Podcasts about Heck

If you're part of the FI community, you're probably a saver. Heck, if you're listening to this podcast you're probably a saver. While we all are busy optimizing our budget, reinvesting dividends, and contributing to our retirement accounts, do we ever take a step back and ask, “why are we saving so much?” Maybe you have a simplistic answer for this: your kids, your spouse, your “future”. When it comes time to finally reap the rewards of all that saving and investing, we struggle, and often fail to do so.Ramit Sethi, the author of I Will Teach You To Be Rich, has struggled with this in his personal life as well. When he got married, he and his wife spoke about what money meant to them, and they were shocked to have completely different answers. While Ramit loves setting up models and spreadsheets, he also encourages couples to speak about their finances through a shared vision. It isn't “I'm saving this money so we can be happy”, it's “WE are saving this money so we can take that camping trip we always dreamed of.”We touch on other topics like joint bank accounts, creating a “worry-free number”, and building a rich life together, as partners. Ramit also gives personal advice to Mindy to help her realize that she has already won the “money game”, even if it doesn't feel like it at times. In This Episode We CoverCombining finances as a couple and creating a shared vision How much to keep in your personal and joint bank accounts Creating your “worry-free” number that allows you to live life without money stressThe “money rules” that Ramit uses in his daily life Getting over your “savings rate obsession” and finding joy in spending Why spending can become painful for those who are on the road to financial independenceAnd So Much More!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

God's Final Harvest: The Wheat and the CheatFile Size: 72096 kbFile Type: mp3Download File [...]

Happy Halloween, FIENDS and NeighBOOs! It's the spookiest time of year, and to get in the SPIRIT, we're reading about how the Master of The Good Name and founder of Hassidic Judaism fought a werewolf and then out-lawyered a ghost in front of God Himself. No, really. It's exactly as rad as it sounds. Topics of Discussion: AHH!BBA, a spooky film recommendation, the RAMBAM, the RADR, etc, the Appalachians of Dracula, Barovia, a very suspect ingredient, a ghost murderer who has a pretty good point actually.  Hymnal: “Werewolf Bar Mitzvah” by Tracy Morgan, “Monster Mash” by Bobby “Boris” Pickett  Offertory: As Enoch writes, "Whoever of you spends gold or silver for his brother's sake, he will receive ample treasure in the world to come." Support the show via http://ko-fi.com/apocrypals, or check out Official Apocrypals merchandise designed by Erica Henderson! https://www.teepublic.com/stores/apocrypals?ref_id=18246 Black Lives Matter. Trans Lives Matter. Heck 12. Isaiah 54:17

After the last crazy week we had trouble narrowing our What the Heck's so we give a bonus episode! What the heck: quitting jobs to avoid vaccines, paternity leave shaming, Denis Prager, Wizard of New Zealand sacked, Squid Games, Candy Corn Chips, a Wibbily Wobbly Mess & more! Enjoy. --- Send in a voice message: https://anchor.fm/mike-thorson/message

In this weeks podcast episode I am going to teach you an energy clearing tool that has served me and my family well. It's call "Scribbling." - HECK, you've probably done this a million times as a toddler, but did you know that it's actually a power technique used to get rid of negative and stuck emotions within the body? Be sure to listen to Episode 86: Feelings are alive inside you along with this episode as the two of them go hand in hand. Support the show (http://www.healthcoachheather.com)

Part 4: Optimal health isn't complicated with Judy Hahn   In this episode of Oh My Heath ... There's HOPE! Jana talks with Judy Hahn. Judy is known as the “it's not all in your head health expert” who helps high-performing executives go from feeling funky to feeling phenomenal. Her clients experience abundant energy and laser-sharp focus in just a few short months, thanks to their collaboration with Judy. She helps them create the optimal health environment they need to thrive, whether they can't sleep through the night, have brain fog, digestive issues, depression, or feel lousy. Each client receives a fully customized program to address their specific health issues and work on the whole person to balance body, mind, and spirit.   "You are NOT what you eat - you are what you eat and you are able to digest and absorb."   This 30-minute episode is on: 1) It isn't complicated if you know what to do 2) Your first step is to make a decision to get started 3) 3-Steps to Maximizing, Minimizing and prioritizing your health 4) Show yourself some love and prioritize some laughter in your life.   Jana and Judy Discuss: In this episode, Jana and Judy discuss it isn't complicated if you know what to do, your first step to making a decision is to just get started. The 3-steps to maximizing, Minimizing, and prioritizing your health.   Get in touch with Judy Hahn: https://www.hahnholistichealth.com/ https://www.instagram.com/judybrierhahn/ https://www.facebook.com/hahnholistichealth https://www.linkedin.com/in/judyhahn/   Judy's Free offer, Lower Your Toxic Load: Do you know how many things in your home, your food, your household and personal care products, and even your cookware are affecting your health? Get my freebie on How to Lighten your Toxic Load... https://www.hahnholistichealth.com/lower-your-toxic-load/   Get in touch with Jana and listen to more Podcasts: https://www.janashort.com/     Show Music ‘Hold On' by Amy Gerhartz https://www.amygerhartz.com/music.   Free Gift: Fee Subscription to Best Holistic Life Magazine:  https://www.bestholisticlife.com/   Connect with Jana Short: https://www.janashort.com/contact/

Part 3: You aren't defined by your genes with Judy Hahn. In this episode of Oh My Heath ... There's HOPE! Jana talks with Judy Hahn.   Judy is known as the “it's not all in your head health expert” who helps high-performing executives go from feeling funky to feeling phenomenal. Her clients experience abundant energy and laser-sharp focus in just a few short months, thanks to their collaboration with Judy. She helps them create the optimal health environment they need to thrive, whether they can't sleep through the night, have brain fog, digestive issues, depression, or feel lousy. Each client receives a fully customized program to address their specific health issues and work on the whole person to balance body, mind, and spirit.   "Awareness + action + accountability = the transformation you desire"   This 30-minute episode is on: 1) Are you genetically destined for disaster? 2) How your genes will or won't set your health future 3) You are not just your genes; you are a product of everything in your environment 4 Sugar is the road to chronic disease and inflammation 5) All of your medical issues are a process they don't happen overnight. 6) Living in a cycle of dysfunction   Jana and Judy Discuss: In this episode, Jana and Judy discuss you are genetically destined for disaster? How your genes will or won't set your health for your future, how sugar is the road to chronic disease and inflammation. And living in a cycle of dysfunction.   Get in touch with Judy Hahn: https://www.hahnholistichealth.com/ https://www.instagram.com/judybrierhahn/ https://www.facebook.com/hahnholistichealth https://www.linkedin.com/in/judyhahn/   Judy's Free offer, Lower Your Toxic Load: Do you know how many things in your home, your food, your household and personal care products, and even your cookware are affecting your health? Then, get my freebie on How to Lighten your Toxic Load... https://www.hahnholistichealth.com/lower-your-toxic-load/     Get in touch with Jana and listen to more Podcasts: https://www.janashort.com/   Show Music ‘Hold On' by Amy Gerhartz https://www.amygerhartz.com/music.     Free Gift: Free Subscription to Best Holistic Life Magazine:  https://www.bestholisticlife.com/   Connect with Jana Short: https://www.janashort.com/contact/        

Kayla bought her fiancé an almond cow because he loves gadgets, but is she REALLY going to use it? See omnystudio.com/listener for privacy information.

Son of Walter Payton and current WGN Sports analyst Jarrett Payton joins the show (0:00-37:15) to talk Justin Fields' development, Bears vs. Bucs and an overall outlook on the Bears. Heck of a time with one of the best in the business, you know we had a blast!!! Be sure to listen and subscribe because the great guests continue next week....

When one is a little wooden boy, trying to be good and do what you re told, the gig economy is perfect. You can be told what to do by people who have never met you. Heck, they don't even need to really care that you exist, so long as you bring their burger lickety-split and don't forget their dry cleaning on the way. Can Samuel Spruce make good as a food delivery driver against all odds? Perhaps the people who live in this big creepy house know.Written and directed by Jared McDaris. Featuring the vocal talents of: Kat Evans as Samuel Spruce, the little wooden boy. Jared McDaris as Dracula. Kim Fukawa as Catherine. Julia Kessler as Erzebet. Lisa Burton as Scylla. Ansel Burch as Old Man. Audio edited by Jared McDaris. The SRD Theme Song was written and performed b Jared McDaris.

William and Larry Doyle team up to drive Hot Wheels in the new Hot Wheels Unleashed video game for the Nintendo Switch, Microsoft XBOX and Playsation 4. It's a fast pace, high-octane joyride arcade racer. Heck one of these boys sure does love this game, you got to listen in and hear why it's one of his favorite games of all time. YouTube - https://www.youtube.com/channel/UCNvFjMyga8ob_UHmSw4XUoA Twitter - https://twitter.com/mediaboys_pod?lang=en

