact 58:11: Personal Growth and Leadership Lessons   ABOUT MIKE OTT BIO Mike Ott is the Chief Executive Officer of MOBĒ, a U.S.-based company focused on whole-person health and care-management solutions. He became CEO in April 2022, taking the helm to lead the company through growth and operational excellence following a distinguished career in both the military and corporate sectors.  A graduate of the United States Air Force Academy, Mike served as a Colonel in the U.S. Air Force Reserves before shifting into financial services and healthcare leadership roles including private wealth management at U.S. Bank and executive positions with UnitedHealth Group/Optum. His leadership ethos emphasizes alignment, acceleration, and human potential, building cultures where teams can thrive and leveraging data-driven models to improve health outcomes.   CONNECT WITH MIKE LinkedIn MOBE CONNECT WITH THE LONG BLUE LEADERSHIP PODCAST NETWORK TEAM Send your feedback or nominate a guest: socialmedia@usafa.org Ted Robertson | Producer:  Ted.Robertson@USAFA.org    Ryan Hall | Director:  Ryan.Hall@USAFA.org  Bryan Grossman | Copy Editor:  Bryan.Grossman@USAFA.org Wyatt Hornsby | Executive Producer:  Wyatt.Hornsby@USAFA.org      ALL PAST LBL EPISODES  |  ALL LBLPN PRODUCTIONS AVAILABLE ON ALL MAJOR PODCAST PLATFORMS     OUR SPEAKERS Guest, Col. (Ret.) Mike Ott '85  |  Host, Lt. Col. (Ret.) Naviere Walkewicz '99   FULL TRANSCRIPT Naviere Walkewicz 0:00 A quick programming note before we begin this episode of Long Blue Leadership: This episode will be audio-only, so sit back and enjoy the listen. Welcome to Long Blue Leadership, the podcast where we share insights on leadership through the lives and experiences of Air Force Academy graduates. I'm Naviere Walkewicz, Class of '99. Today, on Long Blue Leadership, we welcome Col. (Ret.) Mike Ott, Class of 1985, a leader whose vision was sparked at just 9 years old during a family road trip past the Air Force Academy. That childhood dream carried him through a 24-year Air Force career, culminating in retirement as a colonel and into a life of leadership across business, innovation and philanthropy. Mike is the CEO of MOBE, a groundbreaking company that uses data analytics and a revolutionary pay-for-results model to improve health outcomes while reducing costs. He also serves as a senior adviser to the Defense Innovation Unit, supporting the secretary of defense in accelerating commercial innovation for national security. A member of the Forbes Councils, Mike shares his expertise with leaders around the world. A former Falcon Foundation trustee and longtime supporter of the Academy, Mike has given generously his time, talents and resources to strengthen the Long Blue Line. His story is one of innovation and service in uniform, in the marketplace and in his community. Mike, welcome to Long Blue Leadership. We're so glad to have you here.   Mike Ott 1:29 Naviere, thanks a ton. I'm glad to be here. Naviere Walkewicz 1:31 Yes, yes. Well, we're really excited. I mean, you're here for your 40th reunion.   Mike Ott 1:35 Yeah, it's crazy.   Naviere Walkewicz1:37 You came right in, and we're so pleased that you would join us here first for this podcast.   Mike Ott 1:39 Right on. Thanks for the time.   Naviere Walkewicz 1:41 Absolutely. Well, let's jump right in, because not many people can say at 9 years old they know what they want to do when they grew up, but you did. Mike Ott 1:48 Yeah. I guess some people can say it; might not be true, but for me, it's true, good or bad. And goodness gracious, right? Here for my 40th reunion, do the math team, and as a 9-year-old, that was 1972, And a lot was going on in the world in 1972 whether it was political unrest, Vietnam and all of that, and the Academy was in the thick of it. And so we had gone — It was our first significant family vacation. My father was a Chicago policeman. We drove in the 1968 Buick LaSabre, almost straight through. Stopped, stayed at a Holiday Inn, destination Colorado, simply, just because nobody had ever seen the mountains before. That was why. And we my parents, mom, mom and dad took myself. I have two younger sisters, Pikes Peak, Academy, Garden of the Gods, Royal Gorge. And I remember noon meal formation, and the bell going off. Guys at the time — we hadn't had women as cadets at that point in time — running out in their flight suits as I recall lining up ready to go. And for me, it was the energy, right, the sense of, “Wow, this is something important.” I didn't know exactly how important it was, but I knew it was important, and I could envision even at that age, there was they were doing good, Naviere Walkewicz 3:21 Wow. Nine years old, your family went on vacation, and it just struck you as this is important and something that I want to do. So what did that conversation look like after that experience that you had as a 9-year-old and kind of manifest this in yourself? How did that go with your parents? Mike Ott 3:36 Well, I didn't say too much about it, as I was in grammar school, but as high school hit, you know, I let my folks know what my plans were, and I had mom and dad — my mother's still alive, my father passed about a year ago. Very, very good, hard-working, ethical people, but hadn't gone to college, and we had been told, “Look, you know, you need to get an education.” They couldn't. I wish they had. They were both very, very, very bright, and so I knew college was a plan. I also knew there wasn't a lot of money to pay for it. So I'm certain that that helped bake in a few things. But as I got into high school, I set my sights. I went to public high school in Chicago, and I remember freshman year walking into my counselor's office, and said, “I want to go to the Air Force Academy,” and he kind of laughed.   Naviere Walkewicz 3:21 Really?   Mike Ott 3:22 Well, we had 700 kids in my class, and maybe 40% went on to college, right? And the bulk of them went to community college or a state school. I can count on one hand the number of folks that went to an academy or an Ivy League school or something of that. So it was it was around exposure. It had nothing to do with intelligence. It was exposure and just what these communities were accustomed to. A lot of folks went into the trades and pieces like that. So my counselor's reaction wasn't one of shock or surprise insofar as that's impossible. It was, “We haven't had a lot of people make that commitment this early on, and I'm glad to help.”   Naviere Walkewicz 5:18 Oh, I love that.   Mike Ott 5:19 Which is wonderful, and what I had known at the time, Mr. Needham...   Naviere Walkewicz 5:23 You Remember his name?   Mike Ott 5:24 Yeah, he was in the Navy Reserves. He was an officer, so he got the joke. He got the joke and helped me work through what classes to take, how to push myself. I didn't need too much guidance there. I determined, “Well, I've got to distinguish myself.” And I like to lean in. I like a headwind, and I don't mind a little bit of an uphill battle, because once you get up there, you feel great. I owe an awful lot to him. And, not the superintendent, but the principal of our school was a gentleman named Sam Ozaki, and Sam was Japanese American interned during World War II as a young man, got to of service age and volunteered and became a lieutenant in the Army and served in World War II in Europe, right, not in Asia. So he saw something in me. He too became an advocate. He too became someone that sought to endorse, support or otherwise guide me. Once I made that claim that I was going to go to the Academy. Naviere Walkewicz 6:30 Wow. So you mentioned something that really stuck with me. You said, you know, you didn't mind kind of putting yourself out there and doing the hard things, because you knew when you got to the top it was going to feel really great. Was that something you saw from your father? Was that something, there are key leaders in your life that emulated that? Or is that just something that you always had in yourself? Mike Ott 6:51 I would say there's certainly an environmental element to it — how I was raised, what I was exposed to, and then juxtaposition as to what I observed with other family members or other parts of the community where things didn't work out very well, right? And, you know, I put two and two together. y father demonstrated, throughout his entire career what it means to have a great work ethic. As did mom and, you know, big, tough Chicago cop for 37 years. But the other thing that I learned was kindness, and you wouldn't expect to learn that from the big, tough Chicago cop, but I think it was environment, observing what didn't occur very often and how hard work, if I apply myself, can create outcomes that are going to be more fulfilling for me. Naviere Walkewicz 7:48 Wow, you talked about kindness. How did you see kindness show up in your journey as a cadet at the Air Force Academy? Or did you? Mike Ott 7:58 Yeah, gosh, so I remember, started in June of 1981, OK, and still connected with many of the guys and women that with whom I went to basic training and all that. The first moment of kindness that I experienced that it was a mutual expression, but one where I recognized, “Wow, every one of us is new here. None of us has a real clue.” We might have some idea because we had somebody had a sibling or a mother that was in the military or father that went to the academy at the time, but none of us really knew, right? We were knuckleheads, right? Eighteen years old. Maybe there were a couple of prior-enlisted folks. I don't recall much of that, but I having gone to a public high school in Chicago, where we had a variety of different ethnicities. I learned how to just understand people for who they are, meet them for who they are, and respect every individual. That's how I was raised, and that's how I exhibited myself, I sought to conduct myself in high school. So I get to the Academy, and you're assigned, you know, the first couple three nights, the first few weeks before you go to Jacks Valley, you're assigned. It was all a alphabetical, and my roommate was an African American fellow named Kevin Nixon. All right, my God, Kevin Nixon, and this guy, he was built. I mean, he was rock solid, right? And he had that 1000-yard stare, right? Very intimidating. And I'm this, like, 6-foot-tall, 148-pound runner, like, holy dork, right? And I'm assigned — we're roommates, and he just had a very stoicism, or a stoic nature about him. And I remember, it was our second night at the Academy, maybe first night, I don't quite recall, and we're in bed, and it's an hour after lights out, and I hear him crying, and like, well, what do you do? Like, we're in this together. It was that moment, like we're both alone, but we're not right. He needs to know that he's not alone. So I walked around and went over his bed, and I said, “Hey, man, I miss my mom and dad too. Let's talk. And we both cried, right? And I'll tell you what, he and I were pals forever. It was really quite beautiful. And what didn't happen is he accepted my outreach, right? And he came from a very difficult environment, one where I'm certain there was far more racial strife than I had experienced in Chicago. He came from Norfolk, Virginia, and he came from — his father worked in the shipyards and really, really tough, tough, tough background. He deserved to be the Academy. He was a great guy, very bright, and so we became friends, and I tried to be kind. He accepted that kindness and reciprocated in ways where he created a pretty beautiful friendship. Naviere Walkewicz 7:48 Oh, my goodness. Thank you for sharing that story. And you got me in the feels a little bit, because I remember those nights, even you know me having family members that went through the Academy. There's just something about when you're in it yourself, and in that moment, it's raw.   Mike Ott 11:13 Raw is a good word. Naviere Walkewicz 11:15 Oh, thank you for that. So you're at the Academy and you end up doing 24 years. I don't mean to, like, mash all that into one sentence, but let's talk… Mike Ott 11:22 I didn't do very much. It was the same year repeated 24 times over. Like, not a very good learner, right? Not a very good learner. Naviere Walkewicz 11:30 Yeah, I was gonna ask, you know, in that journey, because, had you planned to do a career in the Air Force? Mike Ott 11:36 Well, I didn't know, right? I went in, eyes wide open, and my cumulative time in the Air Force is over 24 but it was only it was just shy of seven active duty, and then 22, 23, in the Reserves, right? I hadn't thought about the Reserves, but I had concluded, probably at the, oh, maybe three-year mark that I wanted to do other things. It had nothing to do with disdain, a sense of frustration or any indignation, having gone to the Academy, which I'm very, very proud of, and it meant an awful lot to who I am. But it was, “Wait, this is, this is my shot, and I'm going to go try other things.” I love ambiguity, I'm very curious. Have a growth mindset and have a perhaps paradoxical mix of being self-assured, but perhaps early on, a bit too, a bit too, what's the word I was thinking of? I wrote this down — a bit too measured, OK, in other words, risk taking. And there were a few instances where I realized, “Hey, man, dude, take some risk. What's the downside? And if it isn't you, who else?” So it was that mindset that helped me muscle through and determine that, coupled with the fact that the Air Force paid for me to go to graduate school, they had programs in Boston, and so I got an MBA, and I did that at night. I had a great commander who let me take classes during the day when I wasn't traveling. It was wonderful. It was there that I was exposed to elements of business and in financial services, which ultimately drew me into financial services when I separated from active duty. Naviere Walkewicz 13:17 Well, I love that, because first you talked about a commander that saw, “How can I help you be your best version of yourself?” And I think the other piece of financial service, because I had to dabble in that as well — the second word is service. And so you've never stopped serving in all the things that you've done. So you took that leap, that risk. Is that something that you felt developed while you're at the Academy, or it's just part of your ethos. Mike Ott 13:41 It developed. It matured. I learned how to apply it more meaningfully at the Academy after a couple, three moments, where I realized that I can talk a little bit about mentoring and then I can come back to that, but mentoring — I don't know, I don't recall having heard that term as a mechanism for helping someone develop. I'm sure we used it when I was a cadet at the Academy and out of the Academy, and having been gone through different programs and banking and different graduate programs, the term comes up an awful lot. You realize, wow, there's something there helping the next generation, but also the reciprocity of learning from that generation yourself. I didn't really understand the whole mentoring concept coming out of Chicago and getting here, and just thought things were very hierarchical, very, very command structure, and it was hit the standards or else. And that that's not a bad mindset, right? But it took me a little while to figure out that there's a goodness factor that comes with the values that we have at the Academy, and it's imbued in each one of you know, service excellence, all of those pieces. But for the most part, fellow cadets and airmen and women want to help others. I mean, it's in service. It's in our DNA. Man that blew right past me. I had no idea, and I remember at one point I was entering sophomore year, and I was asked to be a glider instructor. I'd done the soaring and jumping program over the summer, and like, “Hey, you know you're not too bad at glider. You want to be an instructor?” At the time, that was pretty big deal, yeah, glider instructors. Like, “Yeah, no, I'm not going to do that, you know? I've got to study. Like, look at my GPA.” That didn't really matter. “And I'm going to go up to Boulder and go chase women.” Like, I was going to meet women, right? So, like, but I didn't understand that, that that mechanism, that mentoring mechanism, isn't always bestowed upon a moment or a coupling of individuals. There are just good people out there that see goodness in others that want to help them through that. I had no clue, but that was a turning point for me.   Naviere Walkewicz 15:56 Because you said no.   Mike Ott 15:58 I said no, right? And it was like what, you know, a couple months later, I remember talking with somebody like, “Yep, swing and a miss,” right? But after that, it changed how I was going to apply this self-assuredness, not bravado, but willingness to try new things, but with a willingness to be less measured. Why not? Trust the system. Trust the environment that you're in, the environment that we're in, you were in, I was in, that we're representing right now, it is a trusted environment. I didn't know that. And there were a lot of environments when I was being raised, they weren't trusted environments. And so you have a sort of mental callous mindset in many ways, and that that vigilance, that sense of sentinel is a good protection piece, but it prevents, it prevents... It doesn't allow for the membrane to be permeated, right? And so that trust piece is a big deal. I broke through after that, and I figured it out, and it helped me, and it helped me connect a sense of self-assuredness to perhaps being less measured, more willing to take ambiguity. You can be self-assured but not have complete belief in yourself, OK? And it helped me believe in myself more. I still wish I'd have been glider instructor. What a knucklehead. My roommate wound up becoming one. Like, “You, son of a rat, you.”   Naviere Walkewicz 17:29 So tell me, when did the next opportunity come up where you said yes, and what did that look like in your journey? Mike Ott 17:36 I was a lieutenant. I was a lieutenant, and I was looking for a new role. I was stationed at Hanscom Field, and I was working at one program office, and I bumped — I was the athletic officer for the base with some other folks, and one of the colonels was running a different program, and he had gotten to know me and understand how I operated, what I did, and he said, “Hey, Ott, I want you to come over to my program.” And I didn't know what the program was, but I trusted him, and I did it blindly. I remember his name, Col. Holy Cross. And really good guy. And yeah, I got the tap on the shoulder. Didn't blink. Didn't blink. So that was just finishing up second lieutenant. Naviere Walkewicz 18:26 What a lesson. I mean, something that stuck with you as a cadet, and not that it manifested in regret, but you realized that you missed that opportunity to grow and experience and so when it came around again, what a different… So would you say that as you progress, then you know, because at this point you're a lieutenant, you know, you took on this new role, what did you learn about yourself? And then how did that translate to the decision to move from active duty to the Reserve and into… Mike Ott 18:56 You'll note what I didn't do when I left active duty was stay in the defense, acquisition, defense engineering space. I made a hard left turn…   Naviere Walkewicz 19:13 Intentionally.   Mike Ott 19:14 Intentionally. And went into financial services. And that is a hard left turn away from whether it's military DOD, military industrial complex, working for one of the primes, or something like that. And my mindset was, “If I'm not the guy in the military making the decision, setting strategy and policy…” Like I was an O-3. Like, what kind of policy am I setting? Right? But my point was, if I'm not going to, if I may, if I decided to not stay in the military, I wasn't going to do anything that was related to the military, right, like, “Let's go to green pastures. Set myself apart. Find ways to compete…” Not against other people. I don't think I need to beat the hell out of somebody. I just need to make myself better every day. And that's the competition that I just love, and I love it  it's greenfield unknown. And why not apply my skills in an area where they haven't been applied and I can learn? So as an active-duty person — to come back and answer your question — I had worked some great bosses, great bosses, and they would have career counseling discussions with me, and I was asked twice to go to SOS in-residence. I turned it down, you know, as I knew. And then the third time my boss came to me. He's like, “OK, what are you doing? Idiot. Like, what are you doing?” That was at Year 5. And I just said, “Hey, sir, I think I'm going to do something different.” Naviere Walkewicz 20:47 Didn't want to take the slot from somebody else.   Mike Ott 20:49 That's right. Right. And so then it was five months, six months later, where I put in my papers. I had to do a little more time because of the grad school thing, which is great. And his commander, this was a two-star that I knew as well, interviewed me and like, one final, like, “What are you doing?” He's like, “You could have gone so far in the Air Force.” And I looked at the general — he was a super-good dude. I said, “What makes you think I'm not going to do well outside of the Air Force?” And he smiled. He's like, “Go get it.” So we stayed in touch. Great guy. So it had nothing to do with lack of fulfillment or lack of satisfaction. It had more to do with newness, curiosity, a challenge in a different vein. Naviere Walkewicz 21:30 So let's walk into that vein. You entered into this green pasture. What was that experience like? Because you've just been in something so structured. And I mean, would you say it was just structured in a different way? Mike Ott 21:48 No, not structured. The industry… So, I separated, tried an engineering job for about eight months. Hated it. I was, I was development engineer at Ford Motor Company, great firm. Love the organization, bored stiff, right? Just not what I wanted to do, and that's where I just quit. Moved back to Chicago, where I'm from, and started networking and found a role with an investment bank, ABN AMRO, which is a large Dutch investment bank that had begun to establish itself in the United States. So their headquarters in Chicago and I talked fast enough where somebody took a bet on me and was brought into the investment banking arm where I was on the capital markets team and institutional equities. So think of capital markets, and think of taking companies public and distributing those shares to large institutions, pensions funds, mutual funds, family offices.   Naviere Walkewicz 22:48 So a lot of learning and excitement for you.   Mike Ott 22:51 Super fun. And so the industry is very structured. How capital is established, capital flows, very regulated. We've got the SEC, we've got the FDIC, a lot of complex regulations and compliance matters. That's very, very, very structured. But there was a free-wheelingness in the marketplace. And if you've seen Wolf of Wall Street and things like that, some of that stuff happened. Crazy! And I realized that with my attitude, sense of placing trust in people before I really knew them, figuring that, “OK, what's the downside? I get nipped in the fan once, once or twice. But if I can thrust trust on somebody and create a relationship where they're surprised that I've trusted them, it's probably going to build something reciprocal. So learn how to do that.” And as a young fellow on the desk, wound up being given more responsibility because I was able to apply some of the basic tenets of leadership that you learned and I learned at the Academy. And face it, many of the men and women that work on Wall Street or financial services simply haven't gone to the Academy. It's just, it's the nature of numbers — and don't have that experience. They have other experiences. They have great leadership experiences, but they don't have this. And you and I may take it for granted because we were just four years of just living through it. It oozed in every moment, every breath, every interaction, every dialog, it was there.But we didn't know it was being poured in, sprinkled across as being showered. We were being showered in it. But I learned how to apply that in the relationships that I built, knowing that the relationships that I built and the reputation that I built would be lasting and impactful and would be appropriate investments for the future endeavors, because there's always a future, right? So it wasn't… again, lot of compliance, lot of regulations, but just the personalities. You know, I did it for the challenge, right? I did it because I was curious. I did it because I wanted to see if I could succeed at it. There were other folks that did it simply because it was for the money. And many, some of them made it. They might have sold their soul to get there. Some didn't make it. Maybe it wasn't the right pursuit for them in the first place. And if I go back to mentoring, which we talked about a little bit, and I help young men and women, cadets or maybe even recent grads, my guidance to them is, don't chase the money, chase the environment, right? And chase the environment that allows you to find your flow and contribute to that environment. The money will come. But I saw it — I've seen it with grads. I've seen it with many of the folks that didn't make it in these roles in financial services, because I thought, “Hey, this is where the money is.” It might be. But you have to go back to the basis of all this. How are you complected? What are your values? Do they align with the environment that you're in? And can you flow in a way where your strengths are going to allow success to happen and not sell your soul? Naviere Walkewicz 26:26 Yeah, you said two things that really stood out to me in that —the first one was, you know, trusting, just starting from a place of trust and respect, because the opportunity to build a relationship faster, and also there's that potential for future something. And then the second thing is the environment and making sure it aligns with your values. Is that how you got to MOBE? Mike Ott 26:50 Yeah, I would say how I got to MOBE, that certainly was a factor. Good question.   Naviere Walkewicz 26:57 The environment, I feel, is very much aligned Mike Ott 27:00 Very much so and then… But there's an element of reputation and relationship that allowed me to get there. So now I'm lucky to be a part of this firm. We're 250 people. We will do $50 million of revenue. We're growing nicely. I've been in health care for four years. Now, we are we're more than just healthcare. I mean, it's deep data. We can get into some of that later, but I had this financial services background. I was drawn to MOBE, but I had established a set of relationships with people at different investment banks, with other families that had successfully built businesses and just had relationships. And I was asked to come on to the board because MOBE, at the time, great capabilities, but struggled with leadership during COVID. Lot of companies did. It's not an indictment as to the prior CEO, but he and the team struggled to get through COVID. So initially I was approached to come on to the board, and that was through the founders of the firm who had known me for 20 years and knew my reputation, because I'd done different things at the investment bank, I'd run businesses at US Bank, which is a large commercial bank within the country, and they needed someone that… They cared very little about health care experience, which is good for me, and it was more around a sense of leadership. They knew my values. They trusted me. So initially I was asked to come onto the board, and that evolved into, “No, let's just do a whole reset and bring you on as the CEO.” Well, let's go back to like, what makes me tick. I love ambiguity. I love a challenge. And this has been a bit of a turnaround in that great capabilities, but lost its way in COVID, because leadership lost its way. So there's a lot of resetting that needed to occur. Corpus of the firm, great technology, great capabilities, but business model adaptation, go to market mechanisms and, frankly, environment. Environment. But I was drawn to the environment because of the people that had founded the organization. The firm was incubated within a large pharmaceutical firm. This firm called Upsher-Smith, was a Minnesota firm, the largest private and generic pharmaceutical company in the country, and sold for an awful lot of money, had been built by this family, sold in 2017 and the assets that are MOBE, mostly data, claims, analysis capabilities stayed separate, and so they incubated that, had a little bit of a data sandbox, and then it matriculated to, “Hey, we've got a real business here.” But that family has a reputation, and the individuals that founded it, and then ultimately found MOBE have a reputation. So I was very comfortable with the ambiguity of maybe not knowing health care as much as the next guy or gal, but the environment I was going into was one where I knew this family and these investors lived to high ethical standards, and there's many stories as to how I know that, but I knew that, and that gave me a ton of comfort. And then it was, “We trust you make it happen. So I got lucky. Naviere Walkewicz 30:33 Well, you're, I think, just the way that you're wired and the fact that you come from a place of trust, obviously, you know, OK, I don't have the, you know, like the medical background, but there are a lot of experts here that I'm going to trust to bring that expertise to me. And I'm going to help create an environment that they can really thrive in. Mike Ott 30:47 I'm certain many of our fellow alum have been in this experience, had these experiences where a leader worth his or her salt should be comfortable not being the smartest gal or guy in the room. In fact, you should strive for that to be the case and have a sense of lack of hubris and proudly acknowledge what you don't know. But what I do know is how to set vision. What I do know is how to move people without authority. What I do know is how to resource. And that's what you do if you want to move a mission, whether it's in the military, small firm like us that's getting bigger, or, you know, a big organization. You can't know it all. Naviere Walkewicz 31:30 So something you just mentioned that I think a lot of our listeners would really like, would love a little bit to peel us back a little bit. You said, “I know how to set a vision. I know how to…” I think it was move…   Mike Ott 31:45 Move people without authority and prioritize.   Naviere Walkewicz 31:47 But can we talk a little bit about that? Because I think that is really a challenge that some of our you know younger leaders, or those early in their leadership roles struggle with. Maybe, can you talk a little bit about that? Mike Ott 32:01 For sure, I had some — again, I tried to do my best to apply all the moments I had at the Academy and the long list of just like, “What were you thinking?” But the kindness piece comes through and… Think as a civilian outside looking in. They look at the military. It's very, very, very structured, OK, but the best leaders the men and women for whom you and I have served underneath or supported, never once barked an order, OK? They expressed intent, right? And you and I and all the other men and women in uniform, if we were paying attention, right, sought to execute the mission and satisfaction of that intent and make our bosses' bosses' jobs easier. That's really simple. And many outsiders looking in, we get back to just leadership that are civilians. They think, “Oh my gosh, these men and women that are in the military, they just can't assimilate. They can't make it in the civilian world.” And they think, because we come from this very, very hierarchical organization, yes, it is very hierarchical — that's a command structure that's necessary for mission execution — but the human part, right? I think military men and women leaders are among the best leaders, because guess what? We're motivating men and women — maybe they get a pat on the back. You didn't get a ribbon, right? Nobody's getting a year-end bonus, nobody's getting a spot bonus, nobody's getting equity in the Air Force, and it's gonna go public, right? It's just not that. So the best men and women that I for whom I've worked with have been those that have been able to get me to buy in and move and step up, and want to demonstrate my skills in coordination with others, cross functionally in the organization to get stuff done. And I think if there's anything we can remind emerging graduates, you know, out of the Academy, is: Don't rely on rank ever. Don't rely on rank. I had a moment: I was a dorky second lieutenant engineer, and we were launching a new system. It was a joint system for Marines, Navy and Air Force, and I had to go from Boston to Langley quite often because it was a TAC-related system, Tactical Air Force-related system. And the I was the program manager, multi-million dollar program for an interesting radio concept. And we were putting it into F-15s, so in some ground-based situations. And there was this E-8, crusty E-8, smoked, Vietnam, all these things, and he was a comms dude, and one of the systems was glitching. It just wasn't working, right? And we were getting ready to take this thing over somewhere overseas. And he pulls alongside me, and it's rather insubordinate, but it was a test, right? He's looking at me, Academy guy, you know, second lieutenant. He was a master sergeant, and he's like, “Well, son, what are we going to do now?” In other words, like, “We're in a pickle. What are we going to do now?” But calling me son. Yeah, it's not appropriate, right? If I'd have been hierarchical and I'd relied on rank, I probably would have been justified to let him have it. Like, that's playing short ball, right? I just thought for a second, and I just put my arm around him. I said, “Gee, Dad, I was hoping you're gonna help me.” And mother rat, we figured it out, and after that, he was eating out of my hand. So it was a test, right? Don't be afraid to be tested but don't take the bait. Naviere Walkewicz 35:46 So many good just lessons in each of these examples. Can you share a time at MOBE when you've seen someone that has been on your team that has demonstrated that because of the environment you've created? Mike Ott 35:57 For sure. So I've been running the firm now for about three and a half years. Again, have adapted and enhanced our capabilities, changed the business model a bit, yet functioning in our approach to the marketplace remains the same. We help people get better, and we get paid based on the less spend they have in the system. Part of some of our principles at MOBE are pretty simple, like, eat, sleep, move, smile, all right. And then be thoughtful with your medication. We think that medicine is an aid, not a cure. Your body's self-healing and your mind controls your body.   Naviere Walkewicz 36:32 Eat, sleep, move, smile. Love that.   Mike Ott 36:35 So what's happening with MOBE, and what I've seen is the same is true with how I've altered our leadership team. I've got some amazing leaders — very, very, very accomplished. But there are some new leaders because others just didn't fit in. There wasn't the sense of communal trust that I expected. There was too much, know-it-all'ing going on, right? And I just won't have that. So the easiest way to diffuse that isn't about changing head count, but it's around exhibiting vulnerability in front of all these folks and saying, “Look, I don't know that, but my lead pharmacist here, my lead clinician here, helped me get through those things.” But I do have one leader right, who is our head of vice president of HR, a woman who grew up on a farm in southern Minnesota, who has come to myself and our president and shared that she feels liberated at MOBE because, though this firm is larger than one that she served as a director of HR, previously, she's never had to look — check her six, look right, look left and seek alignment to ensure she's harmonizing with people. Naviere Walkewicz 37:49 Can you imagine being in an environment like that? Mike Ott 38:51 It's terrible, it's toxic, and it's wrong. Leaders, within the organization, I think you're judged more by what you don't do and the actions that you don't take. You can establish trust, and you will fortify that trust when you share with the team as best you can, so long as it's nothing inappropriate, where you made a mistake, where we went wrong. What did we learn from that? Where are we going to pivot? How we're going to apply that learning to make it better, as opposed to finding blame, pointing the finger or not even acknowledging? That happens all the time, and that toxicity erodes. And regretfully, my VP of HR in prior roles experienced that, and I don't have time. Good teams shouldn't have time to rehearse the basic values of the firm. We don't have time the speed of business is like this [snaps]. So if I can build the team of men and women that trust one another, can stay in their lanes, but also recognize that they're responsible for helping run the business, and look over at the other lanes and help their fellow leaders make adjustments without the indictful comment or without sort of belittling or shaming. That's what good teams, do. You, and I did that in the Air Force, but it is not as common as you would think. Naviere Walkewicz 39:11 20 we've been talking about MOBE, and you know, the environment you're creating there, and just the way that you're working through innovation. Let's talk a little bit how you're involved with DIU, the Defense Innovation Unit. Mike Ott 39:21 Again, it's reputation in relationships. And it was probably 2010, I get a call from a fellow grad, '87 grad who was living in the Beltway, still in uniform. He was an O-5 I was an O-5. Just doing the Academy liaison work, helping good young men and women that wanted to go to the Academy get in. And that was super satisfying, thought that would be the end of my Reserve career and super fun. And this is right when the first Obama administration came in, and one of his edicts and his admin edicts was, we've got to find ways to embrace industry more, right? We can't rely on the primes, just the primes. So those were just some seeds, and along with a couple other grads, created what is now called Joint Reserve Directorate, which was spawned DIUX, which was DIU Experimental, is spawned from. So I was the owner for JRD, and DIUX as a reserve officer. And that's how we all made colonel is we were working for the chief technology officer of the Defense Department, the Hon. Zach Lemnios, wonderful fellow. Civilian, didn't have much military experience, but boy, the guy knew tech — semiconductors and areas like that. But this was the beginning of the United States recognizing that our R&D output, OK, in the aggregate, as a fund, as a percentage of GDP, whether it's coming out of the commercial marketplace or the military DoD complex, needs to be harnessed against the big fight that we have with China. We can see, you know, we've known about that for 30 years. So this is back 14 years ago. And the idea was, let's bring in men and women — there was a woman in our group too that started this area — and was like, “How do we create essential boundary span, boundary spanners, or dual-literacy people that are experiences in capital markets, finance, how capital is accumulated, innovation occurs, but then also how that applies into supporting the warfighter. So we were given a sandbox. We were given a blank slate.   Naviere Walkewicz 41:37 It's your happy place.   Mike Ott 41:38 Oh, super awesome. And began to build out relationships at Silicon Valley with commercial entities, and developed some concepts that are now being deployed with DIU and many other people came in and brought them all to life. But I was lucky enough after I retired from the Reserves as a colonel to be asked to come back as an adviser, because of that background and that experience, the genesis of the organization. So today I'm an unpaid SGE — special government employee — to help DIU look across a variety of different domains. And so I'm sure many of our listeners know it's key areas that we've got to harness the commercial marketplace. We know that if you go back into the '70s, ‘60s and ‘70s, and creation of the internet, GPS, precision munitions and all of that, the R&D dollars spent in the aggregate for the country, 95% came out of DOD is completely flip flopped today. Completely flipped. We happen to live in an open, free society. We hope to have capital markets and access a lot of that technology isn't burdened like it might be in China. And so that's the good and bad of this open society that we have. We've got to find ways. So we, the team does a lot of great work, and I just help them think about capital markets, money flows, threat finance. How you use financial markets to interdict, listen, see signals, but then also different technologies across cyberspace, autonomy, AI. Goodness gracious, I'm sure there's a few others. There's just so much. So I'm just an interloper that helps them think about that, and it's super fun that they think that I can be helpful. Naviere Walkewicz 43:29 Well, I think I was curious on how, because you love the ambiguity, and that's just something that fills your bucket — so while you're leading MOBE and you're creating something very stable, it sounds like DIU and being that kind of special employee, government employee, helps you to fill that need for your ambiguous side.   Mike Ott 43:48 You're right. You're right.   Naviere Walkewicz 43:49 Yeah, I thought that's really fascinating. Well, I think it's wonderful that you get to create that and you just said, the speed of business is this [snaps]. How do you find time in your life to balance what you also put your values around — your health — when you have such an important job and taking care of so many people? Mike Ott 44:06 I think we're all pretty disciplined at the Academy, right? I remain that way, and I'm very, very — I'm spring loaded to ‘no,' right? “Hey, do you want to go do this?” Yeah, I want to try do, I want to do a lot of things, but I'm spring loaded. So like, “Hey, you want to go out and stay, stay up late and have a drink?” “No,” right? “Do you want to do those things?” So I'm very, very regimented in that I get eight hours of sleep, right? And even somebody, even as a cadet, one of the nicknames my buddies gave me was Rip Van Ott, right? Because I'm like, “This is it.” I was a civil engineer. One of my roommates was an astro guy, and I think he pulled an all-nighter once a week.   Naviere Walkewicz 45:46 Oh, my goodness, yeah.   Mike Ott 45:50 Like, “Dude, what are you doing?” And it wasn't like he was straight As. I was clearly not straight As, but I'm like, “What are you doing? That's not helpful. Do the work ahead of time.” I think I maybe pulled three or four all-nighters my entire four years. Now, it's reflected in my GPA. I get that, but I finished the engineering degree. But sleep matters, right? And some things are just nonnegotiable, and that is, you know, exercise, sleep and be kind to yourself, right? Don't compare. If you're going to compare, compare yourself to yesterday, but don't look at somebody who is an F-15 pilot, and you're not. Like, I'm not. My roommate, my best man at my wedding, F-15 pilot, Test Pilot School, all these things, amazing, amazing, awesome, and super, really, really, happy and proud for him, but that's his mojo; that's his flow, right? If you're gonna do any comparison, compare yourself to the man or woman you were yesterday and “Am I better?”. Naviere Walkewicz 44:48 The power of “no” and having those nonnegotiables is really important. Mike Ott 45:53 Yeah, no, I'm not doing that. Naviere Walkewicz 45:56 I think sometimes we're wired for a “we can take on… we can take it on, we can take it on, we can take it on. We got this.” Mike Ott 46:03 For sure. Oh, my goodness. And I have that discussion with people on my team from time to time as well, and it's most often as it relates to an individual on the team that's struggling in his or her role, or whether it's by you know, if it's by omission and they're in the wrong role, that's one thing. If it's by commission, well, be a leader and execute and get that person out of there, right? That's wrong, but from time to time, it's by omission, and somebody is just not well placed. And I've seen managers, I can repatriate this person. I can get him or her there, and you have to stop for a second and tell that leader, “Yeah, I know you can. I'm certain that the only thing you were responsible for was to help that person fulfill the roles of the job that they're assigned. You could do it.” But guess what? You've got 90% of your team that needs care, nurturing and feeding. They're delivering in their function, neglect, there destroys careers, and it's going to destroy the business. So don't, don't get caught up in that. Yeah. Pack it on. Pack it on. Pack it on. You're right. When someone's in the crosshairs, I want to be in the crosshairs with you, Naviere, and Ted, and all the people that you and I affiliate with, but on the day-to-day, sustained basis, right to live, you know, to execute and be fulfilled, both in the mission, the work and stay fit, to fight and do it again. You can't. You can't. And a lot of a little bit of no goes a long way. Naviere Walkewicz 47:40 That is really good to hear. I think that's something that a lot of leaders really don't share. And I think that's really wonderful that you did. I'd like to take a little time and pivot into another area that you're heavily involved, philanthropy side. You know, you've been with the Falcon Foundation. Where did you find that intent inside of you? I mean, you always said the Academy's been part of you, but you found your way back in that space in other ways. Let's talk about that. Mike Ott 48:05 Sure. Thank you. I don't know. I felt that service is a part of me, right? And it is for all of us, whether you stay in the military or not. Part of my financial services jobs have been in wealth management. I was lucky enough to run that business for US Bank in one of my capacities, and here I am now in health care, health care of service. That aligns with wanting things to be better across any other angle. And the philanthropic, philanthropic side of things — I probably couldn't say that word when I was a cadet, but then, you know, I got out and we did different volunteer efforts. We were at Hanscom Field raising money for different organizations, and stayed with it, and always found ways to have fun with it. But recognized I couldn't… It was inefficient if I was going to be philanthropic around something that I didn't have a personal interest in. And as a senior executive at US Bank, we were all… It was tacit to the role you had roles in local foundations or community efforts. And I remember sitting down with my boss, the CFO of the bank, and then the CEO, and they'd asked me to go on to a board, and it had to do with a museum that I had no interest in, right? And I had a good enough relationship with these, with these guys, to say, “Look, I'm a good dude. I'm going to be helpful in supporting the bank. And if this is a have to, all right, I'll do it, but you got the wrong guy. Like, you want me to represent the bank passionately, you know, philanthropically, let me do this. And they're like, “OK, great.” So we pivoted, and I did other things. And the philanthropic piece of things is it's doing good. It's of service for people, entities, organizations, communities or moments that can use it. And I it's just very, very satisfying to me. So my wife and I are pretty involved that way, whether it's locally, with different organizations, lot of military support. The Academy, we're very fond of. It just kind of became a staple. Naviere Walkewicz 50:35 Did you find yourself also gravitating toward making better your community where you grew up? Mike Ott 50:41 Yeah, yeah, yeah. One of my dear friends that grew up in the same neighborhood, he wound up going to the Naval Academy, and so we're we've been friends for 50 years. Seventh grade.   Naviere Walkewicz 50:53 Same counselor? Mike Ott50:54 Yeah, no. Different counselor, different high school. His parents had a little bit of money, and they, he wound up going to a Catholic school nearby. But great guy, and so he and I, he runs a business that serves the VA in Chicago, and I'm on the board, and we do an awful lot of work. And one of the schools we support is a school on the south side, largely African American students and helping them with different STEM projects. It's not going to hit above the fold of a newspaper, but I could give a rat, doesn't matter to me, seeing a difference, seeing these young men and women. One of them, one of these boys, it's eye watering, but he just found out that he was picked for, he's applying to the Naval Academy, and he just found out that he got a nomination.   Naviere Walkewicz 51:44 Oh my goodness, I just got chills.   Mike Ott 51:46 And so, yeah, yeah, right, right. But it's wonderful. And his parents had no idea anything like that even existed. So that's one that it's not terribly formal, but boy, it looks great when you see the smile on that kid and the impact on that individual, but then the impact it leaves on the community, because it's clear opportunity for people to aspire because they know this young man or this young woman, “I can do that too.” Naviere Walkewicz 52:22 Wow. So he got his nomination, and so he would start technically making class of 2030?   Mike Ott 52:27 That's right. Naviere Walkewicz 52:28 Oh, how exciting. OK Well, that's a wonderful…   Mike Ott 52:27 I hope, I hope, yeah, he's a great kid. Naviere Walkewicz 52:33 Oh, that is wonderful. So you talk about, you know that spirit of giving — how have you seen, I guess, in your journey, because it hasn't been linear. We talked about how you know progression is not linear. How have you grown throughout these different experiences? Because you kind of go into a very ambiguous area, and you bring yourself, and you grow in it and you make it better. But how have you grown? What does that look like for you? Mike Ott 53:02 After having done it several times, right, i.e. entering the fray of an ambiguous environment business situation, I developed a better system and understanding of what do I really need to do out of the gates? And I've grown that way and learn to not be too decisive too soon. Decisiveness is a great gift. It's really, really it's important. It lacks. It lacks because there are too many people, less so in the military, that want to be known for having made… don't want to be known for having made a bad decision, so they don't take that risk. Right, right, right. And so that creates just sort of the static friction, and you've just got to have faith and so, but I've learned how to balance just exactly when to be decisive. And the other thing that I know about me is I am drawn to ambiguity. I am drawn… Very, very curious. Love to learn, try new things, have a range of interests and not very good at any one thing, but that range helps me in critical thinking. So I've learned to, depending on the situation, right, listen, listen, and then go. It isn't a formula. It's a flow, but it's not a formula. And instinct matters when to be decisive. Nature of the people with whom you're working, nature of the mission, evolution, phase of the organization or the unit that you're in. Now is the time, right? So balancing fostering decisiveness is something that that's worth a separate discussion. Naviere Walkewicz 54:59 Right. Wow. So all of these things that you've experienced and the growth that you've had personally — do you think about is this? Is this important to you at all, the idea of, what is your legacy, or is that not? Mike Ott 55:13 We talked a little bit about this beforehand, and I thought I've got to come up with something pithy, right? And I really, I really don't.   Naviere Walkewicz 55:18 Yeah, you don't.   Mike Ott 55:19 I don't think of myself as that. I'm very proud of who I am and what I've done in the reputation that I have built. I don't need my name up in lights. I know the life that I'm living and the life that I hope to live for a lot longer. My legacy is just my family, my children, the mark that I've left in the organizations that I have been a part of.   Naviere Walkewicz 55:58 And the communities that you've touched, like that gentleman going and getting his nomination. I'm sure.   Mike Ott 56:04 Yeah, I don't… having been a senior leader, and even at MOBE, I'm interviewed by different newspapers and all that. Like I do it because I'm in this role, and it's important for MOBE, but I'm not that full of myself, where I got to be up in lights. So I just want to be known as a man that was trustworthy, fun, tried to meet people where they are really had flaws, and sought to overcome them with the few strengths that he had, and moved everything forward. Naviere Walkewicz 56:33 Those are the kind of leaders that people will run through fire for. That's amazing. I think that's a wonderful I mean that in itself, it's like a living legacy you do every day. How can I be better than I was yesterday? And that in itself, is a bit of your living and that's really cool. Well, one of the things we like to ask is, “What is something you're doing every day to be better as a leader?” And you've covered a lot, so I mean, you could probably go back to one of those things, but is there something that you could share with our listeners that you do personally every day, to be better? Mike Ott 57:05 Exercise and read every day, every day, and except Fridays. Fridays I take… that's like, I'll stretch or just kind of go for a walk. But every day I make it a moment, you know, 45 minutes to an hour, something and better for my head, good for my body, right? That's the process in the hierarchy of way I think about it. And then read. Gen. Mattis. And I supported Gen. Mattis as a lieutenant colonel before I wanted to and stuff at the Pentagon. And he I supported him as an innovation guy for JFCOM, where he was the commander. And even back then, he was always talking about reading is leading none of us as military leaders… And I can't hold the candle to the guy, but I learned an awful lot, and I love his mindset, and that none of us can live a life long enough to take In all the leadership lessons necessary to help us drive impact. So you better be reading about it all the time. And so I read probably an hour every night, every day.   Naviere Walkewicz 58:14 What are you reading right now?   Mike Ott 58:15 Oh, man, I left it on the plane! I was so bummed. Naviere Walkewicz 58:17 Oh, that's the worst. You're going to have to get another copy. Mike Ott 58:22 Before I came here, I ordered it from Barnes & Noble so to me at my house when I get home. Love history and reading a book by this wonderful British author named Anne Reid. And it's, I forget the title exactly, but it's how the allies at the end of World War I sought to influence Russia and overcome the Bolsheviks. They were called the interventionalists, and it was an alliance of 15 different countries, including the U.S., Britain, France, U.K., Japan, Australia, India, trying to thwart, you know, the Bolshevik Revolution — trying to thwart its being cemented. Fascinating, fascinating. So that's what I was reading until I left it on the plane today. Naviere Walkewicz 59:07 How do you choose what to read? Mike Ott 59:10 Listen, write, love history. Love to read Air Force stuff too. Just talk to friends, right? You know, they've learned how to read like me. So we get to talk and have fun with that. Naviere Walkewicz 59:22 That's great. Yeah, that's wonderful. Well, the last question I'd like to ask you, before I want to make sure you have an opportunity to cover anything we didn't, is what is something you would share with others that they can do to become better leaders? Maybe they start doing it now, so in the future, they're even stronger as a leader. Mike Ott 59:42 Two things I would say, and try to have these exist in the same breath in the same moment, is have the courage to make it try and make it better every day, all right, and be kind to yourself, be forgiving. Naviere Walkewicz 59:59 That's really powerful. Can you share an example? And I know I that's we could just leave it there, but being courageous and then being kind to yourself, they're almost on two opposite sides. Have you had, can you share an example where I guess you've done that right? You had to be you were courageous and making something better, and maybe it didn't go that way, so you have to be kind to yourself. Mike Ott 1:00:23 Yeah, happy to and I think any cadet will hear this story and go like, “Huh, wow, that's interesting.” And it also plays with the arc of progress isn't linear. I graduated in '85 went to flight school, got halfway through flight school, and there was a RIF, reduction in force. And our class, our flight class, I was flying jets, I was soloing. I was academically — super easy, flying average, right? You know, I like to joke that I've got the fine motor skills of a ham sandwich, right? You know, but, but I didn't finish flight school. And you think about this, here it is. I started in 1981 there were still vestiges of Vietnam. Everyone's going to be a fighter pilot. Kill, kill, kill. Blood makes the grass grow. All of that was there. And I remember when this happened, it was very frustrating for me. It was mostly the major root of frustration wasn't that I wasn't finishing flight school. It was the nature by which the determination that I wasn't finishing was made. And it was, it was a financial decision. We had too many guys and gals, and they were just finding, you know, average folks and then kicking them out. So our class graduated a lower percent than, I think, in that era, it was late '85, '86, maybe '87, but you can look at outflows, and it was interesting, they were making budget cuts. So there was a shaming part there, having gone to the Academy.   Naviere Walkewicz 1:02:02 And knowing since 9 years old. Mike Ott 1:20:04 Right, right, right, and I knew I wanted to go the Academy. I'd like to fly, let's check it out and see if it's for me. I would much rather have been not for me, had I made the decision I don't want to do this or that I was just unsafe and didn't want to do it. The way it turned out is, and this is where I learned a little bit about politics as well. In my class, again, I was very average. Like, nobody's ever going to say, like, yeah, I was going to go fly the Space Shuttle. Like, no way, right? Very, very average, but doing just fine. And a lot of guys and gals wanted to go be navigators, and that's great. I looked in the regs, and I learned this as a cadet, and it's helped me in business, too. If there's a rule, there's a waiver. Like, let me understand the regs, and I asked to go to a board. Instead of just submitting a letter to appeal, I asked to go to a board. And so I went to a board of an O-5 five, couple of threes O-4 four, and ultimately shared the essence of why I shouldn't be terminated in the program. And son of a gun, they agreed, and I still have the letter. The letter says, “Recommend Lt. Ott for reinstatement.” Nobody in my class has that letter, nobody makes the appeal. And I'm like, I'm going downstream. I'm going downstream. And that's the Chicago in me, and that's the piece about… but also move forward, but forgive yourself, and I'll get to that. And so I, I was thrilled, My goodness, and the argument I had is, like, look, you're just not keeping me current. You put me in the sim, and then you're waiting too long to put me in the jet. The regs don't allow for that. And like, you're right. So I'm assigned to go back to the jet. My pals are thrilled. I'm going to stay in the same class. I don't have to wash back. And then I get a call from the DO's office — director of operations — and it was from some civilian person so the DO overrode the board's decision. Heartbreaking. Heartbreaking.   Naviere Walkewicz 1:04:12 You were so high, you did all of your work. And then… Mike Ott 1:04:15 Yeah, and then heartbreaking and frustrating, and I guess the word is indignant: anger aroused through frustration. In that I figured it out. I knew exactly what's happening. I made the appeal and I won. And it wasn't I was expecting to be assigned to fly a fighter. It was like, “Just let me, let me express the merits of my capabilities. It's how the system is designed.” The son of a gun, I jumped in my car and I ran to base and I waited and reported in. He didn't really know who I was. That's because he didn't make a decision. It was just it was that decision, and that's how life comes at you. That's just how it is. It isn't linear. So how do you take that and then say, “Well, I'm going to be kind to myself and make something out of it.” And he went through, you know, a dissertation as to why, and I asked him if I could share my views, and it's pretty candid, and I just said, If my dad were something other than the Chicago policeman, and maybe if he was a senator or general officer, I wouldn't be sitting here. That lit him up, right? That lit him up. But I had to state my views. So I knew I was out of the program. Very, very frustrating. Could have had the mayor of Chicago call. Didn't do that, right? Like, OK, I understand where this is it. That was very frustrating and somewhat shaming. But where the forgiveness comes in and be kind to yourself, is that I ran into ground. I ran into ground and drove an outcome where I still… It's a moment of integrity. I drove an outcome like, there you go. But then what do you do? Forgive yourself, right? Because you didn't do anything wrong, OK? And you pivot. And I turned that into a moment where I started cold calling instructors at the Academy. Because, hey, now I owe the Air Force five years, Air Force is looking for, you know, things that I don't want to do. And thank goodness I had an engineering degree, and I cold called a guy at a base in Hanscom. And this is another tap on the shoulder.   Naviere Walkewicz 1:06:24 That's how you got to Hanscom. Gotcha.   Mike Ott 1:06:27 There was a friend who was Class of '83, a woman who was in my squadron, who was there. Great egg. And she's like, “Hey, I was at the O Club.” Called her. I said, “Hey, help me out. I got this engineering degree. I want to go to one of these bases. Called Lt. Col. Davis, right? I met him at the O Club. I called a guy, and he's like, “Yeah, let's do this.”   Naviere Walkewicz 1:06:44 Wow, I love that..   Mike Ott 1:06:46 It was fantastic So it's a long winded way, but progress isn't linear. And progressing through that and not being a victim, right, recognizing the conditions and the environment that I could control and those that I can't. Anything that I could control, I took advantage of and I sought to influence as best possible. Ran into ground and I feel great about it, and it turns out to be a testament of one of my best successes. Naviere Walkewicz 1:07:17 Wow. Thank you for sharing

Christian College Sex Comedy: Part 17 I Need A Bigger Bed? In 30 parts, By FinalStand. Listen to the podcast at Explicit Novels.             Being dead is wonderful; you never get tired and you have all the time in the world to regret how you ended up this way      Yes, Rio," Mercy wiggled in even tighter, "you can annoy me whenever you want." I was starting to seriously work over Heaven's butthole when I caught Barbie Lynn move her lips over to Rio's ear. "You rock," Barbie Lynn whispered to my 'Bro'. Rio kept her eyes shut but grunted in disgust. She was a stone-cold pitiless bad-ass who cared about nothing and nobody, just ask her. "Are you putting your whole god-damn fist up my ass?" Heaven hissed. "That's my thumb, ya big baby," I quietly teased. We owed it to our bed buddies to keep the noise down as much as possible. "That's right, Big Daddy, tear my poor little hinny up," she pouted devilishly. She was on top so she had to press her tits hard against me to whisper in my ear. "Next time I want to be alone so you can treat me like your dog-bitch, press my face into a pillow to stifle my screams, and drill me deeper than you've ever reached before." "Are you trying to make me cum before I even get inside you?" I gasped. "Oh, God, no," Heaven squeaked. "Don't you dare, please," she begged. "You make me feel so good. I'm sorry I teased you. We can take it slow if you want." "If you want to make me happier, play with yourself and let me feel it," I breathed. Heaven struggled for words before giving up and grunting. Her hips shook as she accelerated her hand's manipulations of her cock, which rested tightly against my stomach. At the same time, I switched up my one thumb with three fingers in her rectum. Heaven gave a choked whimper as she took my intrusion tentatively, then pushed down even harder. As my bulbous head pressed past her sphincter, Heaven hiccupped and tears welled in her eyes. "I, I, did the calculations," she gulped. "If I, have sex with you, every twelve hours, my rectum will, adjust so sex, will be more, fun." "You figured this all out?" I teased. "Purely scientific, I swear," she grinned. "It is, not because, I want to, fuck you, all the time." "I respect you for your mind, Heaven, but this time I think you might be too close to the subject matter," I tickled her back. She took hold of my cock. "Too close to this," she gulped. I swiveled my hips back and forth, sending my cock deeper and deeper into Heaven. She eventually gave up any hopes of a coherent argument and curled herself onto my chest, panting. "Hello, Lover," I told her in near silence. "Thank you, my Bitch," she responded between kisses to the line where the jaw meets the throat. The rest of what either one of us wanted to say was lost as I rocked my hips up, propelling my cock even deeper into her bowels. Heaven clawed at my chest as her sexual tension ramped up. Eventually, our symmetry brought Heaven struggling to the end of her road. "Boyfriend, boyfriend, boyfriend," she gurgled. "He's my Boyfriend!" she screamed. At least she didn't use my name, unless you counted the fact that I was the only boy on campus. "Oh, damn," Heaven gasped for air. "Thanks for bringing me back, Zane." We kissed passionately. "Thanks for the, attitude adjustment too." "Huh?" I wondered. I'd heard the term before but not from someone who regularly talked with Heaven. "Iona posted the slang," Heaven gasped-giggled. I shifted my head from the right side of Heaven's head to the left. My shock must have registered with Heaven, whose gaze went from my face to looking over her shoulder to the form of Gabrielle Black. Heaven scrambled off me and pulled the sheets tight. Shades of Gabrielle Black "We need to talk, Zane Braxton." I saw Gabrielle's lips move but I was pretty sure the words floated across the room without disturbing the ears of anyone around us. I gave her a nod, planted on Heaven a reassuring, full-on kiss, then quick-stepped over to a wardrobe and put on a robe. She followed me out, keeping a keen eye on me while mostly hanging in my blind spot. Vivian was sound asleep as we passed her. I took Gabrielle to the far corner of the Solarium, locating a remote control when we were close. Ms. Black gave me a fatally cold look as I punched in the code that would give us a dead zone electronically to talk in. "Surveillance," I held up the remote. She understood the implications. "I want to see more of your so-called gift with women." I had no doubt this was not a sexual come-on. I would have been a hell of a lot happier if it was; instead, it put me in a situation I knew very little about. "Strip," I requested, with as much calm as I could instill in my voice. Gabrielle gave me a lightning assessment, then started shedding her perpetually black outerwear and lingerie. When she finished, the words 'Hot Damn' came up a ton of times unbidden to my thoughts. I worked out regularly, took martial arts, and stretched whenever I could. I might as well have been a coach potato as far as Gabrielle was concerned. She wasn't bulky; rather, strong in the long muscles that counted more for strength and stamina. I still managed to have the courage to ask her to extend her arms and spread her legs. Hell, I even touched her ass, thigh, and caressed the right shoulder twice. When I finished up, I was before her once more. I leaned on the back of a chair and waited, I had taken five minutes, where in most cases it took seconds, but this woman's body wove deceptions like a champion. "Well?" she finally gave in to her curiosity before I gave in to my fear. "Well, I imagine the most important thing to you at this second is the wrists. I did spend some time in a high-pressure private academy in my formative years and I know the difference between horizontal and vertical. Horizontal cuts on the wrist are a cry for help, vertical show a real desire to die." "Now, I can't know for sure that you didn't make two attempts but you look like you're insanely intense, emphasis on the insane, so I guess some fucked up shit happened to you that made you damn sure the only answer was to check out permanently," I stated evenly. "What now?" she questioned me, her intonation utterly devoid of emotion or compassion. "I'd like to tell you what I tell every other woman I learn a secret about, that your past is your business and your business alone," I sighed. "But?" she prodded me. "Gabrielle, your body is a roadmap of pain, suffering, and death," I shrugged, "and there is no damn way you came to this school legally." Gabrielle studied me in a way that made an icy fist grasp my heart. "Of course, I am hardly a poster child for someone who does belong at FFU. Are you going to kill me now or do you want me to continue?" I inquired hopefully. "Mr. Braxton, Zane, the wiring in this place is sub-standard and clearly unauthorized. I would choke you unconscious, put you in the hot tub, then electrocute you," she informed me with the air of a professor describing the events of tenth century Anglo-Saxon England. "I will not do this right now because you are terrified of me, which shows a great deal of insight and intelligence, somewhat remarkable in someone so young," she added. "Okay. Something allowed you to slip past the Psych Evaluation to get into someone's military; I could put that down to being experience with the system plus being clever enough to fool the testers," I said. "Once inside, something fucked up your perception of authority, something not good. I figure you are obsessed with physical defense, bi-sexual, yet your sexual attitude toward me is one of contempt. Since you don't know me enough to hold me in contempt yet, you were abused by a man in authority over you," I delivered the bad news. Gabrielle did not respond. "This is total conjecture but it patches in with what comes later; you entered some kind of actual combat duty. You learned not only that you were good at killing but you liked it. It substituted for sexual release and that whole risk-pain thing you have kept until today. I count six bullet wounds, a knife wound on the back above the right kidney, and two things I guess are shrapnel wounds but I've never seen any before to compare," I added. "I imagine you got out of the regular service because the level of your medical care diminished for a while, then, Bang!, you got this expensive plastic surgery. You do okay for maybe three years, then you pick up that nick in your left ankle, followed by the shoulder getting done," I said. "No indications of why these two injuries?" she narrowed her eyes. "I'm going to go all James Bond on you. Gabrielle Black fell for somebody hard and I'm betting it was a woman. It is kind of frightening to think of what kind of psycho she was to lure you in and trap you," A light flickered in her eyes when I went down this path. "You guarded her, became very close to her as a parade of lovers passed through her life until she sucked you in." "One day you found yourself killing for her and I doubt you asked why. I doubt there was only one time but in the end, it was never enough. One night you came back and found this year's model on the payroll. Gabrielle Black is way too smart to wait for this to play out. You loved her but you liked living more, so you escaped before you were introduced to your employer's retirement plan," I grimaced. "You came back to the United States, your accent indicates time in France or Italy, and this job fell into your lap. Lancaster, Virginia is out of the way enough for you to hide in while close enough to several major cities for you to move around if you need to, so you edit your work record and hire on at an all-girls university," I finished. "What now?" "I don't kill you and Vivian. Making two deaths look like an accident would be incredibly difficult; murder-suicide would only make your female cohorts dig deeper and there are some serious advantages in staying here for me," she stated. Sensing my confusion, she clarified. "Vivian has been awake for some time observing us but I doubt she can hear what we are saying." Gabrielle finished redressing; she gave me a once-over. "My turn. What makes you hard? Seriously, you have been perpetually aroused since I've met you," she mused. "There is a bit of a list: fear, joy, sunlight, moonlight, sex, the impossibility of sex, I informed her. "I understand," Gabrielle cut me off. "Who are you going to tell?" "Christina Buchanan, Cordelia Dresden, and Dana Gorman." I decided that lying would do me worse than no good; I might get one or two lies past Gabrielle and this wasn't the time to waste one. "Good enough. But if there are repercussions from tonight, I will feel far less tolerant toward you," she made sure I understood. I was happy that this looked like a painless parting of the ways. "Thank you," I spoke to her retreating form. She looked over her shoulder questioningly. "For taking me seriously," I explained. She gave a curt nod, turned, and departed. Vivian pretended to be asleep when I returned to bed and I let her. It seemed like the rare sane thing for me to do. Say 'Lesbian Bikers' at your own peril.             Mankind is poison because we compromise our souls for the companionship of others   "Vivian, I'm going to take a shower," I whispered to Vivian. I was hovering over her from the back of the sofa-sleeper, asking permission to take my shower downstairs. She was laid out beneath me, her jersey bunched up around her breasts and her left thumb hooked into the band of her shorts and pushing them dangerously down. "Umm," she sighed, a little smile tilting her lips. "Honey, I need your permission to use the downstairs shower," I continued. I wisped across her lips with my own. Her smile blossomed into full-blown pleasure. "Okay, I'm getting up, I'm getting up," she moaned. Vivian slowly opened her eyes as she stretched and twisted her body to wakefulness. "Good morning, Zane," she yawned with this adorable little grin on her face. "You look beautiful," I complimented quietly. "Umm, thank you," she purred. "You look, Zane! What are you doing?" she bolted upright, barely missing a head-on-head collision. "I'm asking you permission to go down to the fifth floor and take a shower," I repeated. "Why didn't you simply sneak past me?" she propped herself up on her elbows. "I said I would wait on your decision, so I waited. Can I please, please do something," I pleaded, "before I go nuts?" "Umm, okay," Vivian said cautiously. I reached down to her midsection and she flinched so I held back. No word passed for several seconds so I resumed my journey to her pushed up sleeping jersey and slowly pulled it down until her stomach and crotch were covered. "Zane," Vivian sighed, "could you control your hormones for thirty minutes, when you are awake?" "I have to go now," I stood up, "because covering you up didn't make you any less attractive." "Zane," Vivian came off the sofa and followed me, "you should attempt to look at a woman as a fellow follower of Christ and less in terms of beautiful and ugly and you might be happier. Go take a shower." She's telling me this with an earnest warm face and finely sculpted legs that disappear right below the crotch into that billowing Dallas Cowboys shirt. "Go on and fuck the bitch," Rio growled as she traipsed by with Mercy's hand on her shoulder. Barbie Lynn came slowly limping behind. Barbie flashed me a grin and I raced to catch up. At the bottom of the stairs something occurred to me. "Hon, where is your towel?" I asked Barbie Lynn. She shot me an apologetic smile. I stepped behind Barbie Lynn, ran a hand along her hip to the curve of her stomach and kissed her on the neck. "Take mine; I'll catch up," I chuckled. I draped my towel over her shoulder and bounded up the stairs. At the top of the stairs I stumbled to a stop. Vivian had only then finished taking off her jersey and was holding it in her left hand. The bottom of the shirt scrapped the ground. Vivian looked at me, neither shocked, ashamed, nor outraged. Her breasts were freaking gorgeous, fully round, buoyant, and with a miniscule droop. Her pale blue panties left little to the imagination, her cunt lips clearly camel toed. "I apologize," I quickly spun away and raced to my sleep area. I grabbed a towel and headed straight for the stairs. "Zane, it is okay," Vivian called out. She'd covered her breasts and diaphragm with the jersey. "Huh?" "I don't mind; I know you didn't mean to see me so I'm not offended and I don't feel you went back on your word," she related with a sense of grace. I wasn't truly sure of what word I hadn't gone back on but she appeared happy. "Does that mean you can flash me your ta-ta's guilt free?" I asked hopefully. Vivian regarded me with amusement. "Zane, constantly being distracted by unbridled sexuality will not leave you content," she lectured me patiently. We regarded each other for some time. "Is there anything else I can do for you?" "If you are going to offer, could you come over here, turn around, bend over, grab your ankles and finally look past your thigh at me?" I cringed. She shook her head, regarded me once, then rolled her eyes. "I may not be able to save you but I'm not going to shove you down to damnation either," she stated firmly. "Do it; I won't take advantage of you and I'll tell you a valuable secret," I offered. Lesbian Bikers Normally my chance of success with Vivian and that line was nil, but the convergence of a Gabrielle's midnight visit and her desire to show me that trust and honesty could exist without a sexual context brought her to me. She slowly turned around and assumed my desired position. I rabidly wanted to step up to her, gently slip her panties aside and take her cunt with deep languid strokes. "Please stand up," I groaned. Once she was up I leaned into her ear. "You are not a virgin," I whispered carefully. Vivian tensed slightly. "All it means to me is that you know what you are talking about when you mention sexuality and I have to treat you with more respect. I apologize for prying." She twisted to face me and was about to say something but I put a finger to her lips to silence her. "People are listening," I cautioned her quietly. "Thank you for that," Vivian whispered. "It was one time in high school and we had exchanged Promise Rings. It was a mistake we both regret." "It's all cool," I grinned. "I kind of wish your first time had turned you into a wild sex monkey and you and your beau planned on having five hundred kids, but we're good." "Zane," Vivian sounded exasperated, "I pity the woman you decide to marry." "What?" I acted shocked, "I would never cheat on my wife." "Oh, I believe you, but I fear the poor woman would die from exhaustion," she scolded me. "She'd die happy?" I offered up as my only defense. "Lord, give me strength," Vivian groaned. "Go take a shower." "Gotchya, Boss," I beamed happily. I turned half way to the door, then gave a backward glance. "Vivian, if you ever need anything, just ask." "I, ." she was about to scold me but she stopped and sighed. "Fine, Zane, I know you mean well; now go." I winked and raced away. I could swear Vivian believed she was getting a crash course in Mothering a Teenage Boy. Biker Bar Horror Story It had been a hard day of first-round semester testing plus restructuring the Marksmanship and Orienteering Clubs. I still managed to get in sufficient studying (in my opinion) for Friday's round of activities. At lunch I had a little talk with Cordelia and Christina about Gabrielle Black and their fears concerning her. I really wish both women hadn't looked so concerned. I would have preferred they called me paranoid instead. I was sitting watching some bizarre sitcom rerun with an arm around Iona when Rio came rocketing up the stairs. "Hey, Princess," she screamed at me (in case anyone has missed it, Rio is a freak), "Val found out about a Biker bar called the Dixie Roadhouse and we're heading there. Do you want in?" I looked down to Iona who, despite a look of fearful concern, gave me a nod of consent. "Sure thing, Rio," I said, as I popped over the sofa and pulled Iona along after me. "Zane, you are not going out to a bar," Vivian rose to the challenge. "You are only eighteen." "If I don't go, we may not get Rio back," I cautioned my guardian. "Speaking of which: Rio, where is Mercy?" Vivian rounded on my 'Bro'. "I ambushed her: hit her in the head with the Gutenberg Bible and tied her to the back of Valerie's hog," Rio smiled proudly. Pulling Iona along with me, I pursued Rio down the stairs. "I promise I'll bring them all back," I shouted to Vivian. She was kind enough not to chase me down and make me stay. The Dixie Roadhouse looked like some sort of converted barn with a few cobbled together outbuildings. Mine was probably not the first car to grace this dirt parking lot but it was definitely rare to have a ride with four wheels parked here. I had Rio and Mercy with me. Of course, Mercy had not been beaten and tied up for tonight's outing. Iona had ridden gleefully on the back of Val's bike. "This is going to be epic," Rio exulted. "That's right," I joked tragically. "We are five teenagers in school uniforms going into a place that constantly lays down new sawdust to cover up all the blood." "Hey, Sissy-Boy," Rio punched me, "this is on my Bucket List, so don't wimp out on me now." We quickly paired up, Rio with Mercy and Iona with me. Val, Valkyrie went in alone as she felt that would increase her odds of survival. She also wore her Stormriders' patch and colors. Unfortunately, the rest of her gang was two thousand miles away. "Rio," Valerie coughed as she handed Rio a switchblade. Rio snickered, flipped the blade out several times in quick succession before stealthily stashing it into her waist band. 'Thank God,' I thought, 'she actually knows how to use a knife.' The double doors leading into the bar/club were propped open so we migrated in as a group. People didn't stop and stare but they managed a passable job of telling us to 'get the hell out' with their eyes alone. Valerie led us to the bar where the lone bartender took his time getting to us. The guy was going for the chest hair with a black leather vest look along with copious amounts of facial hair. "We don't serve kids," he growled out when he stopped in front of Valkyrie. "We are not high school kids, we are not cops; we are college kids who need a damn drink, not a lecture. So are you going to give us shit or a beer, because there must be a dozen lame college dumps we can go slumming at." "Who are you?" he grumbled. "Valkyrie, Stormriders," Valerie answered. "What is your name?" he persisted. "Valerie Palmer," she shrugged. "Are you kin of Mad Dog Palmer?" he inquired. "Dude, no one calls him Mad Dog who wants to live, and he's my grandfather," she smiled. "Got it," the bartender gave a sinister grin. "What are you doing here?" "My Dad divorced my Mom and became a born again Christian," she informed the guy. "Harsh; so are these kids yours?" he asked; meaning the rest of us. "They are not members but I consider them my associates," Valkyrie allowed. The bartender shrugged and started handing out beers. Val pulled out a roll of bills and paid for our first round. Val and I took slow steady pulls on our drinks. Rio downed hers in two chugs. Mercy and Iona took tentative sips and made disgusted faces as a result. I paid for Rio's second round. "It tastes awful," Iona whispered to me. "Pretend you are drinking it then. Beer is not for everyone," I assured her, and letting her see my smile dispelled any thought that I felt less of her for being different. "Rio," Mercy tried next. "Drink it," Rio demanded. "Do it, and I'll screw you with the bottle; don't, and I'll pour it over your head and shirt." Mercy choked on her response and took a swig of beer. "You annoy the hell out of me, Mercy," Rio reacted in a warmer tone. I looked at Valerie; she looked to me and nodded. Things could be working out far worse. I noticed six biker babes playing pool off in the darkest corner. I didn't think they were a problem but two of them kept giving me the eye. I hoped my current group of women would provide me shielding. A group of ten bikers came rolling into the place, laughing, punching, and doing other masculine bonding rituals. They noted the five out-of-place newcomers at the bar but didn't seem put out until I saw these two guys in the pack and they saw me. We had a bit of history that went all the way back to a bad night for me on a bench in a communal jail cell. Perhaps I suggested that if they didn't get out of my way, I would shove their heads through the bars of the cell. I was in for two counts of assault and they were in for minor drug possession so they backed down. By the look on their faces, they remembered that night, oh, fuck. "Guys!" I cried out. I came off my stool and quickly walked up to the closer of the two. He actually took a step back into one of his buddies. "It is good to see you, Man," I kept grinning. I stepped up, put my left hand on his right elbow to propel his hand up. I clasped his palm and shook it, chest to chest. "A week ago we were all in lock-up together, I was totally wasted, and this guy and his buddy (I nodded to the second guy) saved my ass. Let me buy all of you guys the first two rounds," I offered. The guy who was clearly the dominant member gave my 'buddy' a look. He figured something wasn't right but he didn't know what it was. The two bikers in the cell hadn't talked about their facedown with some college kid since they'd backed off without a fight. "That's about right, Zane," the guy holding my hand said. "Those two guys get out of the hospital?" he continued as we walked as a group to the bar. "Yeah, I administered a warning more than a lesson," I shrugged. "I wanted them to leave my ladies alone. The point was made. The whole jail thing was the Sheriff getting me back for a fight I was in the previous weekend but no one pressed charges." That earned me some knowing chuckles. Beers were handed out; I paid for this round and the next, my heart finally calming down from the near catastrophe. "Gus, what's with the little girls?" the leader addressed the bartender. He titled his head toward Valkyrie. Her colors gave her the higher status. "The little one is with Zane and those two (Rio and Mercy) are together," Valarie answered deadpan. The big guy put his hand on Iona's shoulder while looking at me. "Mind if I take your girl for a dance," he didn't ask, he told me. "You take your hand off of her and I'll forget you touched my girl," I stated with a quiet calm coming over me. "If I don't?" he taunted me. "I don't play twenty questions," I warned him. "Seriously, dude, you want to get into a fight over a girl barely out of a training bra?" Valerie tried to make light of the situation. "She's his sister." The leader let go of Iona and stepped back. "She's your sister? Why in the hell did you bring you sister to this place?" he was curious. "Are you trying to tell me this place isn't 'family friendly'?" I grinned, finally taking a real breath. "That's a fucked-up way to look at things but yes, I guess it is," he chuckled. He reached past Iona and took his beer. Everyone around us relaxed again. "What were you going to do?" he idly asked me. "Since you had your left hand on Iona and your right was going for that steel rod you use as a sap, I was going crush your trachea then introduce your forehead to the bar," I explained. "That might have killed me," he noted. "Nothing personal, but I had nine more bodies to put down," I reminded him. "I would have given us better than even odds that we would be getting out of here," Valerie joined in. "So you really kicked Dog-Boy and Sticks off their bench?" he changed direction. Apparently, then, some in the gang did know. "They were a bit stoned and I was really pissed off," I exaggerated. "That makes sense; they are idiots," the leader grinned. A group of four more bikers with the same colors as the current crop came in. The guy we'd been talking with and five others broke off and headed to the rear of the establishment to seats around two circular tables. The four guys remaining gathered around Rio and Mercy. One guy put a hand on Mercy's shoulder. "Come on out and see my ride," he grinned at a surprisingly calm Mercy. "Hands off," Rio sneered, "I own the bitch." That caused the four men to look at each other. "Don't worry, I rent her out from time to time," Rio acted nonchalant. Two of the guys closed in, one running a hand down Mercy's shoulder and thigh while the other put a hand on each of her hips. "How much?" he growled. "We can take her into the bathroom right now." "Nope," Rio shrugged. "She's got tests at school tomorrow and I've got her busy all weekend long, but write down your number and I'll call you. Zane, pen." I tossed Rio a pen who handed it to the biggest biker. The guy looked Rio, then to her hand. "No," Rio snickered. "Mercy, off the stool and lean over the bar," she emphasized with a slap to the ass. Mercy scrambled to obey. Rio smiled at the dude then flipped Mercy's skirt up, wedged her already slender lacy underwear into her ass crack. Rio smacked a cheek. "Here you go." "Hell, ya," he laughed, as he scrawled his name and number over Mercy's proffered ass cheek. "Are you sure you are going to remember this?" "Oh, yeah; I'm going to be pounding this ass most of the night when I get her home," Rio told him. "I thought you said she had tests tomorrow," the third guy joked. "So do I, and that means I've got a lot of stress to work through," Rio grinned shark-like. "She's going to have to suck it up." That earned another round of laughs. "You really, truly annoy the hell out of me, Mercy," Rio snorted. Mercy resumed her barstool, turned to face Rio and sipped her beer once more. The warming radiance of Mercy's smile was both tragic and sweet. I stole a look toward Iona who had a wide-eyed curious look about her and ended up at Valarie, who looked relieved enough to finally put her back to the bar and look around. We were into our second beer (still Iona and Mercy's first and Rio's fourth) when our sense of ease began floundering. One of the biker chicks that had been playing pool came over to get a round of beers for her outfit. "Candy-ass whores," the woman taunted Rio as she picked up the six beers and walked away. Rio looked to me, somewhat confused and then outraged, and ended up with a glance to Valarie. "What did you say?" Rio sounded disarmingly curious to the biker chick. "You heard me," the woman scoffed. Rio was off the stool like a shot and brought her beer down on the biker chick's head. "Iona, stay close behind me," I hissed. I motioned to Mercy to get her attention. Before the woman could right herself, Rio kicked her in the thigh. As she stumbled forward, all of her beers crashed to the sawdust on the ground. Since the target of her wrath wasn't face-planting fast enough, Rio linked her fists together and hammer-slammed the chick between the shoulder blades; down she went. "I told you to repeat what you said, Bitch!" Rio screamed as she kicked the fallen woman in the ribs. At that point, three of the biker chick's closest companions descended on Rio and pulled her away. Valarie gestured to me to stay seated and I got Mercy's attention and kept her on her stool as well. "Hold her up," growled the biker girl Rio had decked. "What did you say, Bitch?" Rio snarled right back. "Lose the bull-dykes and I'll make you taste my shoe leather." "She's trying to get killed," Valarie whispered to me. Iona tensed with fear. "No, she's trying to get us all killed," I responded softly. "Let's take her outside," the first biker babe suggested as Rio struggled and kicked, attempting to free herself. "No," a different girl directed. "Let's take her to the john; I have an idea." The other women laughed and began dragging Rio away. "Zane!" Rio called out, "We are about to have a Leather Lesbian Slut orgy. Join in anytime you like." That was my cue to get my ass kicked. I moved to intervene, Val on my left between me and the worst of the crowd, Mercy to my right, and Iona taking up the rear. Sadly, a guy around my height but with a beer gut decided that I wasn't going to have an easy time of it. "No, you don't," he threatened. It was pretty clear four or five other guys were ready to jump in. Rio's cursing form disappeared behind the doors. I didn't have much time before Rio incensed the biker chicks so much they throttled her. "Do you have a gun?" I asked with as much patience as I could muster. He grinned evilly, pulled back his vest, and showed me the automatic he had stuck into his belt. I waited until his hand released the vest and moved toward his hip. I snatched the gun, flipped it around and rammed the barrel into his stomach. The only sound in the place was the four overhead fans and some Chris Rock wannabe belting it out over the stereo system. Rio's screams were becoming shriller. "I don't appreciate you pointing a gun at one of my brothers," a different man said. He was one of the group of four that had arrived earlier but I had the impression he was 'somebody'. "I'm really busy right now but I promise to deal with you when I retrieve my friend; okay?" I didn't wait for his response because I was sure it would suck. "Do you want me to feed you your gun back one bullet at a time?" I prodded the guy I had the gun on? He looked around for the moral support from his gang members. "Do it and you are dead," he countered with what I felt was false bravado. "That will hardly do you any good," I grinned as I cocked the hammer back. "Do you want your gun back?" "Ah, yes?" the biker gulped. "Are you going to let me get my girl and get her out of here?" I asked. "Ah, sure?" he seemed confused. I un-cocked the gun, flipped the handhold around and offered him his piece, grip first. No one appeared to know what to make of that. As if expecting a trick, the guy moved slowly. When he took it, I made to move past him. "You be careful now," I told him. He cocked the gun and pressed it into the side of my ribs. "Fuck you," he managed to get out before the 'click' and the point of Valkyrie's blade dug into his jugular, drawing a line of blood. "You really are too fucking stupid to live," Val seethed. "I'm Valkyrie of the Stormriders," she challenged the room. "We wage war on the Hell's Angels and the Mongols so some two-bit outfit like you Warlords doesn't bother me in the least. I'll bleed every one of you fuckers. Your bitch picked a fight with our bitch and you wouldn't man up and deal with it so now my friends will," she growled. "Zane, go get Rio." I nodded quickly and moved past the guy with the gun. "Iona with me; Mercy, you watch Valkyrie's back," I ordered. Iona clung to my back while Mercy hesitantly moved back to back with Val. She wanted to come with us and save Rio, no doubt. I raced over to the women's bathroom and flung open the door. Four sets of eyes riveted me as I came in. The other two women were busy shoving Rio headfirst into one of the toilets. The rest of us were facing knives and guns and Rio was about to get a swirlie. "Hi," I stammered. The two women holding Rio down backed out of the stall and joined the stand-off. "Zane, what fucking took you so long?" Rio panted. She staggered out and looked Iona and I over. "Where the fuck is Mercy?" Rio sounded concerned. "You stupid cow!" I snapped. "We are about to be murdered because of you, damn it." "You left Mercy out there with those animals?" Rio screeched back. She tried to push past the other biker chicks but thankfully didn't get very far. I'd have decked her myself. "Would you please give us our friend back," I requested after taking a deep breath. I was about to be told 'no' when one of the other bikers stepped into the light and I made her out clearly for the first time. "You're, I started to say. "You are Zane Braxton," she stated. "The guy who fucked your sister for an hour?" the lady closest to the lead girl asked. "Yeah," she leered. "He's the kid from the DVD she sent me and her husband, the bitch." Yes, this was the twin sister of the Sheriff's Deputy I'd had a three-way with. Didn't she work at a college club as a bartender? What a small damn world. The whole atmosphere of the room changed. Rio shrugged off the hands holding on to her but didn't bolt. "Rio, take Iona out to the others and wait for me in the parking lot," I insisted. "No, Zane. I'm not leaving you here to take Rio's beating," Iona resisted. Rio wasn't abandoning me either. I reached out and stroked Iona's hair and put my keys in her hand. "It will be okay. No one is going to kill anyone here tonight. Now I need you to go so I can settle up accounts," I grinned down at her with only a twinge of worry. Rio resolved the matter by taking Iona by the hand and dragging her out. Iona looked to be on the verge of tears. Rio's eyes told me she's suddenly sobered up and was regretting leaving me in harm's way. I looked back at the six women and the one oddity chipped away at my senses but I didn't know what to make of it. "So, how's your husband?" was the only, and rather lame, thing I could think to say. "I think he's turned State's Evidence against the Aryan Nation," she shrugged. "I thought your husband was some sort of hardened criminal," I inquired. "Ha," several of the chicks chuckled. "Zane, my husband is an accountant," she clarified with some amusement at my expense. "But, weapons charges, he was laundering money?" I pieced it together. "Good job, College boy," the 'strange' woman congratulated me. "Let's get you out of here before someone takes offense," the leader said. "Give me your number and we'll walk you out. I'm Belle, by the way." She offered her hand and I foolishly kissed it. I quickly gave up my digits, then we did a series of handshakes, French kisses and introductions. When the 'strange' woman's turn came, she introduced herself as Willa. I wanted to fucking cry because just looking at a woman will tell me a good deal about her person, a handshake even more, and a kiss is freaking El Dorado. Willa was a biker chick but she was also college educated, had a regimented training background, and was the only woman in the room who was looking for a way to not hurt Rio, very service-minded of her. "There may be a problem," I interrupted as we headed for the door. "There is this guy," I described the guy I took the gun from, "who I took his gun and threatened him with it. This other guy," I painted a portrait of the authoritative guy, "told me he was pissed with the whole gun thing." All the women stopped and looked at one another. "Zane, where is the gun?" Belle questioned me. "I gave it back to him once he agreed that I could come in here and retrieve Rio, my friend," I answered. "It is a damn miracle you aren't dead," Willa scowled. "I would have been but my other buddy, Val, put a knife to his throat. I left her with Rio's companion covering her back," I explained. "She's kind of tough." "That the one with Stormrider colors?" Belle asked. "Yeah. She's Valarie Palmer, my classmate as FFU," I told them. "Is she Damien Palmer's little girl?" Willa guessed. "She's his oldest granddaughter; is that important?" I inquired. The women seemed nervously amused by my ignorance. "He's a God-damn legend, Zane," Belle said. "Damien Palmer once took the Stormriders to a Mongol gathering in Las Vegas. Outnumbered three to one, they kicked serious ass, cleared out the place, and he ended the fight by grabbing a Mongol chapter president and some other poor Mongol bastard, jumped out a fifth-story balcony, and used their bodies to cushion his fall. I doubt prison has mellowed him much." "Your problems are a little more immediate. The guy whose gun you took is Big Ted, he's a moron. That 'other guy' is Deacon, Warlord chapter president for Northern Virginia," Willa weighed in. "Is he going to let my girls go?" I fretted. "Let's go and find out," Belle shrugged. We stepped out, Belle in the lead, followed by Willa, then me, then the rest. There were a few guys standing by the doors watching something. No one was jumping around or nursing serious wounds so I hoped the girls had exited. "Belle, the kid and I need to have a word out back," Deacon ordered confidently. "Deacon, my sister is keeping an eye on this guy," Belle suggested. "It may not be a good idea to put him in the hospital." "We can't let him push Big Ted around; it is happening," Deacon declared. "Big Ted," she looked to the guy I'd punked, "you want to kick Zane's ass out front?" Belle left Big Ted in the awkward position of taking his chances with me or looking weak in front of his gang. "I'll hand him his nuts," Big Ted growled. Deacon gave his consent and the club emptied out into the front lot. My girls were huddled around my car and Valarie's bike. Rio looked like she was going to do something stupid like run up to me but Mercy and Val held her back. I was actually relieved to see that Iona was behind the wheel of my car with the engine running. The Warlords spread out in a rough semi-circle with Deacon, Big Ted and Belle in the center. I had backed up about ten feet toward the road, facing the Warlords, when Big Ted came for me. He was about my height but around fifty pounds heavier, thus the name Big Ted. The Warlord flexed his arms and did some kind of primitive gesture meant to intimidate me. "So do we start with 'ready, set, go' or what?" I questioned. That brought a round of laughter from the motorcycle gang and Big Ted looked over his shoulder to share in their mirth. My first kick caught him in the nuts, the second one caught him in the chest and knocked him down, and the third saw me stomping on his nut sack once again. I swept around him and kicked him in the head hard enough, he rolled over twice in the dust. Ted was seriously unconscious. For ten seconds no one said a word. Any hope I had of getting away with my underhanded win began to fade when Deacon came forward. "You come to my roadhouse, beat up one of my people, and expect to get away with it?" he grumbled. "Deacon, I am so very sorry this happened. My friends and I only wanted to come by, have a few beers, and let my buddy Val soak in the kind of establishment she was used to going to, namely a biker bar," I said carefully. "Things were said, my best bud went a little nuts, and the shit got out of hand. How can I make it up to you?" "What the fuck can you do for me?" Deacon sneered. "Five thousand dollars?" I threw out there. He studied me. "You have that kind of money?" he questioned me. "Absolutely; I can have you the money tomorrow at six p.m." I promised. "Don't fuck up," he stated with menace, "or I will hunt you and your friends down. Got it?" "Understood," I pledged. Deacon snorted in disdain and headed back inside. The rest of the Warlords were heading inside with a few dragging Ted in and I finally let my focus expand beyond my immediate environs. The car pulling up was still unexpected. I knew the shape of the person who stepped out of the Sheriff's cruiser. "Zane," Sheriff's Deputy Tara Cavanaugh greeted me happily. "Belle," she said to her sister with far less warmth. "Zane, what brings you here?" "A schoolmate of mine is a motorcyclist; she wanted to see what a biker bar was like so we ended up here." "We couldn't get in because we are only eighteen but another friend of mine got sick and had to go to the bathroom. Belle was good enough to get her out," I lied. "Zane, you have sawdust on your shoes," Tara pointed out. "I had to go part of the way in to get my friend," I grinned feebly. "Zane, are you lying to me?" Tara frowned. "Yes," I admitted. "The truth is only going to cause a whole lot of trouble, though." "Wow, morally flexible where the law is concerned," Belle licked her lips. "Of course we already knew he was all kinds of flexible, didn't we?" "Usually the point where I start being talked about like a piece of meat is my cue to leave," I stated crossly. "Deputy Cavanaugh, may I leave now?" "Beat it, Zane," Tara told me. "Thanks, Deputy; take care, Belle. It was nice to meet you and thanks for all your help," I thanked her before rejoining my companions. Valarie drove alone in the lead. The rest of us followed in my car, sans conversation. Sorting Through One Helluva Mess We kept our silence until we stepped out of the elevator on the fifth floor. Valarie grabbed Rio ferociously, slammed her into the wall with one hand holding Rio's right bicep while her forearm was pressed so it choked Rio's throat. "You stupid, crazy bitch!" Valarie howled. "You could have gotten us all killed!" I looped an arm around Mercy's waist before she could go charging to Rio's rescue, and have Valarie beat her up. "Hang on, Mercy; I'll work this out," I whispered. She nodded but her concern was burning through. It was heart-warming to see Iona put an arm through Mercy's in what would be a futile gesture to keep Mercy still if things went bad. "Get your hands off me, Cum-dumpster," Rio snarled, followed by some choking noises as Valerie applied pressure to her windpipe. Next Rio tried to kick Valerie but the bigger woman deflected it with her thigh. It was time for me to step up. "I've got this, Valerie," I told her calmly. Valerie stepped back because she figured her next option was to beat Rio black and blue. I moved into Valerie's place but put my hands to either side of Rio's shoulders. "Rio, this is done; let's put it aside and go to bed early if you want, but I want to ask you one thing if you'll let me," I asked softly. "Fuck off, Zane," Rio rumbled, "I'm not in the mood for one of your mind games." "Okay," I shrugged. "To the Bitter End," I nodded. "To the Bitter End," she muttered back, her eyes drooping to the ground. "We are done," I told the rest of the crowd. Valerie snorted angrily and I figured she'd either bitch me out or never speak to me again. Rio grabbed me before I got away. "I, damn it, Zane, I screwed up again," she choked back a sob. "I'm fine, Rio. I signed on for the crazy so I have no one to blame but myself," I reassured her. "What did you want to ask me?" she sighed as she put her cheek on my chest. "Bro, I can't keep charging in to save you and keep Iona safe at the same time. What am I going to do?" I inquired. "Sorry, Man. I fucked up big time," she moaned. "I don't know why it happened." "That doesn't matter, Rio. Let's call it a night," I said serenely. We started to break up and I could see Valerie still glaring hate at me and Rio. "Rio, do me a favor?" "What?" Rio sounded dejected. "What was the second and, third thing you asked me in the bathroom?" I inquired. Rio snapped her face up toward me, angry and upset. "Don't," she insisted. "I have a near-eidetic memory so if you don't remember, I do," Iona chimed in. "Shut up, you two," Rio snarled. "Rio, I have had it with you. Jump and I'll kick in your teeth," Val seethed in response. Mercy looked ready to jump in too. "You said 'Where is, I began. "Don't, damn it," Rio growled, but she could see I wasn't going to relent. "Fine," she groaned in defeat. "I asked where Mercy was, then I bitched you out for leaving her with those 'animals'. Happy now?" "Pretty much, yeah," I tried not to sound pleased with myself. What I did accomplish was put a glimmer of understanding in Valerie's mind. A few seconds later Mercy clued in too. "Oh, Rio," Mercy teared up, "you didn't have to worry." "I swear, if you cry I'm going to shove so many ice cubes up your cunt, your eyes will shimmer like a snow globe," Rio swore to Mercy. "Rio," Valerie sighed with exasperation, "Learn how to fight, and more importantly, learn when not to fight." In the pack dynamic, going off and picking your own fight was nuts; fighting for someone in your group was totally different. By the uncomplicated code that nomads lived by, you stuck up for your own, and that made all the difference to Valerie. Rio was still crazy and could have gotten us all killed, but she'd done it for another member of the group; in this, case, Mercy. That demanded a reprimand, not expulsion. "How about we go up to Zane's and have some ice-cream?" Iona suggested. "We have ice-cream?" Rio perked up. "When did this happen?" "Rio," Iona sighed wearily, "we put them in on the first day. They are two 1950's style ice-cream freezers, one opposite the close showers and the other down by the far kitchenette." "Mercy," Rio grinned fiercely, "Bring several wash cloths to bed tonight. I'm going to cover your nipples with mint chocolate chip and lick it off." I wondered if Mercy could actually orgasm to death, she certainly looked ready to. "I thought you were going to, Mercy turned to Rio and patted her own behind. "Pound-cake, what makes you think you are getting any sleep tonight?" Rio chastised Mercy, then spanked her ass. "Rio, are you bi-polar?" Val ground out. "One second you are weeping on Zane's shoulder and the next you are engaging in kinky foreplay with your girlfriend." "She's not my girlfriend, she's my toy," Rio corrected. "Also, this shit ain't over. I know Zane jumped on a grenade meant for me but I can't do anything about it right now. I know I put us all in danger, again, nothing I can do about it at the moment. I do know that when I find that bitch Belle or any of her girl-pals, I'm going upside their heads with a pool cue, though." "Gosh," mused Iona, "I should figure out what I want on my tombstone." "Mine is going to read 'didn't kill Rio Talon soon enough'," griped Valerie. "Hardy-har-har," grumped Rio. "You are acting like they'll ever find our bodies." "You annoy me," Mercy whispered to Rio before licking her ear. "Careful, you," Rio smirked. "Ice cubes-cunt snow globe." I was thankful when I got to the door lock, entered my code, and held the door for them to head up. I tagged Valerie at the top of the stairs. She looked at me with annoyance but softened to curiosity when she saw my concern. "Zane," Vivian called out before I got anywhere. "We need to talk." That was depressing. "Val, I need to ask you something important. Can you please wait?" I asked the biker babe. "Sure," she promised before heading to get a drink. I walked with Vivian into my bedroom area. At the foot of the bed was laid out a skirt, shirt, bra, panties and socks. The shoes were on the floor. The owner was no mystery. Reclining on the pillows was Paige. She was clothed, sort of. She was decked out all in brilliant red: stockings, garter belt, silky panties, and a gauze-like bra that highlighted her pale breasts perfectly. Her flesh radiated like freshly fallen snow and her hair flowed forth from my pillow like a glacier crafted by spiders into a delicate web. "Hey," I sighed hungrily. "Hey," Paige responded in a rich sultry voice. "Paige!" Vivian snapped. "How did you get past me?" "I'm a ghost-panthress stalking my prey," Paige leered. "With the way Zane's heart is pounding, I'm doing a good job of it too." "Get up, put on a robe, and leave the room now," Vivian insisted. "Oh," groaned Paige as she rolled over and shook her delicious shaped bottom at me, "I'm so tired. I need someone's help in getting out of bed." Yes, I wanted to go to the bed right then, but it had nothing to do with helping Paige actually get out of that bed or that position. "I'll take care of her," I told Vivian. I walked to a wardrobe across the room, opened it up, and took a look around inside. Vivian walked behind me and gasped. "What are you doing with all these robes, all these women's robes, Zane?" Vivian muttered. "I got them predicated on the notion that I would have women up here. I thought it would be considerate of me to give them a choice of what to wear," I indicated my selection. "How did you smuggle them all in here?" Vivian wondered. "We have mail service, Vivian. I ordered them online." She seemed confused. The university didn't block clothing sites from their computer network. I pulled out a short red one with a white and black tiger circling on the back and showed it to Paige. "Oh, cool, I'll look like a Bangkok whore," Paige sounded conflicted. "Actually, this one is from China so that would make you a White Russian Shanghai hooker," I corrected. "Oh, I like that," Paige purred as she crawled over to my side of the bed on all fours. &qu