“I'm sorry I made you mad.” “I'm sorry I upset you.” “He hurt my feelings.” We hear these things and say these things throughout our lives and assume they are true. But they are not. In reality, believing that we can control how people think and feel actually keeps us from accessing genuine compassion and kindness. Over the past few months, I've talked a lot about how other people and external circumstances don't cause our feelings, but rather it's our thoughts about them and what they do that create our feelings. When we start to accept our role in our own suffering and get curious about how our perceptions, thoughts, and stories can add to our suffering, we grow into a level of emotional maturity (*please note this podcast is not meant to be applied to deep unprocessed/unhealed trauma without the support of a therapist who feels it is an appropriate time to explore these concepts).  Today, we're going to the next level: integrating that wisdom with the reality that in the same way, we don't cause other people's thoughts and feelings. Yes, this is true even when you might think you're being extra rude, or when you're feeling guilty about how you acted because you feel/know it was unskillful (breaking agreements, violating boundaries etc). But for some reason, this is even more challenging for many people to grock than the first concept. It definitely was for me. (Anyone else a Catholic-raised guilt expert?) Other people's thoughts come from their brains. Their stories are running in their mind in the same way it happens in yours. We all have our own stories, narratives, biases, and thought patterns that determine how we think or feel. You've heard me mention that all circumstances are neutral – empty of inherent qualities. It's when we add thoughts to them that take on qualities like “good” or “bad.” The same is true for us as individuals: we are a neutral circumstance that someone else is having a thought about, and we can't control how they interpret what you say and do. We can see this more clearly when we do the exact same thing and two different people have very different reactions. This happens because they have two different brains and will interpret that action totally differently! Through their own filters. They have different reactions because their thoughts are different. Heck, sometimes even the same exact person can change how they react to the same thing day-to-day, right? Now, this isn't a get-out-of-jail-free card or permission for you to be an asshole to anyone you want because you don't “cause” their feelings. That would be some serious spiritual bypassing and gaslighting. Rather, this is about showing up in the world in the way you want to, and doing your best to do that with wisdom, integrity, and compassion, and then releasing responsibility for whatever others think or feel about you. Why are we so hell-bent on taking responsibility for other people's feelings? And why are we always apologizing for how people feel - as if we control that? I think we apologize a lot for how someone feels because we think if we don't take responsibility for other people's feelings, then we are a “bad” person. We're taught from a young age that if we love or care about someone then it means we make them have good feelings and help them to not have bad feelings. So often we believe that if we don't act on that, then we're being selfish. But what's being missed here is that we don't need to take responsibility for their feelings. If we break an agreement or violate a boundary, then we can take responsibility for what we DID. How someone feels about what we did is out of our area of control, and if we keep thinking we are responsible for that, we can spin in an endless cycle of trying to change how other people think about us so we can feel better about ourselves but since we can't control what people think and feel we end up spinning. Remember: not taking responsibility for another person's feelings doesn't mean we're selfish. It doesn't mean we're a “bad” daughter, manager, partner, mother, sister, friend. We are simply releasing that which we have no control over. In fact, believing that you cause other people's feelings doesn't actually make us a “better” anything. It's not a kind action when we try to change how people feel because we want to feel better about ourselves, because it stops being about them and ends up being about us instead, and we have less access to genuine compassion and kindness. When we release responsibility for other people's feelings, we can actually have more genuine compassion for their suffering. We don't try to change them. We can love them and be more present and more in our hearts than in our heads. That's authentic kindness! Now, we also can't control whether someone else notices or appreciates your felt experience of compassion and kindness and acceptance. But you will feel more kindness, compassion, and unconditional love. Which is something you can control. In this Episode you will learn:// How we literally cannot be responsible for how people feel and act// Why this concept is important to us… and how NOT to use the knowledge// Why we're always apologizing for how people feel// How to correctly apologize to someone (and when)// How owning others' feelings is actually LESS kind to them and yourself Resources:// Episode 2, How to Not Care What Other People Think About You// Episode 11, How to Stop People Pleasing// Episode 28, Practical Emptiness// Episode 74, How to Set Healthy Boundaries// If you're new to the squad, grab the starter kit I created at RebelBuddhist.com. It has all you need to start creating a life of more freedom, adventure, and purpose. You'll get access to the private Facebook group where you can ask me questions! Once you join, there's also a weekly FB live called Wake the F*ck Up Wednesday, where you can ask questions that come up as you do this work – in all parts of your life.// If you're interested in finding out more about how to free your mind and free your life, join Freedom School. Enrollment is open, and we are diving DEEP into ways to cultivate clarity and courage so you can create your best life. There are also some sweet bonus courses for you there. It will set you up to live the best version of you in the year to come. Learn more at JoinFreedomSchool.com.

Fusebox #182 “Highway to Heck” 28:12 –  Be Ever Mindful Out There, Dia De Los Muertos, Those Heart Eating Catholics, Food Of Ghosts” Fusebox ID Liner, Podcast Proliferation, War Of The Worlds Update, A Spoken Word Gem From Jodi Lorimer; “Kitchen Man”, Arnie Goes To The Fridge, Mike Flanigan's “Midnight Mass” Reckless with appreciation for […]

In this live-show from the 2021 Rooted Conference, we're joined by Becca Heck to discuss an obvious question - “Why would a ministry like Rooted host a podcast about comics?” The four of us discuss the meaning and value of comics and reflect on the power of myth when it comes to the big questions of life, meaning, purpose, etc. We wrap up by sharing a few examples of ways that comics (and the Marvel Cinematic Universe, in particular) has helped us initiation spiritually significant conversations with students.We would love your feedback, input, or questions for future episodes.Contact us on Twitter @ThanosToTheos, Instagram @ThanosToTheos, or email us at thanostotheos@gmail.comIf you want to respond to any of our hosts, you can reach us on Twitter:Mike McGarry: @revmcgarryClark Fobes: @fobesmanKevin Yi: @kevinhyi

In this episode, Kenton struggles to keep his clean rating while discussing the fact that State is only a 3 point favorite over The U. Learn more about your ad choices. Visit podcastchoices.com/adchoices

If you are planning a fossil field trip to Harrison Lake, this is the episode for you! We'll talk about getting there. What to bring and what you'll find. Drive the 30 km up Forestry Road #17, stopping just past Hale Creek at 49.5° N, 121.9° W: paleo-coordinates 42.5° N, 63.4° W, on the west side of Harrison Lake. You'll see Long Island to your right. The first of the yummy fossil exposures are just north of Hale Creek on the west side of the lake on the west side of the road. Drive just past them and park on your right. You are looking for the dark grey rock with the fossils showing up either dark grey, grey-brown or black. You will want to look both in the bedrock, in the loose material that gathers in the ditches and for large dark grey boulders the size of dishwashers packed with Buchia — sometimes made entirely of these densely packed bivalves. Buchia populated our Upper Jurassic and Lower Cretaceous waters like a team sport. When they thrived they really thrived, building up large coquinas of the material that make up much of the rock you will find at Harrison and other sites in the Northern Hemisphere. WHAT TO BRING: As with all trips into British Columbia's wild places, you will want to dress for the weather. This is a good site for hiking boots, raingear, gloves, eye protection and a good geologic hammer and chisel. Fill your gas tank and pack a tasty lunch. You will definitely want to bring your camera for the blocks of Buchia too big to carry. If you take some good photos, I would love to see them. Wear bright clothing and keep your head covered. If it is a larger group, those collecting below may want to consider hardhats in case of small rock falls. These are most often chunks of rock the size of your fist up to the size of a grapefruit — and they pack a punch. Bring a colourful towel or something to lay your keepers on. Once you set down a rock, it is hard to find that keeper pile again as they often blend in with the surroundings. I like to wear one of those lightweight yellow construction vests over whatever I am wearing so my crew and cars can spot me. When you have finished for the day, you can compare your various treasures to see which ones you would like to keep. In British Columbia, you are a steward of the fossil, meaning these all belong to the province but you can keep them safe though cannot sell them or ship them outside British Columbia without a permit. You should be all set to celebrate a glorious day in the beautiful outdoors. I have been asked about collecting four seasons. What do we do about the weather? We live in a rainforest so collecting in sun and rain means your field season is longer. Everyone has a preference. I prefer not to collect in the snow, but I have done. While sunny days are lovely, it can be easier to see the fossil specimens at Harrison when the rock is wet. So, do we do this in the rain? Heck, yeah. Once you get home you can wash and ID your finds. I have put the scientific names here but if they occur as gobblygook, don't worry. Harrison does not have a huge variety of fossil fauna. Essentially, if your find is coiled and round, it is an ammonite. If it is long and straight, it is a belemnite. And if it looks like a wee fat baby oyster, it is Buchia. That is not always true, but it is mostly true. And, you can proudly say that your new fossil babies are between 164.7 - 161.2 million years old. Wow, right? I know. Mindblowing. If you find something you cannot ID, send me a photo on the Fossil Huntress Facebook page and I will help you to identify it. Oh, and do be on the lookout for anything that looks like bone. This site is ripe for finding a marine reptile. Think plesiosaur, mosasaur, elasmosaur, you get the idea. Maybe the next Indiana Jones to get a new species named for them is you!

Ever seen people in PCOS forums ask something along the lines of... "Is whole wheat pasta okay for people with PCOS?"..."What kind of exercise is okay for us with PCOS?"..."What supplements should I take for PCOS?"Most of us have been there or are there! All we want is some answers. We got that PCOS diagnosis one way or another and thought "great, now I actually have something to pinpoint some of these symptoms to" but what to do next (apart from lose weight and/or go on hormonal contraception and/or come back when you want to get pregnant) isn't as clear as you'd hope for. So you're just looking for something that works. You're trying everything you hear about on podcasts, PCOS facebook pages, forums and on social media but nothing seems to quite move the needle.But when we strip it back, while it makes sense to ask the questions "what foods/exercise/supplements are okay for PCOS" we're actually asking the wrong questions! We want to know what that root cause is and reframe that question to ask "is this food/exercise/supplement suitable for my physiology and my root cause?" because otherwise we end up just cutting out every food under the sun, prioritising endless hours in the gym over other important things and spend ridiculous amounts on supplements that may not even work or be useful for our specific situation! And let's be real, who the HECK wants to cut more things out, spend half their life in the gym and spend hundreds (if not thousands) on supplements? NOT me and I'm sure not you either! So in today's podcast I'm chatting with my team member Sophia all about personalised nutrition and why it's so important — we talk about all the different areas of PCOS and share why there's no one size fits all — as well as how to approach understanding what changes are right for you.It's pretty tough to know whether or not something will actually work for you — especially when you feel like you've tried literally everything under the sun for your PCOS and nothing has worked so far. So why would this be any different?Because we focus on sustainability and making these changes personalised to YOUR root cause. But it's still really helpful to figure out what that could look like, so how can you know if the Protocol is a good fit for you before diving in? Well, that's why we're offering free 15 minute discovery calls! So you can see whether we're a good fit for you and what we can do to help. Plus, if you get into the Protocol and work through the first 14 days of modules (completing all the coursework and modules) and you don't get value or feel like you haven't learned anything new, we'll promptly refund the money you've paid us (minus any transaction fees).  So what do you have to lose? It's time to figure out your root cause, learn how to make sustainable changes that you can maintain for years (not weeks! there's no fast fad diets here!) and help you get on top of those frustrating symptoms so you can focus on the more important things! To book a free discovery call with one of our team, click here.This episode is for you if:You're unsure about the next step to take on your PCOS journeyYou've heard lots of different recommendations on what's “good” or “bad” for PCOSAfter your diagnosis, you tried lots of different lifestyle changes, yet nothing seems to workNo matter how much you work out, you never seem to be able to get the same results as your friends Your specialists haven't been able to give you lifestyle advice beyond what you already knowYou've been let down by other programs and changes before (so it feels like nothing will work for you)Some things we cover in this episode:Why personalised lif