Aygun Badalova narrates her blog written for Dementia Researcher. In this moving reflection, Aygun Badalova shares her experience working inside a dementia clinical trial at UCL. She explores the human side of research, where every test and data point represents real people, families, and moments of connection. From the challenges of recruitment and paperwork to the deeply emotional encounters with participants and their loved ones, Aygun shows that dementia research is about dignity, relationships, and hope as much as science. Find the original text, and narration here on our website. https://communities.dementiaresearcher.nihr.ac.uk/c/research-chat/life-inside-a-dementia-clinical-trial-b45aab0f-0377-4963-aaaa-32fd05ed0579 -- Aygun Badalova is a PhD student at the Institute of Neurology, University College London, funded by NIHR. Her research focuses on developing Digital Interventions in Neuro-Rehabilitation (DINR) for Alzheimer's disease and dementia, including work on the Gotcha! name retrieval therapy app to help people with dementia remember familiar names. Alongside her research, Aygun is involved in clinical work at the National Hospital for Neurology and Neurosurgery. She's driven by curiosity about why some people forget while others don't, and outside the lab she enjoys meditation and travelling to Greece. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support. -- Follow us on Social Media: https://www.instagram.com/dementia_researcher/ https://www.facebook.com/Dementia.Researcher/ https://x.com/demrescommunity https://bsky.app/profile/dementiaresearcher.bsky.social https://www.linkedin.com/company/dementia-researcher Join our community: https://onelink.to/dementiaresearcher

Christian College Sex Comedy: Part 13 Exiled In 30 parts, By FinalStand. Listen to the podcast at Explicit Novels.             You can live without freedom the same way you can live without light, happiness, or music       Chastity, Hope, and I were exiled to our rooms for the rest of the day, and I pretty much spent it in isolation. Cordelia had disabled my own private internet hookup in case my domicile was ransacked so I was left with school work to go over. At 12:30 they brought me lunch and at 6:30 a student brought me dinner. As I was eating, there was another knock on my door. This time there was a girl I didn't recognize from the dorm. "Yes?" "Hi, I'm Alice Hendricks, and I'm your new Dorm Mother," this bright-eyed brunette with pigtails and a gymnast's body greeted me. "Good for you," I replied then started to shut the door. "Wait," she said hurriedly. "The code you gave Barbie Lynn Masters doesn't work." I sighed. "Do you see that green pad beside the keypad?" I indicated the object. "Yes," she nodded. "It is the thumb pad scanner. You enter your code and scan your thumb," I told her. She entered the code and scanned her thumb, and nothing happened. "It doesn't work," she noted. I rolled my eyes. "Let's think about this," I groaned. "You used Barbie Lynn's code and scanned your thumb." I watched as the wheels turned behind her eyes. "Oh, my thumb doesn't match the code, how is this going to work now?" she questioned. "I need to access your room." "Fine," I shrugged. I pushed her aside, covered the keypad with my body, and entered the proper code to generate a new number. "4-7-4-4 is your number. Punch it in and scan your thumb and you're set." "Good night," I told her, and headed back upstairs. "Wait. I need to check out your room," she informed me. I grunted, turned, and faced her. "Do you have a phone?" I asked. Alice nodded. "Can I see it?" She hesitated but handed it over. "You are one of the Enemy," I stated. "What do you mean?" Alice asked. I handed her phone back. "The majority of the girls in this dorm don't have phones anymore because of the Chancellor. You only have one because you are in with the Chancellor and you are pretty much going to be hated for it. Don't get caught alone in the showers, you scumbag," I warned her. "That's not fair," she declared. "Oh, we are past being fair, Alice. Now come upstairs and get your tour over with," I shrugged. Once we got there, Alice stumbled and gasped. "How am I going to search through all of this?" she wondered. "That's not my problem," I told her. "I will be in my bedroom." I went in that direction and I noted she was following me. I flopped down on my bed and listened to her low whistle. "This is your room? How did you get all this, stuff?" she inquired. "I bought all of this for the freshman class to use so we could be safe from the Handmaiden's Duty from time to time," I answered. The door opened and a double set of footsteps came running up the stairs. Rio and Iona came bolting into my room, stopping short when they saw Alice. "Hi, I'm Alice, your new Dorm Mother," she stated crisply. "What are you doing in Zane's room?" "Oh, the fuck you say?" snapped Rio. "Where the hell is Barbie Lynn?" "That is quite enough of that, Ms. Talon," Alice demanded. "Can you please give us some space?" I requested. "No, I don't think that would be wise," Alice countered. "Fine, whatever," I shrugged. "What's the news, girls?" "They sent 40 of our people to the infirmary," Rio said while glaring at Alice. "They preferred to shove us down stairs. Barbie Lynn hurt her knee and Pandora Jaspers bust her scalp open." "Alice, you are going to go out and sit on the sofa now," I told her. "No, I am not," she responded. "This is your last chance to keep things civil, Alice," I cautioned her. "You seem to have forgotten why I am here," Alice replied. "I haven't forgotten, Alice, but you clearly don't understand the cost of that decision," I said. "What is that supposed to mean?" she shot back. "Ladies, I'll see you tomorrow, but we clearly aren't going to be given any common courtesy tonight," I told my ladies. Rio came up, kissed me hungrily, and then glared at Alice. "Cordelia needs to see you at the corner of the Clegger Building at 12:15," Iona whispered in my ear as she hugged me. I gave her a wink as we parted. The girls left and I had to put up with Alice for an hour as she tried to make conversation and I did my best to ignore her. "Zane," Dana Gorman called out as I reclined on a sofa and Alice skulked around. "Over here," I motioned. "You have been temporarily reinstated by the Review Board," she informed me. "Don't waste this opportunity." It was 8:00 o'clock at night so I had to wonder what discussions had taken place. "Am I supposed to be grateful?" I scoffed. "I didn't hear an apology for treating us students so shabbily, nor Heaven being re-admitted. All you did is give us something today that you plan to take away tomorrow." "Don't be an idiot," Dana snapped. "You aren't in a position to make demands." "Well, it was nice to see you, Dana," I shrugged. "I am sorry about this morning. You were very impressive, by the way." Dana shook her head in disgust and left. "You shouldn't have been mean to Coach Gorman," Alice scolded me. I shrugged. Alice tried to be nice, insisting she wasn't in the way, but ended up staying with me until my last bathroom break. I pretty much hated her. Retribution, Removals, and Recouping strength. The post-midnight meeting with Cordelia and a rag-tag group of students was probably the most insane stunt I'd pulled for some time. I thought Cordelia was nuts but my opinion was not solicited. I was wanted for my upper body strength and long reach. See, one of the Administration's greatest tools was the school's surveillance network. As Cordelia saw it, there was one point of weakness for the system and that was in the heart of the Security Center, the system servers that coordinated all the incoming data and video feeds. We weren't going to sabotage it; that would be simple. No, we were going to steal it, and that's exactly what we did. I had to admit that was the last thing Gorman would have suspected us of trying to pull off and the best part of it was that all the surveillance devices were rendered impotent because we stole the objects that held the information of our misdeeds. We stole out the back gate of the campus and buried the equipment out in the woods. Lightning Strike I knew there would be hell to pay and I couldn't contact my normal shower-mates so I went to the shower early and was back in bed by the time Dana Gorman stomped into my room. "You weren't in the shower," she growled, "but several other students were." "Why are you angry for me not being in the shower with the girls?" I yawned. "Because it would give me leverage to make you give me back my security system, you Jackass," she snapped. "And you blame me, why?" I slipped out of the covers, naked, and started to get dressed. Dana didn't seem to mind looking me over. "This is no longer a game," Dana pointed out. "You've stolen thousands of dollars of University property. If I can't find things and quickly, I am going to have to bring in the Sheriff's Department and that equals criminal charges." "Should I take it you've made no progress in the assault on the students yesterday, or is their support for Christina good enough reason for you to let them suffer?" I continued. "You are being an idiot again," Gorman accused me. "We can deal with that once you and the others stop treating this like some social experiment and get back to your studies." "I think this is the point where we cease having anything to discuss, Coach," I muttered. Gorman looked down at the ground and clenched her fists in frustration. "A third of the Soccer team walked off yesterday. I lost half the Karate club as well," she ground out. "Archery disbanded, and it looks like Orienteering and Marksmanship will do the same today. I'm telling you, this is nuts. I've worked my ass off making this school athletically competitive and everyone is throwing that away." "I don't know what to tell you except that I doubt any of this would have happened if someone hadn't been gunning for Rio on our first day," I said. "I certainly made mistakes but you made the first one. I do have one thing I want you to think about." "What is it?" she asked warily. "How do you like your war now?" I stated with intensity. She didn't laugh it off this time. "You think this is going to keep going?" she questioned. "You have our backs against the wall; you are beating and expelling us," I explained. "We don't have many options." "I won't let you win," she said evenly. "I'm afraid it is out of our hands, Dana," I warned her. I didn't know for sure things were going to spiral out of control but I couldn't see any way out of it. Dana shook her head and left. Around 6:45 Alice came to escort me to breakfast. She talked; I remained quiet until I picked up Rio, Valerie, and Iona. We were crossing campus to the Dining Hall when Valerie nudged me. I looked in the same direction she was and saw Hope walking across the lawn on a definite mission. It didn't take me a second to see where she was heading; Rhaine and two of her associates were in huddled conversation. Rhaine never saw what hit her. Hope did a spin kick to her head and sent her flying. She punched the other two, followed up with a heel kick to one and two blows to the head to the last one. Hope then swooped down, snatched up their phones, and rapidly walked away. The first attack hadn't lasted ten seconds. "This is your last chance to get out of this," I whispered to Valerie. "I'm sorry, Mother," Valerie sighed. I didn't have time to know what that meant because I figured the open nature of Hope's attack was Christina's way of telling the rest of us it was time to strike back for what Rhaine's people had done to our side yesterday. I turned and clocked Alice hard enough to knock her down. "Rio, get her phone," I hissed to my friend. Rio was surprised for a second, then jumped on Alice's body. People around us began murmuring but most were in shock. I didn't wait around because I had spotted a group of five of Rhaine's people a few feet ahead. The ripples of Hope's attack started to reach them when I kicked the first one in the back. Valerie was right at my side, flipping a second girl over before she had a chance. I saw Iona grabbing up their phones even as we fought on. The remaining three were able to turn and face us but it didn't do them any good. We steamrolled over them, punching and kicking them into the ground. The first girl near us began to scream as I closed on the next group. This turned out to be Joy and Mercy. Valerie was about to pummel them but I held her back. "Joy, Mercy, sit on the ground and give us your phones," I growled. They hesitated and tried to back up. "Mercy, do it," Rio hissed. "I don't want to see you get hurt." That did it for Mercy, and she took to her seat and handed her phone to Rio. Rio showing compassion toward Mercy was unlooked for and something we'd have to talk about when this bout of madness ended. Joy went down beside Mercy, allowing Valerie and I to move on. By the time we closed on the fourth group, the general student body had figured out something bad was happening and parted like the Red Sea as we approached our quarry. The three girls we approached knew we were coming. I could read their disbelief in their eyes; they couldn't imagine that the attacks they'd perpetrated on our people were coming back to haunt them. One got a blow into my stomach before we finished them off, giving their downed forms a few extra kicks before heading for our last targets. There were four of them, with the added complications of a history teacher named Mrs. Cunningham who was a matronly, sixty-something-year-old instructor. They were standing at the four doors that entered into the Dining Hall and if I had been them, I would have run, but I guessed that the teacher standing so close made them assume we'd hold back; we didn't. The first girl stepped up to say something to me when I split her lip and sent her stumbling back. I kicked the one farthest away while Valerie punched another one in the throat. I chased the second girl down and while she was bent over, I pounded her in the cheek and planted her in the ground. I spun back and kicked the first girl in the face, flipping her over, and witnessed Valerie run the fourth girl into a door and knock her out. Mrs. Cunningham finally recovered enough to grab my arm. "What are you doing?" she muttered weakly. "Yesterday, these girls thought it would be fun to kick some of their fellow students down some stairs, landing them to the infirmary," I responded. "Today they reaped what they sowed." I had no idea if any of the girls I'd attacked had actually beaten up any of Christina's people, but that wasn't the point. The Administration had let Rhaine's girls know that they wanted Christina's people intimidated and suppressed. Not being schooled in the application of force, things had escalated when Christina's people had not backed down. The Chancellor had let them think they were entitled and we'd just shown them they were not; they were going to be held accountable for what they did. Mrs. Cunningham released me and bent over the first moaning girl. Iona came up with a handful of phones. "What do we do with these?" she asked. "Give them to me," chuckled Rio. She took the phones, took out the memory cards, and chucked the phones up on the roof. In the end, Christina only used twenty of us to send eighty of Rhaine's people to the infirmary, and we accomplished it all in under five minutes. We brazenly arrived at breakfast, most of us making for the food line but Rio sprinting for the bathrooms to flush the evidence. Up with the teachers, things were in utter chaos. Gorman's walky-talky didn't seem to be working (thank you, Cordelia) so she grabbed the closest student and wrote them a message. She handed it to the girl (a freshman) who promptly read it, then ate it right in front of the coach. Coach sat that girl down, grabbed a second girl. This one took the message and ran straight to the bathroom and flushed it. Around Chancellor Bazz a storm was boiling over. Several teachers had witnessed the violence and wanted something done about it before one of them was drug into the matter by means of a physical confrontation. They were demanding the attacking students to be rounded up immediately. Several teachers, led by Doctor Larson, were begging, pleading, and demanding that the Chancellor call it quits with this whole suppression scheme. Bazz refused to budge, ordering Gorman to round everyone up and hold them in the parking lot. Gorman was trapped. "That's insane," Dana snapped. "What am I going to round them up with, students? We've seen how well that's worked. I don't have enough security guards to peacefully bring them in and my only alternative is to bring in the Sheriff's Department and use force, and I'm not going to do that." "You will if I tell you to," the Chancellor threatened. Dana threw her hands up in the air and backed away. She paced for about a minute, long enough for us to get our food and take our seats, which were all in one section of the Dining Hall due to some 'screw up' (read: Cordelia) in their seating assignment. There appeared to be around three hundred of us now and morale was high. I caught sight of Gorman angling toward Christina and starting to talk. Christina signaled for her to stop but only long enough to summon three people to her, one being me. Temperance, the senior, was one of them, and the third was a girl I'd only known by her photograph. She was Hannah Cartwright, the Sophomore Class President. "I'm asking for a cease-fire," Dana reiterated. "The fighting ends on both sides, strict discipline will be enforced for any and all infractions, and there will be no administrative actions for what has happened over the past forty-eight hours." "We want our phones, tablets, and laptops back, plus the ability to use them," Temperance stated. "All expulsions are to be cancelled and the procedure to bring Heaven back is to begin immediately," I continued. Dana nodded to both addendums. "I want my security system back," Dana countered. "We will start looking for it as soon as this deal goes through," Christina agreed. "That is the best I can hope for," Dana sighed. She stuck out her hand to Christina, who stood and shook it. "Deal?" Christina looked around to get our consensus. "Deal," Christina echoed. I wanted to sit back and savor our partial victory but Christina was tense and nervous and that infected us all. When Dana got back to the Chancellor, she made her case. Doctor Bazz glared at her for a moment but the words that followed, while spoken in a low voice, reverberated throughout the hall. "That's idiotic; we will not negotiate with these children. Your incompetence has led us to this point, Ms. Gorman; you are fired." Several teachers immediately protested but Dana simply put down her walky-talky, turned, and strolled out of the room. Doctor Bazz cancelled classes for the day and confined everyone to their dorm rooms and dorm floors until the situation was resolved. Christina told us to ignore the travel restrictions but to keep in groups and avoid confronting security. When we were ordered from the hall, I noticed everyone was traveling in groups now, even the teachers. Things had become totally crazy. As Valerie, Rio, Iona and I returned to our dorm, we ran across Alice coming back from the nurse's office. When she saw us, she looked hurt and a bit afraid, but she showed enough courage to confront me. "Why did you hit me?" she demanded. "I did nothing to deserve that." "Alice, you were sent to spy on me, or did you search every dorm room as thoroughly as you searched mine?" I shot back. "I was told to do that when I accepted the position of Dorm Mother," she replied. "Did it occur to you that I might resent being singled out for persecution and, if given a chance, I'd strike back?" I explained. "If not, it should have, especially after yesterday." "I had nothing to do with what happened to those other girls," she shook her head. "Listen, you stupid cunt," Rio snapped. "You got orders from the same person who sent those girls to hurt our friends." "When you chose to take Barbie Lynn's place, you placed yourself side by side with those mean girls, Alice," Iona added. "You chose to be a soldier in their army. Soldiers get shot, even if they don't get involved in shooting at the enemy themselves." "It is time for you to go," Valerie told Alice. Alice stayed in the hallway as the rest of us walked away. By the time we made it to my door, Pandora, Paige, Brandi, and Opal had joined us. "Cordelia wants your hook-up activated once more," Pandora informed me. She had a bruised right eye and a bandage above the eyebrow. "She figures any minute now, the Chancellor will shut down our regular internet lines." "Sure thing," I agreed. "I'll get the hot oil and work Valerie over after that tough fight she was in," Rio volunteered. "Boundaries," Valerie cautioned my buddy. "Besides, if anyone works over this body, it will be Zane." Rio chortled and I gave the tall biker-chick a skeptical look. "Just kidding," she laughed, "though we both could probably use some stress relief." That train of thought was interrupted by a fresh group of freshmen entering the area. I went over to one of the glass panels that gave me a view over the campus. Small groups of students were violating the curfew, and here and there a lone campus security guard gave chase but it was an uneven struggle. Students could run inside a dorm and vanish, and Campus Security didn't have the resources to search every dorm room. The pair that came up the stairs thirty minutes later was a real stunner. It was Barbie Lynn with her knee wrapped up, being supported by, Dana Gorman. Dana also had a backpack that clinked very time she moved. "Look what I found sneaking across campus," Gorman snorted. No one said anything; she was the Evil Henchman, after all. "Thanks, Dana," I said, as I took Barbie off her hands, "take a seat and relax for a while. What brings you to my room, anyway?" Barbie looked terribly concerned by this turn of events. "My cable is dead, no internet or TV, and I don't have access to the few remaining security systems, so I figured if anyone had access to the outside world, it would be you," Dana related. "What do you need?" I continued. "I'd like to watch some international soccer," she told me. I looked toward Paige, who shrugged, then nodded. Dana took a spot on the closest sofa to a TV and sat down. She unzipped her backpack and pulled out a beer. Rio homed in on that and jumped over the sofa beside Dana. "What do you think you are doing?" Dana asked Rio as my friend put her hand into the satchel. "Getting a beer; I figure we are all rebels here," Rio smirked. "No, you are a rebel; I'm unemployed, and I don't want to add a criminal conviction for giving alcohol to a minor to my list of accomplishments," Dana explained. "Come with me," Valerie commanded, as she scooped up Rio's arm and headed away. "Let's play some pool." "Oh!" Rio bubbled, "Are you going to use your big hard stick on me?" "Yes; it is called caning," Valerie retorted. Barbie Lynn, Iona, & Zane Iona was looking lost with everyone seemingly going in different directions, so I took her by the hand and, with Barbie Lynn, retired to my bedroom. "I love you two," I sighed as the stress slowly started to recede. Barbie Lynn pulled close to my side and when I looked at her, we kissed. Iona pressed into my front and rested her head on my chest. Our lips parted and I looked to Iona, who was giving me a wide-eyed smile. We kissed for some time until Barbie Lynn began massaging my rod through my pants. I returned to Barbie until Iona hugged me tight, resulting in me going back and forth for a while. "Let's go to bed," Iona suddenly spoke up. Barbie Lynn chuckled at the smaller girl's assertiveness while I marveled at how far she'd come from the scared girl who had grabbed my arm only a few weeks earlier. I sat Barbie Lynn down on the edge of the bed and worked off her skirt first. I stopped Iona from doing the same, preferring to undress her next. I alternated taking off items of clothing until they were finally naked on the bed, side by side before me. "Well, Zane," Barbie Lynn began, sliding one leg up until the heel was touching her thigh. "What are you waiting for," Iona finished, mimicking Barbie's movements. "I would like to express right now how much I've missed the both of you," I swore to them. "Less talk; more action," Barbie Lynn instructed. I began stripping as fast as I could and the girls crawled underneath the covers. Iona was on her back, propped up on her elbows as I finished shedding my clothes. Barbie Lynn surprised her by rolling onto her side and taking a nipple into her mouth, causing Iona to give a startled squeak. Iona had not expected to be the center of our attention, that was normally Barbie Lynn's role, so she couldn't mount an effective defense against our combined affections. We each feasted on a nipple, taking the occasional stop to kiss Iona deeply, or one another, with Iona's breasts rubbing against our cheeks. Both our hands made our way to Iona's honey box, pulled her reluctant legs apart, and began rubbing all over her pubic area. We pushed fingers almost a knuckle deep into her super-tight virgin cunt. Barbie and I spread her juices around, making the whole pubic mound slick and fluid. We even put our fingers on opposite sides of her clit and rolled them back and forth, sending her over the edge. "Jesus," she panted. "Oh, thank you, thank you, oh, thank you," she gasped. "This feels so good, Yes!" she cried out. At this point, I was thinking about letting Iona go but Barbie Lynn kept flicking her clit and probing her cunt while sucking in and twirling her breast. I added a finger to the mix and kissed Iona, who desperately tried to suck my tongue out of my mouth, ouch! At the same time, Iona's back arched off the bed again and again, her thighs trembled, and she clutched at the headboard so hard it shook. At the point I feared Iona's heart would explode, I pushed Barbie Lynn's hand away and she looked up with her lips slick with the saliva generated by sucking on Iona's tits. "She is the best friend I've made all year," Barbie Lynn confided in me. "Better than me?" I questioned. "Honey," she drawled, "I think we can agree you're a tad more than a friend." "What am I, then," I teased; "pen pal, cyber-fan, bosom buddy?" "I think bosom buddy, she grinned as she squeezed her magnificent orbs together, ", is closer to what I'm aiming for." "My cunt is still quivering," Iona mumbled in a tiny voice. "Did I lose my virginity?" "No, Baby," Barbie Lynn cooed to her, "You had a really good one is all. That is what an orgasm is supposed to feel like. That is what Zane does to me every time." Huh? I do? "Oh," Iona sighed dreamily, "I like that. Isn't it your turn now?" "It certainly is, and Zane knows what I want, don't you," she winked. "I'll get it," I feigned annoyance, "but I'm still going to take my time with you. I'm not rushing into anything." "I like the way you think," Barbie Lynn purred. She laid out on the bed, her beautiful breasts spreading out and her hair cascading over the pillows she rested on. It hurt to move away from the sight of her. I got a small tube of lube, crawled over to her, and wedged the tube to the small of her back. Letting her body warm it up would make the sensation more pleasurable. "Whoa, that's cold," she gasped and wiggled. "Let me warm you up, then," I grinned. I moved underneath the sheets and then between her legs. "Hello," she said demurely, my body poised over hers, our faces nose to nose. She rested her elbows on my shoulders with her arms up. "This feels good, Zane, feels right." Her thighs pressed against mine and my cock rested on her pubic mound. I moved my face down and stole a quick kiss. Barbie followed suit and soon we were lip-locked. In time we were trading kisses on the neck and earlobes, our heads playfully moving back and forth. When I reached the top of her breastbone, Barbie Lynn flinched; she'd tried to loop her bum knee over my leg and the pain had been a sharp reminder of her limitations. I lowered myself and took a nipple into my lips and tickled it with my tongue. "Does that make it feel better?" I teased her. "Uh-huh," she purred, "now get back to it." I hardly felt inclined to deny her request and began alternating each nipple and breast. I let my lips and tongue go over every inch of her breast, especially along the base where a slight taste of sweat mixed with the scent of her body soap. "Zane, I want you in me," she pleaded with sultry passion. "But I want this," I responded, running my hand along her puffy cunt lips. "I promise we can do that later, you know how much I love your tongue, but I'm missing something else even more," she expressed her desire. I thought about the body dynamics of the situation and decided the best solution was to roll Barbie Lynn's hips on their side, lifting her left, uninjured leg to my shoulder. Retrieving the warm lube, I rubbed some liberally over her ass hole and two of my fingers, pushing the middle finger gently in first. Barbie Lynn flexed her body and moaned as the finger pressed into her. Soon she was rocking her hips and pushing down on my hand. "That still looks painful," Iona whispered as she moved in for a closer look. "The pleasure far exceeds the pain, Shugah." Barbie Lynn expressed what was about to come. I leaned/crawled over her hips, one hand still working Barbie's tits over while I kissed a nipple and tugged on it with my teeth. Barbie was letting her arm roam around when Iona intercepted it and put the blonde's fingertips to her mouth. Unbidden, Iona began sucking on those fingers and I could see that Barbie was torn between the eroticism of the act and the fact it was innocent little Iona who was doing it. Barbie Lynn used her free hand to push her succulent boob deeper into my mouth, not that there was any way I could get it all into my mouth. Iona went from finger to finger, spending extra time on the thumb. Barbie's chest began heaving from the excitement and took a jolt when I sunk my second finger into her rectum. "Are you okay?" Iona worried. "Yes, yes, yes," Barbie Lynn exulted happily, "and it's going to get better real soon." I decided to move two fingers along her sopping wet slit and let my thumb depress her clit and rub it around. "Aha, ah, oh, yeah," she panted as my hands began working in tandem. I could tell Barbie Lynn was fighting a losing battle against her orgasm and I wasn't in a mood to make things easy. I rammed my two fingers deep into her ass while biting her nipple and strumming her clit as fast as I could. "Lord Jesus loves Me!!!!" she went off. "Gah! Yeah, yeah, oh, ugh, baby, Yes!" Barbie Lynn went on and on with increasing volume. Her cunt dripped all over my fingers, slick and sensual to my touch. I brought those fingers to my lips, going back for a second taste while her body still shook from her climax. "Don't mind us," Rio announced as she strolled into my room, pulling a reluctant Mercy behind her. "My bitch is here and I'm going to bite a chunk off." "Hi, Mercy," Iona waved. Mercy shot her an embarrassed smile. Rio led her to the far side of the bed. I was a bit concerned that too many people were coming into my room but I couldn't look everywhere and pay attention to Barbie Lynn and Iona too. I took up the lube and coated my cock. Before I could spread it out evenly, Iona reached down and did the job for me, even sharing a shy smile with me as she did so. She even helped me lodge it against Barbie Lynn's anus. Iona felt the tension along my cock until Barbie's sphincter gave way and let me in, then she moved her hand away. "Wow," she whispered, even as Barbie Lynn sighed in satisfaction. As a counterpoint, we heard "On your knees, Slut-Bunny," Rio barked to Mercy. She pushed Mercy forward face-first on the bed, flipped up her skirt, and took a bite out of her ass. Mercy yelped and buried her face in the sheets. Sometimes Rio could be sane, but totally nuts was her default setting. I measured the tremors in her body as I gently pressed my body onto Barbie Lynn's hips, deepening the penetration of my cock into her back passage. "Oh, God, Zane," she moaned. "This never gets old, filling me up like you do." I slapped her meaty ass cheek hard enough to leave an angry red handprint. Barbie gave a deep intake of breath that became a squeal of joy. Mercy grunted as Rio yanked her panties off her ass and down her legs. "Crawl over there and give Barbie Lynn a kiss," Rio demanded. Mercy gulped and hesitated to respond so Rio hauled off and smacked her ass hard enough for people outside the room to hear. Mercy's eyes grew wide, her mouth gaped open, and her cheeks flushed, then she smiled. She made her way slowly across the bed, clearly enticing Rio to spank her several more times. Mercy first brought Barbie Lynn's gaze over toward her by tipping her chin with one careful hand. The first kiss was tentative and tender. SMACK! "Kiss her like you want to be kissed, you whore!" Rio taunted Mercy. As she spanked her with one hand, she drove two fingers into Mercy's cunt with the other. I had to assume that Mercy was already pretty wet because instead of pulling away from the penetration, Mercy leaned forward on her elbows while thrusting her hips back against Rio's intrusion. While I was being sensitive to the slow burn Barbie Lynn was going through, Rio drove her hand rapidly like a maniac. It was a good thing that Mercy liked it rough, but then she chose to be with Rio as much as Rio chose to pick on her. At the opposite side of the expression spectrum, Iona curled up against Barbie's other side and let her lips gracefully flit along the shoulder and arm. Mercy returned for another kiss at the same time I reached my full expansion inside of Barbie Lynn. "Oh, my," Barbie gasped. I waited as she adjusted internally while Mercy kissed her with a lot more passion and intensity. That didn't stop Rio from administering a few more sharp smacks to Mercy's bottom, compelling Mercy to rumble with a hunger for more. Iona let her lips migrate from arm to hip, and leading up Barbie Lynn's hip to my stomach. "Reach a hand back here and take over, you slut," Rio told Mercy. When Mercy made the maneuver, Rio began stripping down. Unlike this weekend, she had only her two labia piercings in, though she still had her tattoo along the hip. She gave me both raised eyebrows to go along with her insane grin as the clothes finished coming off. I partially withdrew my member from Barbie Lynn, eliciting a moan. Iona settled up against me, resting her hands on my chest and hip. I kept a grip on Barbie's hip and slipped a hand around Iona's hip and buttocks, rubbed it along her anus, ending at her cunt. "Ugh," Iona grunted, as I stroked her kitty and sunk a finger inside. The group of us got into a rhythm once Rio knelt behind Mercy and began lapping up her cunt and squeezing her ass. By the way Barbie Lynn was pushing and rotating her hips, grabbing the sheets in tight fists and moaning between her kisses with Mercy, she was approaching her second orgasm. "Zane, Jesus Christ, Zane, oh, God, Baby, ah, aha, Yes!" she screamed. Her ass muscles gripped, twisted, and squeezed my cock so hard, it took all my concentration to not shoot off into her rectum. Barbie Lynn kept pulsing and rocking over the sheets as waves of intense pleasure crested and slowly worked its way through her system. Iona and I started seriously kissing as she stood on her knees beside me. "I want to try something," I told her. "He wants to try something?" I heard Valerie's voice talking to an unseen party. "Somehow the current five-way isn't enough for him." There was a snort in agreement of that. I pumped Barbie Lynn four times in quick succession, then leaned back until my cock was at the very edge of leaving her ass. My torso pivoted, I slipped my arms between Iona's legs and pulled her up by her buttocks and to me. "What?" she gasped. As Iona rose up and I twisted back to a face-forward position, I licked and tongue-tickled my way from her chest, to her stomach, and finally to her pubic hair. "Ah, oh, okay," Iona exhaled with pleasure. She put her hands on my shoulders, moved higher, and moved her legs over my arms and rested them on my shoulders. I still had to hold tight to her ass and raise her to the point I could get my mouth fully on her clit and moist lips. "Oh, damn," Rio giggled, "Zane's making me pull out my toys." SMACK! "Mercy, you behave." Rio moved off the bed, stopped, and said, "You had better not remember where I'm getting these from," to another person. "I wouldn't think of it," Dana Gorman allowed. Clearly my surprise showed in my body because she spoke again. "I wanted to see what all my girls were giggling and whispering about in the showers. I put it down to standard virgin girl hysteria. Now, " "I half expect some porn director to say 'Cut, print' at any second," Valerie added. I really didn't need my sex life critiqued at this moment. I was balancing one girl on my face, licking her silly, while pounding Barbie Lynn's ass. Seriously, can't a man have a simple three-way with two college girls in his room in peace? I was soon too overwhelmed by the price of my sexual ambition to worry about that question. I drank deep of Iona's nectar, licking along the folds from top to bottom while letting my upper lip press against her throbbing clit. She took one hand from my shoulder, wrapped it up in my hair, and cautiously pushed my face deeper into her cunt. "Oh, God, Zane, ah, yes, yes, yes," she panted. "That's it, right there, Ah!" Iona began riding my face with greater and greater vigor. Barbie Lynn gyrated against my crotch. I heard a vibrator cut on and Mercy groaned as Rio did something to her. I suspected that was moving her off Barbie because Barbie began using greater force against me. I began to feel a tightness building up in my guts as my blood pounded from the exertions I was putting myself through. "Come here, Mercy," Rio coaxed, "On your back, my little slut, and spread those legs." I wished I could see what she was up to because soon Mercy was moaning and gurgling all over the place. "Please, Rio," Mercy pleaded, "please, " "Do you like that?" Rio teased. "Wiggle that ass for me, then, Baby." "Ah, oh, Rio, I love you," Mercy moaned. Smack! "None of that, you skank," Rio snapped. "You are my toy, nothing more." "Yes," sobbed Mercy. "Good girl," Rio responded. Mercy gave off a hiccup, then a gasp of pleasure. "You know you are my tight-ass whore; right?" Her victim lurched and moaned several more times. "Yes, yes, I understand," Mercy gasped. "I'm yours, whenever, you want." SMACK! "Good girl. Now shake that ass, Bitch," Rio continued. Mercy began making choking, sobbing sounds. "Don't you dare cum until you get me off. Work that tongue like you mean it." I could now visualize Rio and Mercy in a sixty-nine, Rio on top, with a dildo up Mercy's ass. While figuring that out, I almost missed Iona starting to spasm on my face. I could feel her cunt contracting on my tongue. One hand was yanking and releasing my hair while the fingernails on the other dug into my shoulder. I moved my tongue and latched onto her clit with my lips and sucked on it for all I was worth. "Ah, oh, oh, oh, Zane!" Iona screamed. Her fluids dripped over my nose, into my mouth, and down my chin, but that wasn't my problem. My problem was that Iona's body was convulsing, bending her backward toward the head of the bed and me forward into Barbie Lynn. Of course, if I couldn't stop Iona's progress, she'd topple onto Barbie Lynn too. "Oh, God fuck damn!" Barbie exploded as I rammed my full length into her inadvertently. "Jesus, love, which was cut off by her orgasm taking over. Her anal muscles constricted and that was it for me. Hot semen shot down Barbie's gut, causing her to scream even louder. My whole body was trembling from my ejaculation, plus the strain the two women were putting on me. Somehow I hung on long enough for Iona to reach behind her, catching the headboard, while Barbie Lynn extended her arms up to brace Iona from tumbling over. "Fuck, yeah, that's what I'm talking about," Rio laughed. "Mercy, you can come now." "Uh, uh, thank, oh, God," Mercy gasped out. "Rio, umm, ugh," she choked out before she buried her face into Rio's cunt and muffled further expressions of ecstasy. "Gurr," Rio growled, before burying her face into the top of Mercy's thigh. I figured by Mercy's thrashing that Rio took a bit of a nip out of her playmate's flesh. In a shuddering heap of sweaty flesh, Iona, Barbie Lynn, and I flopped onto the bed without anyone being crushed. They lay there while I remained on my knees. "Damn," Valerie chuckled, "I feel like a virgin all over again." "Hell, I need to take a shower and I just sat here," Gorman agreed. I moved between Barbie Lynn and Iona. "Fuck, he's still hard." "Zane's like that," Barbie Lynn laughed between gasps of breath. "He's always hard after the first round, God bless his soul." Iona snuggled into me, kissing my chest between gulps of air. "It's only been thirty minutes," Iona sighed. "We'll let him recharge a little bit before going at him again." "Yes, my ass hurts," Barbie Lynn added. "I won't be ready for, say an hour." Rio dismounted Mercy and rolled next to Barbie Lynn. "Mercy, get up here and kiss me, damn it," Rio breathed huskily. Mercy staggered around on all fours and crawled up Rio's body until she straddled her. A dreamy smile on her face, Mercy went to kiss Rio on the lips but Rio stopped her. "No, you don't, you cunt," Rio chastised her. "Here," she indicated her chin. Mercy kissed it. Rio then led Mercy on a slow quest over her nose, cheeks, earlobe, and finally the lips. Rio grabbed Mercy's hips and pulled the older girl down on top of her. "Okay, I have to ask; how did Rio end up in bed with Mercy? Mercy is one of my better martial artists and Rio is, well, Rio, kind of an annoying little twerp," Gorman wondered. "I won her playing bingo," was Rio's smarmy comeback. "They developed a relationship when you put her in our path," I was a bit more honest. "Mercy discovered something about herself and someone in Rio who could satisfy her needs." To emphasize the point, Rio spanked Mercy's ass hard and the girl humped Rio in response. "So, besides Cappadocia, are there any of my other girls you, have a relationship with?" Dana inquired. She even leaned forward on the chair she was sitting on. "What makes you think Cappy and I have a thing?" I asked. "On Monday," Dana rolled her eyes at my naivet , "she hated you and on Wednesday, she couldn't keep her eyes off of you and couldn't drive the other teammates out of the gym for your, private lesson. Just because I'm over thirty doesn't mean I'm soft in the head." "That's not fair, Coach," Rio smiled past Mercy. "We never thought you were bright." Before I could say or do anything, Barbie Lynn elbowed her. "Ow!" Rio snickered. "Why are you hitting me?" "I owe you. You said a bad thing, and Zane says never fight yesterday's battles. Now that the Coach is no longer the bad girl, we don't pick on her," Barbie Lynn explained. "But I'm always annoying," Rio countered. "Why is this time special?" "Rio, don't you think Zane deserves a break? He's always throwing himself onto the train tracks for you and you give him shit for it," Barbie Lynn sounded a bit cross. "After all, you wouldn't have Mercy if you'd had your way. Zane was right about you being good for the rest of us to know, and he was right about saving Mercy. I trust him about Coach because I trust you too." "Trust, smust, I'll keep my spank-o-matic," Rio grimaced. She clearly got Barbie Lynn's point but admitting it at the moment wasn't in her. "So, does anyone want to give Mercy a hard spanking? If not, I'm going to get my big strap-on and ream her ass until she is so hoarse, she can't scream anymore." "Don't you think you two need to grow together before using the 'OMG' model?" I warned her. That thing would tear Mercy's unprepared ass to shreds. I reached over Barbie Lynn and spanked Mercy four times, two to each ass cheek. She yelped and jolted with each contact, and while tears welled in her eyes, she couldn't have been happier. "I'm getting my favorite strap-on, then," Rio wiggled from under Mercy. "Hold her back," Valerie joked. "She's lost her mind." Mercy buried her face in the bed, shook her head, and raised her ass up in the air. "Fine, if it's the Spas-monkey you want, so be it." "Have some of this," Barbie Lynn fished out the lubricant and handed it to Mercy. "I don't know how patient Rio is going to be when she gets back." Rio, who was only a few feet away getting out and attaching her strap-on, stuck out her tongue at Valerie and Barbie. "Spas-monkey? I prefer Vibrator-Bunny, or didn't you two get my tweet?" "How about Vibrating Spas?" Iona suggested. Rio howled and charged the bed. "That's it," she giggled, "that tight little virgin ass-hole is mine!" Iona squawked and buried herself under my side. "That's my virgin ass to nurture and enjoy, bro, not yours," I taunted Rio as I reached around and put a comforting arm around Iona. I wasn't sure how Iona would take that. Her kisses to my ribs ended those worries. "I'll nipple twist you for her," Rio grinned. Belying her threat, she was lining up behind Mercy while Mercy was rubbing lube all along her ass cleft and anus. "I never considered the benefits of anal sex in a school full of virgin school girls," Valerie mused. "Oral sex, I expected, but not anal." "Somehow, when the Founders created the Purity Pledge, I suspect they were forbidding all kinds of intercourse, but they never counted on Zane," Dana stated. "Rio, I'm not going to take you on in a contest you love and I hate," I smiled. "How about a shoot-off? I'll spot you two orgasms." "Four," Rio hissed. She'd spread the oil over her dildo and was slowly pushing it into the ass of Mercy. Mercy had her face still buried in the sheets, her fists balled up and her hips pushing back. "Uh, uh, uh," Mercy groaned, as Rio penetrated with short jabs. She rested her hands on Mercy's shoulder and neck. "Okay, now I'm grateful I sleep on my back," Valerie commented. "I promised Zane I wouldn't break her, but if I felt that poking my hiney, I'd stick it somewhere she'd not soon forget." "Do the world a favor and stick it in her mouth," Dana smirked. "Hardy, har-har," Rio chuckled. She reached down beside Mercy, retrieved her vibrator, and began rubbing it along that girl's cunt slit and clit. Barbie Lynn reached for my cock and began stroking it, rubbing it along her ass and between her cheeks. "I need another beer," Dana sighed. "All this is doing is reminding me that plastic doesn't really get the job done." "Get me a Coke and I'll get the popcorn," Valerie said. "After all, I have an open invitation to join whenever I want." I had to wonder when that had happened, then I remembered Rio and her big mouth. Iona had settled in on her side, head propped up on her elbow, as she watched me push into Barbie Lynn once more. I had my hands on her hip and thigh, pushing in with more force this time around. "Feels, so, good," Barbie Lynn sighed, as my cock filled up her rectum. "Make me feel good, Daddy." I lifted up her left leg, then gingerly took her wounded leg and raised it to my shoulder as well. As I felt the deep reaches of her bowels envelop me, Barbie Lynn arched her back and let out a sob of joy. "Oh, that's what I need," she moaned, "That's what I've missed." Unlike our first round, this time we were raw with our hunger for one another. I kneaded her breasts, teasing and pulling the nipples from time to time. Her body was folded up so that our faces were close enough for me to lock onto those gorgeous bedroom blue eyes. Barbie licked her lips and blew kisses at me. I was so into Barbie sensually that I almost missed Mercy going off next to us. "Oh God, oh fuck, oh God!" she verbally exploded. "Please!!!" Rio kept up the slap, slap, slap of her thighs against Mercy's ass. "Don't you give up on me, Bitch," Rio taunted her. She grabbed a handful of Mercy's hair and pulled her shoulder up off the bed until she was balancing on her hands and knees. Rio shot a look my way and mouthed 'I love you' as she kept working Mercy over into one cascading orgasm after another. I was pounding deep into Barbie Lynn's tight orifice, Rio was happy, and Iona was giving me a dreamy, contented look. Life could hardly be better. "Zane, we need to, Oh, My God!" Virginia Goodswell cried out in a shocked voice. "Here, have my seat, Virginia," Gorman grinned. "You look like you are about to fall over." I hadn't even heard Dana or Valerie return. "Zane, what are you doing?" Virginia questioned. "I'm a little busy," I ground out. Fucking was hard, attention intensive, and pleasurable work. "Virginia, he's having anal intercourse with Barbie Lynn Masters," Dana chuckled. "I thought that would have been obvious. Rio Talon is using a strap-on and a dildo on Mercy Chaplain, and Iona, having been touched and licked to two orgasms, is sitting this round out." "I can see that and, Dana, what are you doing here?" Virginia, my Spiritual Advisor, asked. "I'm unemployed so they aren't my students anymore," Dana snorted. "Also, Zane's got one of the few illegal internet hook-up plus satellite TV. My apartment is a tomb, comparatively." "This was the farthest thing from my mind when I learned my Dad was sending me to an All-Girl Christian University," Valerie added. "It is the skirts," Rio giggled. "Zane can't keep his hands off the skirts." "In my experience, Zane has the pathological desire to worship the female form," Iona joined in. "Listen, I knew Zane was having, relationships, but coming in and finding him in bed with four women, girls, students is a bit much to wrap my mind around," Virginia related. "My sex life has been a bit vanilla." "I prefer to think of mine as disappointing," Dana confessed. "All my boyfriends have lived under threat of dismemberment, so I've had it pretty safe too," Valerie stated. "Threat of dismemberment?" Virginia stammered. "She's a member of a major criminal biker organization in the Rockies," Dana informed her. "We are a motorcycle club," Valerie defended her family. "I'm having sex here," I growled. "If you don't mind, " "We are good, Zane," Valerie replied. "Don't worry about us, and Barbie needs you." "Gee, thanks," I grumbled, but she was right; Barbie Lynn needed my attention. "Ms. Palmer, every one of your known associates, except your baby sister, has a criminal record," Dana said. "I've never been convicted of anything," Val countered, "and Mom got off on a bad search." Mercy cried out as Rio shifted to sharp powerful jabs with her artificial cock. "I've got a record," Rio crowed proudly. "That only means you were sloppy enough to get caught," Valerie pointed out. "It wasn't my fault; I ran out of road while driving a stolen Porsche," Rio told us. "You stole a Porsche?" Valerie asked. "How do you run out of road in an expensive, high-performance sports car?" Virginia wondered. "Yes, take that, Mercy, you bitch," slap, slap, "I stole a Porsche and I ran out of road when I cruised into another car showroom on the far side of town. Who knew that those dumb sons-of-bitches didn't put a back way out that place?" "Rio, why did you steal something that didn't belong to you in the first place?" Iona begged to know. "Blame drugs, teenage hormones, or the fact that it was a school night, I hadn't studied for a test the next day, and this sounded like the best way of not having to take it," Rio suggested. I would have told them that was Rio-speak for 'I have no idea' except I'd finally stretched Barbie Lynn's hamstrings to the point we had our tongues entwined, mouths pressed, and teeth nibbling on each other's lips like famished lovers. I could feel her anal spasm vibrating up through her body and her lungs fighting for air. She was getting close and I thought it was going to be a big one. "That would be an exhibition of low impulse control," Dana chided Rio. "I think it shows poor life choices," Virginia stated. "I think it shows she's fucking nuts," Valerie declared. "Fine, whatever, but I'm one of the two people fucking a sweet piece of ass while you dykes are sitting on the sidelines," Rio taunted them. "You are my students," Virginia began, "I don't, She was interrupted by Barbie Lynn. "Ugh, Oh, Lord Jesus, Zane," she gasped then, "Ai!" she screamed so loud I was afraid my brain would explode. She kept trying to buck me off and thrash about so violently that I was afraid she'd hurt herself, or me. I rode that wave for almost a minute before Barbie Lynn made one final strenuous effort, then went limp in my arms. I gently shifted her legs down my sides to rest on the bed. I remained propped over her until her eyes focused on me and an ephemeral smile graced her lips. "Umm, sleepy," she purred. "Okay, Babe," I said, then kissed her nose. Her eyes closed and her breathing became low and regular. "Okay,&quo

What if the chapter you'd rather skip is the one God is using to shape your calling? We open Genesis 50:20 and sit with Joseph's bold confession—“You intended to harm me, but God intended it for good”—to reframe detours, delays, and disappointments as ground where purpose grows. From betrayal to breakthrough, we trace how character formed in hidden seasons becomes strength for public assignment, and how that pattern is alive in our own eight-year journey with Family Disciple Me.Joseph's story gives language to what many of us feel: purpose doesn't vanish in the pit and it isn't guaranteed in the palace; it develops when God remains our focus through every season.This is the story of Joseph, this is the story of the Family Disciple Me ministry, and this is the story each of us can have as we continue to walk with the Lord and "Seek Him Speak Him." So, be encouraged! Subscribe, share this episode with a friend who needs a “but God” moment, and leave a review to help more families discover these tools. Let's keep seeking Him, speaking Him, and trusting that God still intends it for good.______________________The Family Disciple Me ministry exists to catalyze devotion driven discipleship in our homes and around the world. We believe that discipleship starts with a conversation, and FDM provides free, easily-accessible, biblical resources to encourage these meaningful conversations along life's way. Sign up through our website to be "the first to know" about upcoming releases and resources (including the FDM App - coming soon!!!) You can also follow Family Disciple Me on social media. Family Disciple Me is a 501(c)(3) nonprofit ministry, and all donations are tax deductible. More information, blogs, statement of faith and contact info can be found at familydiscipleme.org

BOO!Gotcha.

What if your “waiting place” is actually a greenhouse for growth? In this episode, we explore how God transforms seasons that feel stalled into fertile ground for spiritual, family, and community multiplication—starting with Israel's long stay in Goshen and stretching into the explosive movement of the early church. Instead of treating delay as dead time, we look at how Scripture frames waiting as a season to settle, steward, and sow: settle into faithful rhythms, steward what's already in your hands, and sow the seeds of discipleship that bear fruit over time.We walk through the pattern of multiplication found in Genesis and Acts—the call to be fruitful and multiply, the Israelites acquiring property and increasing, the word of God spreading widely and growing in power. Along the way, we address a cultural reality: our world is downsizing vision, commitment, and responsibility. Against that tide, we cast a hopeful vision for kingdom growth that includes both physical and spiritual children. Whether you're a parent, a single adult, a grandparent, or a young professional, you have a part to play: share the gospel, mentor someone younger, open your home, pray with a student, and bring Scripture into everyday conversations.If your life feels like Goshen right now, take courage. Growth is not postponed until perfect conditions arrive. It begins where you are—one heart, one family, one home, one conversation at a time. We close with practical prompts to help you grow in grace, truth, love, and maturity, and a challenge to make Jesus more famous through ordinary faithfulness. Subscribe at familydiscipleme.org/subscribe for more thoughtful, faith-centered conversations, share this with a friend who needs encouragement, and leave a review to help others discover this message of fruitful waiting.______________________The Family Disciple Me ministry exists to catalyze devotion driven discipleship in our homes and around the world. We believe that discipleship starts with a conversation, and FDM provides free, easily-accessible, biblical resources to encourage these meaningful conversations along life's way. Sign up through our website to be "the first to know" about upcoming releases and resources (including the FDM App - coming soon!!!) You can also follow Family Disciple Me on social media. Family Disciple Me is a 501(c)(3) nonprofit ministry, and all donations are tax deductible. More information, blogs, statement of faith and contact info can be found at familydiscipleme.org

An urban legend, a haunted house, and a small town coming of age tradition. Welcome to Thirteen's 2025 Fall Series: Willow House Don't want to wait for weekly releases? Listen to the rest of the series right now, on  ⁠Patreon⁠! Written by Ian Epperson Narrated by Brooke Jennett Ashley was Noelle Woolery Charlie was Shelby Novak  Andi was Kayla Temshiv  Music composed by Caleb Ritchie Editing and sound design by Brooke Jennett Assistance from Bridgett Freeman Get your copy of Mad As Birds by M.C. Schmidt Hear more from Shelby on her shows Scare You To Sleep and The Bloody Disgusting Podcast! Find Thirteen on social media at: ⁠Facebook⁠, ⁠Tiktok⁠ and⁠ Instagram⁠ Email us with any questions, comments, or story submissions  at  ⁠info@thirteenpodcast.com⁠ Additional Music and SFX licensed through ⁠Artlist⁠ We're part of the SpectreVision Radio network! SpectreVision Radio is a bespoke podcast network at the intersection between the arts and the uncanny, featuring a tapestry of shows exploring creativity, the esoteric, and the unknown. We're a community for creators and fans vibrating around common curiosities, shared interests and persistent passions. SpectreVision Radio ⁠Website⁠ SpectreVision Radio ⁠Socials⁠ CONTENT WANRING BELOW MAY CONTAIN SPOLIERS - - - - - - Suicide, Domestic Violence Learn more about your ad choices. Visit megaphone.fm/adchoices

Alarms blare, policies stack up, and yet the world still feels unsafe. In this episode, host Tosha Williams helps us look at what's sturdier than locks and warranties. We turn to Goshen—the story of how God set His people apart inside Egypt—and trace a thread of protection that runs across Scripture and into our lives and homes today. Not escape from our problems, but embracing God's Presence within them. In this episode, we start with Genesis then move to Scriptures like Romans 8:31, Hebrews 13:6, and Psalm 18:2, unpacking why confidence grows when we see God as our Protector. Jesus' prayer in John 17:15 reframes safety: we're not removed from the world; we are guarded from the evil one within it. And 2 Thessalonians 3:3 gives the pattern families need to coach our kids to build spiritual muscle in difficult times to prepare for evil times.You'll hear practical ways to teach this at home, move from anxiety to alert hope, and stand firm with a steady, non-anxious presence. We talk about training trust through disappointments, recognizing real threats, and holding tight to the promise of 2 Timothy 4:18: the Lord rescues from every evil attack and brings us safely to His kingdom. If you've been wondering how to live with courage in a chaotic culture, this conversation offers language, Scripture, and rhythms to help you and your family live “in Goshen”—set apart, not sealed off.If this episode encouraged you, share it with a friend who needs peace in God's Protection today, and leave a quick review to help more families find their footing.______________________The Family Disciple Me ministry exists to catalyze devotion driven discipleship in our homes and around the world. We believe that discipleship starts with a conversation, and FDM provides free, easily-accessible, biblical resources to encourage these meaningful conversations along life's way. Sign up through our website to be "the first to know" about upcoming releases and resources (including the FDM App - coming soon!!!) You can also follow Family Disciple Me on social media. Family Disciple Me is a 501(c)(3) nonprofit ministry, and all donations are tax deductible. More information, blogs, statement of faith and contact info can be found at familydiscipleme.org

Looking for more game-play.Based on a post  by a u guy86, in 3 parts. Listen to the ► Podcast at My First Time. The entire walk home, Ashley was smiling like a little girl on Christmas morning, holding Michael's arm and walking as close to him as she could. Michael, on the other hand, was a nervous wreck. Antonio's advice for him to be his normal dorky self had worked, but had it worked too well? Questions began to race through his mind. What if she invited him in? What if she invited him to bed with her? How would she react when he told her of his lack of experience? If she did want to sleep with him, he didn't dare try to hide the fact that he was a virgin; no way would that end well. Sighing mentally, he decided he'd just have to play it by ear and hope for the best.“I… had such a great time with you,” Michael said as they approached her door.“Me too,” Ashley agreed. “And… well, it's still kinda early.”“Uh… y-yeah?”Throwing caution to the wind, Ashley leaned forward and planted a long and sensuous kiss on Michael's lips. By the end of it, her tongue had found his for the first time, to both of their delights.“Why don't you come in and stay a while?” she asked as they parted.“But… wouldn't Liz mind?”“Liz already told me she'll be gone ‘til tomorrow. We have the place to ourselves.” Sensing his hesitation, she continued, “Michael, believe me when I say that I swore at the start of the night this wouldn't happen. No matter how well tonight went… I had no intention of inviting you in after one date. Yet, here we are, and I don't want the night to end. No pressure, no expectations, I just… I want to spend more time with you. I mean, it is Valentine's Day, after all, and I do consider you my Valentine.”“Now who's the cheesy one?” Michael laughed. “I'd love to spend more time with you tonight, but only if you're sure.”Another peck on the lips, and Ashley said, “Positive.”Taking Michael's hand, Ashley practically dragged him into the apartment and locked the deadbolt behind her. She then took Michael's suit jacket from him, hanging it on the back of a chair at the breakfast nook. Before long, she had kicked off her shoes and plopped down on the sofa.“Come on,” Ashley beckoned, patting the seat next to her. “I don't bite.”Michael smirked at this, discarding his own shoes and loosening his tie a bit. As soon as his ass touched the sofa cushion, Ashley was already hanging on him, running her fingers through his hair and moving her hand to his thigh. Still, he tried to play it cool and have no assumptions about her intentions.“Did… you wanna watch a movie or something?” Michael asked.Smiling, Ashley gave a few playful kisses to Michael's cheek before replying, “Is that really what you want us to do tonight?”“I… I-I um…”Michael was slowly losing control of his mental capabilities, and Ashley damn well knew it. After he had driven her crazy on the dance floor, seducing her without even realizing it, she was determined to do the same. Turning up the heat, she leaned closer to Michael and kissed his lips longingly. He was powerless to stop her as she pushed him to lie back long ways on the sofa. The feeling of her lithe body on top of his was almost too much to bear.“Ashley…” he moaned.Looking deep into his eyes, she said, “Michael, I can't tell you how into you I am. I know this sounds insane, and I don't want you to think I'm slutty or anything, but… I want you to stay the night. Unless you absolutely don't want to, I have no intention of letting you leave until tomorrow.”Michael's face twisted a bit at this. “Of course I want to be here with you! But why would you think I'd think you're slutty?”Snorting a bit, Ashley replied, “Come on, Michael. Here I am, throwing myself at you after one date. How is that not slutty?”Maintaining eye contact, he asked, “Do you respect yourself and your standards?”“Of course! I would never even consider inviting a guy in or certainly sleeping with him under normal circumstances.”“And what makes you consider doing that?”“Basically… he has to be boyfriend material. I mean… look, I'm gonna be honest with you, Michael. I've been pretty stupid around men in the past, sleeping with them while knowing they aren't even close to being boyfriend material. I guess I thought I could change them. Like I said, I was stupid back then. But now, I know I have to fall for a guy because of who and what he is before I'd even think of sleeping with him. I don't just hop into bed with any guy I meet, not anymore.”Michael grinned. “Sounds like the opposite of slutty to me.”Kissing him once more, Ashley replied, “You sure know how to pay a girl a compliment. You sure you're not the one seducing me?”“Hey, you're the one who called me ‘boyfriend material' a moment ago.”“I certainly did not call you boyfriend material!” Ashley said, feigning offense. “I merely stated that any man I'd consider sleeping with had to fall into that category. Nothing more.”“Gotcha. So I'm not boyfriend material,” Michael replied with a smartass grin.“You know damn well you are,” Ashley sighed, running her fingers along his cheek. “Most genuine guy I've ever met.”“After one date?” Michael asked, still a bit in awe of the situation.“Michael, you weren't afraid to be yourself out there, even with the real you being a big dork. To me, there's nothing more attractive than that sort of confidence. It makes me want to make you my big dork, and nobody else's.” Kissing him again, Ashley began to grind her hips along his obvious erection. “Hmm, something's got you going down there, eh?”Panicking a moment at how quickly things were progressing, Michael managed to pull back. “Ashley, wait. There's… there's something you deserve to know before we go any further.”“Aw, is this your first time?” she asked playfully. Though she had been teasing, the look of terror spread across his face told her the truth. “Oh my god… this really is your first time, isn't it?”“Yeah,” he sighed, bracing for the worst.“That's… fantastic!”“Wait, what?”“Michael, you have no idea how nerve-wracking it is for us gals, trying to figure out if a guy is for real or not. So many guys are out to use any trick in the book to get into our panties. But the one trick those guys don't use is the virgin trick; no guy I've ever met would lie about being a virgin. There's plenty that would lie about not being a virgin, but never the other way around. Hearing you say that… it's comforting, in a way. I know you'd never try to trick me or anything like that, if that makes any sense.”“So… you're not gonna kick me out?” Michael asked.“Hell no.” Remembering his religious upbringing, Ashley continued, “Listen, I don't ever want to pressure you into something that you aren't comfortable with or that you'd feel wrong about. If you need to leave, I'm cool with that; I'd still want to see you again. If all you want to do is sleep, that's perfectly fine, too. But if you're interested in turning in your V-card… I'm more than willing.”Michael's mouth dried up at this. He didn't necessarily share his parents' views that sex should only occur within a marriage. Still, he had always known he only wanted to lose his virginity to someone special, someone that he could trust implicitly. Was Ashley that person? A small part of him was still terrified that this might be a setup, but the look in Ashley's eyes was slowly eroding that fear. He wanted to trust her, no matter how much the logical side of his brain told him not to. Taking a deep breath, Michael Goldman decided to take a leap of faith.“I want to.”Without a word, Ashley stood from the sofa and pulled Michael to his feet, leading him to her bedroom. A pair of blue lava lamps in either corner emitted a soft glow, and the décor reflected Ashley's true gamer girl personality. A pair of plush toys, Pikachu and Yoshi, stood guard atop her bed, her computer screensaver depicted Princess Peach and Princess Daisy, and her TV in the corner had both a Super Nintendo and a N64 plugged into it.“Retro. Very nice,” Michael remarked, nodding his approval.“Sometimes, the old ways are best,” Ashley agreed with a smirk. Melting into his arms once more, she turned her back and held her hair aside, beckoning, “Unzip me, please.”Michael's hands trembled as he lowered the zipper down to the small of her back. The mere sight of her exposed skin was enough to bring him dangerously close to blowing his top right then and there, but a few deep breaths managed to calm him down. He fumbled for several seconds with the clasp at the top of the dress, but Ashley showed no signs of impatience; they had all the time they needed, after all. At last, he managed to unhook the clasp, and Ashley allowed the red dress to slide off her body and down to the floor. She turned, now clad only in a white strapless bra and matching panties.“I'll teach you more about how to get one of these off another time,” Ashley cooed. “But for now…”In one swift motion, she reached behind her back with one hand and undid her bra clasp. She was still pressed against Michael's chest, holding the garment in place for the time being, much to his disappointment. Ashley only grinned as she backed up out of his arms, holding the bra in place with her hands for a few moments longer.“Oh, come on…” Michael whimpered.“Poor boy,” Ashley teased. “Remember, anticipation is a huge part of foreplay.”“Anticipation or torture?”“Amazing how often those two coincide,” Ashley shot back with a giggle.Deciding Michael had waited long enough, Ashley lowered her arm and allowed the bra to fall to the floor. Michael stared in awe at her perky tits, high and firm on her chest. He certainly wasn't an expert, but they appeared to be about a B-cup, and her nipples were already rock hard, beckoning him to touch them. The rest of her body was just as amazing. Her milky skin contained not a single speck or blemish, save for the tattoo on her shoulder, and that only served to accentuate her beauty. He moved forward, reaching for her tits, but Ashley slapped his hands away.“Nuh uh,” she said, shaking her finger at him. “You don't get to touch until I see some of what you've got.”Ashley reached for Michael's clothes to try and speed the process along, but was soon stumped by his tie. Michael found this quite amusing, considering the difficulty men notoriously had with bras. He undid the knot and tossed the tie on the floor, beginning to unbutton his white dress shirt. At this point, Ashley just stood back and watched, as Michael had done with her. After he removed his dress shirt and undershirt, Ashley's eyes widened with lust and desire. As much as she wanted to jump his bones then and there, she managed to restrain herself. It was only fair, after her previous denial of his touch. Michael was clearly nervous as he undid his belt and lowered his suit pants. His boxers were tented from his erection and already stained with a bit of his precum, which Ashley took as a massive compliment.“Very nice,” she whispered in a husky voice.“Thanks,” Michael replied with a nervous grin.Hooking her thumbs into the waistband of her panties, she continued, “Time for the big reveal, then?”With a seductive grin on her face, Ashley began to lower the garment down her legs, her tits jiggling as she bent over to kick them off. Michael was frozen in place with sheer amazement at the sight before him. Here he was, in the presence of the most gorgeous girl he had ever imagined, naked as the day she was born. Her shaved cunt looked so warm and inviting; how he ached to feel her wrapped around him. After allowing him a moment to stare, she sauntered up to him and slipped her fingers into his boxers.“May I?” Ashley asked.All Michael could do was nod at that point, and Ashley planted her lips on his as she allowed his boxers to fall to the floor. She smiled as she took his member in her hand, feeling that he was indeed packing substantial weaponry. Ashley soon remembered that this was Michael's first time; it would be all he could manage not to go off too soon. She stopped her teasing for the moment and turned to her double bed. After slipping underneath the covers, she patted the spot next to her, which Michael readily occupied.They spent the next several minutes kissing and exploring each other's bodies with their hands and mouths. Michael was pleased to discover that Ashley's tits were indeed quite firm, fitting perfectly in his hands. As wonderful as feeling them was, he enjoyed tasting them even more, and especially the reactions this brought about from Ashley. All the while, she allowed her own hands to explore Michael's body. She found a particularly strong erogenous zone at the back of his neck where his hairline began. Soon, neither could stand it any longer; they had to make love.“Michael,” Ashley whispered, “I can see in your eyes that you're worried about performance. Don't be. You've already made this night more special than I ever imagined it could be. Just enjoy for as long as it may last.”“But-”“Trust me,” she continued, silencing him with a kiss. “This is only the first of many times we're going to do this.”As Ashley pushed him onto his back and straddled him, Michael had the presence of mind to ask, “Do we need any… protection?”Ashley stopped at this, stunned by his kind consideration. “Michael, you really are the best kind of guy around. You don't have to worry about me getting pregnant; I'm on the pill. I'm also clean per my last doctor's visit, but if you'd feel more comfortable with a condom, I'm happy to oblige. I keep a few spares in my nightstand.”Though the logical part of his brain told him to agree to it, Michael couldn't help but put his faith in this girl. “No, that's all right. I trust you're being honest. Just wanted to be sure.”Ashley sealed her lips around Michael's once more, positioning the head of his cock at her entrance as she did so. After a moment of silent understanding, he placed his hands on her hips and guided himself into her moist cunt. The feelings were exquisite, like liquid velvet squeezing his member. She made sure to keep a slow pace, allowing Michael to savor every new sensation that came along. After arriving at the base of his cock, Ashley sat straight up, displaying her pert tits for her lover.“Holy shit, Ashley…” Michael moaned.“You're mine, now,” she giggled. “And I don't plan on letting go of you anytime soon…”“No complaints from me,” he admitted with a grin.For the next five minutes, Ashley treated Michael to the ride of his life, teasing and tormenting his engorged cock with every inch of her cunt. She was pleasantly surprised to see that he was able to last so long on his first time, long enough even for her to reach a small orgasm of her own. All the while, Michael couldn't help but cup her perfect tits in his hands. As he drew close to climax, Michael pulled Ashley down to lie face-to-face with him and planted a sensuous kiss on her lips. The sensation of her fingers on his cheeks and running through his hair were too much at that point, and he sent his seed into her waiting cunt with a guttural moan of ecstasy.“Mmm… I love that feeling,” Ashley purred, savoring Michael's cock twitching within her folds.Spent and content, Michael couldn't even utter a word in reply, so Ashley slipped off his cock and rolled next to him

Looking for more game-play.Based on a post  by a u guy86, in 3 parts. Listen to the ► Podcast at My First Time. The entire walk home, Ashley was smiling like a little girl on Christmas morning, holding Michael's arm and walking as close to him as she could. Michael, on the other hand, was a nervous wreck. Antonio's advice for him to be his normal dorky self had worked, but had it worked too well? Questions began to race through his mind. What if she invited him in? What if she invited him to bed with her? How would she react when he told her of his lack of experience? If she did want to sleep with him, he didn't dare try to hide the fact that he was a virgin; no way would that end well. Sighing mentally, he decided he'd just have to play it by ear and hope for the best.“I… had such a great time with you,” Michael said as they approached her door.“Me too,” Ashley agreed. “And… well, it's still kinda early.”“Uh… y-yeah?”Throwing caution to the wind, Ashley leaned forward and planted a long and sensuous kiss on Michael's lips. By the end of it, her tongue had found his for the first time, to both of their delights.“Why don't you come in and stay a while?” she asked as they parted.“But… wouldn't Liz mind?”“Liz already told me she'll be gone ‘til tomorrow. We have the place to ourselves.” Sensing his hesitation, she continued, “Michael, believe me when I say that I swore at the start of the night this wouldn't happen. No matter how well tonight went… I had no intention of inviting you in after one date. Yet, here we are, and I don't want the night to end. No pressure, no expectations, I just… I want to spend more time with you. I mean, it is Valentine's Day, after all, and I do consider you my Valentine.”“Now who's the cheesy one?” Michael laughed. “I'd love to spend more time with you tonight, but only if you're sure.”Another peck on the lips, and Ashley said, “Positive.”Taking Michael's hand, Ashley practically dragged him into the apartment and locked the deadbolt behind her. She then took Michael's suit jacket from him, hanging it on the back of a chair at the breakfast nook. Before long, she had kicked off her shoes and plopped down on the sofa.“Come on,” Ashley beckoned, patting the seat next to her. “I don't bite.”Michael smirked at this, discarding his own shoes and loosening his tie a bit. As soon as his ass touched the sofa cushion, Ashley was already hanging on him, running her fingers through his hair and moving her hand to his thigh. Still, he tried to play it cool and have no assumptions about her intentions.“Did… you wanna watch a movie or something?” Michael asked.Smiling, Ashley gave a few playful kisses to Michael's cheek before replying, “Is that really what you want us to do tonight?”“I… I-I um…”Michael was slowly losing control of his mental capabilities, and Ashley damn well knew it. After he had driven her crazy on the dance floor, seducing her without even realizing it, she was determined to do the same. Turning up the heat, she leaned closer to Michael and kissed his lips longingly. He was powerless to stop her as she pushed him to lie back long ways on the sofa. The feeling of her lithe body on top of his was almost too much to bear.“Ashley…” he moaned.Looking deep into his eyes, she said, “Michael, I can't tell you how into you I am. I know this sounds insane, and I don't want you to think I'm slutty or anything, but… I want you to stay the night. Unless you absolutely don't want to, I have no intention of letting you leave until tomorrow.”Michael's face twisted a bit at this. “Of course I want to be here with you! But why would you think I'd think you're slutty?”Snorting a bit, Ashley replied, “Come on, Michael. Here I am, throwing myself at you after one date. How is that not slutty?”Maintaining eye contact, he asked, “Do you respect yourself and your standards?”“Of course! I would never even consider inviting a guy in or certainly sleeping with him under normal circumstances.”“And what makes you consider doing that?”“Basically… he has to be boyfriend material. I mean… look, I'm gonna be honest with you, Michael. I've been pretty stupid around men in the past, sleeping with them while knowing they aren't even close to being boyfriend material. I guess I thought I could change them. Like I said, I was stupid back then. But now, I know I have to fall for a guy because of who and what he is before I'd even think of sleeping with him. I don't just hop into bed with any guy I meet, not anymore.”Michael grinned. “Sounds like the opposite of slutty to me.”Kissing him once more, Ashley replied, “You sure know how to pay a girl a compliment. You sure you're not the one seducing me?”“Hey, you're the one who called me ‘boyfriend material' a moment ago.”“I certainly did not call you boyfriend material!” Ashley said, feigning offense. “I merely stated that any man I'd consider sleeping with had to fall into that category. Nothing more.”“Gotcha. So I'm not boyfriend material,” Michael replied with a smartass grin.“You know damn well you are,” Ashley sighed, running her fingers along his cheek. “Most genuine guy I've ever met.”“After one date?” Michael asked, still a bit in awe of the situation.“Michael, you weren't afraid to be yourself out there, even with the real you being a big dork. To me, there's nothing more attractive than that sort of confidence. It makes me want to make you my big dork, and nobody else's.” Kissing him again, Ashley began to grind her hips along his obvious erection. “Hmm, something's got you going down there, eh?”Panicking a moment at how quickly things were progressing, Michael managed to pull back. “Ashley, wait. There's… there's something you deserve to know before we go any further.”“Aw, is this your first time?” she asked playfully. Though she had been teasing, the look of terror spread across his face told her the truth. “Oh my god… this really is your first time, isn't it?”“Yeah,” he sighed, bracing for the worst.“That's… fantastic!”“Wait, what?”“Michael, you have no idea how nerve-wracking it is for us gals, trying to figure out if a guy is for real or not. So many guys are out to use any trick in the book to get into our panties. But the one trick those guys don't use is the virgin trick; no guy I've ever met would lie about being a virgin. There's plenty that would lie about not being a virgin, but never the other way around. Hearing you say that… it's comforting, in a way. I know you'd never try to trick me or anything like that, if that makes any sense.”“So… you're not gonna kick me out?” Michael asked.“Hell no.” Remembering his religious upbringing, Ashley continued, “Listen, I don't ever want to pressure you into something that you aren't comfortable with or that you'd feel wrong about. If you need to leave, I'm cool with that; I'd still want to see you again. If all you want to do is sleep, that's perfectly fine, too. But if you're interested in turning in your V-card… I'm more than willing.”Michael's mouth dried up at this. He didn't necessarily share his parents' views that sex should only occur within a marriage. Still, he had always known he only wanted to lose his virginity to someone special, someone that he could trust implicitly. Was Ashley that person? A small part of him was still terrified that this might be a setup, but the look in Ashley's eyes was slowly eroding that fear. He wanted to trust her, no matter how much the logical side of his brain told him not to. Taking a deep breath, Michael Goldman decided to take a leap of faith.“I want to.”Without a word, Ashley stood from the sofa and pulled Michael to his feet, leading him to her bedroom. A pair of blue lava lamps in either corner emitted a soft glow, and the décor reflected Ashley's true gamer girl personality. A pair of plush toys, Pikachu and Yoshi, stood guard atop her bed, her computer screensaver depicted Princess Peach and Princess Daisy, and her TV in the corner had both a Super Nintendo and a N64 plugged into it.“Retro. Very nice,” Michael remarked, nodding his approval.“Sometimes, the old ways are best,” Ashley agreed with a smirk. Melting into his arms once more, she turned her back and held her hair aside, beckoning, “Unzip me, please.”Michael's hands trembled as he lowered the zipper down to the small of her back. The mere sight of her exposed skin was enough to bring him dangerously close to blowing his top right then and there, but a few deep breaths managed to calm him down. He fumbled for several seconds with the clasp at the top of the dress, but Ashley showed no signs of impatience; they had all the time they needed, after all. At last, he managed to unhook the clasp, and Ashley allowed the red dress to slide off her body and down to the floor. She turned, now clad only in a white strapless bra and matching panties.“I'll teach you more about how to get one of these off another time,” Ashley cooed. “But for now…”In one swift motion, she reached behind her back with one hand and undid her bra clasp. She was still pressed against Michael's chest, holding the garment in place for the time being, much to his disappointment. Ashley only grinned as she backed up out of his arms, holding the bra in place with her hands for a few moments longer.“Oh, come on…” Michael whimpered.“Poor boy,” Ashley teased. “Remember, anticipation is a huge part of foreplay.”“Anticipation or torture?”“Amazing how often those two coincide,” Ashley shot back with a giggle.Deciding Michael had waited long enough, Ashley lowered her arm and allowed the bra to fall to the floor. Michael stared in awe at her perky tits, high and firm on her chest. He certainly wasn't an expert, but they appeared to be about a B-cup, and her nipples were already rock hard, beckoning him to touch them. The rest of her body was just as amazing. Her milky skin contained not a single speck or blemish, save for the tattoo on her shoulder, and that only served to accentuate her beauty. He moved forward, reaching for her tits, but Ashley slapped his hands away.“Nuh uh,” she said, shaking her finger at him. “You don't get to touch until I see some of what you've got.”Ashley reached for Michael's clothes to try and speed the process along, but was soon stumped by his tie. Michael found this quite amusing, considering the difficulty men notoriously had with bras. He undid the knot and tossed the tie on the floor, beginning to unbutton his white dress shirt. At this point, Ashley just stood back and watched, as Michael had done with her. After he removed his dress shirt and undershirt, Ashley's eyes widened with lust and desire. As much as she wanted to jump his bones then and there, she managed to restrain herself. It was only fair, after her previous denial of his touch. Michael was clearly nervous as he undid his belt and lowered his suit pants. His boxers were tented from his erection and already stained with a bit of his precum, which Ashley took as a massive compliment.“Very nice,” she whispered in a husky voice.“Thanks,” Michael replied with a nervous grin.Hooking her thumbs into the waistband of her panties, she continued, “Time for the big reveal, then?”With a seductive grin on her face, Ashley began to lower the garment down her legs, her tits jiggling as she bent over to kick them off. Michael was frozen in place with sheer amazement at the sight before him. Here he was, in the presence of the most gorgeous girl he had ever imagined, naked as the day she was born. Her shaved cunt looked so warm and inviting; how he ached to feel her wrapped around him. After allowing him a moment to stare, she sauntered up to him and slipped her fingers into his boxers.“May I?” Ashley asked.All Michael could do was nod at that point, and Ashley planted her lips on his as she allowed his boxers to fall to the floor. She smiled as she took his member in her hand, feeling that he was indeed packing substantial weaponry. Ashley soon remembered that this was Michael's first time; it would be all he could manage not to go off too soon. She stopped her teasing for the moment and turned to her double bed. After slipping underneath the covers, she patted the spot next to her, which Michael readily occupied.They spent the next several minutes kissing and exploring each other's bodies with their hands and mouths. Michael was pleased to discover that Ashley's tits were indeed quite firm, fitting perfectly in his hands. As wonderful as feeling them was, he enjoyed tasting them even more, and especially the reactions this brought about from Ashley. All the while, she allowed her own hands to explore Michael's body. She found a particularly strong erogenous zone at the back of his neck where his hairline began. Soon, neither could stand it any longer; they had to make love.“Michael,” Ashley whispered, “I can see in your eyes that you're worried about performance. Don't be. You've already made this night more special than I ever imagined it could be. Just enjoy for as long as it may last.”“But-”“Trust me,” she continued, silencing him with a kiss. “This is only the first of many times we're going to do this.”As Ashley pushed him onto his back and straddled him, Michael had the presence of mind to ask, “Do we need any… protection?”Ashley stopped at this, stunned by his kind consideration. “Michael, you really are the best kind of guy around. You don't have to worry about me getting pregnant; I'm on the pill. I'm also clean per my last doctor's visit, but if you'd feel more comfortable with a condom, I'm happy to oblige. I keep a few spares in my nightstand.”Though the logical part of his brain told him to agree to it, Michael couldn't help but put his faith in this girl. “No, that's all right. I trust you're being honest. Just wanted to be sure.”Ashley sealed her lips around Michael's once more, positioning the head of his cock at her entrance as she did so. After a moment of silent understanding, he placed his hands on her hips and guided himself into her moist cunt. The feelings were exquisite, like liquid velvet squeezing his member. She made sure to keep a slow pace, allowing Michael to savor every new sensation that came along. After arriving at the base of his cock, Ashley sat straight up, displaying her pert tits for her lover.“Holy shit, Ashley…” Michael moaned.“You're mine, now,” she giggled. “And I don't plan on letting go of you anytime soon…”“No complaints from me,” he admitted with a grin.For the next five minutes, Ashley treated Michael to the ride of his life, teasing and tormenting his engorged cock with every inch of her cunt. She was pleasantly surprised to see that he was able to last so long on his first time, long enough even for her to reach a small orgasm of her own. All the while, Michael couldn't help but cup her perfect tits in his hands. As he drew close to climax, Michael pulled Ashley down to lie face-to-face with him and planted a sensuous kiss on her lips. The sensation of her fingers on his cheeks and running through his hair were too much at that point, and he sent his seed into her waiting cunt with a guttural moan of ecstasy.“Mmm… I love that feeling,” Ashley purred, savoring Michael's cock twitching within her folds.Spent and content, Michael couldn't even utter a word in reply, so Ashley slipped off his cock and rolled next to him

Medicare isn't always as free as you think. In this episode, we'll explain IRMAA—the income-based surcharge that can raise your premiums and shrink your Social Security check. Learn what triggers it, who's most at risk, and a few smart planning moves to help keep more money in your pocket.   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.   Episode Transcript Think Medicare is free once you hit 65. Well, not quite. If your income's too high, there's a hidden surcharge that can quietly shrink your social security check by thousands a year. It's called IRMAA, and we're going to talk about that today here on Retirement Planning Redefined. Hey everybody, welcome into the podcast. Thanks for hanging out with John and Nick and myself as we talk, investing, finance and retirement. And guys, we're going to talk about Aunt Irmaa this week instead of Uncle Sam. Seems like there's these two relatives that got their hand in your pocket. I've always been taught to call IRMAA, the Aunt Irmaa that comes by and pinches your cheeks really hard instead of the cool one that gives you candy when you're a kid. So we're going to talk about IRMAA, and what it is and why it exists and all that good stuff this week. How you doing, John?   John: I'm doing all right. How are you?   Speaker 1: Hanging in there. Doing pretty good. Looking forward to chatting with you guys about this, learning a little bit about what is IRMAA and what does it do to us. And Nick, my friend, how are you?   Nick: Pretty good. Staying busy in the red zone for wedding planning and all that kind of stuff. And we are in football season so-   Speaker 1: There you go.   Nick: ... I've had to adjust my sleep schedule a little bit.   Speaker 1: Exactly. So between planning and football, you're burning the candle at both ends.   John: Monday is a little slower for Nick-   Speaker 1: Little slower. Gotcha.   John: ... the last three weeks, especially with the Bills, how good they look.   Speaker 1: Yeah, for sure. Yeah, my Lions look pretty good on Monday night this pastime.   Nick: You sure do.   Speaker 1: Yeah. Well, let's get into the conversation a little bit, guys. What is IRMAA and why does it exist? Whoever wants to start?   Nick: All right, I'll go ahead and start. So essentially IRMAA is an acronym that refers to essentially an income related monthly adjustment for the cost of Medicare part B and D. So essentially back in '03, as the plans both Medicare and social security continually get reevaluated due to the pressure that they're under from the standpoint of expenses and flows in, they decided to put this into place where to kind of tier it where people that were earning income currently, so if you're single earning income greater than 106,000 or married filing jointly earning income greater than 212,000, the premiums for part B start to go up. So this is something that we've dealt with quite a bit with clients.   It's based upon modified adjusted gross income, which nobody knows what that means, but it is a term that everybody's heard or most people have heard. As a reminder part A, there is no premium charge as long as you worked you or your spouse or former spouse work 40 quarters. This applies to the part B and part D. And it's not a penalty from the perspective of how they look at it. It's not like you're doing something wrong. It's more along the lines of almost just like tax brackets where lower income, lower bracket, the same thing on this, lower income, lower premium.   Speaker 1: Gotcha. Yeah. And that interesting piece that catches people is that it's a two year ago look back. So they're going to adjust it based on what you made two years back. So as you move into retirement, that could feel a little... You're like, wait a minute, why is this going up? But they're looking at maybe the last couple of years.   Nick: Yeah, for sure, and there is a form that people can fill out. We oftentimes help people fill them out. I think we've done it twice in the last two weeks where you can basically contest it. So especially if you've just retired and you were previously high income and they look back those two years, you can let them know that, "Hey, moving forward, this is going to be my income, it's going to be reduced."   Speaker 1: Gotcha.   Nick: Explain why, and oftentimes you can get it amended moving forward.   Speaker 1: Okay. And John, so hit us with some numbers here. So who's at risk paying the most? Obviously, there's some data in here and Nick explained that the more you make, but what's some of those guidelines?   John: Yeah. So just looking at the base levels here, single father who's modified adjusted gross income is over 106,000. Then they're going to be at risk of basically, we know it's not a penalty, but basically paying more for part B.   Speaker 1: Right.   John: And if you're married filing jointly, it's over 212,000. And the more you make, there's different phases of it where you might pay $74 and then it'll go up a little bit more as the modified adjusted gross income is up.   Speaker 1: Yeah, we'll talk about that here in just a second. So obviously it's not hard to get to 212 for a lot of couples, so this could impact a lot of people obviously.   John: Yeah, so no, we do see this coming up quite a bit lately, and where we see it is when someone hits RMD age, where if they've been sending so much money into pre-tax buckets and all of a sudden it's, hey, you have a 50, $60,000 RMD, you have two social securities, and with the cost of living adjustments the last five or six years, some of these social security payments are getting pretty large compared to what they were about six or seven years ago, with the run-up in the market, these are getting really large. So that's where we start to really see it come into play is high income earners have been saving a lot into their pre-tax accounts, and all of a sudden, it's time to pull out of those. You can be forced into this.   Speaker 1: Gotcha. Yeah.   Nick: A couple other areas I would say too is if there's a situation where for whatever reason there's one spouse and a married filing jointly situation where one spouse is still working, other spouse is retired, and we've seen people, especially if they do it before they come and speak with us where they look and see like, "Oh, I should only pay the one 70 a month for part B," and not realizing that there is this test and the retired spouse goes on Medicare instead of going on their spouse that's still working's plan, health plan and not realizing that the income is going to take them over the threshold and they're going to pay more on part B than they would have if they were just a part of the plan at the work. And then...   Speaker 1: It's kind of sizable too, right? I mean, you're talking-   Nick: Oh, yeah.   Speaker 1: ... it could be some big chunks of money here.   Nick: Yeah, for sure. I mean, especially if you get to... So single 167 to 200K is almost an additional $300 a month for part B and 57 on part D. So that's another $4,000 a year on an expense aside. Married filing jointly at that same amount, 334 to 400, and we'll see issues like this too, where maybe there's a small business owner or self-employed or maybe them in one or two employees and their premiums, they had been running through the business and they attempted to switch over to Medicare at 65 and/or fed some issues with people almost being, not necessarily forced, but almost forced that way with their policies when they are over the age of 65, if it's a small or a one person individual plan and not realizing that, again, that their premiums are going to be substantially higher than they expected. So it definitely happens more than people realize.   Speaker 1: Yeah. Well, John, you talked about what triggers it, a lot of the times being RMDs, people moving into that. What are some other things that might trigger IRMAA?   John: Yeah. So what we've seen in the past where people run into trouble, and this is where if you listen to our podcast, we always talk about being able to prepare for unexpected events and having a balance. But let's say someone has most of their money in pre-tax and their dream home comes up and they really want to buy it and they got to jump through some hoops to potentially get it. They can afford it, but the majority of the money is in the pre-tax account and they got to pull it out, maybe a down payment or whatever it might be that could put your income up more than you expected. The unforeseen medical expenses where all of a sudden things are going along great, and emergency happens, you need to pull 20, 30 grand out to cover some medical expenses. That happened. I mean, oddly enough, I just had someone I think have to pull out almost 40, 50 grand for dental expenses unexpectedly, which as everyone knows typically not covered by any type of insurance, even if you have dental insurance, it's not covering that-   Speaker 1: Right. Right.   John: ... what you need that for. So things come up, family emergencies. Another scenario I've seen in the past, just trying to give people some examples of things to consider before they make any moves that are permanent. Home sales, let's say if you had a second property, you've been depreciating it and all of a sudden it's like, "Yeah, it's time to sell this," or you're forced to sell it. There could be some pretty large capital gains that would actually put you above these thresholds as well.   Speaker 1: Yeah. So basically it's income generating items, right? That's what's going to trigger it. So I guess the opposite being said, Nick, is that things like Roth IRA withdrawals for example, wouldn't trigger it, right? Because it's tax, it's not against your income.   Nick: Yeah, Roth IRA withdrawals, HSA distributions, income that you might receive from a reverse mortgage and then a life insurance policy loan are all things that could be helpful. One thing I'll say additionally is in line with this and with some of the reasons that will cause this. We've had clients quite a bunch recently where they've got substantial non-qualified money, so non-retirement money and they're looking to get a new home and/or they're in the process of selling their current home, looking at the new home, trying to avoid costs associated with mortgage, et cetera. And instead of selling the holdings, which oftentimes, especially over the last 3, 4, 5 years have substantial gains built in that then have this cascading effect that would impact this and that sort of thing where we've been using essentially what's called a pledge asset line or a line of credit on non-retirement accounts.   So they can take a loan bridge that period of time, get the access to the funds, have to pay interest, but it's non-taxable transaction, and then use that money, do it, wait for the sale of the original property and then just pay back the loan. And that's a perfect example of where with IRMAA where that could be an unforeseen consequence of somebody just maybe doing a traditional way, "Hey, I've got this money here, I'm just going to cash out. Yeah, I'll have to pay taxes." But that's in their case or their thought process, they might prefer that versus having to get a mortgage or paying a bunch of extra fees and expenses associated with the mortgage or having to go through the process of underwriting, et cetera, and this additional impact on IRMAA for a year.   Speaker 1: Gotcha.   Nick: So yeah, it's just one of those things where it's almost like a multiplier effect that falls down and just kind of a snowball going downhill.   Speaker 1: Well, let's talk a few strategies guys as we wrap up this week on ways to maybe avoid or at least lower IRMAA, again, if it's income related. Obviously, John, you talked about the RMDs. Obviously, conversion could be one way to do that, a Roth conversion. Yeah?   John: Yeah. And this goes back to the stressing, making sure that you have a plan in place to adjust to any situation. So what we find is let's say someone retires 62, 64 when we're doing the plan, we can estimate their taxes, what they're going to be now and in the future. And if we see a period where it's like five or six, seven years before RMD age is like, "Hey, we could start doing some Roth conversions here," and what we'll do is we'll estimate how much of a conversion to do to make sure they don't jump up into a higher tax bracket. So what that will do, ultimately, it'll give them a little bit more tax-free income so we don't trigger the IRMAA and then also it will lower their RMD. So IRMAA doesn't get triggered by that. So again, that's a great way to try to avoid any future IRMAA surprises basically.   Speaker 1: Yeah. Yeah. And Nick, what's some other ones besides that? I mean, obviously, that's going to be probably a bigger one for many people, but I mean like tax loss harvesting, things of that nature.   Nick: Yeah. So if you have non-qualified assets and you're working with somebody that manages your account and/or you're handling it yourself, you want to make sure that you're taking advantage of tax loss harvesting in that account. Inevitably, any portfolio is going to have some winners and losers at the end of the year. If you can sell off some of the losers to offset previously recognized gains and/or get yourself some losses on paper to use to offset future gains, that's something that you can absolutely do. The qualified charitable deduction, being able to send money directly from your IRA qualified charitable distribution to reduce your taxable portion of the RMD that you have to take can be a great tool as well.   So you just want to... We always talk about with clients that it's really essential, should we have the time, you really want to have the three buckets of assets to generate income and retirement, those being pre-tax Roth and unqualified assets. And this is kind of a perfect example. I had a conversation with a client earlier, them just wrapping their mind around, hey, a distribution from a non-retirement account doesn't necessarily mean that it's taxable. And oftentimes those are some of the most flexible accounts and could provide quite a bit of a lot of different options on how to take income and reduce some of these hidden expenses like IRMAA.   Speaker 1: Yeah. So, I mean, it's a sneaky one that can get some folks, and again, we want to make sure we're being as efficient as possible with anything, and that's why a good strategy for your situation is important. I mean, these things can exist to affect all of us, but how you handle it, how you work with it, and based on your income and so on and so forth, and how you're pulling money and where you're pulling money and when you're pulling money can go a long way. So it's something worthwhile to make sure you're sitting down and having a conversation about that hidden Medicare penalty, if you will. However, you want to look at it. It's still something that frustrates people.   So if you need some help, get yourself onto the calendar. Don't let it sneak up on you and eat into your income. Reach out to Nick and John and have a chat today at pfgprivatewealth.com, that's pfgprivatewealth.com or call them at 813-286-7776. That's 813-286-7776. Or again, just go to pfgprivatewealth.com, schedule that 15-minute chat, have that 15-minute chat and subscribe to the podcast on whatever app you enjoy using, Apple, Spotify, so on and so forth. Guys, thanks for hanging out and breaking it down. Always appreciate it. We'll see you next time here on Retirement Planning Redefined with John and Nick.  