The New England Patriots are now 2-4... What the Heck is wrong with them? While the Ravens are 5-1. Can they get the respect that they deserve? Reigning NBA Finals MVP Giannis Antetokounmpo now has a jump shot! Merch: https://www.amazon.com/s?rh=n%3A7141123011%2Cp_4%3ASportz+on+Tap+Podcast&ref=bl_sl_s_ap_web_7141123011 --- Support this podcast: https://anchor.fm/sportz-on-tap/support

What are the different kinds of gamma ray bursts? What powers them? What do we still have to understand about them? I discuss these questions and more in today's Ask a Spaceman! Please support our amazing sponsors of this episode: Visit Space and Beyond Box. Use the coupon code spaceman at checkout and get $10 off your order, plus free shipping, AND a Bonus Gift! Visit BetterHelp to get 10% off your first month! Visit Brilliant for a free trial and 20% off an annual membership! Support the show: http://www.patreon.com/pmsutter All episodes: http://www.AskASpaceman.com Follow on Twitter: http://www.twitter.com/PaulMattSutter Like on Facebook: http://www.facebook.com/PaulMattSutter Watch on YouTube: http://www.youtube.com/PaulMSutter Read a book: http://www.pmsutter/book Keep those questions about space, science, astronomy, astrophysics, physics, and cosmology coming to #AskASpaceman for COMPLETE KNOWLEDGE OF TIME AND SPACE! Big thanks to my top Patreon supporters this month: Justin G, Chris L, Barbara K, Duncan M, Corey D, Justin Z, Nate H, Andrew F, Naila, Aaron S, Scott M, Rob H, Lowell T, Justin, Louis M, Paul G, John W, Alexis, David B, Frank T, Tim R, Alex P, Tom Van S, Mark R, Alan B, Craig B, Richard K, Steve P, Dave L, Chuck C, Stephen M, Maureen R, Stace J, Neil P, lothian53, COTFM, Stephen S, Ken L, Debra S, Alberto M, Matt C, Ron S, Joe R, Jeremy K, David P, Norm Z, Ulfert B, Robert B, Fr. Bruce W, Nicolai B, Sean M, Edward K, Darren W, Tracy F, Sarah K, Bill H, Steven S, Ryan L, Ella F, Richard S, Sam R, Thomas K, James C, Jorg D, R Larche, Syamkumar M, John S, Fred S, Homer V, Mark D, Brianna V, Colin B, Bruce A, Steven M, Brent B, Bill E, Tim Z, Thomas W, Linda C, Joshua, David W, Aissa F, Tom G, Marc H, Avery P, Scott M, Katelyn, Thomas H, Farshad A, Matthias S, Kenneth D, Maureen R, Michael W, Scott W, David W, Neuterdude, Cha0sKami, Brett, Robert C, Matthew K, Robert B, Gary K, Stephen J, and dhr18! Thanks to Cathy Rinella for editing. Hosted by Paul M. Sutter, astrophysicist and the one and only Agent to the Stars (http://www.pmsutter.com).

What are the different kinds of gamma ray bursts? What powers them? What do we still have to understand about them? I discuss these questions and more in today's Ask a Spaceman!   Support the show: http://www.patreon.com/pmsutter All episodes: http://www.AskASpaceman.com Follow on Twitter: http://www.twitter.com/PaulMattSutter Like on Facebook: http://www.facebook.com/PaulMattSutter Watch on YouTube: http://www.youtube.com/PaulMSutter Read a book: http://www.pmsutter/book Go on an adventure: http://www.AstroTours.co   Keep those questions about space, science, astronomy, astrophysics, physics, and cosmology coming to #AskASpaceman for COMPLETE KNOWLEDGE OF TIME AND SPACE! Big thanks to my top Patreon supporters this month: Justin G, Chris L, Barbara K, Duncan M, Corey D, Justin Z, Nate H, Andrew F, Naila, Aaron S, Scott M, Rob H, Lowell T, Justin, Louis M, Paul G, John W, Alexis, David B, Frank T, Tim R, Alex P, Tom Van S, Mark R, Alan B, Craig B, Richard K, Steve P, Dave L, Chuck C, Stephen M, Maureen R, Stace J, Neil P, lothian53, COTFM, Stephen S, Ken L, Debra S, Alberto M, Matt C, Ron S, Joe R, Jeremy K, David P, Norm Z, Ulfert B, Robert B, Fr. Bruce W, Nicolai B, Sean M, Edward K, Darren W, Tracy F, Sarah K, Bill H, Steven S, Ryan L, Ella F, Richard S, Sam R, Thomas K, James C, Jorg D, R Larche, Syamkumar M, John S, Fred S, Homer V, Mark D, Brianna V, Colin B, Bruce A, Steven M, Brent B, Bill E, Tim Z, Thomas W, Linda C, Joshua, David W, Aissa F, Tom G, Marc H, Avery P, Scott M, Katelyn, Thomas H, Farshad A, Matthias S, Kenneth D, Maureen R, Michael W, Scott W, David W, Neuterdude, Cha0sKami, Brett, Robert C, Matthew K, Robert B, Gary K, Stephen J, and dhr18! Thanks to Cathy Rinella for editing. Hosted by Paul M. Sutter, astrophysicist and the one and only Agent to the Stars. ( http://www.pmsutter.com )   We've added a new way to donate to 365 Days of Astronomy to support editing, hosting, and production costs.  Just visit: https://www.patreon.com/365DaysOfAstronomy and donate as much as you can! Share the podcast with your friends and send the Patreon link to them too!  Every bit helps! Thank you! ------------------------------------ Do go visit http://www.redbubble.com/people/CosmoQuestX/shop for cool Astronomy Cast and CosmoQuest t-shirts, coffee mugs and other awesomeness! http://cosmoquest.org/Donate This show is made possible through your donations.  Thank you! (Haven't donated? It's not too late! Just click!) ------------------------------------ The 365 Days of Astronomy Podcast is produced by the Planetary Science Institute. http://www.psi.edu Visit us on the web at 365DaysOfAstronomy.org or email us at info@365DaysOfAstronomy.org.

Perhaps no prediction has been as consistently made—and as consistently wrong—as the imminent death of amphibious operations. Whatever the changes in warfare and technology, the necessity of amphibious force projection endures, long outliving those who claim its time has passed. Changes in how amphibious operations are conducted, however, are just as consistent. This essential contributed volume arrives at a vital point of transition.  The essays in On Contested Shores: The Evolving Role of Amphibious Operations in the History of Warfare (Marine Corps UP, 2020) highlight both changes and continuities, examining historical amphibious operations as early as the sixteenth century to the near future, describing both lesser-known cases and featuring more nuanced views of famous campaigns, such as Gallipoli and Normandy. With the release of the U.S. Marine Corps' Force Design 2030, this volume gives historians, theorists, and practitioners an opportunity to ground the coming changes in the historical context as they seek to find out what it takes to win on contested shores. Timothy Heck is an artillery officer by trade. A graduate of several military staff schools, he recently finished his MA in the Department of War Studies at King's College, London. His work currently focuses on the Red Army during and after the Second World War. B.A. Friedman is a military analyst and an officer in the U.S. Marine Corps Reserve. He holds a BA in history from The Ohio State University and an MA in national security and strategic studies from the U.S. Naval War College in Newport, Rhode Island. He is a founding member of the Military Writers Guild, the editor of 21st Century Ellis: Operational Art and Strategic Prophecy (2015), and the author of On Tactics: A Theory of Victory in Battle (2017). Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Feeling like your energy and money is vanishing into thin air? With little to show for all that hard, hard work you've poured into your business?   Stop what you're doing (and double-stop what you're doing if it involves learning a new Reels dance that you're hoping will draw in hundreds of new followers) because it sounds like you have a case of 'broken funnel' on your hands!   Right now, you might be thinking; my funnel is A LOT! Where the HECK do I even start? And how do I even know what needs fixing? Is there some magic pill that can do it for me?   Or maybe you're just not making money and you suspect it might be because your funnel is not working, but how do you know where to start fixing it?    This week on The Shine Show, I'm putting on my funnel doctor coat and taking you step by step through the funnel diagnosing process that will help you:   Pinpoint and fix the problem Reclaim your time Stop the bank account drain Put your energy & resources into the things that will make you more moolah and start growing exponentially!   2022 is just around the corner (how scary is that!!) Now is the perfect time to reset, reflect, tweak and get your funnels in tip-top shape and set yourself up for the most unbelievable success leading into the new year!   Grab a notepad for this one, and  PRESS PLAY here! XXX Salome   P.S Nothing makes my heart happier than hearing your feedback from the show. Jump over to my Instagram (@salome.schillack) and message me if you're taking away something from today's episode! What are you fixing first in your funnel? HOW are you getting ready for 2022? Slide into my DMs and let me know!

What would the bye week be without a little Triple Option check-in? You guys know what it is that we do and where you can find us. The Florida State football team didn't have a game but that doesn't stop us from taking the time to reflect on the first half of the season. Heck, we even did a little projecting on the games ahead towards the end. I won't give the whole show away but we also spent a lot of time discussing Travis Hunter. Joining Kevin, Trey, and myself on the newest episode is Ingram Smith of the Nolecast and Brendan Sonnone of Noles247. Both gentlemen were gracious enough to come on and provide insight into the makings and screwups of the first half of the season. Is this program improving? Do we know the damage that occurred in the Jacksonville State game? How important is Travis Hunter to Mike Norvell's future? These are really some of the key areas that we spent most of our time discussing. --- Send in a voice message: https://anchor.fm/tomahawknation/message Support this podcast: https://anchor.fm/tomahawknation/support

New host Andy Patton, the former host of the Score Zags Score podcast and longtime Gonzaga fan, hosts his second Mailbag Monday episode. Topics include: How much will Gonzaga run PnR with Nembhard/Timme? Biggest surprise player on this team? When will Courtney Vandersloot's jersey hang in the rafters? Rui Hachimura is back - how will he do this season? Locked on Zags - Part of the Locked on Podcast Network. Support Us By Supporting Our Sponsors! SweatBlock Get it today for 20% off at SweatBlock.com with promo code LockedOn, or at Amazon and CVS. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. BetOnline AG There is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus. Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Another Monday, another episode bby! This week we catch up on what has been happening, and our recent funk/slump. Then, we share our tips for how to get out of it, and all things Mercury in Retrograde (don't worry it's ending) Mercury in Gatorade for each sign: https://indianexpress.com/article/lifestyle/life-style/sunday-zodiac-mercury-retrograde-sign-7543378/ Follow Along! Instagram: Outgoing Pod Gabi Lexi Youtube: Gabi Lexi Tiktok: Gabi Lexi xoxo love you all! --- Support this podcast: https://anchor.fm/outgoingpodcast/support

God's Final Harvest: Are You Ready?File Size: 66235 kbFile Type: mp3Download File [...]