Gotcha And So Much More With Maurice: Lost Without Japan Ep 121 Lost Without Japan Instagram:  https://www.instagram.com/lostwithoutjapan/  Get CLEAR on Japanese grammar with Maplopo's Verb Pro Masterclass. Stop grumbling, stumbling, and fumbling your way through Japanese... and finally get to sounding confident and intelligent in the language this year. For a limited amount of time, Lost Without Japan listeners save 70% off the full retail price and pay only $60 through December 31st. PLUS get access to Maplopo's private Discord community for support on your verb-related conjugation questions. Head on over to maplopo.com/lost-without-japan and begin your transformation today. Maurice Instagram: @slycelyfe https://www.instagram.com/slycelyfe?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==  Please Consider Kindly Supporting Our Crowd-Funded Show By Supporting Us Through Our Shows Patreon: https://www.patreon.com/posts/paying-for-our-4-109129803?utm_medium=clipboard_copy&utm_source=copyLink&utm_campaign=postshare_creator&utm_content=join_link As always, the link to our shows Google Resource doc can be found at https://docs.google.com/document/d/1WEVbRmvn8jzxOZPDaypl3UAjxbs1OOSWSftFW1BYXpI/edit#

The ground beneath our feet feels shaky right now. Everywhere we turn, headlines scream of violence, deep divisions fracture our communities, and even our families. Apocalyptic predictions circulate wildly, stirring up fear and anxiety. Where can we find solid ground when everything around us trembles?This episode introduces a first way that God took care of His people, as we explore:  "Days of Distinction: How God's Got You in Goshen." God provided safe harbor for His people during chaotic times. Drawing from the biblical account of Goshen—where the Israelites found provision and protection during Egypt's plagues—we discover a spiritual principle that transcends ancient history. Goshen wasn't merely a geographical location; it represents God's pattern of drawing a distinction around His people, saying "I've got you" when the world is in turmoil.When Joseph told his starving family, "You shall live in Goshen and be near me," we can see an example of how God positions provision before crisis hits. This pattern continues throughout Scripture and into our lives today. While the world fixates on shortages and collapse, believers can rest in the promise that God "will meet all your needs according to the riches of His glory in Christ Jesus." More than stockpiling supplies or retreating in fear, what our world desperately needs are faith-filled voices testifying to God's faithfulness. Like Joseph, we're called not to hoard God's provision but to extend it generously to others.Ready to experience God's distinction in your life? Join us for this journey and discover how to "Seek Him Speak Him"—first encountering God personally through His Word, then sharing His truth with those around you. When you feel surrounded by chaos, remember you're actually surrounded by the God of heaven's armies, who still provides for His people today.______________________The Family Disciple Me ministry exists to catalyze devotion driven discipleship in our homes and around the world. We believe that discipleship starts with a conversation, and FDM provides free, easily-accessible, biblical resources to encourage these meaningful conversations along life's way. Sign up through our website to be "the first to know" about upcoming releases and resources (including the FDM App - coming soon!!!) You can also follow Family Disciple Me on social media. Family Disciple Me is a 501(c)(3) nonprofit ministry, and all donations are tax deductible. More information, blogs, statement of faith and contact info can be found at familydiscipleme.org

It's my first in a series on people pleasing! We're looking at it from all angles, starting with people-pleasing at work. We do it to stay safe, even to get ahead in our careers—but it's actually sabotaging our success! The problem is, half the time, we don't even know we're doing it, and the other half, we've people pleased before we even have a chance to think about what we're saying (soooo frustrating)! In this episode, executive coach, TED Talk speaker, and founder of Encourage Coaching, Katie O'Malley, joins me to talk about how we overcome the traumatized thinking that keeps us in people-pleaser mode, so we can set boundaries and take our power back. Looking for more episodes on people-pleasing? Try epi 87, epi 86, or epi 30. For more on boundary setting, try epi 10, epi 46, or epi 61.Want to work with Remy? Go ⁠⁠here.Find us on:Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠Email: patraumaparty@gmail.comThe contents of this podcast are provided for informational purposes only. None of the material presented is intended to be a substitute for psychotherapy, counseling, professional medical advice, diagnosis, or treatment. If you need to speak with a professional, you can find one local to you and reach out directly, or, in the US, you can call 988 to connect with the Suicide & Crisis Hotline.

In the origin story of Michael Myers, the slasher killer from the legendary Halloween series of horror films, young Michael sees his sister….. Wait, what? Oh, this is Dennis the Menace? In which a little slingshot punk from the 1950s rides around on a tricycle in 1993 and torments an innocent old man? And you're telling me it's not about Michael Myers, it was just directed by the man who originally played Michael Myers in John Carpenter's Halloween (Nick “The Shape” Castle)? Gotcha. I see where the confusion started. Unregardless, here is our long-awaited discussion of the 1993 Dennis the Menace starring Walter Mathau as Mr. Wilson and Christopher Lloyd as a hobo killer who rides the rails and skins children alive, even though we never get to actually see that. And this was written and produced by John Hughes, during his “Let's just do Home Alone again and again and again” period. Laci loves it, Matt does not, so this is the two-hour therapy session that results.   Next week: Our October Extravaganza begins with Interview with the Vampire (1994)!    Bonus video: Matt and Laci reveal their blindspots from the IMBD Top 250 movies of all time list - https://youtube.com/shorts/_wTbG4t4NEo    Out now on the Patreon: Matt, Wade, and Patrick dive deep into Nickelodeon's Doug, discussing its history and reviewing the episodes “Doug Can't Dance” and “Doug's Garage Band.” https://bit.ly/3KdBuvg    Time stamps: 00:03:15 — We read this week's Dennis the Menace newspaper comics 00:11:08 — Opening thoughts on Dennis the Menace (the movie) 00:17:30 — History segment: The Dennis the Menace comic strip created by Hank Ketcham and its long afterlife; the 1950s Dennis the Menace sitcom; the production of the 1993 movie and John Hughes's pivot to cranking out family movies with very similar premises 00:39:45 — Movie discussion 02:00:20 — Final thoughts and star ratings   Source: "Dennis the Menace and ADHD" by Matthew Smith | Psychology Today (2018) - https://bit.ly/4niObDH   Artwork by Laci Roth.   Music by Rural Route Nine. Listen to their album The Joy of Averages on Spotify (https://bit.ly/48WBtUa), Apple Music (https://bit.ly/3Q6kOVC), or YouTube (https://bit.ly/3MbU6tC).   Songs by Rural Route Nine in this episode: “Your Ambition” - https://youtu.be/ZHudVTCkrQY “Winston-Salem” - https://youtu.be/-acMutUf8IM “Snake Drama” - https://youtu.be/xrzz8_2Mqkg “The Bible Towers of Bluebonnet” - https://youtu.be/k7wlxTGGEIQ    Follow the show!  Twitter: @LoadBearingPod | @MattStokes9 | @LRothConcepts Instagram: @loadbearingbeams TikTok: @load.bearing.beams | @mattstokes9 Letterboxd: @loadbearinglaci | @mattstokes9 Bluesky: @loadbearingbeams.bsky.social  

Have you ever experienced Scripture leaping off the page and speaking directly to your life? While camping in Crested Butte with my family, God highlighted Exodus 8:22-23 in a way that changed everything for me. As morning sunlight danced across the pond near our campsite, these ancient words about God making a "distinction" between His people and others pierced straight to my heart.The Hebrew word for "distinction" actually means "redemption" – revealing that God wasn't just separating His people from plagues but marking them for something profound. This revelation came during a week when our world was commemorating 9/11 and reeling from the attempted assassination of Charlie Kirk. Amid such chaos and darkness, God whispered assurance: "I've got you in Goshen."The story of God's people in Goshen isn't merely ancient history – it's a living parable for believers today. In our current landscape of fear, division, and uncertainty, God continues to make a distinction, setting apart those who belong to Him. This brings tremendous hope! Even when darkness seems overwhelming, God's people were not overcome then, and they will not be overcome now.Over the next seven episodes, we'll journey through this powerful theme, exploring God's provision, protection, purpose, prayer, preparation, and power as demonstrated in Goshen and relevant to our lives today. Whether you're a long-time follower of Christ or someone curious about what it means to have a relationship with God, these conversations are for you.We don't have to navigate these challenging times alone. God is working in and through us, creating these "Days of Distinction." Join us as we discover together how God has you in your own Goshen. Subscribe now and be encouraged as we seek Him and speak His truth into the lives of those entrusted to us.______________________The Family Disciple Me ministry exists to catalyze devotion driven discipleship in our homes and around the world. We believe that discipleship starts with a conversation, and FDM provides free, easily-accessible, biblical resources to encourage these meaningful conversations along life's way. Sign up through our website to be "the first to know" about upcoming releases and resources (including the FDM App - coming soon!!!) You can also follow Family Disciple Me on social media. Family Disciple Me is a 501(c)(3) nonprofit ministry, and all donations are tax deductible. More information, blogs, statement of faith and contact info can be found at familydiscipleme.org

Hey there! It's Michael here — and welcome back to another Happy English Sunday Speak. Every Sunday, I'll be here with a quick one-point tip to help you speak English more naturally.One thing you need to know how to do in English is to communicate that you understood what someone said. Like if someone gives you directions on the street. You could say, Oh ok, I understand. And sure, that's correct English — but it can sound a little formal or stiff in everyday conversation. In everyday, English conversation, we use the compact form of I understand, gotcha. Gotcha is the short and quick version of “I got what you said.” “I gah-twa-cha-said” “gotcha!Like, your friend says, “Let's meet at 7 instead of 6.” You can just reply, “Gotcha.”Or your coworker says, “Don't forget to send that email before lunch.” You can answer, “Gotcha.”Or if someone gives you directions — “Turn left at the bank and then right at the station.” — you can simply say, “turn left, and then right. Gotcha.”It's short, it's casual, and it sounds super natural. So next time instead of “I understand,” try saying “Gotcha.”So what do you think of these Sunday Speak podcasts? Leave a comment below!Join my Podcast Learner's Study Group here: https://learn.myhappyenglish.com/plsgVisit my website for over 3,000 free English lessons: https://www.myhappyenglish.com/My AI English Tutor is HERE 

Edward Burke, historian at UCD and author of Ulster's Lost Counties, joined Newstalk Breakfast to argue why Gotcha” claims about Heather Humphreys' husband and his alleged ties to the Orange Order has no place in modern Ireland. And to ask if the Humphreys apologise for their historical connections with the Orange tradition?”

Dr. Len Tau, aka the Reviews Doctor, is on the podcast. With Kiera, he goes into the most critical nuts and bolts of making sure your practice stands out (or at least keeps pace with) online reviews amid AI. He explains jargon terms like ranking power and factors and velocity of reviews, whether or not you should actually be responding to reviews of your practice, and a ton more. Visit SuperchargeYourDentalPractice.com and enter the code RAVING to save $100 on registration for Dr. Tau's annual conference. About Dr. Tau Dr. Len Tau thrives on helping practices maximize their online reputation, marketing, and social media strategies. As a speaker, Len is known for his lively and engaging presentations packed with ready-to-use strategies. He regularly travels the country sharing his marketing brilliance and passion for practice growth with audiences. As a consultant, he offers practice leaders with real-world solutions tailored to fit their specific challenges and opportunities. Len loves to help doctors and their teams understand and implement successful online systems to build their practice. He currently serves as general manager of the Dental for Birdeye Reputation Marketing Software. Selected as one of Philadelphia's Top Dentists by Philadelphia Magazine, he continues to experience growth year after year in his fee-for-service practice focusing on general, cosmetic, reconstructive and implant dentistry. Following his father into the dental profession, Len graduated from Tufts University School of Dental Medicine and continues to pursue ongoing continuing education opportunities. He has had the privilege of serving patients for two decades. He is an active member of numerous professional organizations including the American Dental Association, the Pennsylvania Dental Association, the Academy of General Dentistry, the Eastern Dental Society, the Northeast Philadelphia Dental Implant Study Club, and the American Academy of Clear Aligners. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Kiera Dent (00:00) Hello, Dental Team listeners. This is Kiera and today I am so excited. This is one of my dear friends. We've known each other for several years in the industry. I'm super freaking pumped. I'm going actually be at his event next year in September. Little teaser. Stay tuned. He's got an amazing event he does every year in September. I have Dr. Len Tau. He is one of my faves. He is better known ⁓ as an authority in the dental consulting world, reputation marketing, and a practice growth. He's recognized by dentistry today as a top dental consultant for eight straight years.   He is the author of Raving Patients and 100 plus tips to 105 star reviews in a hundred days. Like this man knows how to do it. He's one of my faves. We really do collaborate on so many fun things. After 20 plus years in clinical practice, he now helps dentists nationwide, increase revenue, case acceptance and visibility. He leads the dental vision at BirdEye, hosts the Raving Patients podcast and runs the Supercharger Dental Practice Conference, which is the one I was alluding to that we're gonna be at next year in September, empowering practices to thrive in today's competitive landscape.   He's truly one of my faves. And today we're gonna dig into like, how do you get online reviews? But Len, welcome. I'm so happy to have you on the podcast. How are you today?   Dr. Len Tau (01:06) I'm good, thanks for having me, I'm excited to be here.   Kiera Dent (01:08) Of course. And this just came about because Len like, let's just do a little teaser. You're prepping full like steam ahead right now for your event that's coming up in September in Florida. ⁓ I love like the last time you and I were on the podcast, we talked about you in clinical dentistry. And then we reconnected after some time and you've left the chair, you're living your best life and you full blown gone into the event space. So just like, I know we're gonna get into like online reviews and how AI is changing that it's going to be just a really, really fun episode today. But tell us a little bit like   How is it going from like full blown dentist in the chair to now full blown events, like running these awesome events that we're super excited to be a part. Just kind of give me a little insight to that.   Dr. Len Tau (01:46) Well, it's been, it's been a lot of, a lot of fun. It's been very different, obviously, you know, for 23 years, I practiced dentistry, um, for about 12 of those, 13 of those who was full time. And then I went part time in 2017 until I sold and retired in 2022. Um, but one of the things I've grew up on in dentistry was going to dental events and, the big, the ones, the small ones, you know, all over the country and as a dentist first, and then as a vendor.   Kiera Dent (02:08) Mm-hmm.   Dr. Len Tau (02:15) Um, since 2013 or 14, so a long time in the space. know, one of the things that really hit me was that the events are not really put on very well. They're not, um, you know, whether you, if you're a dentist, there's issues when you're a vendor, there's issues. And I said, you know what? I want to change the game. And, um, one of my goals when I retired from dentistry was to start putting on events. So in 2023, um, in, in September, we did an event in Delray had 208.   Kiera Dent (02:25) Right.   Dr. Len Tau (02:44) Dennis there, 33 sponsors. was, first day was business, second day was marketing. Excuse me. First day was marketing. Second day was business. Had a 13, 14 speakers. It went off better than I could ever imagined. I then moved to the last year in 2024 to Scottsdale. And we were at the Scott Resort and Spa, which is a beautiful hotel and the event was good. It wasn't great. Definitely moving to different coasts.   I felt there was not as much, know, engagement, excitement about the event. So I, my family and my wife and I decided, Hey, we're going to do this. Let's have people come down to me. I live in beautiful, you know, part of Florida. we're having this year's event and the next three of them at super at, ⁓ at pure 66, a brand new hotel, ⁓ in Fort Lauderdale. It's literally half hour from my house, five miles from the airport, easy to get to. So this year event is September 26th and 27th.   Kiera Dent (03:32) Bye.   you   No.   Mm-hmm.   Dr. Len Tau (03:45) We've got 14 speakers, ⁓ mixture of business and marketing. So we've got people talking about social media, about content. We have people talking about saving money on taxes. We're talking about how to become a fee-for-service practice. ⁓ So a lot of different great content and top speakers, Steve Rasner, Paul Goodman, ⁓ Jeff Buski, ⁓ Richard, Rich Maddow. So some real, real heavy hitters. And then some people who people haven't really heard of, Melanie Diesel, who's new in the dental industry.   So, but I like to do it differently and my events are very high end. You come, you're going to see things you probably have never seen before. I give a ton of time to the vendors so the vendors love me because they make sure that they get integration or interaction with the attendees. So you're going to be speaking in 2026, same weekend at September 25th and 26th in 2026, same hotel, pure 66.   Kiera Dent (04:28) Sure.   Yeah.   Dr. Len Tau (04:40) We're ramping things up right now. We're literally a month out from the events. still have people signing up. I still have people wanting to reach out as sponsors. And it's, it's, it's, is the fun time for me. Cause when I'm done, I'm, you know, I get a couple of months of break and then I start promoting 2027 again. So ⁓ it's been a good time. I really enjoy it. And I find that I've kind of ⁓ created something that's very different and the attendees really enjoy it and the vendors really enjoy it. So if I can make everybody happy,   Kiera Dent (04:45) No.   Dr. Len Tau (05:09) That's all I'm looking to do here.   Kiera Dent (05:11) ⁓ and Len, I hope the audience, if they can't see it, they can hear it. I think it's so fun because I mean, I've seen you in different spaces in your career, in your life. And there is just this like giddy, like younger version of Len that I feel is emerging of like, it's like giddy boyhood, like excitement of I'm excited to put these on. I'm excited to do these events. And it just makes me so happy for you. And what I think I'm hearing is yes, attendees are happy. Vendors are happy. But I also hear that Len is very happy and to do something   in dentistry is just very, very fun. It's very exciting. And so we're jazzed. I'm really excited. I love good events. I love great time. I love to help. love business marketing. Everybody can take that. That's not Kiera's jam. Like I, that's why I wanted to bring you on. You guys are very good at marketing. You're very good at that space. but to talk about how to help people have their best lives to grow the practices that they want to grow. I think you and I are so synergistic in that. So we're super excited and I love, I mean, I'm not going to highlight the fact that there were   a couple of sixes in that is September 26 at Pier 66. You guys hopefully like, I like the alliteration. Don't put anything weird on it guys, but I do appreciate that you made it easier. September six and nines flipped upside down are a six. Like hopefully everybody can remember September 26, Pier 66. It'll be a good time in 2026. I mean, we got four lines, so we're okay. We've at least got four sixes, not we didn't end on three, but I really hope an exciting step. We'll make sure we put some info for people.   For this year and for next year, I think it'll be a fun time. Dental A Team will be there, so come hang out with us. ⁓ Len, I'm super excited. I will not spoil secrets, but a lot of the things he told me for the events, I will say he does put his heart and soul into it. So Len, excited about that. Thank you for sharing. Good luck for this year. We're gonna be rooting you on this year and next year. And now let's pivot. Let's go into like your jam. You're in BirdEye, you're in marketing, you're on online reviews. AI has come into the scene. Practices are changing.   I also will say, I hope everybody listens to you of their like succession story. You hung up the hand piece, but you are still full steam ahead in dentistry. And so I hope people see that like there is no path to dentistry. Like you just, it's a, it's a beautiful world that you're in. So let's talk though, online reviews, AI, how is this working? How do we make sure that practices are still being visible? Chat GPT is on, on the prowl.   There are clients signing up with us now that have found us on chat. GPT, which is so random. It's changing how people have been doing things. Walk me through. What are you seeing with these online reviews? The importance, how to bring AI in? Like, let's just kind of go in a rift on how practices can still be visible with AIs. Like just showing up to the scene.   Dr. Len Tau (07:43) So I wanna talk about chat CPT for a second. ⁓ I refer to it as my best friend. ⁓ It helps me edit. No, I haven't named it yet. No, I haven't named it. ⁓ you have?   Kiera Dent (07:50) Have you named it? I've got to just ask Len. Have you named? I have! Me and Chet,   I had a name and now her name is Wanda. I don't know why, I don't even know where Wanda came, but people are like, here, are you hanging out with Wanda again? Cause I agree. Like they're our best friends. So go on Len. I can't wait to hear what you name your Chet GPT cause mine is currently Wanda.   Dr. Len Tau (08:06) I'll have to, I   have to name it now that I have to think of something. ⁓ but no, I started using it. I'm like, this is really helpful and it's only gotten better. And, just to give you an idea is, ⁓ my wife and I, and my son, my son just graduated high school. He's literally just started his freshman year at, university of Florida on a free ride. ⁓ smart, smart ass kid. I'm very proud of him. But, you know, and I travel a ton, but I travel a ton for business and I made a commitment. I think I told you that,   Kiera Dent (08:25) Boo? Yeah.   Dr. Len Tau (08:35) during the summer when he was going away for school, I was not going to travel. So from March to literally next week, beginning of September, I haven't traveled at all for business. we did plan some really great travel for our personal lives. And one of the things we did was we had a cruise, a 17 day cruise to Europe. ⁓ And when I decided I did not want to do the excursions to the cruise, cause they're really expensive and you're with all these people. I prefer to kind of just go and tour myself.   Kiera Dent (08:44) It's awesome.   Dr. Len Tau (09:05) So I use ChatGPT in every city. And I said, I'm going to the city. This is what I'm going to get in. This is the cruise I'm going on. It got the cruise itinerary. And I said, I want to set up private tours in every city with different people. And it helped me pick the best tour guides. They referred me to a website called Tours by Local, which is an amazing website that you can meet people who are local that will take you around.   show you the city and it was amazing. It was amazing. So I thank Chachi PT for doing that because I wouldn't have known about half these things if I didn't do it. And in fact, one of the women, and actually the very first place you went to, which was in Split, Croatia, which was beautiful. I told her that literally that's kind of how I went down this road was I asked Chachi PT, what should I do in Split? And they said, you need to use this tour guide. She's the highest rated tour guide and has the best reviews on tours by local. like,   What's towards by local? And that started this whole thing. So she was, she was amazed to hear that. So, ⁓ I have been using Chad GPT for a long time, like I said, and even now it is people I know type in, know, get me to the best dentists in the area. And it's very much based on reviews. So you have to be a highly rated practice. you may not believe in reviews and if you do, think you're not smart, but you know, if, if you want to be at the forefront of where people are looking,   Kiera Dent (09:58) Yeah.   Yes.   Dr. Len Tau (10:25) You have to generate reviews in a significant amount. Velocity now, which is how often you're getting them, is one of the biggest ranking factors on Google, whether you want to believe chat GPT or not. ⁓ But you have to get reviews. You can't, you know, rest on your laurels and say, well, I have enough because you never have enough. Okay. And, ⁓ and you've got to let Google rank you high. And there's been a big discrepancy in the industry, a big, I don't want to say a misunderstanding.   Kiera Dent (10:43) read.   Dr. Len Tau (10:52) But I've been in the review space now since 2013, so 12 years. And in the past, dentists thought that if they get reviews, they're going to rank. And that's not the way it is anymore. If you have reviews, but don't pay attention to the other ranking factors, you actually don't rank well. And that's a problem. So, chat GPT AI is so important, but you still got to dominate Google. You still got to get to the top of the pages.   And that's really where the direction is going. and if you aren't there now and you are ignoring it, you're never going to get there. So I would love to talk to you about our list in instruct or educate the listeners and viewers of these ranking factors that they need, need to pay attention to, or they're going to be left behind when it comes to ranking on Google.   Kiera Dent (11:27) Yeah.   absolutely. And I'm excited for this too, because, I did notice that you've got to like, AI is just crawling the web. That's where it's getting, it's being taught. It's crawls it. It looks through all of it. And so agreed with you. have a lot of clients and like, we want the secret pill of marketing. And I might get your reviews up. Like it is constant and consistent that if you get those reviews up and you bring pieces to the table, that people literally like that's what's going to rank you higher. So I'm excited, Len to, to dig in deeper because it is like how   getting more reviews, but to hear that there's more beyond just the reviews really can help these offices like get the best bang for their buck, help more practices. And I'm like, it used to be when I first started consulting when I used to tell offices get to like 100 Google reviews. It is now I'm pushing people like five, six, 700 reviews that you need to be getting ranked into. And I don't know if you're seeing like a cutoff line or if it matters on that. So I'm really excited to dive into like, what are the rankings? What are the pieces? Is there a difference? But I'm like now   100 reviews, when I look at somebody I'm like, hmm, like if there's another dental practice that has maybe 400, 500 new clients come on, the first thing I do is I go look them up to see how many reviews do you have? And I'm shocked at how many dental practices actually are not showing up when I Google their names and they're like, no, no, care, we're here. And I'm like, but if I'm a prospective new client that doesn't work in your practice and I don't see you all the time and I just tried to find you and I'm looking for you.   How many patients who are not looking for you are not finding you as well. So yeah, take us away, and I'm super curious, very intrigued by this. It's fascinating. And I'll also say, because AI is new, feel like people got like a reset slate. Like, hey, you can actually get back into the game if you haven't been into the game, if you just start playing now. If you don't, I agree with you. I do think that you will unfortunately get obliterated without trying if you don't get into the game now.   Dr. Len Tau (13:28) 100 % so and I couldn't agree with you more. So the best thing to do here is if you're listening to this, I want you to go to a Google search and I want you to type your practice name in. Okay, so that's the first thing to do. Right.   Kiera Dent (13:39) and not in your office. Don't do it in   your office. Go somewhere else. Like try it somewhere else.   Dr. Len Tau (13:44) Right, well, and 100%, that's another thing is that if you're gonna look up your ranking specifically, you do not wanna do that from your office location, okay? Because you're not gonna get real results. You also wanna go into incognito mode or private browsing mode on your phone or your computer if you're doing that to check ranking. But this is not specifically about ranking. This is more about how you appear online. So go to Google and type in your practice name. Not your name unless it's the name of the practice, but your business name, okay?   Kiera Dent (13:52) Yes.   Mm-hmm.   Dr. Len Tau (14:13) and it doesn't have to be what's registered with the state board. It's how you, when you answer the phone, what you say, okay? Pennsylvania Center for Dental Excellence was my practice name, okay? So you wanna look yourself up. So these are some of the ranking factors that Google looks at. Obviously one of them is your total number of reviews you have. Definitely a ranking factor, but the total number has not been as important as some other factors as well. So.   Kiera Dent (14:20) Mm-hmm.   Dr. Len Tau (14:40) Average number of reviews in the industry right now is about 350. It used to be like 100 was the golden number. Now 350 is the average in the industry. So are you average? Are you below average or are above average? Okay, that's something to look at. The second ranking factor, which is even more important is the velocity of reviews. So how many reviews, how often you're getting them. Okay, so if you're getting once every two weeks, not enough. If you're getting them once every week,   Kiera Dent (14:46) Yes.   Dr. Len Tau (15:10) Not enough. You don't need them every single day, but two or three every single week is ideal. Okay, because you think two or three every week gives you eight to 15 a month times 12 months is 100 reviews a year, which is a nice number. Okay, so you have to have that velocity. All right. Third ranking factor is the total score, your average number of stars. So   I would like you to be anywhere from 4.6 to five stars. Okay. I don't think you have to be only five stars. think there's a negativity related to that. If you're only five star reviews, but I also don't want you to below 4.5. Okay. ⁓ And if you're at 4.3, 4.2, or even 4.1, another better review or two, and you're to be in the threes. And that's really where you don't want to go. Cause you lose a huge percentage of patients who may come in if you're less than four stars. Okay. Another ranking factor.   is the primary category. So how do you know your primary category? If you look under your Google, your name, will say right where the stars is, will say, hopefully dentist in your town or dentist in your county or dentist in your city. Okay. So your primary category should be dentist because we're a dental practice. Okay. If you're an oral surgeon, you may want it to be oral and actual facial surgeon. If you're an endodontist, want it to say endodontist. You don't want it to say dentist if you're a specialist. Okay.   ⁓ That's a big ranking factor and I'll give you an example. I, ⁓ my wife had some plastic surgery over the last couple of years and we were referred to that doctor. So we didn't need to search for him. We were referred to him. went in, we liked him, we used his services. ⁓ And of course, being a plastic surgeon, I talked to him about reviews. He now uses BirdEye, but he had me speak in an event that he holds down here in Boca Raton.   And I talked about this exactly. And I asked everybody, cause it was a small group. What is your primary category? And he goes, he said to me, literally, he says, I'm listed as a nurse practitioner. He wasn't listed as a plastic surgeon. He was listed as a nurse practitioner. So his categories were all messed up. So when you actually typed in plastic surgeon near me, he never showed up because his category was wrong. So primary category is a very important ranking factor as well. Now you also have to make sure your secondary categories are also. ⁓   Kiera Dent (17:15) No.   Dr. Len Tau (17:35) ⁓ under ⁓ are there as well as under the proper categories. So secondary categories, if you're a dentist, dental clinic, teeth whitening services, denture care center, orthodontist, if you're doing aligners, if you're endo, you're doing root canals, you can have endodontist. If you do periodontist, can do periodontist. You want to make sure you have nine secondary categories. Okay, if you don't have them, you want to add them.   Now, how do you add them? It's very easy. You go to Google using ChatGPT or anything and say, how do I add secondary categories to my Google business listing? Okay. It will tell you exactly like a recipe how to do it. You need to add those secondary categories. All right. And if you want help doing it, you can always reach out to me. The last ranking factor, which is really important is making sure that the practices name, address, and phone number is consistent. Okay. So just to be clear, most   website companies do not do local SEO. They do website SEO, which is making sure the website is SEOed so the website ranks higher on the organic rankings. We're talking about getting the Google business page ranking higher, which the website companies are not focused on. So when it comes to the name, address and phone number, is it consistent? You have to be consistent. And this is a Google requirement.   It is not a patient thing. It's not a me thing or you thing. It's a Google requirement that this data is consistent. So the name is obviously important. So if you have the and or the ampersand, you may find things inconsistent. When it comes to the address, if you have, you know, South State Streets, Unit 510, you can have South or S, you can have Street or ST, and then you can have Suite, Unit, Number, or STE.   All these variations need to be consistent. So one of them has to be done and one and stuck with. And then if you are using a tracking number for whatever reason on your Google business listing, you may find your inconsistent there as well. So when you make everything consistent and you get a higher velocity of reviews, guess what happens over time? You rank higher on the maps. And when you rank higher on the maps, you get more visible for patients to find you. So that's where the secret sauce is. And   Not that this is a sales pitch about BirdEye, but that's exactly what BirdEye does. BirdEye does those. We check all those boxes for you. And then what ends up happening is a practices get more reviews. But more importantly, when they ask patients how they find them, they're going to see that they found them because of their ranking online and the reviews drove them to the practice. So that's how this whole thing plays a role in getting a practice more visible and credible.   Kiera Dent (20:06) Thank   Wow. So I was over here like taking a lot of notes, which I really loved. I love the number, the 350 at the average, the velocity, like three to five per week you were saying. It doesn't need to be an everyday, but I do agree like them consistently coming through the total score, the 4.6 to five primary category, secondary category, making sure we have nine. And then you were talking about like the practice name, phone number, all of that has to be consistent. So the addresses have to be the same. And that's going to help you rank higher.   Did I miss anything? Those are my notes, Len. And I'm just curious, like, did I catch them all? Because there was a lot of pieces to consider. And then I have some follow ups as well. So like, did I miss anything in that list?   Dr. Len Tau (21:02) No, I   think you got it all there.   Kiera Dent (21:06) Okay, so hopefully that was a good recap for everybody. If you were listening, I tried to like summarize everything he said, because I really feel that those are super valuable pieces to know. Now, Len, there's a couple of things that happen and I'm very curious of what you've seen. Maybe you know, maybe you don't know. It's just a riff for me genuinely curious over here. Does it impact for the business to respond to the reviews? Because I know there was like a big misnomer out there like for a while, like you have to respond to every single review that helps you rank higher. What's the   What's kind of the lay of the land right now responding to the reviews that come in?   Dr. Len Tau (21:39) So there's been a big push over the years to respond to reviews. And there's also been those naysayers who don't want you to respond to reviews. So I want to make this very clear. When you respond to a review and you acknowledge them as a patient, you are technically violating HIPAA. Okay. Now by the letter of the law, if you do that, you violated HIPAA and can be in trouble. Now in all the years I've been doing this, I've only seen one   Kiera Dent (21:49) Mm-hmm.   Dr. Len Tau (22:08) example of a positive review being responded to and the dentist got in trouble. Okay. So if someone writes a review for you and it's five stars and you say, thank you so much for your feedback. We were glad you had a great experience in our practice. Okay. You technically violated HIPAA there because you acknowledged that they came into the practice. I don't think you'll ever run into any problems with that. I don't, I've never seen any instance when a, when a practice has got into trouble. But again, by the letter of the law, it's a violation.   Here's where the person ran into a problem. Okay. So the review in question, the patient wrote, I'm so happy with my appearance after I went to so-and-so's dental office. I think they were in Texas. The dentist responded, we're so happy that you, thank you so much for your review. We're so happy that you loved our magic needles. Okay. So it, from what I understand is the patient had Botox or   dermal fillers placed and that's what they call their magic needles. So the patient wrote, wrote a letter to the practice saying, I didn't appreciate you letting the world know that I had Botox done and asked for the review response to be taken down, which the dentist immediately did. Took it down and apologized, but it really pissed the patient off and the patient sued the dentist and won. Okay. Because the dentist went out of their way to   Kiera Dent (23:08) Mm-hmm.   Right.   Dr. Len Tau (23:33) you know, release private information that wasn't supposed to be done. So in that case, you shouldn't be doing that. Okay. Now on the same note, I would be very careful responding.   Kiera Dent (23:37) Mm-hmm.   Dr. Len Tau (23:45) to a review that's left by a negative, a negative review that's written by a patient. I would be very careful responding publicly to that because it's very hard to respond without violating HIPAA. So a simple response like, we're sorry to hear about your experience. Please contact the office to discuss the concerns as we're unfortunately unable to comment due to HIPAA release privacy stuff. That's fine. But.   Again, I just not sure it's the best thing to do. So you have to be careful with negative reviews. What it doesn't do is we really haven't found any relationship between responding and ranking. Okay, so you have to, I always leave it up to the people to respond. I like using AI to respond as well, because I think it comes up with HIPAA compliant and really good responses. ⁓ But you have to decide what you want to do for your own practice.   Kiera Dent (24:16) Mm-hmm.   Interesting.   That's actually really helpful to know. ⁓ Okay, good feedback for people to ponder and decide what they want to do on. The second piece is   some people lose their Google My Business and they're not able to be found. ⁓ And I don't know if you have reasons why. I don't know if it's from like a name change or it's inconsistent. So like a lot of offices have a lot of reviews, but when you go to search them, they're hidden on Google My Business. Like it will show up on the person's side, but nobody externally can find it. Do you have any ideas of like what causes that or what offices can do if they're struggling with that?   Dr. Len Tau (25:11) So I want to clarify that what question you asked there. I'm sorry to ask a question when you asked the question was when you say that you're saying that when they search for their Google business listing, they can't find it or when someone is searching for the office, they're not visible on the maps.   Kiera Dent (25:15) Hey, that's okay.   So when they're searching, so if I just go into Google and I type in like my perfect smile, the website might link, but the Google My Business with all, and they might have like 150 Google reviews, like it might be, like they've got them all and the office can see it when they like log in as like, this is, you own this, but they've lost it and it's no longer visible publicly. Do you know what causes that or how they can get that back? It's okay if you don't, I'm just genuinely curious. Cause I know some offices struggle with this, especially with like name changes of practices.   going through different ownerships. ⁓ Some of them have told me it's like when I changed the name of my practice, it no longer showed up. Like we have all these reviews, but we're not showing up. Do you know what causes that or how practices can get back being visible?   Dr. Len Tau (26:02) Yep. Now that you   asked it that way, so that usually means that your Google business listing has been suspended. And if you can't find it on search, but you see it, means it's suspended in most cases. Name changes, address changes, other things you do can cause it to be suspended. There are, if you look up on use chat GPT, ⁓   and say, why is, why can your Google business page be suspended? There is a list of different reasons why it can get suspended. ⁓ if you're getting reviews the wrong way is a big one. So, like you should not be incentivizing for reviews. And I'm talking about incentivizing the patients. You shouldn't be getting reviews in your physical office space because there's IP address conflicts and location services on the patient's phone. So if you're doing that, not only will you can potentially lose reviews, but you can't get it suspended, but you can look on.   Kiera Dent (26:37) Mm-hmm.   Dr. Len Tau (26:55) on chat GPT or Google and just say, what are the reasons that your business page can be suspended? And they're there. So usually you have to ⁓ re-approve it or re-verify that page. And there's certain things you do. You'll have to take a video of yourself in front of the practice, showing the address, showing the name of the business on the door. So there's things you will have to do to get it over to Google. So they'll re-verify you. And then once it happens, there's a good chance they'll unsuspend the listing. But that happens for that reason.   Kiera Dent (27:24) Gotcha. Okay. That's super helpful because I know a few offices have struggled with that. So was just curious for that. All right. This has been so helpful to figure out rankings. It's been helpful to understand. ⁓ My last question as we wrap up today on reviews has been so helpful, Len, is how do offices go about like, what are your recommendations? Yes, bird eye, swell, podium. Like there's a lot of review in Weave. I do, I usually recommend using an external one outside of things. think that they like, if they're just, if that's what they do, they're going to be experts at it.   But how can offices ethically and appropriately, like obviously great patient experience, but how do they increase these Google reviews? What are some of the best tactics you've seen to help these offices out?   Dr. Len Tau (28:04) So being biased, I mean, I'm a true believer in BirdEye because we help with the reviews and the ranking part. ⁓ Swell, which is a great product. know the guys who swell really well. A lot of their doctors don't rank well because they don't focus on the listings part of it or the ranking part of it. ⁓ I'm not a fan of Wee from a review perspective because they swell BirdEye and Podium, make it very easy. Weave doesn't. It's just the way we do it with our three other products. ⁓   I always say this, you can get reviews any way you want. The most effective is gonna be use some software, simple as that. But it all starts with the practice and it all starts with, I like to create a reputation culture in the practice, which means you know that every time a patient comes in the practice, that they're going to be evaluating you and reviewing you potentially. And you've gotta be on your best behavior, you've gotta put a happy smile on your face, you gotta treat them like they're the...   Kiera Dent (28:40) Mm-hmm.   Dr. Len Tau (29:00) king of the world, okay? You gotta roll out the red carpet. And if you don't do that, they may write a bad review, okay? But if you don't create that reputation culture, I think it's gonna be hard to get the practice to really accelerate the reviews. So creating that reputation culture using great verbiage skills. I love calling it feedback, not a review. If you call it a review, it sounds like you're begging for it. ⁓ The feedback conversation is much more comfortable to have. So, you know, it's an interesting situation, but if you don't ask, you don't get.   So you've got to ask. I think if you ask and you combine it with a really good software, you'll get a really good number of reviews. If you don't ask, you don't get. It's that simple.   Kiera Dent (29:30) Mm-hmm.   Yeah.   ⁓ well, that was so great. I appreciate this so much. And it's fun to hear about how AI is helping. It's fun to hear about how you still have to be great on Google. So ⁓ I just appreciate you. I appreciate you being here. I appreciate the knowledge you shared. appreciate for offices. I hope they take action and Len any last thoughts, how people can connect with you if they want more help on this. know ⁓ like truly in my opinion, this is the simplest marketing. Everybody wants to like sexy magic pill of marketing. And I'm like, no, it's like really great experience. Ask for the reviews, ask for the feedback.   like rank so that way people can find you I've had offices that had like three four or five new patients and they're like I need this marketing I need all these things which I'm not here to say not to do it but I will say great reviews will boost you very quickly so Len any last thoughts you've got how people can connect with you because it's been truly just an incredible episode today   Dr. Len Tau (30:26) So ⁓ I'm around the country a lot. So you can always connect with me in person if I'm at some of these events. If you wanna come to Supercharge, you can connect me there. SuperchargeYourDentalPractice.com You can use the code RAVING to save $100 on registration. ⁓ We also have some scholarships available. So if you do wanna come, you can reach out to me personally. So ⁓ my cell phone's all over the internet. The easiest way, if you have any questions, you want advice, you want help, I'm the guy to reach out to. My phone number is 215.   Kiera Dent (30:40) Awesome.   Dr. Len Tau (30:55) 292-2100. And my best email is Len, L-E-N, at drlentau.com, which is D-R-L-E-N-T-A-U.com. And you can email me, you can text me, you can call me, tell me you heard about me here and you need some advice. I'm more than happy to offer it to you. I do it all the time. ⁓ I love when people reach out to me because they know I'm an expert. So I do it kind of as a favor to people. ⁓ But no, you reach out to me, I'm happy to give advice.   Kiera Dent (31:23) amazing. Len, thank you so much for being on the podcast. I'm super excited for Supercharge 2025 and especially 2026. So everybody snag that. And truly, I hope you take action from today's podcast. This is easy ways for you to boost your marketing, be found and seen online. And Len, thank you for joining me today. I truly, truly appreciate you.   Dr. Len Tau (31:41) Thank you for having me, Kiera, I appreciate it.   Kiera Dent (31:43) Of course. And for all of you listening, thank you for listening and I'll catch you next time on the Dental A Team Podcast.  

You wanna sound more natural in English? I'm on it. You want me to teach that kind of lesson? Yeah, will do. You need my help to speak better? Gotcha. Today, that's what we're all about here!In real conversation, we use more relaxed, casual phrases — and they're often shorter and more natural-sounding.  So today, I want to show you some of those everyday expressions that native speakers use instead of formal grammar. You'll sound more fluent — and you'll feel more confident, too.Join my Podcast Learner's Study Group here: https://learn.myhappyenglish.com/plsgVisit my website for over 3,000 free English lessons: https://www.myhappyenglish.com/My AI English Tutor is here

Mens Room Question: How did you get the thing you got?

Mens Room Question: How did you get the thing you got?

Young Chihiro spends his days training under his famous swordsmith father. One day he hopes to become a great sword-maker himself. The goofy father and the serious son--they thought these days would last forever. But suddenly, tragedy strikes. A dark day soaked in blood. Chihiro and his blade now live only for revenge. Epic sword battle action!Support The Podcast!⁠⁠⁠⁠⁠⁠⁠⁠⁠https://creators.spotify.com/pod/show/roose366/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow For More Content &Streams!Science Podcast: ⁠⁠⁠https://open.spotify.com/show/5nFXe9dPeWrMpyObyAlrnF?si=7358d1cf32cb45b7⁠⁠⁠Youtube Gaming: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@RooseJp/videos⁠⁠⁠⁠⁠⁠⁠⁠⁠Tiktok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@podcastonanime⁠

Hour 2: Mark Vientos had high expectations coming into the season, he has massively disappointed, but he's gotten hot lately, can he keep it up? BT LOVES what Aaron Glenn said in the media on Tuesday when challenged. BT celebrates National Radio Day with 3RQ.

A reporter tried to back Aaron Glenn into a corner, and the Jets new HC was ready for it. BT loves the response.