Part 2: What The Heck Is Functional Medicine? Series:   In this episode of Oh My Heath ... There's HOPE! Jana talks with Judy Hahn. Judy is known as the “it's not all in your head health expert” who helps high-performing executives go from feeling funky to feeling phenomenal. Her clients experience abundant energy and laser-sharp focus in just a few short months, thanks to their collaboration with Judy. She helps them create the optimal health environment they need to thrive, whether they can't sleep through the night, have brain fog, digestive issues, depression, or feel lousy. Each client receives a fully customized program to address their specific health issues and work on the whole person to balance body, mind, and spirit.     "Pause, breathe, and choose joy."     This 30-minute episode is on: 1) 8 of of 9 people, what group are you in 2) Are you walking around talking about what medications you're on? 3) Are you stuck inside the Western Medical Reference Ranges 4) How stress adds to your health conditions 5) Do you feel like your health care provider is not listening 6) Balancing body, mind, and spirit     In this episode Jana and Judy Discuss: What group are you in, are you walking around talking about what medications you're on? Are you one of those people who are stuck inside of the Western Medicine Reference Ranges? How stress adds to your health conditions.     Get in touch with Judy Hahn: https://www.hahnholistichealth.com/ https://www.instagram.com/judybrierhahn/ https://www.facebook.com/hahnholistichealth https://www.linkedin.com/in/judyhahn/   Judy's Free offer, Lower Your Toxic Load: Do you know how many things in your home, your food, your household and personal care products, and even your cookware are affecting your health? Get my freebie on How to Lighten your Toxic Load... https://www.hahnholistichealth.com/lower-your-toxic-load/     Get in touch with Jana and listen to more Podcasts: https://www.janashort.com/ Show Music ‘Hold On' by Amy Gerhartz https://www.amygerhartz.com/music. Free Gift: Free Subscription to Best Holistic Life Magazine: https://www.bestholisticlife.com/   Connect with Jana Short: https://www.janashort.com/contact/  

Part 1: It's not all in your Head Series   In this episode of Oh My Heath ... There's HOPE! Jana talks with Judy Hahn. Judy is known as the “it's not all in your head health expert” who helps high-performing executives go from feeling funky to feeling phenomenal. Her clients experience abundant energy and laser-sharp focus in just a few short months, thanks to their collaboration with Judy. She helps them create the optimal health environment they need to thrive, whether they can't sleep through the night, have brain fog, digestive issues, depression, or feel lousy. Each client receives a fully customized program to address their specific health issues and work on the whole person to balance body, mind, and spirit.     "It's about progress, not perfection."     This 30-minute episode is on: 1) Learning the difference between functional medicine and traditional medicine. 2) Functional Medicine is the WHY medicine 3) Everything in your body is interconnected and how the works 4) Looking at food as medicine and how it supports your body 5) Learning through reintroduction   Jana and Judy Discuss: In this episode, Jana and Judy discuss the difference between functional medicine and traditional medicine. Why functional medicine is called the WHY Medicine, and how everything in your body is interconnected, it isn't just one thing.     Get in touch with Judy Hahn: https://www.hahnholistichealth.com/ https://www.instagram.com/judybrierhahn/ https://www.facebook.com/hahnholistichealth https://www.linkedin.com/in/judyhahn/   Judy's Free offer, Lower Your Toxic Load: Do you know how many things in your home, your food, your household and personal care products, and even your cookware affect your health? Then, get my freebie on How to Lighten your Toxic Load... https://www.hahnholistichealth.com/lower-your-toxic-load/     Get in touch with Jana and listen to more Podcasts: https://www.janashort.com/   Show Music ‘Hold On' by Amy Gerhartz https://www.amygerhartz.com/music.   Free Gift: Free Subscription to Best Holistic Life Magazine:  https://www.bestholisticlife.com/ Connect with Jana Short: https://www.janashort.com/contact/  

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The 80% Approach By Dan Sullivan My name is Tara Bryan. I help business owners break into the next level of success by packaging their expertise into an online course experience. It's my passion to help to find the fastest path to results to create a greater impact and income for you and your tribe.Check out my free Step-by-Step guide to building your online course. In it are the top steps and questions you need to ask before you get started. Check it out here: https://goto.learn-academy.online/free-guideThis group is 100% focused on support, knowledge and example sharing, and building a community of online course builders who are passionate about building awesome learning experiences.In this community, we are passionate about building learning experiences that produce results for our learners. We do that by building engaging, motivating, gamified, and learner-centered courses. We come up with ideas and strategies to ensure that our learners can thrive and succeed in our product.To learn more:Find us at https://www.Taralbryan.comHere are two ways we can help you grow and scale your online course business:1. NEED TO CREATE YOUR ONLINE COURSE?Join LEARN ACADEMY - Learn Academy  is the best Done-with-you Step-by-step Implementation program that will help you create, sell, and launch your online course.  2. ALREADY HAVE A COURSE?Join THE COURSE EDIT - The Course Edit is a program that will assess your current online course to take it to the next level. Maybe you have a course that isn't selling or one that people aren't completing (therefore not remaining customers) then it is time for THE COURSE EDIT. 

CFL, USFL AND USFL news this week on a truly “jam-packed” show.Jeffrey Pollack is out as president and CEO of the XFL, the USFL is potentially setting up shop in Birmingham, Alabama and we have all your CFL week 11 news to cover as well.Dave Campbell, colour analyst for the Edmonton Elks joins us to figure out what the HECK is going on with the quarterback position in Edmonton. Trevor Harris is out, Taylor Cornelius (cough cough a former XFL quarterback) and Dakota Prukop will both dress as QB 1 and 2 for their game Friday against the Winnipeg Blue Bombers. Dave and Reid try to make sense of the mess in Edmonton and what they can possibly do to turn their season around.Scott Radley of the Hamilton Spectator and 900CHML stops by on the Hamilton Ticats “bye” week to chat Grey Cup standings, Toronto attendance issues (yes it's still worth talking about) and who he seems leading the East headed into CFL week 11. Gemma Karstens-Smith of the Canadian Press also makes an appearance to talk about America's CFL team the BC Lions who will be facing the Calgary Stampeders at home this Saturday with Reid and Dorothy of The Markcast in attendance. Will the “bye” week help the Lions? What will the team do without Lucky Whitehead?? We discuss.Finally Dylan Smith of Yellowhammer News graciously comes on the show to go in detail about his latest report on the USFL setting up a “bubble season” in Birmingham, Alabama with FOX Sports leading the charge. Where "Has Brian Woods name been brought up?" "Where is the money coming from?" "Where did the TV numbers come from?" "How long has this been in motion?" “Who owns the USFL trademarks now?” These questions and more asked and answered.If that wasn't enough, Ben Fischer from the Sports Business Journal reports that the XFL is parting ways with league President & CEO Jeffrey Pollack, effective immediately. What does that mean for the other alternative-football league, when will we see an announcement of the forever rumored “Chief Football Officer”? We discuss and break it all down.Plus we have our big 1500 subscriber giveaway announcement, we chat Rod Black's retirement, Hamilton hosting the 2021 AND 2023 Grey Cups, Jake Maier testing for the big “C”, Vernon Adams Jr.'s injury, the potential of Nick Arbuckle being traded, CFL TV ratings and attendance numbers, and even some FAN CONTROLLED FOOTBALL NEWS BABY for those still keeping up!

Dave Homyak is a former engineer that quit his job to go into short-term rental properties full time. Dave runs Smokey Mountain Cabin Realty, helping investors maximize their returns by investing in rental properties in Tennessee. In this episode, Dave shares his investment journey, how he quit his job, how he 1031s his way into bigger properties, what his returns look like, the most powerful price points to get into, and some tips for investors thinking about getting into this game.         https://www.facebook.com/dave.homyak https://smokymountaincabinrealty.com/ --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: Hey, everyone, welcome to another episode of The Remote Real Estate Investor. I'm Michael Albaum and Today we have with us Dave Homyak, who's going to be talking to us about short term rentals out in the Smoky Mountains of Tennessee, and what he did to leave his job is under two years with these types of investments. Without any further ado, let's get into it.   Hey, Dave, thanks so much for taking the time to hang out with me today. Really appreciate it.   Dave: Yeah. Thanks for having me.   Michael: Now, my pleasure. For our listeners who don't know you give us a brief background, who you are, Where'd you come from? And how'd you get started in real estate?   Dave: Okay, so basically, I was an engineer, I did engine calibration for a living, I worked for Chrysler, Detroit, diesel, General Motors, bunch of companies like that, and always wanted to do something in real estate, but quite honestly was afraid to do it. So my first investment property I purchased at 53. And the reason I purchased it is because I wanted to be able to get away from my W2 income. And I had had some money saved up I thought I'd pretty good saver. But I was like, what would it take to make me feel like I can walk away and not have any anxiety whatsoever?   And the answer was pretty easy. It's like if I replace my income, then I can walk away and do anything I want. And it's gonna, I will not have to ever worry. And so basically, I set the goal for myself to replace my engineering income in two years with real estate. And I was able to do it in a little bit under a year. And that was due to getting into short term rentals. And I ended up doing it in what I had kind of researched somewhat to the best of my ability at the time. But then what ended up is that an independent third party which is airDNA they ranked it as the best market in 18 best market in 19. It's three of the top six large cities in 20 and I'm waiting for the latest report to come out and I'm sure it's going to be in the top again.   So bottom line is I happen to buy in the one of the best markets and my research indicated that was a good plan. I had no idea that it was going to work out the way it did as quickly as it did though.   Michael: That's incredible. And so we've got to ask Where is that market?   Dave: Said market is in the Smoky Mountains, which is Eastern Tennessee, the three major cities are Gatlinburg and Pigeon Forge, and Sevierville. So Sevierville is the one that people haven't heard of as much but it's equally profitable and made the air DNA dotco list basically ended up you know, I made the decision looked into apartment syndication knew I could replace my income with that didn't know if I could add it to your timeline, ended up deciding on the Smokies. I looked at the Smokies panhandle of Florida, which is also a good choice. I think Smokies are a little better. Less hurricanes there. I really wanted to go into Panama City. And that got hit about a year later. And I'm like, Oh, I'm so glad I don't have to mess with that stuff.   Michael: Dodged the bullet.   Dave: Yeah, exactly. And then Scottsdale and I ended up going to the Smokies. So started this search and started trying to figure out what I was going to do in March of 18. April is kind of apartment syndication month. first weekend in May, I actually went to the Smokies to look for the first time and ended up seeing six cabins tried to make a decision on three, picked one bought it. So end of May I had that up and running it worked great over the summer, bought another one in August and then bought a third one in November.   And in December I got when the General Motors was offering buyouts and I said, I think it's time to go. And my, my goal was actually to probably stay with General Motors through July. And basically they said if you leave now we'll pay you through July. So I said okay. I can start on, on my leaving and yeah, and all the healthcare and stuff like that that goes with it. So yeah, it worked out really well.   Michael: Fantastic. So what about the Smokies attracted you? They're just out of curiosity.   Dave: So the thing that attracted me was there were people that were making a lot of really good cash on cash return. So one of the things that makes the Smokies a lot different than most other markets and in the panhandle Florida it's fairly similar. But all these things are second homes they're sold turnkey. So if you have to furnish, if you have to buy silverware, if you have to put in beds, TVs, all that stuff, that's just more money that you're gonna have to pay. When the Smokies there's basically two contracts that get written when you buy a house.   One is the purchase agreement for the cabin or the chalet, whatever your choice may be. There's a reason that chalets sometimes work a lot better than cabins and mainly due to supply and demand issues of buyers. But you also write a purchase agreement for the entire contents of the house. So you know, you have here's the cabin price, the chalet price, and for $1, you get the contents. So I literally am closing midweek, and that weekend, I have it rented out. So that's one of the benefits of you don't have a whole lot of downtime. And the second benefit that I didn't even know about at the time or didn't, didn't have nearly as much of a priority on as I do now when I help other investors is the whole regulation.   So in the Smokies, there's not that many hotels, they cannot take nearly as many visitors into the hotels is a built up entertainment, venues, things like that. So there's no way that they can go in like they do in other cities and say we want to ban short term rentals or we want to regulate heavily short term rentals. And, you know, play that regulatory card in make what used to be a really good investment not nearly as good of an investment. And I think you see that in the panhandle of Florida, as well as the Smokies, but I like the Smokies a little better just weather wise stuff like that.   So yeah, I mean, then the other thing is, there's a couple loans that are available down there that I'm not sure if they're available nationwide, I know they're available down there, but there's a 10% down second home loan. So if you're, if your intention is to spend 14 days or more in that property that you're buying the first one down there, you can get a second home loan on it. And that's a fantastic way to get into that market. Because you know, most investment properties you're not going to get for 10% down, right, and certainly not investment properties, you know, that is a primary residence you can put down last but for secondary to put down 10% is pretty crazy.   And then the loan that just, it still makes me smile, it's making me smile right now, and I've talked about it hundreds of times with different investors is there's a 15% down investment loan. And to qualify for the loan, you have to project what the income of the cabin is. And if the cabin throws off enough income, that qualifies you on a debt to income ratio. So for example, if the cabin is gonna throw off $5,000 a month and the payments gonna be 2000. And you're maxed out on debt to income right now. You know, if you're at 40%, guess what, you still qualify because of a cash flow project. It's a cabin with projected cash-flow of 5000 a month, and that cash flows enough to cover the the mortgage payment.   So it's just, it's like one of those things that you're like, I'm pretty I get I've actually checked with my like, once a year, I check with my loan officer, the person that I've used just is this still a thing? Yep, still a thing. And I'm waiting for somebody to say I'm not sure that should be a thing. You know, but it still is now. So even if you're even if your debt to income is fairly high, you can still qualify on the for the investment loan at 15%.   Michael: That is just incredible.   Dave: Yeah, I, it makes me smile, every time I tell somebody, I still can't believe it.   Michael: Yeah, I'm still trying to wrap my head around it, it doesn't seem to make sense. But if it's a thing, it's a thing.   Dave: At least for me, when I've used an investment loan down there, like the property actually made the money it wasn't like you had to stretch your make something up, like I think it's gonna make 10,000 and it makes five or something like that. It's more like if it's going you know, I said an honest five, the payment I think was 16 or 1700 a month and and it did make the five a month that I said it would.   And then where it gets really interesting is once you show them once you show the mortgage company a Schedule E and prove that it made what you said it was going to make, you now qualify for another one the next year. So basically, you can get one of these a year, as long as you wait until after you file your Schedule E and give that to the loan officer. And then if you are married, you know and if you're playing in two person mode two player mode, then you and your wife can both do one a year on that plan. And then the next year you can both do one on that plan.   Michael: Oh my gosh.   Dave: So it's a way to build, build a portfolio very fast and that market is still one of the best markets when it comes to cash on cash returns. So even though there's been a lot of appreciation, the nightly rates have gone up a lot, they had about 2000 cabins burned down in 2016. And before COVID came in, they had I think five developers come in and start to build. And it just the nightly rates have just gone up and up and up. And it's just one of those places that when the when the economy does well, that place does well, the Smokies do well. When the economy does poorly, the Smokies do well, why 60% of the United States is within driving distance of the Smokies.   And smokey, Great Smoky Mountain National Park is the most visited National Park. And in 2009 2010, visitorship actually went up when the economy was doing poorly. And when people are like, what how do you Why do you think that happens? You know, I explained, you know, if, if you're afraid about the economy, you're not flying to Florida and taking a one week Disney Cruise, but you're still gonna want to go on vacation. So you're saying you know what, I'm going to drive to the Smokies, I'm going to rent a cabin for three days, we're going to do this thing on the downlow. It's going to be nice, but it's not going to be as extravagant. So I think even when things slow down.   There's, I obviously know a lot of people that invest down there and kind of one of the one of the questions that that we asked each other is what am I missing? It seems like there's really big upside, and not a whole lot of downside. And we haven't come up with anything. Yet that makes it scary. What am I, I very well may be missing something. But I've asked a couple guys and we can't figure it out.   Michael: So I mean, I just I love hearing all of this because as I was sharing with you when we connected before the podcast here, I just 1031ed into a property down there and severe bill. And so I'm very excited now to to get that up and running right here. And this only makes me even more giddy.   Dave: Yeah, yeah, it's pretty, it's pretty cool. I guess the other thing that I've done that I think is interesting, I think your listeners will find interesting is, the other thing I do is as an engineer, I don't sit still very well. So I'm constantly analyzing my properties. And I've owned five, but I keep trading up and 1031ing up. So for example, 2018, I bought a three bedroom, a four bedroom, a five bedroom, middle of 19, I look and I say hey, the five bedrooms doing better than the four, the four bedrooms doing better than the three. And they've all been appreciating, I know, I think I'll sell this three bedroom. So it's underperforming the other two.   So I sold the three bedroom and it had gone up enough that I actually use that 10 1031 money as a down payment on an eight bedroom. So very directionally correct eight bedroom does really well it costs me basically you know the downpayment that I put on the three bedroom and then just this you know the sale on the transfer the money to control an eight bedroom a year later. And there are different people that are doing that. So some are on a never sell anything. And I get I get some people upset on some of the real estate investment forums because they say, What's some of the worst real estate investing advice you've ever heard. And I say buy and hold and they say oh, they just don't like that.   And I'm like, I think I'm doing okay with it. And maybe I should have kept them all and just bought other ones. And then the other thing I ended up just recently doing is I sold the first cabin I bought which was a four bedroom, and I 1031ed did into this ultimate killer, like five bedroom the most incredible views. Just amazing. So that's kind of the other half of the coin is when you're looking at a lot of the when you're when you're looking to do Airbnb anywhere, when you take a look at the market. And if you if you buy the airDNA data, what you're going to see is, especially when you start to well, bigger places are there are less bigger places. So you're going to get outsized demand for the supply of bigger places, so you're able to charge more more bedrooms is better. In the Smokies a view is better a pool in the basement is better.   And what you're also going to see is that if you're running at 95th percentile property, your gross is double what your what a 50th percentile property's gross is going to be. So that isn't if you're running a 95th percentile property, your profits going to be double because you're already making a profit at the 50th percentile, it means your profits going to be you know, times three times four times five, because you've already got your expenses paid at 50th percentile. So anything about 50th percentile You really need, yeah, that's just money in your pocket.   So you really need to, I was, you know, I've made, I've made some mistakes along the way that have cost me someplace between, like a pretty lot of money and just like a lot of money. There are no small mistakes that I did. So, you know, one of the mistakes that I made was, well, if I can put 10% down, this will be I'm going to try not to put much more money and like, if something breaks, I'm going to do it. And looking back on it, there's a couple things that I could have upgraded, that wouldn't have been a big deal. That would have netted me more money in the long run better reviews. You know, when you look at that delta between the 50th percentile in the 95th percentile, it's amazing. So it's, it's worth, it's worth doing that and not kind of being gone on to put in 10%, I'm gonna try never to put another penny in unless something breaks, you know.   