This episode, we welcome estate planning attorney Bill McQueen of Legacy Protection Lawyers to break down the essentials of trusts and why they matter. Bill explains the key differences between wills and trusts, clears up common misconceptions, and highlights the importance of properly titling assets to avoid probate. You'll also learn why beneficiary designations can override your trust, the pitfalls of leaving your trust unfunded, and how working with both financial advisors and attorneys ensures your plan truly carries out your wishes.   Learn more about Bill and Legacy Protection Lawyers Contact info: www.legacyprotectionlawyers.com Phone 727-471-5868   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.     Marc: Time once again for another edition of Retirement Planning - Redefined with John and Nick from PFG Private Wealth. We're continuing our conversation, our great conversation, with the folks from Legacy Protection Lawyers. Nicole Cleland was on the podcast, and Bill McQueen is going to be joining us now on this episode as we talk a little bit more in-depth about what they do, and some of the differences when it comes to getting these financial and legal documents into place. As always, Nick's here with me. Nick, my friend, how are you doing?   Nick: Doing great. How about yourself?   Marc: Doing pretty good. We had John on the last episode, so good to have you here with us, and Bill McQueen is joining us. So Bill, welcome in. Thanks for being here.   Bill: It's my pleasure. Thank you all for having me.   Marc: Absolutely. Looking forward to chatting with you. And again, you guys are from Legacy Protection Lawyers, and you can find you guys online at LegacyProtectionLawyers.com. That's LegacyProtectionLawyers.com. Give us a little background on you, Bill. You've been doing this for how long, and all that good stuff. Tell us a little bit about you first.   Bill: Certainly. Well, I've actually been an attorney for almost 40 years, but I sort of had a circuitous professional career. I was a CPA for my first few years out of undergrad and then I went back to law school, practiced law for about seven years, but then I actually ran a family business. My father died when I was getting out of law school, so I took over a family business and ran that for about 15 years, and then came back to the practice of law about 15 years ago now, after I got a Master's of Law in Estate Planning, and so that's where my full focus has been over the last 15 years or so.   Marc: Nice. Gotcha. Yeah, I mean, so obviously you've been doing this for a while, and you guys work with Nick and John, occasionally helping them out with some of their client situations as well?   Bill: Yes, yes. We work closely with Nick and John and they help our clients out with financial planning and wealth management, and we help out in the estate planning arena when his clients need that.   Marc: Nice. Nick, how long have you guys known each other?   Nick: Bill, when you said 15 years, I was thinking about that, so I think it's got to be close to 10 years, something like that? Around 10 years?   Bill: Been at least that, because I started the firm back up in, I guess, 2013, so too soon after that. I met you through your other former partner and we started doing seminars and stuff together.   Nick: Sure [inaudible 00:02:11]   Marc: We all lose time in that COVID era, right? It seems like everybody always does that. We're thinking about time and we're like, "Oh, man, there's like a three, four-year window I've lost when trying to think of some things." Well, let's get into our conversation today.   When Nicole was on, we kind of left off, Bill, where she was talking a lot about probate. She went through a lot of great topics and kind of broke some stuff down for us, needing an estate plan, what makes an effective estate plan, things of that nature. We kind of wrapped up a little bit on the probate conversation, and then we started to get into trusts, and she said you were the man when it comes to talking about trusts, so we thought we'd kind of kick things off there. So, tell us a little about what is a trust and just kind what some of the, I guess, misnomers that come with that conversation, or with that word.   Bill: Sure. Well, actually, technically or legally, a trust is actually a relationship where legal title of the assets are held by one individual or an entity for the benefit of somebody else. But I tell people, "The easiest way to think of a trust is more analogize it to like creating a corporation or a limited liability company." Again, technically it's not an entity. We typically use trusts so that, as Nicole mentioned, I'm sure during the episodes that she was on with you, a last will and testament only controls where assets that are titled in somebody's individual name go.   But in order to get those assets to the desired beneficiaries after the owner dies, we have to go through the court system to do that. And so many, if not most, of our clients instead use a substitute for a will, which is a trust, or a revocable trust, which allows us to take assets that are in somebody's individual or joint name and retitle them into this trust while they're alive so that when they die, the trust is basically still alive and it can direct where the assets go, but we don't have to get the courts involved, which obviously saves a lot of money, time, and keeps everything private.   Marc: Yeah, I think that's a big piece for people too is the difference when going through probate ... And I was telling Nicole, she said she was going to steal this from me and use it, and I said, "Hey, go ahead." But I was like, I was always taught that a will just means you will go through probate, and she's like, "Oh, I like that." And obviously that's public record, whereas if you do a trust, you can kind of keep those things private from creditors and things of that nature, correct?   Bill: Yes. Oftentimes people think, "Well, I have a will, so because I have a will, I'll avoid probate," and that's not the case. It's all how the assets are titled. So, if they have a will, they're executing their privilege to sort of personalize their estate plan where assets go. Otherwise, if they have something in their individual name and they don't have a will, then Florida law basically gives them a will and says where the assets will go. But in either instance, we got to go through the court system.   With a trust, we don't, and the trust definitely does remain private, so we do not have to posit a trust instrument if things are done correctly with the court system, as we do with a will. When somebody dies, by law, at least here in Florida, whoever has their original will or comes across it is required to posit it with the court in the county where they were residing at the time of their death, and at that time it becomes a public document. So, anybody, be that the nosy neighbor or the newspapers, reporters or whoever, could go down to the courthouse and read your will, see where you're leaving your assets, maybe who you're not leaving assets to, and even get some sense of what your assets are. That's not the case when we use a revocable trust. All of that remains private.   Nick: And just for clarity, for most of the people listening, the terminology, and correct me if I'm wrong, Bill. But the most popular or frequently used sorts of trusts are either living trusts or revocable trusts, which oftentimes are the jargon or the terminology goes hand-in-hand with each other, just from the standpoint of sometimes we've had clients confused between the difference of the two, or if there is a difference between those.   Bill: Right. That's right, Nick. Actually, when we talk about trusts, there can be trusts that are revocable trust, also revocable trust, I guess potato, potato, but a trust that's revocable, which also sometimes is called a living trust or even a living revocable trust. But then there can be trusts that are irrevocable, and those are much more often used for more advanced planning type techniques, be that asset protection or estate tax minimization, or planning for nursing home care in the future, Medicaid planning.   But when most people talk about, "Oh, I have a trust as part of my estate plan," we're talking about a revocable trust. And so like a will, when somebody creates a revocable trust, they keep a lot of control over that, and they have the ability to amend the trust document at any point in time in the future. So, if they like their son-in-law today, but maybe they don't like their son-in-law somewhere down in the future, they can change the trust and take the son-in-law out. They can even revoke the trust in its entirety if they want to, and if that were to happen, the assets would come back into their individual or joint name. So, when we're typically talking about estate planning, we're talking about a revocable trust, which again is just really a substitute for a last will and testament, because it's going to direct where the assets go once you die.   When you have a revocable trust, sort of to give a little more clarity on it, typically, when someone sets up a revocable trust, the person who creates the trust serves as the trustee of the trust while they're alive. And the role of trustee is sort of similar to being the president of the corporation, if we're thinking of it like an entity, so that trustee has the authority to deal with those assets in the trust. What the trust says is that while the person who created the trust is alive, they can do anything they want with the assets in that trust, so they can consume them, they can give them away, they can put other assets in the trust, they can make loans or sell assets, just like they could if they were in their individual name.   But then the trust goes on to say, "If the person becomes incapacitated or they die, here's what happens to the assets now," and that's when we put the same types of terms that we would normally put it in their will into that trust document. And so, the fact that when they die, they don't have any assets in their individual name, hopefully they're all in this trust, or they have beneficiary designations that put them into the trust, then those assets will go to where they want them to go, but we don't have to get the court system involved again.   Marc: Gotcha. Yeah, when you started talking about that, I was going to ask you, sometimes people ... For folks who don't deal in this world, or very often, we hear about being the executor of an estate, right? Is that different when you're kind of in charge of the trust? Are those terms interchangeable, or is that different?   Bill: No, good question. The executor is the common name for who would administer a probate estate or be in charge of a probate estate if you had a will and the assets were going through the court system. Here in Florida, we call that role something else, but it's the exact same thing as an executor. We call it the personal representative of the estate.   A trustee is similar to that role of executor, but the trustee is in charge of assets that are in the trust or owned by the trust, and so they're not assets going through the probate. So, both the trustee of a trust-based plan does pretty much the same types of things when someone dies as the executor or personal representative of a estate would have to do, a probate estate, if we're using a will. And what I mean by that is, your revocable trust is responsible for paying any and all valid creditors that the deceased individual might've had at the time of their death, just like what happens with a probate system. And the trustee is also responsible to make sure that the deceased individual's, all of their tax returns have been filed and taxes have been paid, things of that nature. So, they do a lot of the same sorts of things like an executor.   But again, they're handling that initial administration outside of the court system, and so we can start right away. We're not waiting for a court to appoint the person as trustee. In fact, on the day the individual who created the trust dies, we could appoint the successor trustee on that day even, because again, we don't have to get the court involved, and we can start paying creditors and making sure all the tax returns are filed and taxes are paid, and we're not waiting on the court system to handle all this. So, things go a lot quicker and smoother from that standpoint.   Marc: Gotcha. Okay. Do you set up beneficiaries kind of the same way you would do with other things, and I guess you're putting all the different assets under the trust umbrella, and then you have beneficiaries for individual items? Or is it like an overview in the trust, if that makes sense?   Bill: I mean, what happens is, again, it sort of could mimic what's in somebody's will if they're using a will.   Marc: Okay. Gotcha.   Bill: But what happened would be ideally, we're either going to put all the assets into the trust during the person's lifetime, or there's some assets we can't put into a trust. They have to stay in the individual's name during their lifetime. The most common one for that would be retirement accounts. IRAs or 401k plans have to stay in the individual name of the owner or the participant under the plan up until their death, but we can direct those assets by a beneficiary designation into the trust once the individual dies, so we avoid the probate process by doing that.   Marc: Gotcha.   Bill: We may very well name individual beneficiaries, and occasionally, there might be specific assets that people want to leave to certain individuals, and so we would put those specific provisions in the trust document. Maybe they want to leave this house to somebody, their boat or some other piece of real estate or something of that nature. There might also be specific cash gifts they want to make. And then ultimately, we have what is typically referred to as the residuary of the estate, everything else that's left over, where does that go?   We more often use percentages of somebody's estate when we're putting together an estate plan rather than specific assets or specific dollar amounts. And the reason we advise to do that is because whenever we're doing an estate planning, I tell people, "We're taking a photograph or a snapshot of what your life looks like today, what your assets are, what the current law is, who do you want to benefit, things of that nature. But hopefully, we're not going to have to use these instruments until somewhere far out into the future, and we just don't know what your estate might look like when that day comes, your death, that we have to now implement the plan."   And if somebody is making a large gift, let's say today their estate's worth $3 million or something, and they're going to give away $1 million to somebody, and then the rest they want divided among their children. If due to healthcare or other reasons, their estate goes down in value before they die to maybe it's only $1,000,001 when they die, that individual's still going to get the million dollars, and then their children are only going to split $100,000 versus the $2 million that they thought they were going to split when they put the plan in place. If instead they use percentages rather than specific dollar amounts, then it doesn't matter as much whether their estate goes up in value or goes down in value. At least regarding the relative size of the gifts, they'll be the same, and so that's usually an approach we would prefer to take, really, than using specific dollar amounts for gifts within a trust.   Nick: And I'll jump in on that a little bit too.   Bill: Yeah, please.   Nick: Just because oftentimes, from a front line standpoint as an advisor, we're sitting with clients and they're adjusting beneficiaries. So one example of a conversation I've had with a client is, so maybe they have a 401k at a previous company and maybe it's a couple hundred thousand bucks, and they have a beneficiary listed there. And then they have a second 401k that they've had at their current employer for the past few years, and there's less money in there, and so people tend to segment accounts in their minds. And so they'll say, "Well, I'll put this other person on this one, because I have my sister or my brother or ..." on the first one.   Just them not thinking that, "Well, hey, later on in life, things may be consolidated," or you may spend from one account before you spend from another account, and using the percentage kind of strategy tends to be much more effective for people. And just to kind of jump on that beneficiary side of things too, because I know that you guys run into this and we run into it, but I think one of the things worth mentioning is, and you can kind of walk us through it more thoroughly, Bill, is just the conflict between beneficiaries listed on an account and a trust, and how one can supersede the other, because maybe somebody didn't update their beneficiaries or things like that.   Bill: Sure. When somebody dies, how assets can pass are in one of three ways, but one of the ways is by contract law, and those are assets that you can put a beneficiary designation on. And I mentioned earlier, retirement accounts are common accounts that you really need to put a beneficiary designation on. But on a lot of financial accounts, be that a bank account or a savings account or a brokerage account, if somebody wants to, they can hold that account in their individual name, but they can put a beneficiary designation on those that are referred to like a pay on death designation if it's a bank account, or a transfer on death designation if it's a securities or brokerage account. And what that means is that when the owner of that account dies, by contract law, the institution agrees to pay that account to whoever their named beneficiary is. All they have to do is take a death certificate to the institution, and that becomes that beneficiary's account.   The issue that people need to keep in mind, though, is sometimes people put beneficiary designations on assets, and yet let's say they have three children, and then through their will or their trust, they say, "When I die, I want to leave everything equally to my three kids," but for whatever reason, they put a beneficiary designation on an account that named just one of the three children. Legally, that one child will inherit that account, because that's what's going to control that account, that beneficiary designation. And it doesn't matter what their will or trust says, because it will pass outside of going through the probate process, and it also won't go through the trust if it's an account that was in their individual name with a beneficiary designation in favor of one individual.   And so, people need to make sure when they're doing their estate plan that everything lines up and is in alignment, as far as accounts, if they have beneficiary designations on them, that they agree with whatever their trust or will that they're using calls for. Or at least they have an understanding of how that's going to flow. I don't know if that's what you're referring to [inaudible 00:17:13]   Nick: Yeah, yeah, just kind of the uniformity and the importance of, I think, from the extent from how we see things, that a lot of times as an advisor we suggest to a client to get an estate plan done, and then we stand ready, willing, and able to help them implement, like retitling accounts in the name of a trust or updating beneficiaries. But there's instances where not all the accounts are through us or just different things that happen. And so that implementation, that second phase is super important, and I think people do kind of tend to assume that, well, hey, if I have my trust and I've gone through and I've done this process and I've written out exactly what I want to happen in my trust, then all my accounts should just automatically follow those rules. And I think people understanding that that's not the case, that a beneficiary designation on an account can supersede a trust, is super important, especially if it happens to be an ex-spouse or something like that, which is not a great situation. So, I just wanted to bring that up.   Marc: Okay. Yeah, that makes sense. And what we'll do is we'll do one more question here and then we'll wrap this episode up, and that way we keep these at a normal timeframe, and then we'll have Bill back on again for a continuing session to chat some more about this topic. One of the things I was going to ask you when you guys were running through some of this stuff, and I've heard this before from other advisors, that a common mistake is that you go through the time and the effort to get a trust put together, Bill, and then people don't fund the trust. Can you kind of explain what that means?   Bill: Right. Yes. That can be a common problem with a lot of individuals, and not with our clients, but [inaudible 00:18:53] the standpoint that some people think that, okay, I go to my attorney, they create this trust document for me that's going to avoid probate. I sign the agreement and then everything's done. That's not the case.   What happens after you create the trust, you now have to what we call fund it, which means retitle assets out of that person's either individual or joint name into the trust, or add beneficiary designations onto the assets, if they're able to use a beneficiary designation that would be in favor of the trust so that when they die, even though the account is in their individual or joint name, it automatically passes into the trust. If somebody doesn't do that, if they don't fund the trust, if they just sign the instrument, but they don't go out and retitle these various assets, then what's going to happen? They're going to die, at the time of their death, the trust doesn't have anything in it yet.   And when you have a trust-based plan, if it's done right, you're still going to have a last will and testament that we refer to as a pour-over will. That's really there to catch assets that for whatever reason were not put into the trust, or a beneficiary designation was not put on them directing them to the trust at the time of the person's death. So that pour-over will says, "Hey, when Bill dies, if we find anything in his individual name, this will's going to take that asset and pour it over into Bill's trust that will direct where the assets go." But to get that asset or assets out of Bill's name over into that trust, we got to go through the probate process to do it.   Marc: Oh, wow.   Bill: We don't want that to happen, so it's very important that when your trust is put in place, that your attorney and your financial advisors and everybody, that we have all this information. That's why we work very collaboratively with advisors like Nick and John to make sure that we've identified all their assets, and that they are titled into the trust at the time they create the trust, or they get a beneficiary designation on it.   And the way you title those assets into the trust, I tell people the rule of thumb is, if you were going to sell that asset to somebody else, how would you do it? So if it's real estate, we have to do a deed and deed it from that person's individual name into the trust. If it's a interest in a closely-held company like a corporation or an LLC, we have to do an assignment of that interest over to the trust, or a new stock certificate. If it's accounts like that Nick and John are managing, then it's very easy. They go ahead and retitle those accounts from the person's individual name into the trust. But all those steps have to be taken, because otherwise they've got this trust document that ultimately will direct where the assets go after they die, but we're going to have to go through the probate process to get the assets into that, and it sort of defeats one of the primary purposes of having a revocable trust.   Marc: Exactly, so you've got kind of like a shell with not much in it, I suppose.   Bill: Right, exactly.   Marc: Okay. Well, look, so as Bill said, a lot of times they got to work hand-in-hand, so that's the importance of a team and working with financial planners and estate planning attorneys, and so on and so forth. We talked quite a bit about that the last couple episodes. If you need some help, we're going to jump out, we'll come back in with a new episode here in about a week or so, so reach out to John and Nick, or reach out to Bill and Nicole as well. You can find Bill and Nicole at LegacyProtectionLawyers.com. That's LegacyProtectionLawyers.com. They're based out of St. Petersburg, Florida. You can check the show description. We'll have a link down there for you. Or you can also just call 727-471-5868, 727-471-5868.   And of course, if you want to talk with John and Nick, as always, don't forget to subscribe to the podcast and find them online, and all that information is at PFGprivatewealth.com. That's PFGprivatewealth.com. Nick, thanks for being here, my friend, as always, and of course, Bill, thanks for being here and being our special guest. A lot of great information and really did a great job kind of breaking that down for folks.   Bill: Thank you. I enjoyed it.   Marc: Absolutely, so we'll have you back on in about a week or so. We'll talk a little bit more about our four-part series on estate planning with John and Nick on Retirement Planning - Redefined.

It's Murf fuckin' Meyer! Keith and Murf trick you with apparently frivolous thoughts on Superman to help wake you up to the state of the world. Boom! Gotcha! The duo also discusses President Trump overhauling the Smithsonian and history as well as your parents catching your written or drawn “art” as a kid.

Title: Million Dollar Monday - Mike Hoffman Summary: Mike made his first million in real estate during the COVID short-term rental boom, and his last million by flipping outdated vending machine routes into modern micro markets selling unconventional products like shampoo and Tide pods. His next million will likely come from leveraging AI to scale vending and small business operations. He emphasizes the rapid evolution of AI and its ability to replace manual tasks, predicting a near future where AI-powered robots handle everyday chores. Links to Watch and Subscribe: https://youtu.be/1EOavier6ug Bullet Point Highlights: First million: Real estate + COVID timing (short-term rentals) Last million: Vending machines → flipped old routes into micro markets Sold high-ticket items (e.g., $35 shampoo) in vending setups Tech improvements + AI driving down costs, boosting efficiency Next million: Scaling vending/small biz ops with AI tools Believes AI is replacing human roles fast (e.g., virtual assistants) Predicts humanoid AI robots in homes within 5 years Transcript: Seth Bradley (00:00.172) Welcome to Million Dollar Mondays, how to make, keep, and scale a million dollars. Mike is a super successful entrepreneur in the vending machine business and beyond. Tell us, how did you make your first million dollars?   Yeah, Seth, probably actually through real estate and just getting a little bit kind of lucky with timing with COVID and short term rentals and some of that. But yeah, that's probably how I got the first million.   Gotcha. Yeah. Real estate usually plays a role in the everybody's strategy down the line, whether they're in, you know, in that primary business or not, you know, whether they start out there or they end up there, real estate usually plays a part. How'd you make your last million?   Yeah, that's a good question because it's completely different than real estate, but it's actually been vending machines. that's been kind of fun. just, you you talk about product market fit whenever you're an entrepreneur with a business. And that was just kind of the perfect storm right now of traditional vending really kind of being outdated. And we found a product market fit.   with it. Gotcha. Cool. And that was from, was this maybe mostly attributed to kind of buying those routes, those larger routes?   Mike Hoffman (01:14.646) Exactly, yeah, buying old school routes and really kind of flipping them like a house with modern micro markets, charging with different products and what would fit in a vending machine like more of the unorthodox, know, toilet paper and tide pods and things that wouldn't fit in a traditional vending machine. I mean, we'll sell $35 bottles of shampoo in these micro markets. So just kind of go and add it in a different way.   Yeah, and then with the aging population, there's got to be more and more of these things popping up. So there should be more opportunity for people to get involved or for people like yourself to just snag everything, right?   Yeah, think there's no chance I could snag everything, not even just in this town alone that I'm currently in. I mean, machines are getting cheaper, the technology is getting way better with AI. And nowadays, it's not what fits in a vending machine motor. It's okay, what's shelf space? So if it's a bottle of shampoo or a glass Coke, it doesn't matter because it's not just getting thrown down the chute of a traditional machine.   Makes sense, makes sense. Last, how are you planning on making your next million dollars?   I think probably with AI, we're doing a lot of interesting stuff with helping people scale their vending routes that is applicable to any small business. And so I'm really intrigued. Just every time I go down a rabbit hole with some new AI tool, I feel like there's another better one that just came right behind it. So I just think it's kind of that time where you can really get ahead by just learning right now in this kind of wave of AI.   Seth Bradley (02:49.27) Yeah, totally makes sense. mean, people that are not paying attention to AI, whether it's simply using chat GBT instead of Google search are getting left behind quickly because it's just advancing so fast. I can't even imagine what this world's going to look like five years from now, the way that things are moving.   It's crazy. Three years ago when I was working for a tech company selling software to the government, I would have to work with three secretaries to schedule a meeting with the general to sell their software. Now my EA is literally an AI bot and everyone that's scheduling time on my calendar, they don't even know they're talking to a non-human, which is perfect.   Yeah, 100%. I predicted within five years, everybody's going to have a humanoid robot in their home with AI instilled, and they're going to be doing physical things for us at our homes.   I hope so. I hope they can go to Costco, get all our groceries, do our laundry, the dishes.   Yup. Yup. Awesome,   Links from the Show and Guest Info and Links: 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 Mike Hoffman's Links: https://www.instagram.com/mikehoffmannofficial/ https://x.com/mrpassive_?lang=en https://www.linkedin.com/in/mikedhoffmann/ https://www.tiktok.com/@mr.passive https://www.tiktok.com/@sethbradleyesq?lang=en

If you've been enjoying The Independent Advisors podcast for a while now and want to take the next step in your financial journey, I'd encourage you to head to our website, jessupwealthmanagement.com. Matt offers a 15-minute initial call where you can discuss your financial goals and see if JWM is a good fit for your needs. Scheduling is easy—once you land at jessupwealthmanagement.com just click “Schedule Initial Call” and select a time that works best for you!  There's a quick survey to fill out that will help guide the conversation and ensure your time is used efficiently.If you're ready to learn more, visit jessupwealthmanagement.com and book your call today!312 Topics:· July jobs report came in weaker than expected with higher unemployment rate· Historical pattern suggests potential weakness in mid-to-late summer through mid-fall before Q4 rally.· Tariff & Commodity News · Data Center Energy Consumption · Buy Now, Pay Later Trends · Earnings Season Volatility Show Notes:Post on X from Jason Goepfert on 7.31.25 - https://x.com/jasongoepfert/status/1950972585480745304?Post on X from Nautilus Research on 7.7.25 with an update on the 4-year election cycle for the S&P 500 - https://x.com/NautilusCap/status/1942202402414743758 Post on X from Renaissance Macro Research on 7.30.25 - https://x.com/RenMacLLC/status/1950646263969632257 Data Center Energy UsageSource: Zero Hedge X Posthttps://x.com/matthewcjessup/status/1949884142583267793Missed Payments RisingSource: The Kobeissi Letter X Posthttps://x.com/KobeissiLetter/status/1949476483346350323Strong Earnings ReactionsSource: Mike Zaccardi X Post, BOFAhttps://x.com/MikeZaccardi/status/1952349009378431434

Looking for a low-overhead franchise with high profit margins? Wondering how to scale a business fast — even in a pandemic? In this episode of Franchise Envy, I sit down with Jon Schloesser, multi-unit owner of Gotcha Covered, one of the top-rated home services franchises in North America.Jon shares how he and his wife launched their window treatment franchise during the height of COVID — and quickly expanded to three locations across Wisconsin. We cover everything from initial investment costs, commercial vs. residential revenue, to what kind of franchisee fails in this industry.Whether you're researching the best franchises to own in 2025, or you're an aspiring first-time business owner, Jon's brutally honest insights will help you understand what it really takes to succeed.⏱️ TIMESTAMPS – Find What Matters to You Fast:00:00 – Welcome to Franchise Envy01:10 – Meet Jon Schloesser: Gotcha Covered franchisee from Wisconsin02:15 – Why launch during a pandemic? Here's what happened03:40 – How we expanded to 3 locations — fast04:50 – Low-overhead, no-inventory business explained06:20 – The hidden genius behind window covering franchises07:45 – Franchise startup costs & profitability09:30 – Who fails in this business (and why)11:00 – Why ongoing training is crucial for success13:15 – Splitting commercial vs. residential business15:10 – The power of small franchise systems vs. big brands17:30 – Real support from corporate (text the president?)19:00 – Does franchise size really matter?20:40 – One piece of advice for first-time franchise buyers23:00 – Are you a good fit for a franchise?24:15 – Final thoughts & call to action

Title: How to Make Millions with Vending Machines with Mike Hoffman Summary: In this conversation, Seth Bradley and Mike Hoffman delve into the world of vending machines as a business opportunity. Mike shares his journey from a Midwest farm boy to a successful entrepreneur in the vending industry, highlighting the evolution of vending technology and the potential for passive income. They discuss the importance of location, understanding demographics, and the scalability of vending routes. Mike emphasizes the need for upfront work and learning before delegating tasks, while also addressing the misconceptions surrounding passive income in the vending business. In this conversation, Seth Bradley and Mike discuss various aspects of entrepreneurship, particularly in the vending machine business. They explore the importance of capital raising, the journey of self-discovery, influences that shape business decisions, and the definition of success. The dialogue emphasizes the significance of flexibility, discipline, and focus in achieving entrepreneurial goals, while also touching on financial milestones and the attributes that distinguish successful entrepreneurs. Links to Watch and Subscribe:   Bullet Point Highlights: Mike's journey from a classic Midwest farm boy to a successful entrepreneur. The evolution of vending machines from traditional to smart technology. Understanding the importance of location in the vending business. The analogy of baseball levels to describe starting in vending. Scaling up from single A to big leagues in vending routes. The significance of demographics in product selection for vending machines. The potential for passive income with proper systems in place. The need for upfront work before achieving passivity in business. Vending is not a get-rich-quick scheme; it requires dedication. The future opportunities in the vending industry are expanding rapidly. Raising capital can dilute ownership but may be necessary for rapid growth. Self-discovery often leads to unexpected career paths. Influences in business can come from personal experiences rather than just mentors. Success is often defined by the ability to prioritize family and flexibility. Entrepreneurs work harder than in traditional jobs but gain flexibility. Discipline is crucial for saying no to distractions. Successful entrepreneurs often focus on niche markets. High foot traffic locations are ideal for vending machines. AI is transforming business operations and efficiency. Networking and connections can lead to valuable opportunities. Transcript: Seth Bradley, Esq. (00:04.898) Mike, what's going on buddy? Doing great brother, doing great. How about you?   Mike (00:06.748) Don't worry,   Mike (00:11.664) Good, I'm a little flustered. I usually have my mic set up over here, but I guess we just moved and it's not here today. I guess, yeah, new office and it's been a whole hot mess.   Seth Bradley, Esq. (00:19.822) New office or what?   Seth Bradley, Esq. (00:27.862) Nice man, nice. I see you got the whiteboard cranking back there. Love to see that.   Mike (00:33.114) Always. I love your background. That's sweet.   Seth Bradley, Esq. (00:38.03) Thanks man, yeah, I'm on camera all the time so I like I need to just build this out instead of using like a green screen so Made the investment made it happen   Mike (00:44.86) Totally.   Yeah, absolutely.   Seth Bradley, Esq. (00:49.442) Have we met in person or not? I don't know if we've met at a Wealth Without Wall Street event or I couldn't tell. Okay. No, I did not go to Nashville last year.   Mike (00:58.478) I don't think so. don't think you're... Were you in Nashville last year?   Mike (01:04.634) No, okay. No, I don't think we've met in person. Yeah.   Seth Bradley, Esq. (01:08.256) Okay, all good, man. All good. Well, cool. I'll just go over the format real quick. We'll do kind of a shorter recording. We're do like 30 minutes, something like in that range. And then we'll just kind of like break. And then I'll, want to record a couple of other quick segments where I call it Million Dollar Monday. I'm kind of asking you about how you made your first, last and next million. And then 1 % closer, which would just be kind of what separates you, what makes you the   top 1 % in your particular vertical. So we'll just kind of record those separately. Those will be real short, like five minutes or so.   Mike (01:44.924) Okay, yeah, I'll follow your lead. All good.   Seth Bradley, Esq. (01:47.15) Cool. Cool. Let's see. I think I already have this auto recording. So we're already recording. So I'll just jump right in.   Mike (01:55.377) Okay.   Seth Bradley, Esq. (01:57.782) Welcome to Raise the Bar Radio, hosted by yours truly Seth Bradley. We today we've got Mr. Passive, Mike Hoffman. Mike, welcome to the show.   Mike (02:08.189) Thank you for having me fired up to be here.   Seth Bradley, Esq. (02:10.855) Absolutely man, really happy to have you on. I know it's been a little bit of a trek here to get our schedules lined up, but really stoked to have you on today, man. I see you said you moved into a new office. You've got the whiteboard cranking, so love to see it.   Mike (02:25.372) yeah, whiteboards are the only place I can get my thoughts down.   Seth Bradley, Esq. (02:29.399) Yeah, man, it makes a difference when you actually write something rather than type it or even on a mirror board where you're doing it online. just there's something about physically writing something down.   Mike (02:41.328) You know, I'm glad you said that because yesterday I flipped to Seattle for a quick work trip and I didn't have wifi and I literally had three pages of just, I, was so like the clarity of some of these kinds of bigger visions I have now from just being able to write for an hour on a flight was, I was like, man, I gotta do this more often.   Seth Bradley, Esq. (03:00.363) Yeah, for sure. The key though is once you write it down, it just doesn't go into the trash or into a black hole somewhere where you never see it again. So that's kind of the disadvantage there. If you have it on your computer and you're taking notes or you have it on a mirror board, at least it's there to reference all the time. If you write it down on paper, sometimes, I've got my Raze Masters book right here for notes, but it's like, it might go into the abyss and I'll never look at it again. So you gotta be careful about that.   Mike (03:27.184) Yeah, yeah, I need to check out the Miro boards. I've heard a lot of good things about them.   Seth Bradley, Esq. (03:31.467) Yeah, yeah. Awesome, Mike. Well, listen, for our audience who doesn't know anything about you, maybe just tell them, you know, tell them a little bit about your background. Tell them about your your main business and we can take it from there.   Mike (03:43.354) Yeah. So I think for those that don't know about me, I'm a classic Midwest farm boy started with a classic, you know, showing cattle at the county fair and all of that and had a lemonade stand growing up. And then my first job was actually at McDonald's, you know, thinking about the whole success of that business model. But when I was coaching and, out of college, I got my first rental and I was like, wow, this is crazy. making money without.   really much time involved. and then with my work in Silicon Valley, know, Seth, was classic Silicon Valley, you know, cutthroat job that, startup life and traveling three weeks out of the month. And I was on, I was in airports all the time. And was like, these vending machines I would run into at airports were just so archaic. And so I went down this path of like unattended retail and kind of the future of, of that. And that's really where I just see a huge opportunity right now.   And so it's kind of what led me into all these different income streams that I'm passionate about.   Seth Bradley, Esq. (04:49.431) That's awesome, man. Well, let's dive into that a little bit deeper. me about these income streams. It centers around vending machines, right? But I'm sure there's a lot more to it. I'm sure there's a lot of different entry points for people. Maybe just kind of give us a general synopsis to start out.   Mike (05:06.78) Yeah, so I think the big thing with, you know, if we're talking vending specifically as an income stream, you know, most people think of vending as the traditional machines where you enter in a code, you put your card on the machine and then a motor spirals down a Snickers bar or a soda and you go into the chute and grab it.   Nowadays, there's these smart machines that literally you just unlock the door, or even if you go into, land in the Vegas airport right at the bottom of the escalator where it says, welcome to Las Vegas, there's a 7-Eleven with gates and AI cameras, and there's no employees in the 7-Eleven. And it just tracks whatever you grab and to exit the gate, you have to pay for it. So like, there's just this huge market now where we just installed it in urgent care.   less than two months ago and we can do over the counter meds in that machine because it doesn't have to fit into a motor. It's just shelf space. You identify with the planogram with the AI cameras like, okay, Dayquil in this slot or Salad in this slot and then whatever they grab, gets charged to the person that pulls it from it.   Seth Bradley, Esq. (06:15.469) That's interesting, man. Yeah, I mean, my initial thought too, was just like the traditional old vending machine where you're getting a candy bar or a cola out of there. But yeah, nowadays, now that you mentioned that, you see this more and more every single day where you've got these scanners, you've got kind of self-checkout, that sort of thing. So that's kind of, that expands that world and really opens it up to the future, right? Like it just really, that's what we're trying to get to, or at least we think we wanna get there, where we're kind of removing humans and...   kind of working with technologies and things like that.   Mike (06:49.488) Yeah, and I think, you know, removing the whole human thing. mean, those machines still got to get stocked and you know, there's not robots running around doing that. But I just come back to, I was a Marriott guy when I was on the road all the time and I'd go to these grab and goes at a Marriott and grab a, the end of the night, I'd grab like a little wine or an ice cream sandwich. And I literally had to go wait in line at the check-in desk behind three people checking in just to tell them, Hey, put these on.   room charge and I was like if I had a checkout kiosk in that grab-and-go I could have just removed all the friction for this customer experience.   Seth Bradley, Esq. (07:27.772) Right, 100%. Yeah, I mean, there's a place and time for it and there's more and more applications for it that just pop up every single day and you can kind of spot that in your life as you're just kind of moving through, whether you're checking into your hotel or whatever you're doing.   Mike (07:41.456) Yeah, yeah. So that's just kind of what excites me today.   Seth Bradley, Esq. (07:45.973) Yeah, yeah, so when a stranger asks you what you do just in the street, what do you tell them? Because I have a hard time answering that question sometimes too, but I'd love to hear what your answer is.   Mike (07:56.804) Yeah, I would just say it depends on the day. You know, what do you do or what's your, you know, it's like at the golf course when you get paired up with a stranger and they're like, tell me about what you do for your career. And I just say, I'm a classic entrepreneur. And then I'm like, well, what do you do? And it's like, well, tell me about the day. You know, what fire are you putting out? Like today we just got the go ahead for five more urgent cares for our local route. But then, you know, we have a community of operators across the country that we help really build.   Seth Bradley, Esq. (07:57.933) haha   Ha ha ha.   Seth Bradley, Esq. (08:09.879) Yeah. Yeah.   Mike (08:25.616) Vending empires and so we had a group call this morning. So literally, there's a lot of just, you know, it's classic entrepreneurial life. You never know what the day's script is gonna be.   Seth Bradley, Esq. (08:36.161) Yeah, for sure. And you focus a lot on not only on your own business, but also teaching others, right? Teaching others how to kind of break into this business.   Mike (08:45.402) Yeah, that's my passion, Seth. When I got into my first investment out of college was a $70,000 rental, you know, putting 20 % down or 14K and using an emergency fund. like my background in going to college was as a coach. like I knew I wanted to kind of take that mindset of like coaching people, you know, teach them how to fish. I don't want to catch all the fish myself. It's just not fulfilling that way. So that's really where my passion is.   Seth Bradley, Esq. (09:15.373) Gotcha, gotcha. tell me about like, tell me about step one. I mean, how does somebody break into this business? Obviously your own personal business is probably very advanced. There's probably a lot more sophisticated investing strategies at this point and you've got different layers to it. But somebody just kind of starting out that said, hey, this sounds pretty interesting. This vending machine business sounds like it can be passive. How do you recommend that they get started?   Mike (09:40.57) Yeah, so I'm always, I view like the whole vending scale as similar to Major League Baseball. You got your single A all the way up to the big leagues. And if you're just starting out, I always recommend like find a location where you can put a machine and just learn the process. Like to me, that's single A analogy. you know, that always starts with, people want to jump right to like, well, what type of machines do you recommend?   products, how do you price products? And the first question I'll always ask Seth is, well, what location is this machine going in? And they're like, well, I don't know yet. I was just going to buy one and put it in my garage to start. And it's like, no, you need to have the location first. So understanding that, is it a pet hospital? Is it an apartment? Is it a gym? Where is the foot traffic? And then you can cater to what's the best machine for that type of location.   Seth Bradley, Esq. (10:36.887) Got it, got it. Now is this a kind of a rent, you rent the space to place the machine with that particular business or wherever you're gonna place it or how does that all come together?   Mike (10:47.644) not typically, some people are kind of more advanced, like apartment complexes are used to the revenue share model. So they're going to ask for a piece of the pie for sure, for you to put the machine in their lobby. but like, you know, when we're talking urgent carers or even pet hospitals are viewing it as an amenity. And so we probably have, I don't even know how many machines now 75 now, and we, you know, less than half of those actually,   Seth Bradley, Esq. (10:50.423) Okay.   Mike (11:15.1) us rent or ask for a revenue share to have them in there. So I never leave lead with that, but we'll do it if we need to get the location.   Seth Bradley, Esq. (11:23.989) Interesting gotcha. So it's really a value add for wherever you're gonna place it and that's how most people or I guess most businesses would look at that and then you're able to capture that that space   Mike (11:27.366) Mm-hmm.   Mike (11:34.236) Yeah, absolutely. So, um, a great case study is we have a 25 employee roughing business here in Oregon. And you might think like, only 25 employees. It's not going to make that much money. Well, we do $1,200 a month. And the cool thing about this, Seth, is the CEO of this roughing company literally did napkin math on how much it costs for his employees to drive to the gas station during their 20 minute break. And then   How much they're paying for an energy drink at the gas station and then how much gas they're using with the roofing like the work trucks to get to and from the gas station So he's like I want to bring a smart machine into our warehouse Set the prices as half off so that four dollar monster only costs his rofers two dollars and then we invoice him the the business owner every month for the other 50 % and so he actually   Calculated as a cost savings not asking for money to rent the space   Seth Bradley, Esq. (12:35.597) Yeah, gotcha, gotcha. That makes sense. That makes sense. I love the baseball analogy with the single A, double A, triple A, even into the big leagues here. know, a lot of the folks that listen to this are already kind of, you know, in the big leagues or maybe think about some capital behind them. Like how would they be able to jump right in, maybe skip single or double A or would they, or do you even suggest that? Do you suggest that they start, you know, small just to learn and then maybe invest some more capital into it to expand or can they jump right to the big leagues?   Mike (12:48.891) Yeah.   Yeah.   Mike (13:03.966) I think they can jump right to the big leagues. this is, I'm glad you brought this up because just listening to some of your episodes from the past, there's no doubt that you have people that could buy a route like a off biz buy sell today. And I think this is a prime opportunity. it's very similar to flipping a house. you, you know, there's a route in Chicago, I think it was for $1.1 million, you know, whatever negotiating terms or seller financing or, or what have you, got a lot of, your, your   audience that is experts in that. But the cool thing about these routes is they have the old school machines that have the motors and that are limited to, this type of machine, you can only fit a 12 ounce cannon. Well, guess what? The minute you buy that route, you swap out that machine with one of these micro markets or smart machines. Now you just went from selling a 12 ounce soda for $1.25 to now a 16 ounce monster for $4.50.   Well, you just bought that location based on its current revenue numbers and by swapping out that machine, you're going to two or three acts your revenue just at that location. And so it's truly just like a value play, a value upgrade, like flipping the house of, okay, there's a lot of deals right now of these routes being sold by baby boomers where it's like, they got the old school Pepsi machine. Doesn't have a credit card reader on it. They can't track inventory remotely via their cell phones. So   They're not keeping it stocked. Like all those types of things can really play in your favor as a buyer that just wants to get to the big leagues right away.   Seth Bradley, Esq. (14:37.651) I love that. When you say buy a route, what are you really buying? Tell me about the contractual agreement behind that. What are you really buying there?   Mike (14:47.184) You're just buying the locations and the equipment associated with it. So like this Chicago route, it's like, we have machines in 75 properties all across the Chicago suburbs. And they could be medical clinics. could be apartments. could be employee break rooms at businesses, but that's when you start diving into those locations. It's like, I have a snack machine and a soda machine here. Well, you swap that out with a micro market that now instead of.   Seth Bradley, Esq. (14:49.279) Okay. Okay.   Mike (15:13.626) that machine that'll only hold a small bag of Doritos that you charge two bucks, well now you get the movie size theater bags that you can really put in there in a micro market. Like naturally just that valuation of that route based on those 75 machines current revenue, I mean you're gonna be able to two or three X your revenue right by just swapping out those machines.   Seth Bradley, Esq. (15:35.959) Wow, yeah, I love that analogy with real estate, right? It's just like a value add. It's like, how can I bring in more income from what already exists? Well, I need to upgrade or I need to put in some capital improvements, whatever you want to call it. Here's the vending machine upgrades or a different kind of system in there. And you get more income. And obviously that business in itself is going to be worth more in a higher multiple.   Mike (15:58.396) Absolutely. mean, a great example of this is we had a machine in an apartment complex and it was your traditional machine with the motors and you have to enter in the code. Well, we could only put in four 12 ounce drinks and then chips. Well, we swapped that out with a micro market. Well, now that micro market, we literally put in bags of Tide Pods for laundry, like these big bags of Tide Pods. We'll sell those like hotcakes for 15 bucks. And our old machine,   Seth Bradley, Esq. (16:25.281) Yeah, let's say those aren't cheap.   Mike (16:27.246) Yeah, our old machine Seth, it would take us to get to 15 bucks, we'd have to sell eight Snickers. That's one transaction.   Seth Bradley, Esq. (16:33.547) Right, right. Yeah, yeah. How do you do an analysis kind of based on like what you think is gonna sell there, right? Like you're replacing, let's say a Dorito machine with Tide Pods, you know? So you have to individually go to each location and figure out what will work, what will sell.   Mike (16:47.738) Yeah.   Mike (16:51.834) It's all about demographic. Absolutely. So, you know, we have, we have, we have a micro market and a manufacturing plant that's, it's a pumpkin farm and there's a ton of Hispanic workers. So we do a lot of like spicy foods, a lot of spicy chips. do, we do a ton of, mean, the sugar or sorry, the glass bottle cokes. They do, they love their pastries.   Seth Bradley, Esq. (16:53.431) Yeah.   Seth Bradley, Esq. (17:06.349) Yeah.   Mike (17:15.868) So we just doubled down on the demographics. So yesterday I was filming at one of our micro markets that's in a gym and they crushed the Fairlife protein shakes, like the more modern protein shakes, but they won't touch muscle milk. So we're literally taking out one row of muscle milk just to add an extra row of Fairlife shakes. So you're constantly just catering to the demographics and what's selling.   Seth Bradley, Esq. (17:40.632) Yeah, yeah, this is awesome. I mean, this is literally just like real estate, right? Like you go and you find a good market. You're talking about demographics, right? Find the market, see what they want, see how much you can upgrade, how you can upgrade. If it's an apartment, it's a unit. If it's here, it's the product that you're selling and the type of machine, or maybe it's a mini market. A lot of things to kind of tie your understanding to here.   Mike (17:45.926) Yeah.   Mike (18:05.904) Yeah, absolutely.   Seth Bradley, Esq. (18:07.615) Yeah, awesome, man. Awesome, Where are you at in your business? Like what, you know, what are the big leagues looking like right now? You know, what are you doing to expand your business, raising the bar in your business?   Mike (18:18.692) Yeah, I'm going after that's a really good question. I'm going after kind of these newer markets and we're kind of past that point of like, okay, let's pilot in this location. For example, that urgent care, we didn't know if it was going to be a good location two months ago when we installed. Well now it's already crushing it. Well, there's six other urgent cares in town and we just got to go ahead on five of those six. So like for me, it's doubling down on our current proof points of where.   okay, we know that manufacturing plant, the pumpkin farm does really well. So let's start getting intros to all their, manufacturers of the products they need to grow pumpkin. know, like we're just doubling down on scaling because now we have the operational blueprint to really just kind of to go after it.   Seth Bradley, Esq. (19:03.917) Gotcha, gotcha. Tell me about how passive this can really be, right? So I used to have, before we switched over to the new brand, Raise the Bar podcast, it was the Passive Income Attorney podcast, right? I was really focused on passive investments, focused on bringing in passive investors into my real estate deals, things like that. And I think that word passive gets thrown around quite a bit, right? And sometimes it's abused because people get into things that are not truly passive.   Mike (19:18.427) Yeah.   Mike (19:28.784) Mm-hmm.   Seth Bradley, Esq. (19:33.517) What's your take on that as it relates to the vending business?   Mike (19:38.49) Yeah, so I think as far as with the vending business, there's clearly upfront leg work that needs to be done, whether that's finding locations or any of those things. So I have a route that is here in Oregon, and then we bought a route last year in Illinois and have scaled that route. I spend 30 minutes a week on each route now. that these urgent cares and stuff, like we have an operator that's running the whole route.   Here's the problem, Seth. It's like people are so scared to build systems to ultimately systemize things or they're too cheap to hire help. And I'm the opposite. like, you know, kind of like Dan Martell's buy back your time. Like I have like a leverage calculator and like I constantly think about is this worth my time? Cause as you know, you're busier than me. Like it's so limited.   for me, my routes, I would consider them passive, like one hour a week is, is nothing in my mind. But as far as like, you know, I'm, I'm also a passive investor on, we're building a, an oil loop station in Florida and I sent my money a year ago to, to my, active investor and I haven't talked to him since. Like that's actually truly probably passive now, you know, I'm not doing anything, but there's, there's different levels to that. And I'm a huge believer like.   don't delegate something until you know what you're delegating. So people that want to start with the vending routes, sure, if you want to buy a route that already has an operator, that's one thing. but these, if you're starting a vending route for your kid or for your stay at home wife or whatever, as a side hustle, like get in the weeds and install that first machine. So when you hire help to take over the route, you know what you're delegating.   Seth Bradley, Esq. (21:09.773) Mm-hmm.   Seth Bradley, Esq. (21:27.021) Yeah, that's key. That's key. And you you described just like any other business, right? I think that's kind of where people get themselves into trouble. That sometimes they get sold the dream that is truly passive. And eventually it can be. I mean, you're talking about an hour a week. To me, that's pretty damn passive, right? But you know, upfront, you you've got to learn the business. You've got to know what you're getting yourself into. Like you said, you've got to learn before you delegate so that you know what you're delegating.   There is going to be some upfront work and then as you're able to kind of delegate and learn Then you can make it more and more passive as you go   Mike (22:00.88) Yeah, I mean, it's no different than what's the same when people tell you that they're busy. I mean, you're just not a priority. Like that's a fact. you're not. People say it's the same thing when people come to me and they're like, I'm so busy. It's like, okay, well let me, let me see your schedule. Where are you spending your time? You know, it's like when people are like, I can't lose weight. Okay, well let me see your food log. What did you eat yesterday? Did you have ice cream? Like this is like the same kind of thing. That's where passive I think has been really abused.   Seth Bradley, Esq. (22:16.097) Yeah. Yep.   Mike (22:29.638) To me, the bigger issue is like, vending is not get rich quick. And so like, if you're expecting to leave your nine to five tomorrow and vending is going to make up for that in one day, like that's not going to   Seth Bradley, Esq. (22:41.089) Right, Makes sense. Speaking of passive, do you raise capital or do you have any kind of a fund or have you put together a fund for something like this?   Mike (22:51.48) We haven't put together a fun, we're definitely buying routes is definitely becoming more and more intriguing. And I know there's some PE players starting to get into the vending game, but it's something we've been definitely considering and on our radar of do we want to.   Seth Bradley, Esq. (22:58.541) Mm-hmm.   Seth Bradley, Esq. (23:10.231) Gotcha. Cool. I mean, you brought in money partners for some of those routes yet, or is that still something you're exploring too?   Mike (23:18.168) No, I think it's just something we're thinking about. mean, what do you recommend?   Seth Bradley, Esq. (23:21.089) Yeah. Yeah. Well, I'd recommend I mean, it depends, right? Like I'm I'm scared to turn you by trade, but I don't like to say you should always raise capital no matter what. Right. Like you've been able to scale your business as you have and grown it to where it is without bringing outside capital. It sounds which is great because you own 100 percent or with whatever business partners you might have. You know, when you start raising capital, you're giving a large chunk of that piece away, not necessarily your whole company. But if you're buying   you know, a set of routes or that sort of thing. You you're gonna give a big piece away to those past investors if you're starting a fund or even if it's up. Even a single asset syndication here for one of these, you know, these routes, you could put it together that way. You know, it's just something to consider. But a lot of times when people are looking to scale fast, right, if they wanna grow exponentially, you've gotta use other people's money to get there or hit the lottery.   Mike (24:08.294) Mm.   Mike (24:15.856) Absolutely, no, agree. That's spot-on and I actually before you know the Silicon Valley company That I was part of we had a we went through probably series a B C D C ground   Let's just say we weren't very fiscally responsible. So I come from the, you know, it's like the ex-girlfriend example. I don't want to just start taking everyone's money.   Seth Bradley, Esq. (24:42.413) Yeah, yeah, that tends to happen with some startups, right? Like before you get funding, you're super frugal because it's your money and every single dollar counts. And you're like, I don't want to pay, you if it's software, you don't want to pay the software engineers. I'm going to out, you know, put it, you know, hire Indian engineers, that sort of thing. And then once you get a few million bucks that you raised in that seed round, then it just goes and you're like, whoa, wait a minute, let's hire 20 people. You know, it's you got to be careful about that.   Mike (25:05.606) Yeah   Yeah, yeah, that's a great, great take on it.   Seth Bradley, Esq. (25:11.245) Yeah, it's, yeah. It's a question I love to ask and I think it's about time for that. So, in a parallel universe, tell me about a different version of you. So a different but likely version, right? Like, for example, for me, I went to med school for a year and a half and then I dropped out and I ended up becoming an attorney. So that was like a big turning point, right? So I could have easily at some point just said screw it and became a doctor and that would have been a totally different route than I'm going down right now.   What's an example of something like that for you?   Mike (25:42.524) Wait, are you being serious about that? I took the MCAT too. I got into med school and then I, yeah, I was pretty mad in school. And then the more I learned about exercise science, I was like, organic chemistry is not fun.   Seth Bradley, Esq. (25:44.321) Yeah, totally.   yeah? There you go.   Seth Bradley, Esq. (25:57.39) It is not fun. I did not love that. I majored in exercise physiology and then I ended up switching to biology because it was just a little bit of an easier route to get my degree and go into med school and I went for a year and a half and then I dropped out because I absolutely hated it. I knew I didn't want to do it. I was just more attracted to business and that sort of thing.   Mike (26:16.346) Yeah, that's crazy. That's awesome. parallel universe. I, that's a really good question. I don't know. I, kinda, I have two kids under three and the other side of me wishes I would have traveled more.   you know, I mean, we'll get there hopefully when they get out of high school and someday. But right now I just think there's so many different cultural things and ways to skin the cat. And it's just fascinating to learn some of those things.   Mike (26:55.352) yourself in those cultures.   go to different cultures and really like understand how they did things for a time, a period of time to really just learn their thinking.   Seth Bradley, Esq. (27:07.777) Yeah, I love that man. I had a similar experience of what you're describing. I didn't travel abroad really other than like, you know, Canada and Mexico until I studied abroad in Barcelona during law school and I got to stay there for a couple of months. So you actually had some time. It wasn't like you're just visiting for a week or a weekend or anything like that. You got to kind of live there right for a couple of months and it just totally changed my, you know, my outlook on life and just the way that you see things like I feel like we're in the US and we just think   Mike (27:19.627) Seth Bradley, Esq. (27:37.76) US is number one and there's only one way to do things the way that we do things that kind of attitude. And then when you go to Western Europe and you see that culture and you drive or get on a train, it's like an hour away and you're in a totally different culture and they're doing it a certain way as well and it's working. You just see that other people are doing things differently and still being successful at it, still having a thriving culture and it's just awesome to see.   Mike (28:03.312) Yeah, absolutely.   Seth Bradley, Esq. (28:06.251) Yeah. Tell me about some major influences in your life. What turned you or got you into that, the vending business? It's not one of those typical things. mean, I know you're in the education business, so you're kind of really spreading the word about this type of business. But I would say when you started, there might not have been a mastermind or educational courses around this. mean, how did you kind of get drawn into that? Were there any particular people or influences that brought you in?   Mike (28:29.308) you   Mike (28:36.188) Yeah. So the, biggest influence for me to get into vending, uh, wasn't actually a person. It was actually, was, um, I had landed, I was coming back from the Pentagon from a trip back to the Bay for the startup we were talking about. And I was in the Denver airport and 11 PM, you know, our flight was delayed. And then they're like, Hey, you have to stay in the airport tonight. The pilot went over their hours for the day, blah, blah, blah. So I went to a vending machine and I remember buying a bottle of water.   I think it costs like at the time three bucks or something. I knew that bottle of water cost 20 cents at Costco. And I was like, there is someone that's at home with their kids right now making money off me and they're not even at this mission. Like the machine is doing the work. So I had like an aha moment of like, what are my true priorities in life? And like, why am I chasing this cutthroat startup from.   Palo Alto and trying to make it when reality was my priorities are freedom to spend more time with my family. So that's really kind of what led me into this path of starting a vending machine side hustle to keep our lifestyle as we had kids. We wanted to have a nanny and we wanted to be able to still go on dates and things like that as a couple with my wife. So that's really kind of my family and just like...   having the freedom to do things. Like that's what I'm really passionate about.   Seth Bradley, Esq. (29:59.084) Yeah. Yeah. I mean, building on that, and you may have already answered that, but what does success look like for you?   Mike (30:01.766) next   Mike (30:06.268) an empty calendar.   Seth Bradley, Esq. (30:08.621) Good luck with that. Good luck with that.   Mike (30:11.516) Oh man, I was gonna say, how do we crack that code? No, yeah. No, but I think success to me is doing things like picking up my daughter at three and even being able to say no to the things that aren't gonna get you to where you need, like the discipline piece of this too.   Seth Bradley, Esq. (30:15.708) man.   Seth Bradley, Esq. (30:33.995) Yeah, yeah, mean, you know, for me, it's kind of similar, right? It's not going to be able to empty that calendar. Not yet, at least maybe here in the future. But for now, it's pretty filled. But it is it's flexible, right? Like us as entrepreneurs, you know, we probably work more than we ever worked when we were in our W-2s. But at the same time, it's you know, we're working in our own business for ourselves, for our families. And we have the   Flexibility, a lot of people will say the freedom, right? But we have the flexibility to move things around. And if you want to pick your kids up at school at three, or you do want to take a weekend off, or something comes up in your schedule, you have the flexibility to do that. Whereas if you're kind of slaving away at the nine to five, you can't really do it.   Mike (31:04.486) Yeah. Yeah.   Mike (31:20.198) Yeah, that's spot on. mean, I just wrote that down, but flexibility is, cause you're right. When you started becoming an entrepreneur, this is what I tell people all the time when they want to get a venting around is like running your own business. You are going to work harder than you do for your boss currently at your W-2. Like you have to do payroll. You have to do, like you gotta like make sure there's money to actually do pay, you know, like all those things that you just don't even think about when you have a W-2. It's like, today's   Seth Bradley, Esq. (31:39.543) Yeah   Mike (31:48.89) You know, this Friday I get paid. Well, when you run a business, mean, that money's got to come from somewhere.   Seth Bradley, Esq. (31:51.905) Yeah   Right, yeah, 100%, man, 100%. All right, Mike, we're gonna wrap it up. Thanks so much for coming on the show. Tell the listeners where they can find out more about you.   Mike (32:05.286) Yeah, so thanks for having me. This has been great. I have free content all over the place. can find me on the classic Instagram, Twitter, YouTube, but I also have vendingpreneurs.com is where we help people that are more interested in actually the vending stuff. But I've been really trying to double down on YouTube lately because there's just a lot of content and you can't get it off a one minute reel.   Seth Bradley, Esq. (32:32.417) Love it, man. All right, Mike, appreciate it. Thanks for coming on the show.   Mike (32:35.91) Thanks for having me.   Seth Bradley, Esq. (32:37.227) Hi brother. Alright man, got a couple more questions for you. We do like a quick, kind of do the full podcast episode and then I'll just do kind of a quick episode that'll follow up on a Monday and then another one on a Friday. Cool.   Mike (32:55.814) See you.   Seth Bradley, Esq. (32:59.693) We out here.   Welcome to Million Dollar Mondays, how to make, keep, and scale a million dollars. Mike is a super successful entrepreneur in the vending machine business and beyond. Tell us, how did you make your first million dollars?   Mike (33:20.922) Yeah, Seth. It was probably actually through real estate and just getting a little bit kind of lucky with timing with COVID and short-term rentals and some of that. But yeah, that's probably how I got the first million.   Seth Bradley, Esq. (33:25.229) Mm.   Seth Bradley, Esq. (33:37.079) Gotcha, cool. Yeah, real estate usually plays a role in the everybody's strategy down the line, whether they're in that primary business or not, whether they start out there or they end up there, real estate usually plays a part. How'd you make your last million?   Mike (33:53.956) Yeah, that's a good question because it's completely different than real estate, but it's actually been vending machines. So that's been kind of fun. just, you you talk about product market fit whenever you're an entrepreneur with a business. And that was just kind of the perfect storm right now of traditional vending really kind of being outdated. And we found a product market fit with it.   Seth Bradley, Esq. (33:57.57) Right. Yeah.   Seth Bradley, Esq. (34:16.215) Gotcha. Cool. that was from, was this maybe mostly attributed to kind of buying those routes, those larger routes?   Mike (34:23.32) Exactly. Yeah. Buying old school routes and really kind of flipping them like a house with modern micro markets charging, with different products and what would fit in a vending machine, like more of the unorthodox, you know, toilet paper and tide pods and things that wouldn't fit in a traditional vending machine. I mean, we'll sell $35 bottles of shampoo in these micro markets. So just kind of, go and add it in a different way.   Seth Bradley, Esq. (34:49.857) Yeah, and then with the aging population, there's gotta be more and more of these things popping up. So there should be more opportunity for people to get involved or for people like yourself to just snag everything, right?   Mike (35:01.102) Yeah, I think there's no chance I could snag everything, not even just in this town alone that I'm currently in. I mean, machines are getting cheaper, the technology is getting way better with AI. And nowadays, it's not what fits in a vending machine motor. It's okay, what's shelf space? if it's a bottle of shampoo or a glass Coke, it doesn't matter because it's not just getting thrown down the chute of a traditional machine.   Seth Bradley, Esq. (35:05.387) Yeah.   Seth Bradley, Esq. (35:27.521) Makes sense, makes sense. Last, how are you planning on making your next million dollars?   Mike (35:34.3) I think probably with AI, we're doing a lot of interesting stuff with helping people scale their, their vending routes. that is applicable to any, small business. And so I'm really intrigued. Just every time I go down a rabbit hole with some new AI tool, I feel like there's another better one that just came right behind it. So I just think it's kind of that time where you can really get ahead by just learning.   Seth Bradley, Esq. (36:06.209) Yeah, totally makes sense. mean people that are not paying attention to AI whether it's simply using chat GPT instead of Google search are getting left behind quickly because it's just advancing so fast. I can't even imagine what this world's gonna look like five years from now the way that things are moving.   Mike (36:23.132) It's crazy. Three years ago when I was working for a tech company selling software into the government, I would have to work with three secretaries to schedule a meeting with the general to sell their software. Now my EA is literally an AI bot and everyone that's scheduling time on my calendar, they don't even know they're talking to a non-human, which is pretty   Seth Bradley, Esq. (36:43.479) Yeah, 100%. We're gonna, I predicted within five years, everybody's gonna have a humanoid robot in their home with AI instilled and they're gonna be doing physical things for us at our homes. Yeah. Yep. Yep. 100%. Awesome, All right, moving on to the next one.   Mike (36:50.181) Yeah!   Mike (36:57.917) I hope so. I hope they can go to Costco get all our groceries do our do our laundry The dishes   Seth Bradley, Esq. (37:11.501) You're clearly in the top 1 % of what you do, Mike. What is it about you that separates you from the rest of the field?   Mike (37:19.056) Ooh, that's a good question, Seth. I think it's just discipline, know, discipline and focus. One of the hardest things is being able to say no with the things that don't align. And when I was growing up, I had a quote that has really stuck with me. That's like, it's better to be respected than liked. And I think that really resonates. Like naturally as a human, you want to be liked and help people, but the 1 % are really good at saying no.   Seth Bradley, Esq. (37:47.649) Yeah, I love that man. That's a great answer. Kind of building on that, what do you think the number one attribute is that makes a successful entrepreneur?   Mike (37:57.468) probably focus. Yeah. Yeah.   Seth Bradley, Esq. (37:59.212) Yeah, focus. Yep. The one thing, right? The one thing.   Mike (38:04.186) Yep. That's why you come back to like the most successful entrepreneurs. They always niche down and they niche down because they just, got hyper-focused. Like this is kind of why for me, you know, I started this passive Mr. Passive on social media before I even got into Vendi. Well, now everyone's like, well, how passive is Vendi? And well, it's like, what's really interesting is I was posting all these different, what I thought passive income streams in the time, but everyone, 95 % of the questions I got about   Airbnbs are all my different investments was about bending. So I just niche down on, on bending and I just looked back on that and I was like, it really forced me to focus.   Seth Bradley, Esq. (38:43.263) Awesome, awesome. What's one thing someone could do today to get 1 % closer to success in the vending machine business if they are really interested in learning more?   Mike (38:53.892) tap into your connections and find a location that has high foot traffic, whether that's a friend that works at an urgent care, a sister that lives at an apartment. You know, you take your kid to that gymnastics studio that has a ton of foot traffic between 4 PM and 8 PM. Like all those locations are prime locations to put one of these modern smart machines in. so, tapping into your connections, well, you know,   Seth Bradley, Esq. (39:24.567) Love that man. Awesome. All right, Mike, I appreciate it, brother. We'll to meet in person sometime,   Mike (39:30.574) I would love to. Where are you based, Seth?   Seth Bradley, Esq. (39:31.789) I'm in San Diego, where you at?   Mike (39:34.78) I am in Eugene. Yeah, Oregon. I'll come down your way though.   Seth Bradley, Esq. (39:37.39) Cool We're planning on doing yeah, we're planning on doing so me and my wife we have a Sprinter van and Last May we did we did going back to the flexibility piece, right? We did 32 days in the van up through Wyoming Montana and then into like Into Canada and they're like Banff and Jasper and all the way up to Jasper and then we circled back on the west coast Through Vancouver and then down back to San Diego Yeah   Mike (40:05.52) What?   Seth Bradley, Esq. (40:06.829) Pretty wild, pretty awesome. And the reason I brought that up is this year we're gonna do shorter trip. We're probably gonna do two, maybe three weeks at the most, but we're gonna do kind of the Pacific Northwest. So Oregon, Washington, and Vancouver and all those parks and stuff up there.   Mike (40:17.254) Yeah.   Mike (40:21.744) Yeah, you definitely have a, have you been to Bend before? Bend is like my, that whole area, Central Oregon is, and even Idaho, like all those kind of, yeah. That's awesome. Please let me know when you're up this way. I mean, I'll come meet you wherever. That'd be amazing. Absolutely. Yeah. Awesome. Yeah.   Seth Bradley, Esq. (40:24.641) Yeah, yeah I have.   Seth Bradley, Esq. (40:38.861) Sure man grab a coffee or beer. I appreciate it. Yeah, let's do it. Yeah all right brother great to meet you and I will send the information on when this is gonna get released and give you you materials and all that stuff so we can collaborate on social media   Mike (40:51.964) Okay. Okay. Yeah. Is a lot of your audience, like passive investors?   Seth Bradley, Esq. (40:58.593) So most of that, so now I'm rebranding. I rebranded because I'm gonna be speaking more towards like active entrepreneurs, Active entrepreneurs, people raising capital, that sort of thing. Whereas before it was based on passive investors and people really focused on attorneys. So I'm an attorney and I was raising capital from attorneys for my real estate deals. Now I'm really more into selling shovels. I'm scaling my law firm. I'm chief legal officer for Tribest, which is, we've got a fund to fund.   Mike (41:20.262) Mm-hmm.   Seth Bradley, Esq. (41:28.085) legal product there as well. So we're really trying to bring in active, active entrepreneurs and people raising capital.   Mike (41:29.777) Yeah.   Mike (41:36.572) Okay, because I got that, I was just thinking through when we talking about that oil development project, that could be a good, the guy that runs that fund could be a good interview for you. Just thinking through your audience, because he's always looking for investors into his fund and like these oil lubs are just crushing it.   Seth Bradley, Esq. (41:49.901) Cool. Yeah.   Seth Bradley, Esq. (41:58.464) Yeah, cool. Who is it? Just, I don't know if I know him or not.   Mike (42:02.183) Um, Robert Durkey, he's out of Florida. has, his problem is he's sitting on a gold mine that has no, like he's old school, doesn't know social media, any of that. So that's why I think he'd be perfect for you. Cause I think you could help him and he could definitely help you with some kickback. Yeah. So cool. Yeah. Yeah. Yeah. Hopefully we meet soon. Okay. See you Seth. Bye.   Seth Bradley, Esq. (42:05.645) I don't think I know. I don't think I know.   Seth Bradley, Esq. (42:13.889) Yeah. Gotcha.   Seth Bradley, Esq. (42:20.705) Cool, okay, sounds good man. Yeah, I appreciate the introduction.   Yeah, all right brother. Talk soon. See ya. Links from the Show and Guest Info and Links: 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 Mike Hoffman's Links: https://www.instagram.com/mikehoffmannofficial/ https://x.com/mrpassive_?lang=en https://www.linkedin.com/in/mikedhoffmann/ https://www.tiktok.com/@mr.passive