Michael: That's worth the upfront investment. So yeah,   Dave: It totally is worth the upfront investment. And even if it's in, let's just say it's, it's not, let's just say you only have the 10% of the closing costs, you know, the other thing is you're making, you should be making a couple 1000 a month anyway. So I mean, in two or three months, you're gonna have 567 $10,000 to spend. So maybe you wait a couple months, and then you put in, you know, the new the new furniture in the living room and refilled the pool table or whatever, get the better hot tub, whatever it is, when you feed that back in, I ended up just selling a place. And it's just doing some, I have some friends that also have properties that are identical, like literally identical to mine like same layout, same view, 50 feet away, and we were talking some numbers. And you know, they did, one guy did a really over the top renovation, his numbers were crazy, and one guy did a milder renovation. And I would I was doing some math of what it would have taken me to put in that and it'd been like under 10 grand. And basically, he was kind of he was out grossing me by about 10 grand, like, Oh, you put in the 10 grand and for the last three years, I could have made 10 grand instead of I save 10 Grand 30 grand Got it.   Michael: Right.   Dave: So it's it, you know, my mind is a is a work in progress for maximizing all these things. Well,   Michael: That's the engineer in you I totally get that as a reformed engineer myself. We get that.   Dave: Okay. Yeah, totally. Dave, I'm curious to get your thoughts because I'm sure that there are people that would argue that there are Smoky Mountain equivalents all over the place, I can invest anywhere in the country and make a good return. What are your thoughts on that? And how do you kind of narrow in on some hot markets?   Dave: I agree that you could probably make the same money. If you dig into 95th percentile stuff, if you dig into all this stuff that makes money. I think it's harder to make money in other places. And what's really interesting is what the how I made more money inn the Smokies, I've made more money, I've made significantly more money in the Smokies with appreciation than I actually did from Airbnb. So if you're making crazy cash on cash, which you still can kind of do, if you know where to look. And your appreciation is outpacing your cash on cash. That's the thing that I think some of the other markets lack. And I've known people that have had places that you know, guy that was in, in place just outside of Denver, and he was killing it in his neighborhood. And I forget if it was him, or his, basically the two of them where they were doing Airbnb in there and it got banned, and all of a sudden, everything's gone. Or you do it in some small place that maybe you're making money. But you know, how do you get that out? And how do you find the investors to come in behind that? Do they know that's a hot market?   So I think a lot of people concentrate and obviously the rental arbitrage people are just doing a just a strictly cash on cash thing. But I think if you look on, if you look at the markets that are being rated by air DNA, I think you're going to have a better overall return. Because other people are just being pointed to that direction, and they have the proof that they need if there's any, if there's any fear of the numbers, the books being cooked, whatever, and you know, some far off market, the middle of Wyoming, whatever I don't know. I mean, I've heard some really interesting numbers of people buying places in the Midwest with pools during COVID, they just they just annihilated because kids want to swim and people have money and if you couldn't go to the public pool and your kid really wanted to swim, guess what you're dropping top dollar, you're gonna beat out the other guy to get that lock in that place with a swim pool, even though it's a less expensive city. So I mean, those guys didn't really well, they're going to do now that the public pools are kind of open, I don't know.   But I think overall, I trust the air DNA data. And I think the cash on cash is available in other places, I'm not sure the appreciation is as much.   Michael: Okay. And so you actually help people find properties out in the Smokies, is that right?   Dave: I do. I do. I that wasn't my goal, my. So my goal straight up was, I was an engineer, I took my bite out, I said, I get to do whatever I want. And I don't like I don't sit still well. So I'm like, I am going to learn to fly airplanes. And my goal is to fly jets. So my goal was to fly for Delta. And so I'm like, I got my private pilot license, I got my instrument pilot license, made it halfway through commercial license, and then kind of like, the whole real estate thing kind of blew up for me.   And in even before I started working, about halfway through the commercial, or excuse me, halfway through the instrument license, I started to get people asking me, Hey, can you kind of help me do that? And can you help me find some of the best performing properties. And I think, because of the engineering background, and because I'm not afraid to do the numbers, and because I'm not afraid to run some spreadsheets and stuff like that, I'm able to better explain to some of the more technical science, math investors, why this makes the most sense. And I'm able to make them feel comfortable enough to invest there.   So I'm getting a lot of clients that have never invested anywhere, I'm getting a lot of 1031 clients, but they see the numbers and it's just like you can't not do it. And that's, it's, it's one of those things that you know, right now, depending on depending on the cash on cash that you're looking for, a lot of a lot of the places don't work. But if you know where to look and and how to make it work. It's a lot easier and, and it's one of those things that it's like, even with, even with MLS access down there. A lot of the agents don't put in the numbers that you need to see. So there's a lot of calling and texting and stuff to dig a lot of this stuff out to make sure that your clients are getting the best stuff. And I think that's what myself and my teammate do better than a lot of other agents is dig out those numbers and make our clients comfortable that they're getting some of the best returns that they can in one of the best markets.   Michael: That's awesome. So Dave talked to us a little bit about what some of these properties that we're talking about cost. And what are some of those cash on cash return numbers and metrics that you that you're seeing.   Dave: Rght. So yeah, when I got started, things were a lot cheaper, it was a lot easier. But the crazy thing is the numbers were slightly better when I got started. But they're still pretty righteous right now. So right now, it's very difficult to find, but I am finding some clients 60% cash on cash returns, I'm finding people between 40% and 50% cash on cash on a fairly regular basis. But yeah, there's, there's just some places that are under priced a little bit. And that's why you're looking just to see what it can do. And there's so many, one of the things I don't like about the Facebook forums, any Facebook forum for Airbnb, is the amount of people that say that nobody should ever take a course.   And I never took a course. And all these people said, are telling these brand new people don't take the course. And I added up what I didn't know and how much it costs me. And it's, it's like 40 or 50,000. Like if I'd taken the course I would have saved myself easily 40 or $50,000. And I'm like, You have no idea how much you can spend on a course and save money. So one of the things that we're seeing down there when we're finding these properties, right is there was somebody that was just bragging that they just filled their last two nights for 2021. And I just thought, boy, you're so underpriced. If you have your entire thing booked up every last day that that just tells me you're leaving a lot of money on the table.   So it's a combination of what you know, kind of what numbers they're generating, currently what their calendar looks like. You know, if they're completely full and they have pretty high gross while you know there's a lot of room, a lot of upside. There's just a bunch of different things like that, that we're using to find properties. And just the straight math is if you find some property compelling enough to pay $100,000 more for it. That's great. Down to roughly $500 a month in principal and interest payment that breaks down. So let's break it down to short term rental terms, you're going to rent it out list, it's going to be under 500. But we'll just call it 500. For the easy math, let's just say you're going to rent it out 20 days a month, now, in the summer, there's no you're renting it out 20 days a month, you're renting it out a lot more than that. But let's just say 20 just to make the math very conservative.   If you rent it out 20 days a month. That means whatever you paid $100,000 more for. If you can charge $25 a day, $25 a day more. For that additional amenity you're breaking even. And if you can charge $26 a day more, you're making money. And guess what have you cost in the Smoky Mountains? About $100,000? Can you rent a cabin for more than $25? A day more? If you get a view? Heck yes. Can you rent to you know, can you rent a five bedroom instead of a three bedroom for $25? More day? Heck, yes.   Yeah, there's so many of these things. So bottom line is if you look, if you want to do just straight math, and let the math guide you to what you need to buy to have the best cash on cash, you're starting to get into more expensive properties. And you know, that basically, kind of up to any price works several million is is fine. If you have the financial ability to do that, things start to make sense, things make a ton of sense. And like 750 $800,000 range, you're still making money in just about any range, you know, 300, 400,000, but you're not making as much and you don't have as much cushion.   So there's a lot of people that are like I want to start small, and I want to and I'm like you, I will be happy to help you find and buy anything you want. But let me explain to you why starting small, in my opinion is more dangerous than starting with something that's making 5-6- 7, 000 a month, right? Because guess what, you can lose 567 1000 a month and you're still breaking even versus you know, if you're making 1000 1500 a month when something goes wrong, you're now making nothing and you may be coming out of pocket. I never want to come out of pocket.   Michael:: This is mind blowing day. This is such good stuff.   Dave: Yeah, cool. So glad you like it.   Michael: As as we wrap up here and let you get out of here. What's a final takeaway that first time short term investors to be thinking about that they want to get into short term rental game? What are some of the hardest lessons that you've learned that you can help people to hear from?   Dave: One of the things I see people do is I want to stay so if there was a post I saw that said I visit Detroit on a regular basis, I want to stay in Detroit. I think I'm going to get a short term rental in Detroit. I say I will pay cash for wherever I want to stay. And if I want to stay in Detroit, I'll pay cash that I've earned in the Smokies are one of the top markets. I'm I'm very big into what's the least I like to earn money. But what I really like to do is earn money with less effort. So if I can have five or 10 places in Detroit, that earned me the same money as one place in the Smokies. I'm going with the Smokies all the time, or the panhandle of Florida or, you know, right now some of the other really hot ones Joshua Tree, Broken Bow. Some other places like that northeast corner of Pennsylvania.   There's a bunch of other markets, but I want I don't want to have I see a lot of guys do like a 40 or 50 person, kind of, or 40 or 50 property, you know, rental arbitrage grinding these things out. And that's just not me. I would say try to get the one that has the best cash flow and go from there.   Michael: Path of least resistance.   Dave: People trust me and people tell me things that they probably wouldn't tell other people. But if you knew, and you would never get any of these people on your podcast if you knew how much money that I know that friends have burned through attempting to do short term rentals poorly like 50,000 a year 75,000 a year just I thought I'd try this house. I thought people would really like it. And they didn't it's like go with the proven method, click the stuff that's working. Don't try to reinvent the wheel. You know, go to where there's 1000s of other people that have already done it.   That's the big mistake that I see people do that cost them lots of money and lots of time in the end and I don't know and just here's my other just general real estate investing advice. There's a friend there, I have a friend of mine who's very sharp. And he's basically he's put together a portfolio. He's mid 20s. And he's put together a portfolio that now basically makes him financially independent, he makes more money from his real estate portfolio than he does from his day job.   And it's like, just ask guys like that, or ask me or ask y'all like, I have this idea. What do you think? And you know, he's very happy to help people. I'm very happy to help people. I'm like, yeah, I'll jump on a call for five minutes. Tell me that you want to invest in, you know, I don't know, some, you know, I'll either tell you how to figure out whether it's a good idea, or I'll tell you why it's a horrible idea just to begin with, you know, avoid places with regulation, avoid places that you might lose money, avoid anything that you can make a couple $100 on, like, why are you doing that? Make 1000s? Like, think big. Like, it's not that much harder to do. It's actually easier. So I guess that would be the other. The other thing I would steer new investors too.   Michael: That's so so good day. Well, it kind of in that vein, how can people reach out to you to get a hold of you if they want to either invest with you in the Smokies or just want to bounce some ideas off of you.   Dave: I'm on Facebook. So Dave, homie, AK on Facebook is a way to reach me, you can message me click on me, whatever. I have a website, SmokyMountaincabinrealty.com and smokey is SMOKY. And if somebody wants to sign up, I have some introductory investment, zoom classes like a 60 minute thing. And I kind of explained what I think is important when finding an investment. I obviously say that the Smokies are a pretty good place to invest because I believe that so those would be the two the two main places to get in touch with me there's SmokyMountainCabinRealty.com, or DaveHomyak.com.   Michael: Alright, Dave, this has been great. One final question that I want to ask you. Because it seems like you are so hyper focused on one particular market. Do you think it's make sense to diversify and invest across multiple different states? What are your thoughts there?   Dave: Excellent question. I am hyper focused on the Smokies because I know those returns are incredible. I'm not necessarily saying somebody should invest in the Smokies only or the panhandle of Florida. I'm saying follow the numbers. I really have an issue with people that have multiple properties in multiple cities. And they're not doing a comparison of how much you know how much money they're earning, and how much time they're putting in. And there are properties that they have that are doing better and there are properties they have that are underperforming and It baffles me why somebody would want to waste their time on an underperforming property instead of cut that one loose and upgrade so I just wish more people would run the numbers.   Michael: This has been so great thank you again for taking the time to hang out with me and I know we'll be chatting soon because we're fellow smokey guys now   Dave: Yeah awesome really appreciate you having me on.   Michael: Take care talk soon.   Alrighty everybody that was our episode a big thank you to Dave super super cool story and I'm just total fanboy because as I mentioned the episode I also recently invested in a smoky so I'm very excited to hear that the outlook is positive. As always, if you liked the episode, leave us a rating or review wherever it is this your podcast and we look forward to seeing the next one. Happy investing