No BS Newshour Episode #376GOTCHA!(8:50) Attorney General Dana Nessel subpoenaed! Justice is coming.(20:30) Michigan terror suspect on the lam. ICE is on the hunt.(33:22) Detroit Mayor Mike Duggan tries to bury the crimes.  We've unearthed them.(53:20) Red Wings legend Darren McCarty exposes himself. “I'm not that tough.”(4:08) Bad Dad pushed kid down the killer slide.⁠NBN on YouTube⁠⁠: https://www.youtube.com/@NoBSNewshourNBN on iTunes⁠⁠: https://podcasts.apple.com/us/podcast/no-bs-newshour-with-charlie-leduff/id1754976617NBN on Spotify⁠⁠: https://open.spotify.com/show/0qMLWg6goiLQCRom8QNndC⁠⁠Like NBN on Facebook⁠⁠:  https://www.facebook.com/LeDuffCharlie⁠⁠Follow to NBN on Twitter : https://x.com/charlieleduff Sponsored by American Coney Island, Pinnacle Wealth Strategies, and XG Service Group

If you've ever wondered why the Church requires a Sunday obligation to attend Mass—even when you're doing other good things like feeding the poor or being kind—this conversation is for you. On The Patrick Madrid Show, Michelle from Kentucky calls in with a question: “If someone skips Mass but still does works of mercy, are they still in mortal sin? That just seems... harsh.” Patrick responds with some Holy Spirit–fueled clarity and compassion. According to Church teaching (and backed up by Scripture), deliberately missing Sunday Mass without a serious reason (illness, caring for someone sick, dangerous travel, etc.) is a grave sin. Why? Because it’s saying "no" to a relationship. You're choosing to ignore Jesus' invitation to the most important family gathering of the week: the Holy Sacrifice of the Mass. But What If You're a Really Nice Person? Michelle asks, “What about people who are super kind and charitable but don’t go to Mass?” Patrick said: Being nice is good—but it’s not salvific. If goodness alone could save us, Jesus wouldn’t have needed to die on the Cross. Works of mercy done in a state of grace (in union with Christ) are eternally meritorious. Apart from grace, they’re nice, not saving. Jesus Was Pretty Clear “If you love me, you will keep my commandments.” (John 14:15)“He who hears you hears me; he who rejects you rejects me.” (Luke 10:16)“No one comes to the Father except through me.” (John 14:6) Jesus established His Church with real authority. When the Church says, “Go to Mass every Sunday,” you're being obedient to Christ’s own command. The Family Dinner Analogy (So Good) Patrick compares Sunday Mass to a family dinner: Imagine your parents say, “Everyone needs to be at the table at 6pm.” If one kid says, “Eh, I’ll just eat in my room,” they're disconnecting from the family. That’s what skipping Mass does. It breaks the spiritual family bond. God's Not Looking to Smite You Patrick explains that God isn’t standing there like, “Ha! Gotcha!” In fact, He’s constantly pouring out grace, constantly inviting us back—especially through Confession and the Eucharist. Patrick reminds you that Jesus said some hard truths, but He says them out of love. He wants you home for dinner, forever. Real Talk: If you’ve been skipping Mass... come home. Go to Confession.Get back in the pew.And the Father is always watching for the prodigal child to return.

Title: Rare Earths to Truffles: Diversified Investments You've Never Heard Of with Louis O'Connor Summary: In this episode of Raise the Bar Radio, Seth Bradley welcomes back Lou, an international investor, to discuss diversification, rare earth metals, and a unique agricultural investment opportunity. Lou, who splits his time between Europe and Latin America, emphasizes the importance of global diversification for peace of mind and flexibility. He highlights the geopolitical dynamics affecting rare earth metals, where China dominates the refining process, and discusses the increasing demand due to restricted exports. Transitioning from metals to agriculture, Lou introduces his truffle farm investment. Leveraging agri-science and Ireland's favorable climate, the project offers investors ownership of inoculated truffle trees with professional farm management. Returns are projected to begin in year 4-5 and continue for up to 40 years, offering IRRs between 14% to 69% based on historical truffle prices. Risks include mismanagement and natural elements, though strong biosecurity and proven success mitigate concerns. Lou finishes with a valuable mindset tip: improve by 1% daily to compound results over time. Bullet Point Highlights: Diversification across countries and industries provides flexibility and peace of mind China's control of rare earth refining and export restrictions create scarcity and opportunity Truffle farm investment offers strong IRR potential, with returns starting in years 4-5 and lasting 30-40 years Minimum $30K investment includes 400 saplings and full farm management with a 70/30 profit split Primary risks are mismanagement and nature, mitigated through biosecurity and replacement guarantees Lou's golden nugget: Focus on improving 1% daily to unlock exponential long-term growth Transcript: (Seth Bradley) (00:02.062) What's up, builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm Seth Bradley, securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Lou, what's going on, brother? Welcome back to the show.   Thank you very much Seth. Thank you. I'm very happy to be here. Good to see you again.   Yeah, absolutely man. Great to catch up with you. Are you tuning in from where?   Well, in Europe still, you know, I'm back and forth between Ireland, Germany, mostly, a little bit of time in Panama as well, because my wife's from there, but I'm in temporary in Ireland, horse breeding country and agricultural heartland actually of Europe. And at the moment anyway, yeah, so in Europe.   (Seth Bradley) (01:16.664) awesome, awesome. That's the beauty of being on a video conference call that you can talk to anyone from anywhere in the world now. That's the one good thing that came out of COVID is it made it normal to do it.   Yeah, it's funny, unbelievable. Just yesterday I was contacted actually by CNBC in the US, I'm in Europe, about the metals. We're not talking about metals today, but I've spoken with you before about the rare earth metals. And I guess the US chamber, secretary chamber of commerce is in China this week because China is restricting the export of certain technology metals and that's their area.   And within a day, there's like an hour after I speak with you, I'm doing an interview with CNBC on, I think it's Power Launch or something they call it. So it's fascinating really how quickly you can sort of ping around the globe and find somebody and do this.   Yeah, yeah, very cool, very cool, man. Well, thanks for taking the time to tune in with us today. And we've got a brand new thing to talk about and we'll jump into that. But before we do, just for listeners who didn't listen to your previous episode, give us a little bit about your background and your story. Just a general synopsis,   Sure, thank you. Yeah, so I'm obviously, you can tell from the accent, I'm Irish or Scottish or Australian, but it's Irish. And I suppose you could say I'm bit of a world traveler who has come back home specifically for this project we're going to talk about. Ireland is known as sort of the breadbasket of Europe. But yeah, I lived in Germany for 10 years, lived in Central America and traveled extensively in South America during that time.   (Louis O'Connor) (03:05.422) But my niche, if you will, you know one other business we're involved in. And my niche, what I'm looking for is always what I call, I don't know what you might call it in the US, but we sort of call it a path of progress play here, which is if you sort of look at an industry or a product, what's happened in the last 10 years, or even a country or even a business for that matter, if you look at what's happened in the last 10, you can sort of   have a look at likely what's going to happen in the next 10. So I'm always looking for somewhere where demand is increasing and supply is either going to be limited or subject to disruption and somehow, and that's what we will be talking to an agricultural product and we'll talk more about it. But I like to be diversified in every way. So I have business in Germany, this agricultural product is in Ireland.   I do my banking in Belize and Panama and different parts of Europe. So just trying to be as diversified as possible.   Right, right. And that's part of your kind of plan as well, right? Like to be kind of this international man of mystery, right? Like you have different ties to a couple of different countries, which gives you flexibility in case something goes wrong in one of them, right? Like, you know, I think a lot of people were worried here for a while and I think it's still in the back of people's minds in the United States about, you know, the strength of the dollar and   You know, people were talking about getting a second citizenship and things like that. Can you speak to that a little bit about kind of, you know, how you've done that and what your kind of thoughts and feelings are around that?   (Louis O'Connor) (04:46.552) Sure, sure. Well, you my feeling always has this peace of mind, you know, I just want peace of mind. I want to be at peace with myself and the world around me. that's, I mean, I'm probably talking about more philosophically and spiritually as well, but also, you know, in business or residencies or banking. I suppose it's because I left Ireland quite young and I did live.   I didn't just go on a vacation somewhere. lived in Germany for 10 years. I learned the language. Ireland is an island, even though we're part of Europe, continental Europe is completely different. And then I went to Latin America, which is a completely different kettle of fish altogether. And I suppose it was those experiences that the perspective that gave me was that, that sounds very simple, really, root of entry, but there's...   there's good and bad, know, you we do certain things in Ireland very well, and maybe other things not so well in Germany, they do, you know, they've made better cars and better roads. And we do and you know, Latin America, I think they dance better and drink better maybe than you know, but so yeah, what I learned is, you know, you know, you can pick is a bit like life can be a bit like a buffet, and you can pick what you like, and you know what you don't like leave behind, you know, so and the idea, I suppose the point I should make is that   What I've learned is it's not expensive or difficult to be diversified. Like have your banking in different jurisdictions really doesn't cost anything. Having a second or third residency if you do the right homework on I'll go into more detail if you want. have residency still in Panama and I three passports. I'm working on the fourth and it has been a little bit of effort but not expensive or costly.   And will I ever use it? I worried that the world's going to end? No. But it's just that peace of mind you have when you've got these other options that, God forbid if something did happen here in Ireland or Europe, I have a residency in Panama, I banking there. So it's just that, suppose it's like having a parachute or a safety net that's always there.   (Seth Bradley) (07:00.13) Yeah, yeah, I agree. mean, that's, you know, especially the way that things are today and people kind of just worry about things generally, right? If you have that peace of mind and you have that, you know, second or third option, it's just something that can kind of let you sleep at night a little bit better. It's like having a nest egg or, you know, having a second, third, fourth, fifth stream of income.   things like that that can let you sleep at night and while other people are panicking and worrying and making, you know, maybe even bad decisions based on that, you know, based on those worries, you can sleep soundly and make decisions that are best for you.   Yeah, yeah, and you're not limited, know, if you're just, you know, like, I mean, it's funny though, as well, I think it's timely. I think the time has come. I you see people, you know, we were chatting earlier, you know, being involved in multiple different industries and, you know, with technology, we're allowed to do that. We can reside in one country, we can do our bank in another, we can do our tax responsibility somewhere else, we can do our business. So it's probably just in the last 20, 30 years that we can move so freely.   with all this stuff, know, you know, only maybe 25, 30 years ago, I wanted to, I couldn't really do business in Germany, but live in Ireland, it'd have to be one or the other. There was no internet, you know, everything. So, so yeah, I think, I think we're heading in that direction anyway. And it's just, yeah, there's great freedom in it and great peace of mind, even though, you know, I mean, I'll be in Ireland for, you know, my two kids are, there's another six or eight years.   before they finish school. So I plan to be here, but I just have other options as well, you know.   (Seth Bradley) (08:41.42) Yeah, yeah, that's fantastic. And speaking of diversification, mean, your investments are very diverse, right? I mean, in the previous episode, we jumped into rare earth metals. And then in this episode, we're going to jump into something new. Before we jump into the new thing, though, give us a little update on what has changed in your business with the rare earth metals or if anything has changed or how those things are going.   Yeah, well, thanks. Thanks for asking, Seth. Since we spoke, actually, the big news is just in the last 60 days, I think I mentioned to you that China pretty much sort of dominates the rare earth industry. it's, I think really, it's possible and we understand now that China sort of saw before the EU and maybe before the US or they understood at least that rare earths would become   the backbone of manufacturing in the 21st century and they've been, you know, they've taken action on that. So we're in a situation now and it's not really an economic strategy. It's more of a geopolitical strategy that China has big plans for electric cars, big plans for solar, big plans for wind. you know, they, they've hundreds of million people, they're, taken out of the poverty, into the middle class all the time. So sort of   thinking strategically and long term, they rightfully secured their supply of rare earths. And what happened just in the last 60 days is the US sort of initiated a sort of a block. Now it was also supported by Holland and Japan and they're blocking sort of the latest sort of semiconductor technology from going to China. And in retaliation for that, China   You know, they have, you know, an ace up their sleeve, which is where it hurts. So the West has the technology and China has the raw materials. And just in the last 60 days, China has said they're going to, well, effective August 1, which is a month ago, they're restricting the export now of gallium and germanium, which is two of these technology metals, and that China, you know, is responsible for 95 % of the global production. so we're seeing the prices go up and this is sort of.   (Louis O'Connor) (10:57.826) what I talked to you about that these metals are in demand on a good day, you know, you will make a nice return. But if something like this happens where China sort of weaponizes these metals economically, then you'll see prices increasing quite dramatically, which they are. Yeah, that's that's what's happening there. It's basically a market where there's surging demand and you have sort of political landscapes affecting as well. So   It makes for interesting investment.   Yeah, yeah. Are these rare earth metals, are they not something that we can mine or is it something we're not willing to mine, like let's say in the West?   (Louis O'Connor) (11:44.142) Yeah, good question actually. that actually gets right to the heart of it, Seth, because despite the name rare earths, they're not all that rare. Some of them are as sort of common as copper and stuff, but there's about eight or ten of them that are rare and they are available in the US. But this is what's changed dramatically in the last 30 years is the rare earths don't occur naturally. So they always occur as a byproduct of another raw material.   They're sort of, they're very chemically similar. they're, sort of all stuck together. So they have to be extracted and separated and then refined and processed into, you know, high purity levels for jet engines or smartphones or whatever the case might be. what's happened where China dominates is, is China is responsible for 95 % of the refining. Now there's about 200 or sorry, $390 billion available in subsidies in the U S.   from the Inflation Reduction Act, which despite the name is all about energy transition. And that's all very well, except the human capital and the engineering expertise to refine rare earths is depleted in, it doesn't exist in Europe, and it's very much depleted in the US. Just to give you some context, there's 39 universities in China, where they graduate degrees in critical minerals.   So the Chinese are graduating about 200 metallurgists a week, every week for the last 30 years. I think the US has a handful of universities. I'd say there's probably 300,000 metallurgists in China and there might be 400 in the US and probably none in Europe at all. So it's not just a question of if they're there, it's how do we get them into 99.99 % purity? Without the engineering expertise, we can't, not anytime soon anyway.   Wow, yeah, yeah. mean, that just alone sounds like a recipe for a pretty good play for an investment. you know, there's these bottlenecks, right? Whether that's people that can refine it or the actual element itself or willingness to mine it, you know, all these different things come into play to make it a good investment. All right, let's switch over a little bit here. Let's talk about the new investment vehicle.   (Seth Bradley) (14:06.99) that you talked to me about. It's an agricultural play, correct? we're talking about truffles, talking about mushrooms, right? Tell me a little bit about it just to get started here.   Okay, well, you probably I mean, you know, truffles are in the culinary world, they're known as the black diamond of the kitchen, you know, they're, they're a delicacy going back to, you know, thousands and thousands of years. Traditionally, the black perigord, which is the Mediterranean truffle would have originated in France, but for the last sort of, you know, the last 100 years or so,   they've been growing abundantly in sort of South, Southwestern France, Northern Spain and Italy. So traditionally, you know, that's where they grow and they sort of, know, because the truffle, as you said, it's a mushroom that has a symbiotic relationship with a a native tree, an oak tree or hazel tree or sometimes beech. So it's a very delicate balance, you know.   And although I have invested in agriculture before, we started, we, I mean, a collective does not just me involved here, and I don't want to sound like I take credit for any of this really. I was just a part of a team where we had some agri-science people, and we had sort of four generational farmers involved. But we were looking at, it is no question that climate, there's a climate change, right?   It doesn't matter to me whether people, whatever the causes of that are, the reality is if you talk to an olive grower or a truffle grower in Italy or France, they'll tell you the climate has changed because their harvests have been decreasing for about the last 30 to 40 years actually, but really more so in the last 10. So we were sort of, I'll tell you basically the AgriScience partner involved in this.   (Louis O'Connor) (16:10.958) As a test back in 2005, they started to plant and the trees inoculated, the baby trees inoculated with the truffle sort of in the root system as a test all over different countries, not just Ireland, England, UK, also the US. So this has been in sort of research and development since about 2005.   And we got seriously involved in about 2015 when history was made and this Mediterranean truffle was grown here in the British Isles for the first time. we then with our agriscience partner in 2015 planted a thousand trees in five different locations in Ireland where I am.   and one of them is about 20 minutes away from me here. They're all secret locations. I won't even tell you where they are because they really are. They're highly valued or highly prized. And so it takes about four or five years to see if you're a business. So yeah, we now are growing the Mediterranean truffle, not just in Ireland, but in other parts of the UK. But the real interesting thing, Seth, it's just now ready for scale. And all of the farmers,   who were involved in the original research. None of them are going to take it to scale. The one that's local to me is a lovely gentleman. in his 60s and he planted a thousand trees really just as a retirement. His daughter works in banking in Switzerland and so there's nobody really to take over the farm. So we're the first to do it with scale. So we're inviting in...   a portion of some investors in as well.   (Seth Bradley) (18:05.87) Gotcha. Are there specific, I assume there are, are specific growing conditions where these things can prosper? Like I can't, I'm in San Diego, I can't just plant them in my backyard and wait five years and be a millionaire.   Well, if you you if I hear you're growing truffles death, you know, we should assign an NDA we should assign. You could try but no, they wouldn't grow in San Diego because I mean, there's a very delicate balance and you're what you're you're what you're using here is agri science and nature. You're working with nature. And because the reason they've grown so well in demand is   No way.   (Louis O'Connor) (18:48.738) just because of that balance up they get a sort of a dry season or sort of they got to get a lot of rain and then they get the dry season and what's happened is they're getting more drought and less rain and it's just upset the balance. So it's a very, very delicate balance. But what people wouldn't know, I think, is that truffles have always grown wild in Ireland.   There was a time five or 600 years ago when Ireland was 85 % forest and our native tree is the oak and the hazel tree, is the tree that's also where the fungus grows. And what happened was when the Brits were before, you know, when shipbuilding was the thing and the British Navy were, you know, the Spanish were, so the Brits sort of chopped down a lot of the forest for the wood for shipbuilding. you know, our forests were depleted. But to this day,   Truffles do still grow wild here, but we're doing it differently. know, we're only planting on land where you have like certain protein and pH levels and limestone. And then we're planting baby saplings that are already two years old that were inoculated with the truffle fungus like at birth, like in the root system. And we only plant them after we see that the root system and the fungi are already thriving.   So if you get into the right soil and it's already thriving, then two, three, four years later, you'll get truffles.   (Seth Bradley) (20:17.216) the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   That's awesome. just, I think about like wine and like, you know, you can grow it, you know, vines in different places. Some places they grow, some places they don't, some places they grow and the result isn't good and some places they grow and the result is awesome. It's probably a very delicate balance between, you know, environment plus how they're raised, how they're taken care of and all those sorts of things.   It is 100%. I mean, first and foremost, mean, because of angry science and technology today, you know, I mean, we can plant baby saplings that are already and not, I mean, we're playing God a little bit with nature, but you know, I mean, it's just amazing, you know, like you could do it. And then, you know, the biggest threat is actually mismanagement. You know, if you don't then manage it correctly. If you have a root system inoculated with the fungus and you have the right soil conditions,   after that and it's management and it's sort of bio security meaning they have a very pungent smell. mean, squirrels and pigs and they love them. They love to eat. So you have to, mean, you're literally it's like protecting a bank, know, you have a bio security fence. You've you know, you limit visitations to the farm, you've, know, special footwear and cleaning and stuff. so yeah, it's serious stuff, you know.   Yeah. Yeah. Wow. That's awesome. Well, let's dive in a little bit to the kind of the investment itself. Like what does that look like for an investor? Like what are your projected returns? You know, what, how does it all kind of, how does it all shape out? Like you've grown these wildly valuable truffles and now I guess the first step would be what's the business plan? Who are we selling these truffles to? What makes them so valuable? And then get into kind of the investor   (Seth Bradley) (22:33.794) portion like how would someone get involved in whether projector returns.   Okay, so we sell, first of all, the estate that the farm is, it's called Chan Valley Estate. People can Google it, it's beautiful. It's 200 acres of north-temporary farmland. The estate itself, it's a bit like a smaller version of Downton Abbey. It's a Georgian.   a three story Georgian home, it's over 200 years old. It's also a museum and we have events there and it's also a working farm. And it's a herbal farm. So we grow plants and herbs there that we then we have our own, we work the value chain where we also sell those herbs for medicinal purpose and we convert them into medicinal oils and things like that. So the location is already up and running.   And what we're doing with the truffles is for every acre, we can plant 800 trees. And so what we're doing is we're offering investors, well, a client, the minimum investment is $30,000 and the investor for that price gets 400 baby saplings already inoculated with the truffle fungus. And then they get the farm management   included up to the first four to five years. takes about, there'll be truffles after, bearing in mind that the sapling, the baby tree is two years old. So after three years in the ground, it's already five years old and there'll be truffles then and the returns don't begin until then. But what's included in the price is all the farm management, know, all the, you know, the,   (Louis O'Connor) (24:23.508) implementation of the farm, the irrigation, the electricity, the hardware that's needed. So all the management right up until there is production and then when they're producing, the investor gets 70 % of the growth and the farm management company, we get 30%. So it's a 70-30 split. Now the great thing about the oak and the hazel is they'll produce   for 30 to 40 years. it's a long term, it's a legacy investment, you might call it, because you won't see returns until the fourth or fifth year. But once you do, you'll see returns then for another 30 to 35 years. And they're very, very good. mean, we have three numbers in the brochure. We looked at what's...   price half the truffles never dropped below. So we have the very low estimate, which is they've never gone below this price. That brings in an IRR, which would be from day one of about 14%. And then the highest that they've sold for, you're looking at about 69%, but the average is about 38%.   So the returns will be very, very good once production kicks in and then they'll maintain. We've included an inflation for 30 to 40 years. I hope, I think I answered everything there.   Yeah, definitely. sorry. I gave you about six questions there to answer in a row. But yeah, I think you covered everything. And having an IRR, which is time-based on something that has this long of a horizon and even takes four or five years to even start producing, those are really, really strong numbers.   (Louis O'Connor) (26:23.63) Yeah, well, again, even the, you know, one of the reasons obviously we like truffles because they're very, very expensive. mean, they're a luxury product. You know, we're about an hour from Shannon Airport here, which is the transatlantic hub between Europe and the U.S. So we can have truffles in U.S. or anywhere in Europe or even the Middle East or the Far East, for that matter, in less than 24 hours. that's important as well. But they're a luxury item. There's huge demand for them. mean,   You know how the world is. mean, there are, unfortunately, you know, there's always sort of, people are getting richer and some people maybe are getting poorer. But the luxury, you know, high end market and the culinary, international culinary explosion means that, you know, there's huge demand for truffles. And also you have to factor in the fact that the harvests in the Mediterranean are less and less every year. And I mean, very, very sadly,   I mean, it's an opportunity for us, but very sadly that they've done very specific scientific studies and it's going to over the next 50 years, the truffle harvests in the Med will go will decline between 73 and 100%. So literally, they will not be growing truffles there in 50 plus years from now. So that's an opportunity for us. you know, again,   We've been working on this really since 2015. And it was only, you know, it was only 2019, 2020 when we began to get to truffles we knew because there was no guarantee, you know. But yeah, now that we're growing them, we just need to scale up.   Gotcha. Gotcha. what's kind of the I see that you know, for that minimum investment, you get X number of baby saplings. How many was that again? 400. That's what I Okay, 400. What's kind of the survival rate, I guess, of those saplings? Do you have kind of a percentage on that? Is it like?   (Louis O'Connor) (28:17.102) 400   (Louis O'Connor) (28:27.086) Yeah, well, we expect you got what's happening so far is within in about year three, which is actually year five, because the sapling, you should get three of the five trees producing. But once you have production, once that fungi is thriving, it will just continue to grow. So in year four, you should have four of them. In year five, you should have all of them producing.   Now we also put a guarantee in the farm management contract that if any tree, you know, if it dies or if it's not, you know, producing truffles, we'll replace it free of charge at any time. in the event, you know, for some reason, I mean, we put a tree in that's inoculated and it doesn't take, then we just replace it. So either way, over the first four to five years, we get them all. And the great thing is if you protect that soil from   pests and diseases and other sort of unwelcome sort of mycorrhizal or fungi, then it will thrive. It will thrive. It'll keep, you know, it'll spread, you know, it's a symbiotic relationship underground between the tree and the fungi.   Got it. Yeah, that's awesome to know. like survival is not one of the things that we should consider because if for some reason it wouldn't survive or is not producing, then it just gets replaced. So you actually are getting those full 400 saplings turning into trees that will be producing.   almost they mature and produce and you know as I said barring you know any pests or diseases or you know interference then they just continue you just protect them you just allow nature then to do its work.   (Seth Bradley) (30:18.848) Yeah, yeah. So what are some of the risks then? What are the downsides that you can foresee if something were to go wrong? What would it be?   Well, the greatest threat is mismanagement, literally. I obviously we're doing this with scale, so it's a professional endeavor, you know, people from time to time, know, I mean, some of the test sites here, mean, I don't know, it seemed like a good idea at the time, and they're not that hard to manage, but people just lose interest, or the younger kids don't want to farm. But the greatest threat is mismanagement. So as long as you put in these biosecurity measures,   and manage, you know, there's got to be some clearing done, there's got to be some pruning done, there's got to be tree guards. So there is a process involved in bringing them to nurturing them along and then keeping everything, you know, neutral, if you will. that's first, weather is always, you know, factor in agriculture. We don't feel it's as much of a threat here, because although we're for the first time,   growing the Mediterranean truffle. Truffles have grown, they grow here wild anyway. So the climate is right and has been right for thousands of years in Ireland. So, you know, and again, we'll have irrigation as well. You know, we get a lot of rain here. It's not likely we'll need any more rain, but yeah, we, you know, the agri-science will kick in there as well. And then, you know, as I said, like,   you know, biosecurity we call it, which is, you know, very, very serious fencing, limited visits to the farm, know, special footwear if people are going up to the area and sort of rinse. We have a pool area where they have to disinfect before they go into, you know, it's a very, very, very protected area from pests and from diseases or anything, you know, that could be brought in from the outside on whether that's machinery or humans.   (Louis O'Connor) (32:22.892) So yeah, it's almost like a laboratory. mean, you keep it very, very delicate balance and keep it very limited on who visits and, you know, people are a visit, but they have to be properly, you know, the feet have to be cleaned and footwear has to be worn and stuff like that. So, but, know, at the end of the day, Seth, it's, you know, well, any investment really, but agriculture, you know, the final say is in nature's hands, you know, not ours. mean, we...   We like to think, suppose, we're in the results business, but the reality is we're not. in the planning business and all we can do is plan everything as well as we can. It's just like, you if you planted a rose, you know, bush out in your backyard there today, you wouldn't stand outside and will it to grow, right? You know, grow quicker. You know, we have to allow nature and the cosmos to do its work. so yeah, nature has the final say, you know.   Yeah, yeah, no, totally, totally understand. And any investment has its risks, whether you're investing in truffles or real estate or any of the above. Quick question on this. Don't want to paint you like in a bad way at all, but we have had and it's not you, of course, of course, but we've had an influx of bad sponsors and people that are anything from mismanaging investor capital on one end, which can happen pretty easily. And there's not a whole lot of   Not a lot of bad blood there. Things happen. And then on the other side of the spectrum, we've seen everything from fraud to Ponzi schemes and all kinds of stuff lately. One thing that I tell investors is to make sure you know who you're investing with and make sure your investing dollars are actually getting invested where they're supposed to. Could an investor invest with you and actually go to the farm?   and see their saplings or see the farm and see this business.   (Louis O'Connor) (34:24.654) 100 % in fact, we would rather people do I mean, I it's not always possible. Right. But Shan Valley Estate, I mean, I'll give you the website and stuff after Shan Valley Estate. It's a 200 acre farm. It's already a museum. have events there. It's a herb dispensary as I said, as I said, it's our our manage our farm management partner is the Duggan family, their fourth generation farmers and they're being in temporary, you know,   longer than that even. absolutely, you you know, of course, there's legal contracts. mean, people get a legal contract for the purchase of the trees and then we have a legal contract for the farm management that we're responsible for implementing the project, we're responsible for bringing the hard, the trees to truffles to harvest. But we do, we just beginning, we just had our first tour, but it was sort of Europe from Germany. Last, sorry,   the 18th, 19th of August. But we will be having tours every quarter. And if anybody wants to come at any time, we'd be delighted to have them because it's like I said, it's like a smaller version of Downton Abbey. And we've accommodated, we converted the stables into accommodation, you know, because we have weddings and events and stuff there as well. It's not just a field that we bought.   Yeah.   And so it's a big deal. I'll give you the website. The location is spectacular and clients can, you know, stay the night, you know, and there's a three story Georgian estate house and the bottom floor is a museum. So it's like walking into a pharmacy from 1840, all the bottles and the counter is 200 years old, you know, and then the middle level, we've an organic vegetarian restaurant, all the   (Louis O'Connor) (36:17.24) food is grown on the farm. There's an old walled garden that they used to wall the gardens years ago to keep out the pests. And all the food that's served is grown on the farm. And then the top floor is accommodation as well and the stables have been converted. look, it's all about trust, Seth. And, you know, I would say to anybody, you've   I mean myself, if I have any doubt about anything, don't do it. And it might not be that somebody's a scam or a fraud, it's just if you're not 100 % sure about it, don't touch it. But what I would recommend is people do their due diligence because we've done ours. We've eight years invested in it, put a lot of time and effort into it. And at the very least, we'd like people to check it out and see it all the way through.   for what it is. yeah, we'll be, we're hoping to, we have a partner in Europe and we're to connect with somebody in North America. I don't want name anybody here because it might not come off, but there's a few sort of marketers and there's plenty obviously that we might sort of do a sort of an agreement with where they'll, you know, I mean, we could even have sort of investment real estate conferences on the farm.   you know, and do farm tours as well. so definitely 100 % we'd love for people to visit and, and they get to drink some Guinness and they're really brave, they can swim in the Irish sea.   Yeah, and I'm looking at the website right now. We'll drop that in the show notes, but it is absolutely gorgeous. I mean, it's making me want to get on a plane right now and check it out. It's incredible.   (Louis O'Connor) (38:00.046) Yeah, that's the estate, shambali.ie. I mean, what I love about it's 100 % organic or members of the Irish Organic Association, track ref, fourth generation. You know, this is not me, I'm a part of this, but the farm management team are, you know, they're already like growing herbs and plants and converting them to medicinal, you know, oils and things. And this is just another, it's more of a farming enterprise, I suppose, than a farm.   And then the other partner is the Agri Science Partner, which is this team of scientists who basically made history by growing for the very first time eight years ago, the black, the Mediterranean truffle in Ireland, you know, so there's a lot of professionalism and thought and effort being put into a chap.   Love that. Love that man. Is there anything else about this type of investment that I didn't ask about that I should have?   I think you know Seth, you should be on CNN or something because I you did. I'm pretty sure you did, you definitely covered it. I mean I may have left something out but I think it's a good foundation for somebody if they're interested, I'll give them my email and you know it's not that expensive to get to Europe and it's a great way to mix a holiday and you know come to the farm and stuff you know.   Absolutely, absolutely. Well, since you're repeat guest of the guest of the show, we won't go into the freedom for but you have one last golden nugget for our listeners.   (Louis O'Connor) (39:34.446) You know, I knew you were going to ask me that, Seth, you caught me off guard. So I have one ready and I stole this from someone else. So I'm not going to take it. But I was listening to a guy last week and he, sort of a big operation in Europe. And he was talking about a phrase they have in the office and it's 1%. And they always look at each other and when you pass them, they go 1%. And I love what it's about. It's about the idea that in a way it sort of comes back to what we talked about earlier, which is forget about.   Yeah.   (Louis O'Connor) (40:04.664) the fact don't think you're in the results business. You're in the planning business. And the 1 % is every day, try and improve every little action. I'm not just talking about work. I'm talking about family, your spiritual practice, if you have one, increase it by 1 % every day. And you know, it's like compound interest, isn't it? That in a way, then you don't have to worry about the big picture. And the results will just look after themselves then, you know.   Yeah, yeah, I love that man. Always improve. mean, you you've got to take small steps to get to those big goals. And a lot of times you just need to ask yourself, did I improve 1 % today? If the answer is yes, then it was a successful day.   Yes. Yeah. Yeah. And it's great because, you know, if I was to try and think now, or you were to try and think now, everything you have to do in the next three weeks, right, you just be overwhelmed, right. And sometimes my head is like that, you know, I mean, I've got meditation practice and stuff, but I watch my thoughts and you know, I mean, it's it's a fact. I mean, it's a human condition. I don't know, some disestimates of how many thoughts do we have a day? How many are repetitive and how many are useless?   A lot of them are repetitive, a lot of them are useless. So it's good just to narrow it right down to what's the next thing I can do right now and can I do it 1 % better than I did yesterday, you know?   Absolutely. Love that man. All right, Lou, we're gonna let us find out more about you.   (Louis O'Connor) (41:34.954) Okay, so they can email me. It's Truffle Farm Invest. Sorry, it's a new website www.trufflefarminvest.com or they can if somebody from your your audience wants to email me directly, it's louis at trufflefarminvest.com   Alright, perfect man. We'll drop all that in the show notes. Thanks again for coming on the show. Always a pleasure, brother.   Thank you very much, Seth. A pleasure.   (Seth Bradley) (42:08.088) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: 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 Louis O'Connor's Links: https://www.facebook.com/profile.php?id=100054362234822 https://www.linkedin.com/in/louis-o-connor-a583341b8/ https://www.cnbc.com/video/2023/08/30/strategic-metals-founder-louis-oaconnor-breaks-down-china-u-s-rare-metal-wars.html