Hear from defensive coordinator Steve Spagnuolo (:48), offensive coordinator Eric Bieniemy (11:45), defensive backs coach Dave Merritt (21:02), cornerbacks coach Sam Madison (27:21), defensive line coach Brendan Daly (34:51), and offensive line coach Andy Heck (41:15). Learn more about your ad choices. Visit podcastchoices.com/adchoices

Understanding what the vagus nerve is and how it works in your body is one of the single most important things you can do for yourself! We have a fascinating guest, Deb Dana, LCSW, who is a clinician, consultant, author and speaker specializing in complex trauma. She also developed the Rhythm of Regulation clinical training series www.rhythmofregulation.com to help clinicians and she lectures internationally. Deb says, “It's not so much what happened to you, it's how your nervous system responds to what happens to you.” Understanding this will give you freedom and a sense of calm. Don't miss this fascinating interview!

Apple has released a security update for an actively exploited vulnerability, but only for iOS 15, not iOS 14? What are they doing? We also discuss how Apple sometimes offers security updates for older versions of macOS, but not always. Show Notes: How to Use Focus to Limit Notifications in iOS 15 and macOS Monterey iOS 15.0.2 fixes new “actively exploited” vulnerability Tweet by Denis Tokarev Researcher discloses several zero-day iOS, iPadOS vulnerabilities NSO Pegasus spyware can no longer target UK phone numbers Josh's Objective by the Sea talk: n-1 and n-2: Should we really trust in you? An examination of macOS security updates Intego Mac Premium Bundle X9 is the ultimate protection and utility suite for your Mac. Download a free trial now at intego.com, and use this link for a special discount when you're ready to buy.

I've always been fascinated by the oddities in life. Heck, it's probably why my book has “weird” in the title—life's just a bit more fun when there's some strangeness involved. That's probably why I'm so excited to chat with Marc Hartzman, a person ABCNews.com called “one of America's leading connoisseurs of the bizarre.” Marc has deeply researched all kinds of entertaining topics, from the disembodied head of Oliver Cromwell to the tallest folks to ever live. He's focusing on the supernatural in his latest book: Chasing Ghosts: A Tour of Our Fascination with Spirits and the Supernatural. You'll learn all about paranormal investigators like Ed and Lorraine Warren (who inspired The Conjuring franchise), famous ghosts like the Bell Witch of Tennessee and the Greenbrier Ghost of West Virginia, haunted sites like the Stanley Hotel and the Winchester Mystery House, plus a whole lot of other spooky subjects. We've got plenty to talk about in this eerily enjoyable episode (look at that alliteration!) so grab a seat and some Halloween candy and dive in.

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Intro Background (2:22) Let's talk supervillain parents. How do you go about modelling good behavior for your kids when your own behavior tends to lean towards world domination? Do you try and create a Little Lord of Destruction to follow in your footsteps and eventually take your place? Or did the parenthood switch actually flip and you're horrified at the thought of your kids taking after you, leading to you doing everything possible to try and break the cycle? And if it's the latter, how do you do it? Do you go the Tony Soprano route and just keep them far away from your activities and just give them the best life possible so that they'll never want for anything and never have to turn to crime? Oops, now they're spoiled brats who lack empathy and act hurtfully towards others without a second thought. Do you abandon the kid and stay far, far away from them so your corruptive influence will never touch them? Oops, growing up with an absent parent is actually a major contributor to a lot of social problems. Do you shield them and try to live a double life as a mundane workaday respectable person? OK...that's a major time bomb waiting to go off when they discover the truth. Or do you decide the kid's worth going straight for? Ahh...there's the rub. 1. The ones who want their kids to follow in their footsteps, actively groom them to do so, succeed at it, and feel no remorse about it. The one that springs to mind immediately is Senator Roark from Sin City. Evil, ruthless, cunning, and sadistic to the core, his boy Junior (That Yellow Bastard) is every bit of his father and then some. I'm sure there are others, but he's at the top of my list. (4:16) 2. The ones who want their kids to follow in their footsteps, but fail at it miserably for one reason or another, and the kids become heroes. How the parents feel about it varies; there are lots of examples, but my favorite is definitely Darkseid with Orion. Mortal enemies, destined to fight to the death and both very willing to do so, but buried in the subtext all those decades (and finally stated in Countdown to Final Crisis when Orion "kills" him) is that Darkseid is secretly very proud of what a fierce, bold, renowned warrior Orion has become, even if it's all being pitted against him. (8:30) 3. The "do as I say, not as I do" parents. These are ones who desperately want their kids to be good, but they're not willing to model good behavior themselves and give up their lives of crime. Most of the members of The Pride qualify -- I think Xavin's wanted him/her to eventually grow up and be a Skrull overlord, but for the most part, they just want their kids to have normal happy lives and go to great lengths to keep their supervillainy from them. (15:06) 4. The "give my kids everything they could want so that they won't need to be criminals" parents. Best example I can think of is definitely Tombstone. When he's not away in prison, he gives his daughter Janice everything. Spoils her rotten. Eventually gives her a first-class education at Columbia Law. She worships him and wants to be like him, but he's horrified that she would stoop to follow in his footsteps; he got her that law degree so she'd never have to. And besides, as he says, a lawyer's work is basically crime that you can't get arrested for. (And really, he's not wrong.) Of course, she becomes The Beetle. (22:26) 5. The ones that are horrified at the effects their villainy has on their kids, and desperately want to change and go straight. Easy example is The Lizard. Curt Connors became The Lizard almost entirely by accident, and devotes nearly every lucid moment alternating between trying to cure himself and mitigating the damage to his family that his episodes cause. And he either must be really really good at it or Martha and Billy Connors are saints for how much they put up with from him. Until Martha dies and Curt has to change Billy into a Lizard to cure him of the Carrion virus. #BecauseComics. (30:20) 6. The ones that unconditionally love their children whether they're allied with them, fighting against them, or don't want to have anything to do with them one way or the other. They'd do anything for them and fly to their side in their times of need no matter what. Hello, Magneto. That one's obvious. A slightly different dynamic would be Galactus with Silver Surfer. The arcs written in the last 20 years by JMS and Greg Pak have really showcased an entirely different dynamic between the two. Surfer will always be Galactus' creation and still finds himself at odds with him from time to time, but the two will help each other out if the other needs it at the drop of a hat. Surfer understands Galactus a lot better, and to the extent that Galactus as a cosmic entity is capable of such things, I think Surfer is clearly his favorite herald, and he has an infinite capacity for forgiveness no matter how many times he rebels. I liken them to a father and son where the son has grown into a mature adult himself. Even if they don't have a lot in common, they're always family, and they'll always have an unspoken bond. (38:48) Break (46:18) Plugs for BetterHelp, Ignorance Was Bliss, and Gail Simone Treatment (47:54) This isn't even one of those themes where I have to stretch it to find a real-world analogue. Lots of us were raised by parents who didn't model great behavior for us. Heck, in our generation, half of us grew up with broken homes, and a lot of those situations led to one parent being absent and barely raising us if at all. There have been libraries worth of sociological and macroeconomic studies that have detailed the effects. If you're a prospective new parent who's fortunate enough to be aware that you're a very flawed person who needs to avoid passing on your negative tendencies to your kids, how do you go about doing it? Ending Recommended reading: Comics. Just read comics. Next episodes: Squirrel Girl, Wiccan, Donna Troy Plugs for social References: Shang-Chi episode - Anthony (1:22) Damian Wayne episode - Anthony (12:53) Ant-Man “Be the hero she already thinks you are” - Anthony (28:24) Apple Podcasts: here Google Play: here Stitcher: here TuneIn: here iHeartRadio: here Spotify: here Twitter Facebook Patreon TeePublic Discord