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It's a good thing Greg Dworkin had a lot of links today. Because there was a lot to say, even if there were only a very few topics most people were talking about. And by that, we mean Jeffrey Epstein, and the fact that Donald Trump was his very good friend, because they were both giant perverts. No one's buying the Trump administration's story. I mean, like, no one. Not the Trump-supporting Speaker of the House. Not ultra-Trump-supporting rank & file members of Congress. Not the grifters who came up on the Trump coattails. Not the grifters positioning themselves to usurp the coat itself. Not the high-information, liberal voters who might be using it to troll low-information voters. Not even the low-information voters themselves, who don't care about anything. Maybe he's just used up all the quarters he had lined up for his brainwashing machine. Whatever the reason, he's now got MAGA & the Republican party splintered over this thing he seems determined to insist everyone should ignore. But wait! Maybe Trump can save his presidency with substantive accomplishments on the policy side! Hahahahahaha! Ohhhhh, man! Hey, just kidding, folks! Ha ha! That was a good one! No, there's no hope for that! And the midterm political outlook is only set to get worse, even if the policy itself somehow doesn't. But it is getting worse! Oh well, at least there's Elon Musk's third party. Hahahaha! Gotcha again! Meanwhile, this coverup isn't even the worst thing Pam Bondi is doing with her time. Well, we have time for one more subject. By which I mean about an hour. How about the NYC mayoral race, where we're looking at voters in the 40s and 50s. No, not by age. By net approve/disapprove! (OK, but also by age.) In fact, how about the NYC mayoral race, and how some people are so consumed by it, that they think it has bearing on the outcome of totally unrelated races, thousands of miles away.

Marc & Kim welcome Fox News Radio's Eben Brown for a hard-hitting look at the deadly Texas floods and the media firestorm surrounding local officials. As search-and-rescue efforts continue, Brown slams grandstanding reporters for ambushing an emotional sheriff still comforting grieving families. The team discusses failures in local preparedness, a six-month-old flood warning report, and why now is not the time to score viral moments at the expense of truth or empathy. Marc and Kim—both former journalists—back Brown's scathing take, calling out the industry's toxic incentive structure that rewards outrage over accuracy. Brown makes it clear: the real questions must be asked—but with timing, humanity, and respect.

Mike Johnson, Beau Morgan, and Ali Mac talk about the biggest local and national headlines in The Front Page! On this edition of The Front Page, Mike, Beau, and Ali react to the reports that the NFLPA and the NFL agreed to keep collusion findings a secret. The Morning Shift crew also talks about how the NFLPA and NFL collusion findings are like a bad game of gotcha for the NFL and NFLPA.

Media figures are standing on the dead bodies of the kids in Texas to score political points by grandstanding on things that didn't actually happen plus the media keeps pushing the left to violence. 

Media figures are standing on the dead bodies of the kids in Texas to score political points by grandstanding on things that didn't actually happen; plus, the media keeps pushing the left to violence.

Happy Enslavement Day?From Aaron Day:“The Big Brother Bill furthers technocracy and surveillance. Predictably MAGA supports, not appreciating that these “investments” will be weaponed against them in the future.The One Big Beautiful Bill Act's $135-150B for police militarization, AI surveillance, and financial monitoring, paired with Real ID, Palantir's citizen database, and stablecoins as veiled CBDCs, fast-tracks a technocratic agenda, centralizing control over Americans' lives.” ~ @aarondayFrom Patrick Wood:“Happy Birthday, America. Here is your present: Enslavement. (Gotcha!) AI.Gov will be exclusively run by Technocrats to achieve Technocrat ends. There will be no public input or involvement. For all you scoffers (politicians, academics, and citizens) who have been carping at me for the last 18 years, as I warned you what was coming, will you please get your head on straight? If these digital manics are not stopped, it is game over for freedom and liberty, for sanctity and humaneness.”~ @StopTechnocracyThe time is NOW to secure your finances with GOLD:Call the company I trust, Colonial Metals Group today to learn about a gold strategy that works for you and see if you qualify for up to $7,500 in FREE silver! Check out my landing page here: https://colonialmetalsgroup.com/joyWe discuss this and MORE today on the SJ Show!Join the Rumble LIVE chat and follow my Rumble Page HERE so you never miss an episode: https://rumble.com/c/TheShannonJoyShowShannon's Top Headlines July 3, 2025:NYS Advocates BLOCK Every Bad PHARMA Bill!!: https://x.com/teacher_choice/status/1940205576157622472AI.gov: The Digital Leviathan Launching This Independence Day: https://www.technocracy.news/ai-gov-the-digital-leviathan-launching-this-independence-day/“ChatGPT Psychosis”: The Collapse Of Reality Is Wrecking Lives: https://www.technocracy.news/chatgpt-psychosis-the-collapse-of-reality-is-wrecking-lives/Local police help Trump, ICE spy on Americans via license plate readers: https://www.stridentconservative.com/local-police-help-trump-ice-spy-on-americans-via-license-plate-readers/Sasha Latypova - MAHA scorecard: First 6 months of Trump Admin: https://sashalatypova.substack.com/p/maha-scorecard-first-6-months-ofSJ Show Notes:ACTION LAWSUIT - Vaccine Exemption Denial: https://docs.google.com/forms/d/e/1FAIpQLSd5p67-sRuHD82zPZBUdJWjQG6nFsxqfUanGS0z6kAdQlw5Gw/viewformCLASSPlease support Shannon's independent network with your donation HERE: https://www.paypal.com/donate/?hosted_button_id=MHSMPXEBSLVTSupport Our Sponsors:The best medicine is chronic GOOD health and achieving it naturally. It's why my family uses Native Path Complete Protein every day!Go to https://nativepathcompleteprotein.com/joy today to claim your EXCLUSIVE 41% off deal before it's gone.With lockdowns looming, threats of bio-terror and cyber attacks, the chaos is everywhere. You NEED to be prepared and your one stop shop is The Satellite Phone Store. They have EVERYTHING you need when the POWER goes OUT. Use the promo code JOY for 10% off your entire order TODAY! www.SAT123.com/JoyPlease consider Dom Pullano of PCM & Associates! He has been Shannon's advisor for over a decade and would love to help you grow! Call his toll free number today: 1-800-536-1368 Or visit his website at https://www.pcmpullano.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

BAH!!! Just another shoot the $#!+ episodes... Gotcha! ENJOY!!!

In this episode of Building Texas Business, I sit down with Pete Mora, founder of Fajita Pete's, to talk about his journey from running a full-service restaurant to building a scalable, off-premise food concept focused on delivery and catering. Pete shares how starting small and keeping the menu focused allowed him to maintain quality and simplify operations. He explains that by limiting the menu and designing the kitchen accordingly, they were able to keep costs low while serving large groups efficiently. His approach helped transition from dine-in service to a streamlined catering and delivery model. We also discuss the importance of hiring well and establishing effective systems. Pete admits he learned the hard way about managing people and the value of setting expectations early. As the company grew, building a culture based on respect, structure, and direct communication became essential to maintaining consistency across locations. Finally, Pete reflects on what it takes to be an entrepreneur. He emphasizes being prepared for challenges, not romanticizing the journey, and staying committed to the long haul. His advice is to set small, achievable goals and surround yourself with people who complement your weaknesses. It's not about doing everything yourself, but about building a structure that supports the growth of your business and your team. SHOW HIGHLIGHTS I delve into the entrepreneurial journey of Pete Mora, founder of Fajita Pete's, exploring his evolution from waiting tables in college to establishing a successful restaurant chain. We discuss Pete's strategic business model, which emphasizes a small footprint and limited menu to enhance operational efficiency and specialize in off-premise services like delivery and catering. Pete shares insights on effective team management, highlighting the importance of hiring the right people, setting clear expectations, and fostering a supportive work environment. The episode explores how Pete's innovative approach and adaptation of technology, particularly during the COVID-19 pandemic, contributed to the growth and success of Fajita Pete's. I examine the significance of maintaining quality and consistency across locations, with a focus on centralizing production processes and collaborating with partners who possess operational expertise. We discuss the advantages of being based in Houston, a competitive environment that offers access to resources and professionals, and how this has influenced the scalability of the business. Pete provides practical advice for aspiring entrepreneurs, emphasizing the value of setting achievable goals and understanding that success can also come from significant contributions within a company. LINKSShow Notes Previous Episodes About BoyarMiller About Fajita Pete's GUESTS Pete MoraAbout Pete TRANSCRIPT (AI transcript provided as supporting material and may contain errors) INTRO Welcome to the Building Texas Business Podcast. Interviews with thought leaders and organizational visionaries from across industry. Join us as we talk about the latest trends, challenges and growth opportunities to take your business to the next level. The Building Texas Business Podcast is brought to you by Boyer Miller, providing counsel beyond expectations. Find out how we can make a meaningful difference to your business at BoyerMillercom and by your podcast team, where having your own podcast is as easy as being a guest on ours. Discover more at yourpodcastteam Now. Here's your host, chris Hanslick. Chris: All right, pete, welcome to Building Texas Business. Thanks for taking time to come on the show. I've been a big fan of your food for years, so really excited about this opportunity. Pete: Well, thank you. I know you told me that the babies grew up eating some of it, so those are always my favorite stories when we get to see multi-generational type of business. We've done some kids from kinder through college now. That's how old we are, that's how long you've been around, I love that I hope my daughters listen. Chris: They don't listen to all these. I think I know that to be true, but they're going to listen to this one. Hayden and Holland grew up on Fajita Pete's. For sure, Fajita Pete's, tell us what that is what you're known for, fajita Pete's. Pete: We're a very small footprint restaurant. 98% of what we do is off-premise. That's our thing. It's either pickup delivery. Catering is a huge part of what we do. By catering, we specialize in corporate catering. Okay, so office lunches, like here at your firm, people call us up 30 people, 11, 30, 14th floor, 29, 25, richmond, you know and then we just show up. They, they like the ease of it. We do three types of deliveries. We do with the warmers, with the servers if you need them, or just drop off and get out of your way which is the most? popular one, but we specialize in a very limited menu so that way we can feed the hundreds of people we do every morning on catering, and then at night we turn into a delivery company, kind of like a pizza company. You call us up, feed us for four. Boom, we show up at your door with the food. Chris: And I can attest that you show up fast. Pete: Yep, yeah, that's from those small menus, so we specialize. There's very few things I'm good at, so I try to do as little as possible so I can be good at those things. Chris: Yeah, keep it simple, stupid, exactly, I love it. So I would think keeping the menu narrow like that helps you with controlling food costs and inventory and managing kind of the cost side of your business. Pete: Yeah, business-wise it's good on a lot of levels. The fixed costs, like you said, the rent. So the menu decides your kitchen layout. So, it decides your equipment package. It decides how many feet I mean you can get very granular with these things. It decides how many feet you need between the equipment, how you lay everything. Our menu specifically allows you to get high ticket items in the small area you know fajitas and group type of events. So we got a high ticket average for the restaurant industry and that's because our items are sold for families or for big groups like this. So it allows you to crank out a lot of food in a short amount of time and allows you to keep it fresh, and it's also a menu that transports well you can compartmentalize everything and it arrives the way you want it to it makes sense. Chris: So let's go back to the beginning. What was the inspiration for you to start this in the first place? At the beginning. Pete: Well, I waited tables to school. I went to. I'm from, naturally from columbia, south america, when we moved here. I grew up inief. I went through high school here, I went to U of H, got into the entrepreneurship program at U of H and that was a program that taught me how to really think about what I can do and scale. Having waited tables, I said well, restaurants really allow you to find out very quickly if you're going to make it or not. And my mom always told me we didn't bring you here to fill out applications, we brought you here to do something. Chris: Wow, I love that yeah. Pete: So with that mentality I was blessed enough to get out of the entrepreneurship program and run into the Meyer family. You know Meyer Land, meyer Park, sure, and we were able to get a very good deal on a restaurant that had been closed for a few years. Mr Meyer was very gracious, allowed me to go into his office. I learned a lot through that negotiation and we started a full service restaurant right out of college, 60 tables in Meyer Park, and that really taught us a lot. I mean typical immigrant story. Right, we made the tables in our garage. You know, walk through the snow in the Houston summers, all that stuff Uphill both ways. Chris: Yeah, exactly. Pete: So that experience was very good, and I always mentioned the full service restaurant because it led to what ended up being Fajita. Chris: Pizza yeah, it's part of your journey, right yeah? Pete: Taught me. The first year was just survival. Second year was figuring out. Okay, now that we kind of know what we're doing because you never know you kind of know what you're doing. Now how do we add revenue? And that's how catering became a topic. Chris: Okay. Pete: It got to over the six years we were there, where we grew the catering business to where it was doing more than our lunch business, and so when it was time to renew a lease, it just didn't really make sense to have the 6,300 square feet we had. Right, we took a leap of faith and went to a 1,200 square foot kitchen in West University and, thank God, it worked out. Yeah, you know, and that's kind of, we were able to keep what we liked from the restaurant business and do it in a way that allowed me to keep doing it, because maybe if I was still in full service I wouldn't be in the business anymore. It was just a very you know, starting at 23, and it was just very hard to get it going yeah uh, but it taught all the lessons I wouldn't learn. I mean, you learn, you know how they say. You learn more the first six months out of college than you do. Chris: The four years in right, yeah. So what was the name of that first restaurant? Pete: Poblano's Mexican Grill. Chris: Okay. Pete: It was in Westmire Park. Now they tore down that area. There's a Coles there. It's a nice development. Chris: Yeah. Pete: I'm very grateful to the people in that area. They were very nice to us. We still deliver to them a lot. You know, we have people that come by the kids. Like I mentioned earlier, we've been able to feed kids from since they're little to college, and when they're in town they come and say hi. So so it's been a very good community based business from the beginning, and I think that's what allowed us to really get the roots down. That allowed us to, you know, withstand all the problems that come with a new business. Chris: Yeah. So let's talk a little bit about those early days. You just said, and kind of alluded to it, those first six months out of college. You feel like you learned a lot more than you did in the four years in college. Anyone in any business starting out on their own there's a lot of headwinds. There's lessons learned. What were some of the things that the challenges you faced that you might share with the listeners to say now you know I went through this, you're likely to go through it too. Here's what I did to help and maybe something you experienced that someone might learn from your experience, to avoid Anything that you share from that perspective. Pete: I think at the beginning, with the restaurant business, you're in the people business right, and the biggest issue that you don't get practice at is managing your employees, your team, your coworkers. I think that was a big eye-opener because maybe people you run into people that don't have the work ethic you have, so you have to learn and I was, you know, young and my mom always told me start when you're young and dumb, because if you're smart enough, you won't do it. If you were smart enough, you wouldn't do this. Chris: Well, there's plenty of people that have come on the podcast that have said you know, yeah, you're never really ready, you just got to take the leap. It's like having a child. Pete: Yeah, you're never ready, it just comes, comes and now you have to figure it out. So, dealing with a crew setting up, the importance of setting up systems from the beginning and not willy-nilly as you go, which I did at the beginning, that's a problem. I said well, we'll figure it out. Chris: Follow your heart. Pete: I think during those trying times at the beginning, it was that developing systems, figuring out how to be a better leader to the people, and also all that while controlling cost, and what really helped me through it because businesses fail from being undercapitalized or mismanaged and what helped me through it is that we were always able to live very below our means to really withstand those pressures that came at the beginning. Chris: Okay, yeah. So yeah, it's good insight. You talked about the challenges of you know work. You're managing a team. There's challenges in building the team right Because you got to get it right and you're going to run across times where you make bad hires. What are some of the things that you've learned over the years? To try to? You know perfect that either the interview process or whatever to make sure you're hiring the right team members that can kind of buy in and get aligned behind your mission and your beliefs. Pete: I think it's hiring. When you hire out of necessity, you're already at a disadvantage. You just need bodies, right. I think, hiring at the right, getting the right person even if you don't have a spot for them, and making a spot for them Somebody that you think can be good for your team. 85 percent of the employee issues are solved at the hiring table. Yeah, you know, you need to get better at picking people who represent, and now people when they're applying, they talk very well, right, so you've got to get used to looking through the through the BS. That's the hard part yeah, and, and we're in the industry where we're talkers right, the end is the restaurant industry and also understanding and being compassionate that most people that are in the restaurant industry didn't that wasn't their goal originally. We get a lot of people that end up in this industry okay, so you have to be understanding of the path they've been through yeah, I didn't think about that yeah, and so so you have to allow them a growth path within your company, allow them a system that shows them respect and treats them like people, because I hear horror stories about how people get treated other places or and it's just the industry word, sure. So I think having that empathy and looking at the same time, looking through the BS and making sure the person you're hiring has somewhat the same values and goals, or at least providing a structure to where it's very clear what you expect from them, I think that's the only fair way to hire somebody Right, because at the beginning I was hiring people and I didn't have a structure, so that's unfair to them because I figured out, like I'm doing current. Chris: Right, right, right, you're living and breathing it. Yeah, someone you hire may not. Pete: No, they need a job yeah, and so learning that that immaturity I had at the beginning, that was key as well and it was unfair to the employee. So really creating systems becomes a way to be more fair to your employees. Set clear expectations, trackable expectations and achievable expectations. I think that's key to them. Chris: So you have this restaurant right, full service for six years or so, and you make a decision that's pretty significant to kind of really change up your entire business model. What was it that kind of you know led you to get the I don't know confidence or the ability to take that risk Like? Pete: everything else. Necessity Necessity Right, because you're signing an extension of a lease and it feels like a plea deal. That's not a good that's a good sign that you shouldn't sign that extension. You know Right, good sign that you shouldn't sign that extension, you know so. Then, luckily, some of my um. Greg lewis is a gentleman who found the spot for me at west you and I'm always very grateful to him. He was just a customer of mine. He said, hey, there's a spot. If you really think about doing it, there's a spot that's available, you should check it out and so I'm very grateful to him. Always he does a lot of real estate here in houston and um, it was a leap of faith in that. I knew that in 10 years I didn't want to be doing what I was currently doing. So I always think if you don't want to do it in 10 years, then don't do it today, because what are you doing? So I said I like this part of the industry and it was also more scalable. The model I was creating was more scalable and coming out of the entrepreneurship program, I mean, you go there to scale businesses. They teach you a lot of things. So I said this is more scalable. With my small brain, it was easier to fill in the spreadsheet and really explain to myself and prove to myself that it was going to be more profitable in the long run. Chris: It's interesting. I wrote a note to come back to this because when you were talking about full service to what you're doing now, it struck me that what you're doing now is way more scalable than a full service restaurant. It's tough and there's plenty of great examples in town that are still very successful restaurants, but those full service restaurants seem to have a. They gain up, the ones that sustain, develop a personality, typically around that founder and entrepreneur right who's there, and we have lots of great examples. I frequent them a lot but they're tough to scale. Maybe they go to two locations, but it's like it's hard to get beyond that personality of that person and what you've done is is may created something that still has great quality food, has your stamp on it, but doesn't require you to be at all the locations for it to be successful and I think that comes from the, the low operating cost, the simplified menu we spoke about earlier, all those things you know. Pete: I do think that the full service there's always. There's great restaurants here. Like I said, I was born in colombia. I learned how to eat mexican food at ninfas yeah you know, and, and there's a lot of amazing restaurants here in houston. People always ask me well, what do you think about this place? They're great. There's a dude, we're blessed in houston there's so much good food and it's just to me. I tell them it's just an honor to be even mentioned. Like they say oh well, I like your food. I compare it to this restaurant. I compare that. You know that's crazy yeah now it's to think of how it's scaled and how how people know we're actually starting to go from the. What the heck is a fajita pizza? Chris: oh, there's a fajita pizza right, which is a weird turn yeah, you know, I don't know how to tell a different mind. Yeah, yeah, so so you, yeah, so you start this new concept, you start to it. Let's talk through what were some of the challenges you faced in scaling the business. Pete: I think it was educating the market. Right, it was really letting people know because at that time in 2008,. You either got pizza delivered or Chinese and that's it. Yeah, so really educating the market that we do delivery. They're like, oh, okay, so for like 150 people or no, no, no, we do. And you would tell the customers would come in, it's a little room like this. They would come in multiple times and then until while they were there, they saw drivers going. They go oh, you deliver to houses. And it was just an education time because Uber wasn't really big. No, third-party platforms, so that was a very difficult thing. I also put the tortilla lady right behind the counter so I could see her hand-rolling tortillas, because also, when you go to smaller locations, people assume it's a lesser product. Right, it's an inferior product. So I said, well, let's put the lady right here so they know, because they're used to going to the restaurant and seeing the ladies make tortillas the good ones, you know and so they were like, oh, I get it, y'all make your food. It was just a big education process, educating the markets always was the hardest thing at the beginning. Chris: Talking about the tortillas, your quality of food is outstanding, my opinion. Thank you. I think other people agree. One of the challenges for a restaurant, I would think, in the scale, is maintaining the quality and the consistency. Is maintaining the quality and the consistency what? And you? You talked earlier about putting systems in place, but what? What are you doing to make sure that quality and consistency is there, because you're now all across the state of texas? Pete: yep. So it was very difficult to begin. Like I said, we we used to trim in house marinating house. It's a. I mean, we can get into the weeds on processes and procedures, but you would always maybe go to another store where they added sugar instead of salt to the marinade. So you're like, oh, we can't do that. Very early on I realized that I needed more system, more structure, and one of my goals was to grow. But I knew I couldn't do it the way I was doing it. Then we got to the point where we could marinate our stuff centrally and distribute it to our food distributor who takes it to the stores. So that was one thing that saved some concern, because that's the biggest heartache is the worst thing you can hear is I don't like that one as much as that one. Chris: Right, it's just different, right? Yeah, that hurts yeah. Pete: So it's developing relationships with manufacturers that can actually do your recipe the right way and deliver it to the customers. Chris: Sorry, yeah, go ahead. You've been talking a lot. Advert: Hello friends, this is Chris Hanslick, your Building Texas business host. Did you know that Boyer Miller, the producer of this podcast, is a business law firm that works with entrepreneurs, corporations and business leaders? Our team of attorneys serve as strategic partners to businesses by providing legal guidance to organizations of all sizes. Get to know the firm at boyermillercom. And thanks for listening to the show. So let's talk a little bit about innovation. What are some of the things that you feel like you have done, or maybe doing that are somewhat innovative, to help your business grow? Pete: Well, you go back to getting a good team around you, right? So when I started to grow, I ran into one of my partners, joey Aguia, who had a lot of operational experience in the industry. He was a franchisee for multiple concepts and, because I don't want people to think this all came out of my brain, I had a lot of help along the way and I would stop you because that is such a great point. Chris: Rarely has anyone just done it on their own right. You surround yourself and maybe we'll talk a little bit about that in a second, but I think it's a great point we should pause on, it's knowing what you're not good at. Yeah. Pete: And luckily. Chris: I'm so bad at so many things that it was just finding people all over the place that could help me. Well, I doubt that part but I bet you know. Pete: So innovation so you were talking a little bit about All right. So innovation was going to these manufacturers and our recipe is citrus-based. So technology really caught up to what we do in that not that we do anything special, but the way we do it was very hard for technology to be able to put it in a stable way that could perform the way we expected. So along the way we got with further processors who marinated our product and that was a three-year process to really get it right. So that's innovation on their side right. For us it was our technology, our apps, our ability that helped us survive through COVID. Actually Our ability to do curbside, to be quick and responsive, the way we package our things, the way we set up our kitchen, which took a couple iterations, and to really limit steps and increase customers service through speed and convenience and, like I tell people, the three C's you know convenience, a consistency and quality dad joke, like my daughter says that joke and and so. So those three things really helped us to speed up our service and match. So the problem there becomes matching your service through technology and through your processes on the front end. So really investing into that at an early point helped us keep a little bit ahead of the curve along the way. Okay, so those type of innovations. Chris: That's great. Head a little bit ahead of the curve along the way, okay. So those type of that's great. So, as I mentioned, started in houston and one spot in west university. Uh, you've now expanded throughout the state. What are some of the advantages that you've experienced or see in being a texas-based business and maybe it'll kind of spread across the state? I? Pete: think that that well, I came to Houston. I don't you know, being here, you don't realize how big it is and how competitive it is, and, as I think being in that competitive environment really helped us, you know you gotta. I mean, you can't sell fajitas 23 years in Houston and not be good. Chris: Right. Pete: There's 10,000 restaurants that do a great job in Houston, so I think that was one of the things Having access to big providers, distribution, the ports, being close for our produce. You know being close to the border, so I think that being a hub allows you to control costs, develop business and really grow strategically. Having so many people here law firms, business professionals to help you along the way, you have everything you need in Houston, In Texas, you know, by professionals to help you along the way. You have everything you need in Houston In Texas by default, so I think that was really an advantage. Although it's hard to make it, I think you have the tools you need if you're lucky enough to run into them early. Chris: Okay, that's good. So, when you think about the restaurant industry, what are some of the headwinds that you feel like your company or the industry may be facing today, or that you see around the corner that you're trying? Pete: to. Right now. I think there's a crunch. People are spending a little bit less, right? I think we all see it at the grocery stores, we see it everywhere. So a headwind is how do you translate your value proposition to the guests? We're a community-based business, so we tell people teachers, preachers and coaches so that is part of the value proposition you have as a brand. But people still want to. I mean, it's all about the meat and potatoes, right? They want to get a good value for their food. So the headwinds are figuring out how to provide value, control cost and still deliver the quality that the customer deserves. Gotcha. Chris: What was one of the? When you think about struggles or lessons learned, what was one of the maybe failures or mistakes you feel like you made along the way in those early days that you overcame, but it taught you a lesson that you'll never forget. Pete: I think it was really like we mentioned in the beginning hiring problems. At the beginning it was a lack of maturity. It was a lack of having systems, like we mentioned. I think, maybe underestimating what I did in that well, if I did, anybody can do it and maybe making bad decisions on people I could put in key situations, and those probably came because my systems weren't good enough also. So I think really underestimating what you do as an entrepreneur is a problem that we all have. Underpricing your services is a problem we all have. And trying to compete with my full service restaurant, trying to be everything to everybody, having 70 items on the menu that was the biggest lesson. I said no, there's too much waste. It's too hard to be good at everything else. Let's just be good at one thing and replicate that. So I think those lessons really got us to where we are in learning how to trust other people in areas that you're weak at. Chris: I said well, going back to being the best at one thing, it's almost like the GE mindset, right? Yeah, let's be. If you can't be the best, let's not do it. Pete: Yeah, I got any color you want, as long as it's black. Yeah, you know so that's the way you, that's the only way I could figure out how to do it. Chris: Yeah, the kind of going back to the people and I agree with your emphasis on so much of it is in the interview process, hiring process. You usually learn that the hard way, right. And then you get to what do you do when you realize you made a mistake? And what have you kind of learned over the years about when you realize you've made a mistake, how to handle that and how to move? Pete: on. I think you have to be fair to the person. You have to let them go. You have to get rid of the people, right, inform them of why it's probably not a good fit. Most of the times, people just fire themselves. But in this situation where you make the mistake, you just have to be fair. Let them know what their strengths and weaknesses are, because I would want somebody to do it to my son. Sure, let him know where he messed up so he can be better next time. Say, hey, it ain't going to be here, but if you get better, you'll do better there. So having those clear conversations those are tough conversations to have, sure, they are, but they're important because they're part of leadership is not when you're with the person you know. Good leadership extends to when they're gone from you and in the lessons, like a lot of the leaders I've come across, I say the things they say still 30 years later because they're good leaders. So they don't have to be next to you to be a leader. So we, as people who are in charge of businesses, we have to understand that the leadership style we need needs to be forward thinking, right. Chris: But it's a great mindset to share. So let's talk a little bit about leadership then. I always like to ask people how would you describe your leadership style? How do you think that's evolved over the last? Pete: almost 20 years. I think it's like people, I'm very relaxed leadership style. I'm really not very confrontational. I need to get better at those things. But I take everybody's opinion. It's very disseminated the way we make decisions. It's never hey, make the call, pete, right, no, no, we talk about it. I involve everybody. People that maybe even ask why are you asking my opinion? Why do I? Whatever, I think it's very important to always take the opinion of people actually in the front lines, and that's the reason I like having my store, my original store, always because I'm making decisions for a store in Chicago, well, I need to feel the pain of that decision, I need to feel the weight of it, and if I wouldn't do it at my store, why would I do it at theirs? So it keeps you honest. You have to be with the team. I guess is the question for leadership. Chris: Sounds like kind of that servant mindset. Pete: Yes. Chris: I'm not going to ask you to do something I wouldn't do myself Exactly. Pete: And then, once decisions are made, expect everyone to know, get behind it, move forward. Yep, exactly, I think that's important part of especially the industry we're in, because people you, you deal with hourlies, salaries. Now with the franchising corporate staff is a different employee than at the store level, but everybody has a, a trigger. You can. You can touch people in different ways, but you have to take the time to know what motivates them. So you have to to be in it. Chris: Got to be in it. So we've kind of been talking around this, but let's go right into culture, right? So all you're talking about hiring the right people, telling them and being clear about expectations, giving them motivation and incentive to do that job. You know, how would you describe the culture that you believe you have at Fajita Pete's? And then what are you doing to make sure that, as you scale the business beyond that one location, that it is resonating in those other? Pete: locations. We need to do a better job of culture building. You always need to be doing a better job of culture building. I think it's by example, like I told about the leadership side. So we try to communicate directly with the teams. If there's issues, you communicate directly with the frontline people that don't expect a call from you, but it lets them know hey, somebody's watching, and not only when there's issues. When there's good things happening, you need to communicate that to them, because it's like putting deposits in a bank account right, every interaction you have with somebody is that you're putting a deposit or you're taking a withdrawal and if you go and only withdraw, they're not going to listen to you. There's nothing there. So you have to build that up. So those interactions are part of what we do as a culture. We need to incorporate probably more team meetings, as we do. We did at the beginning and now, as the company grew, we have multi-unit franchisees who kind of have a good vibe going on good culture within them. But I do think getting back to more scheduled team events is going to be good. We just had one a few months ago. So those things that allow people to see that you're in it with them. You're going through the same issues it's not just you and you have that support system. I think those things are critical. Chris: I like that and I think the team building right Creating opportunity for them to connect and build relationships so that the team within the team has a connection, feels like they've got each other's back will end up being a better product for the customer Because they're taking pride in what they're doing and want to help each other be successful. Pete: You have to believe your own BS. You know what I mean. Chris: If not, because part of the service that. Pete: You have to believe your own BS. You know what I mean. If not, because part of the service that we try to teach is genuine service. So you have to have a genuine. Like I tell people, don't learn my spiel, but learn in your words. Say the same things in your words, because I don't want it to sound rehearsed True. But, it's a tough thing, as we grow so fast, to really you go through six months at a time in the blink of an eye. So it's something that we have to be more intentional on and keep building that Right. Chris: There's so many things going on right. That's a good point as an entrepreneur, just how you juggle and manage because you're trying to keep the business going, trying to grow the business, you're trying to maintain relationships up, down and all around. But you got to. I think it comes back to systems and processes. Right To say we're going to have quarterly team meetings or whatever they're going to be, so that there's a scheduled cadence to doing the things that help create the connectivity. Pete: Yep, that's part of growth. I think it's just taking stuff off your plate, putting in the right, because on top of all the business stuff there's also life. Yeah, you have a family, yeah, exactly I know so you think about. Chris: you were a great education at U of H and the entrepreneurial program. So what? What type of advice, being where you are now looking back, for someone out there that maybe is thinking about starting on their own, like you did years ago? What are some of the one, two, three things you might say as advice to say, if you're thinking about starting your own business, regardless of the industry? Pete: What's some something you might say as advice to say if you're thinking about starting your own business, regardless of the industry, what's something you could pass on to them? I think you have to have. You have to go in it with open eyes and understand that it's going to be. You can have the best intentions and you can do everything fault, but it's always your problem. So I think that's having you have to know that going in and thank God, now there's industry. You hear, hey, I started a business, sold it in five months for X amount. That's awesome, but that's not everybody. So be ready to. If you're not planning on keeping it, don't start it. Be ready for that. So I buy a couple of little commercial real estate properties. Are you going to flip it? If I'm not willing to keep it for 30 years, I'm not going to buy it today. Now will I flip it? Probably. But you have to go in with the mentality If you're not going to keep it, don't start it. And, like the good things, set yourself small goals, because you always have the big picture as the entrepreneur, as the founder, sure, but set small goals and celebrate the wins, right, you know. So I, I think it, once you achieve those smaller goals, those milestones. You really need to celebrate them for you, because we have, I tell people, entrepreneurship is almost a disease, right, right, and you don't recommend it to everybody. It's not for everybody. 100 so, and there's nothing wrong with not being an entrepreneur now. Now there's a culture that everybody needs to be their own boss and side hustles, and not for everybody. There's nothing. There's entrepreneurship that they teach us in the entrepreneurship program also how to grow within the company Interesting, how to add value to your boss. Chris: I hadn't heard of that. That's great yeah. Pete: So that's a very important part, because not everybody, it's not for everybody. Chris: It's not, and that's a great point, right. Everyone thinks, and because of those, the the things that get the headlines right someone starts a company, a year later, they sold it to whatever it sounds easy, we're making it. Pete: You know the media romanticism about it yeah, but it's not for everyone. Chris: I mean, we're all different, we all have different strengths and and we said this earlier, you know in the podcast, in this episode it's not easy, it's not for everybody. So just because you can't do it, that make you a bad person. You have, you could have a very significant role within a company, even if you haven't found it uh, I would think that's a great thing on your resume is failure right, right that that that I mean. Pete: that's how we all learn, absolutely, you know. And another another thing is people who have done things. If you can move one rock out of the path of somebody coming behind, then that's also our responsibility. Right Now, will they listen or not? Because I remember 23,. You knew everything, you know, yeah, so, but you have to be available to those people as well available to those people as well. Chris: Okay, so you said you moved from Columbia. Yes, sir, what's your favorite thing about Houston or Texas? Is there an event you like to go to every year, or sporting event or cultural event? Pete: About Houston is that there's a lot of live events. So I like live stuff, I like sports, I love the Astros. Go to the Texas games, rocket games, I like that. If you wake up at, if you you're one in the morning and you want to eat food from any country in the world, you pick it. There's a restaurant here in houston for it. Yeah, I like that. There's a good international community. I mean, there's bad things, always the traffic and everything, but that comes with it, right. So I like the opportunity that it's there, because then you can learn from different things, you can apply what you learn in other areas. So that's what I like about it Just the broadness of it, the availability of whatever you can think of and the access to different people that come from maybe not a similar background, but we all have mothers, grandmas, fathers, brothers, sisters. So you end up realizing that the world is not as big as you think and we're not as different as we think. Chris: Very true, very true. So I'm 90-something episodes into this podcast. I've asked every guest this question at the end. When I ask you even though it just seems a little bit odd, but I ask my guests, what do you prefer? Tex-mex or barbecue? You with the fajita restaurant? It seems like it's not a fair question. Pete: It's not a fair question, because my favorite type of food is chinese. Okay, so no. But houston has a great uh text mix scene and and I think it's just awesome when people come here you've seen the interviews they come in for barbecue text mix, but there's so much more in between, sure, you know? I think it's. It's such a beautiful, it's a good city. Chris: It's a great city to be a foodie. Yeah, because it's also where it's such a beautiful part of town. Pete: It's a great city to be a foodie. Yeah, because it's also where it's at on the map right. You can access different produce products that match other cuisines, so then you end up getting more authentic food, like you would if you went there Now. It's not equal apples to apples, but it's a very good representation of whatever that culture is trying to portray. Chris: So last question you've mentioned is it's it's not being an easy being an entrepreneur, run your business. So what do you do to kind of for yourself, to kind of recharge, relax? Pete: Spend a lot of time in the afternoons with the family. The funny thing is cooking, which we do all day. But you know, go home, clip a branch of the rosemary plant, make some steaks for the family, spend time, go to live events. I think recharging that social battery. Being in crowds, I like that environment. That's part kind of the restaurant kind of gives you that. But you know, going to different live events, concerts and sporting events is really kind of the way to charge up and it allows you to be in the moment and, even though you never clock out as an entrepreneur, it allows you to kind of disengage for just enough. Chris: Yeah, you know until you're driving out. Nearly right, yeah, so well, pete, this has been great really your stories amazing and inspiring. Like I said, I've been a big fan of the food for four years before you, so getting to meet you has been a real pleasure. Pete: Thank you, thanks for coming on. Thank you, brother. Chris: Appreciate it.T Special Guest: Pete Mora.

Cruz vs. Carlson on Foreign Policy: Cruz defends a strong U.S. alliance with Israel and supports aggressive action against Iran’s nuclear ambitions. Carlson is portrayed as advocating for isolationism, opposing U.S. involvement in foreign conflicts, and questioning support for Israel. Tensions and “Gotcha” Moments: Carlson challenges Cruz with questions like the population of Iran, which Cruz admits he didn’t know offhand. Cruz criticizes Carlson for using such moments to create viral clips rather than engage in substantive debate. Iranian Threats Against Trump: Cruz cites intelligence and DOJ reports alleging that Iran has plotted to assassinate Donald Trump and former Trump officials. Carlson is skeptical or unaware of these claims, leading to a heated exchange. Accusations of Anti-Israel Bias: Cruz accuses Carlson of obsessively targeting Israel and groups like AIPAC, suggesting a double standard not applied to other U.S. allies. Moral Clarity and American Exceptionalism: Cruz argues against moral relativism, asserting that the U.S. and its leaders are fundamentally different from authoritarian regimes like Russia or Iran. He emphasizes “peace through strength” and a foreign policy based on protecting American interests. Trump’s Position: Trump is quoted supporting Cruz’s stance and reaffirming his own “America First” doctrine, particularly in opposing a nuclear-armed Iran. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and the Ben Ferguson Show Podcast Wherever You get You're Podcasts. Thanks for Listening #seanhannity #hannity #marklevin #levin #charliekirk #megynkelly #tucker #tuckercarlson #glennbeck #benshapiro #shapiro #trump #sexton #bucksexton#rushlimbaugh #limbaugh #whitehouse #senate #congress #thehouse #democrats#republicans #conservative #senator #congressman #congressmen #congresswoman #capitol #president #vicepresident #POTUS #presidentoftheunitedstatesofamerica#SCOTUS #Supremecourt #DonaldTrump #PresidentDonaldTrump #DT #TedCruz #Benferguson #Verdict #justicecorrupted #UnwokeHowtoDefeatCulturalMarxisminAmericaYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

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