01:17 - Danielle's Superpower: Empathy & Communication 01:56 - Going From the Hospitality Industry => Tech * @CodeSchoolQA (https://twitter.com/codeschoolqa) / twitch.tv/thejonanshow (https://www.twitch.tv/thejonanshow) 04:58 - Education Technology (https://tech.ed.gov/) (EdTech) * Disruption = Reinvention 07:18 - Anthropology + Tech / Working With People * Anticipating Needs 10:25 - Making Education Fun + Inclusive * Cultural Relevance * Revamping Outdated Curriculum * Connecting With Kids 16:18 - Transitioning Into Tech 27:57 - Resources * Learnhowtoprogram.com (https://www.learnhowtoprogram.com/introduction-to-programming/getting-started-at-epicodus/learn-how-to-program) * Documentation * YouTube (https://www.youtube.com/) * Community * #TechTwitter (https://twitter.com/search?q=%23TechTwitter&src=typed_query&f=live) * Virtual Coffee (https://virtualcoffee.io/) * Twitch (https://www.twitch.tv/) 32:39 - @CodeSchoolQA (https://twitter.com/codeschoolqa) / twitch.tv/thejonanshow (https://www.twitch.tv/thejonanshow) 34:08 - The Streaming Revolution * New Opportunities For Connection * Hybrid Events * Introvert Inclusive * Accessibility * Reaching New Markets 39:45 - Making Tech Safe, Secure, and Protected * Greater Than Code Episode 252: Designing For Safety with Eva PenzeyMoog (https://www.greaterthancode.com/designing-for-safety) 44:03 - Advice For New Devs: Work on Technical Things Sooner Reflections: Mandy: The secret in tech is that nobody knows what they're doing! Danielle: Ask questions and lean into community. Tech needs you. Arty: Don't be afraid to reach out to community members for help. This episode was brought to you by @therubyrep (https://twitter.com/therubyrep) of DevReps, LLC (http://www.devreps.com/). To pledge your support and to join our awesome Slack community, visit patreon.com/greaterthancode (https://www.patreon.com/greaterthancode) To make a one-time donation so that we can continue to bring you more content and transcripts like this, please do so at paypal.me/devreps (https://www.paypal.me/devreps). You will also get an invitation to our Slack community this way as well. Transcript: ARTY: Hi, everyone. Welcome to Episode 254 of Greater Than Code. I am Arty Starr and I'm here with my fabulous co-host, Mandy Moore. MANDY: Hey, everyone! It's Mandy Moore and I'm here with our guest today, Danielle Thompson. Danielle is a newly minted software engineer working in the education technology sphere of the nonprofit world, after making a major career change from working in hospitality and events for many years. As a code school graduate herself, she loves to help demystify tech for others with non-traditional backgrounds and works to open doors into tech with her friends at Code School Q&A, weekly on Wednesday nights at around 7:00 PM Pacific at twitch.tv/thejonanshow. Outside of work, she can typically be found with a nose buried in a book, hanging out with her doggo, and making delicious craft beverages. Welcome to the show, Danielle! DANIELLE: Thanks so much for having me, Mandy and Arty! MANDY: Awesome. It's great for you to be here. So before we get into the meat of our conversation, we always ask our guests the standard question of what is your superpower and how did you acquire it? DANIELLE: Totally. I think that my superpower is a combination of empathy and communication. I think I came by both pretty naturally—popped right out of my mom having both, I'm assuming. But both have definitely been amplified over the years by all sorts of experiences and hardships and just keep working to make them even more of a superpower. MANDY: That's really great. So I want to know about before we dive into your experiences as a new developer, I wanted to know about how you came into technology from your career change in hospitality, because I did the same thing. I was a waitress when my daughter was born 10 years ago and I was working for about a year before I was able to walk out. It was Mother's Day, my boss was being a complete jerk to me, and I was making enough money at that point that I just said, “You know what? I don't need this. I quit,” and I started my career in tech full-time. So I'm curious about your journey as well. DANIELLE: Yeah. Obviously, COVID has happened in the last couple of years and that was one of the major factors in me getting to this point of leaving hospitality and getting into tech. But I had already kind of been thinking about what comes next. I've been a manager for a few years and was trying to figure out how else I could grow and what new things I can learn and challenge myself with. And outside of ownership, which is a major headache, there wasn't really much that I could push further into, within hospitality. So when COVID happened and I lost my job because I was working as an events and bar manager for a local catering company, it was pretty obvious that things were not going to be coming back for the hospitality industry anytime soon and I needed to figure something else out then. And so, I started looking into different returning to education opportunities because I actually have an anthropology degree, of all helpful things that I could have gotten a degree in. But I found a code school in Portland, Oregon and jumped on that within a few months of COVID hitting to the full-time track and connected with a number of my cohort mates that we started doing the Code School Q&A on Twitch with the director of developer relations at New Relic and have been doing that for almost a year now and have officially made it in the industry as a software developer, too in the last few months. So you can do it, you can get into tech. [laughs] It's pretty funny, too because the type of job that I ended up getting is in education and technology sphere and I actually had a job in ed tech about a decade ago when I was still in college and had a remote job working with some family friends that got me hooked up with their company. And here I am doing something a little bit more in-depth technically than I was doing a decade ago, but it's funny how things come full circle. ARTY: Well, education in particular is something that also really needs some reinvention and innovation and with all the disruption, where do you see that area going? Just curious. DANIELLE: Yeah, absolutely. I feel that a lot of the changes that we've seen in COVID with remote work being such a prominent thing now and people wanting more balanced, more time with their family, more time with their critters, more time just not being miserable and commutes and stuff. I think that that's going to have a really long-term effect on how education happens and trying to make education more quality as well. I think it's really rad what the company I do works for. Our whole mission is to work to make education in America more equitable. So we do that by working very hard to work with experts in the curriculum sphere that ensure that our curriculum materials are as inclusive and culturally relevant as possible, that they are representative of a large and diverse group of people, and they even do a ton of anti-racism work as well and work to embed that within our internal and external culture, as well as the products that we create. So I hope that our company will continue to grow and make changes in the education world in America in general, because I think what we're doing is really, really, really important. ARTY: Definitely important and with all the change and stuff happening, I'm expecting some new and cool and exciting things that do make things better. One of the upsides of lots of disruption is it's an opportunity for us to sit back and rethink how things could be. DANIELLE: Yeah. ARTY: And one of the benefits of not being entrenched in the existing fields of the way things have been is it's also an opportunity to look at all the stuff we're doing with a fresh set of eyes from outside of that existing world and bring some new fresh insights to tech. Maybe my anthropology degree will come in handy in some different sorts of ways. I imagine some of those skills that you learned in that have some applicability in tech as well. Have you found your degree helpful in other ways? DANIELLE: It's funny. I think I ended up using my anthropology degree as a bartender far more than I ever would have as an actual anthropologist. That whole study of humans thing is something that is directly translatable to working with people no matter what field you're in. I feel that both my anthropology degree and my many years of hospitality experience have all led to a specific skillset that is very different from a lot of people that come into tech with more traditional backgrounds especially folks that go to college and get computer science degrees, and then they go to the tech industry and that's all they've ever known. I've known so many other experiences outside of that and my ability to think about what other people need and want, to be able to respond to that, and embed that in all of the work that I do as an engineer to really be thinking about the user and the people that are interacting with whatever I'm building and even just thinking about working on a team and how I have so many communication skills built up from what I've been doing for work in hospitality for many years. I think that it definitely gives me a very specific and unique way of moving through the world and way of being an engineer as well. That anthropologist hat definitely comes into play sometimes thinking about like, “Oh, like how do all of these dots connect?” and like, “How does this change over time and how do you see people like doing things differently now?” It's a definitely a fun lens to carry with me. MANDY: Yeah. Having been done hospitality, I'm just shaking my head because – [laughter] I know I've brought so many skills from being in that world for 10, 15 years at one point. DANIELLE: Yeah. MANDY: Just the way you talk to people and interact with teams and anticipate what other people need before they even know what they need, that's definitely a skill. DANIELLE: Yeah, definitely. I think that whole anticipating needs thing, too, it's like it can be both an internal and external benefit where you can think both about who you're building products for and also who you're building products with, and how best to communicate within teams, especially having management experience. That is definitely at the forefront of my brain a lot of the time, but then also thinking about like, “How can I make the best experience for somebody else that's actually going to be using this? How can I make this easy and intuitive and fun?” Especially within education, have to make sure that things are fun and interesting targeting kids that are K-12; it has to be meaningful, impactful, interesting, and engaging. MANDY: So how do you do that? What are some ways that you and your company make education fun for young kids? DANIELLE: I think I'm still figuring that out. We have many curriculum products that I'm still just touching for the first time, or haven't even looked at it yet and so, there's lots of fun, new things to discover. But I think the types of people that we bring on to work at my company, they're all experts in their field and renowned for the work that they do and so, I think that the quality of people that we bring into work with us and the kind of commitment that they have to work towards making education better and more inclusive, that is incredibly important. And how they also do an immense amount of work to make not just inclusivity a part of the major formula, but also that they work to make things culturally relevant. So like, thinking about how to tell stories to kids that actually means something to them today. I don't know, a weird example is thinking about some outdated curriculum that's talking about using a landline for a phone, or something. Kids are like, ‘What's that?” Actually integrating modern things like cell phones and things like that into the curriculum where kids actually touch that and use that every single day so it means something to them. Whereas, outdated curriculum that is just some story to them. It doesn't have tangible meaning. Being able to bring that into materials is really important to keeping things engaging and also, relevant and fun. MANDY: So the time when little Tommy was walking to the Xerox machine. DANIELLE: [chuckles] Yes, yes. MANDY: Somebody brought up a Xerox machine the other day. DANIELLE: Oh wow. MANDY: My goodness. DANIELLE: [laughs] Yeah, definitely. But I think it's just a constant looking at how we do things, and making improvements and making real connection with the people that are actually using our products to use. That both means working with teachers and getting a better understanding of what is helpful to them, what makes things easier for them, what helps them bring better quality curriculum to their classrooms? But then I think it's also connecting more directly with those kids that are engaging with our curriculum, too and figuring out what works and doesn't work for as many parties as possible. I think that's the anthropologist hat coming on again like, how can we bring as many people to the table as possible on the expert side, on the academic side, on the teacher side, on the student side? And even working to bring families to the table, too and looking at how families interact and not just parents, because it's really important to know that kids don't have just parents that are taking care of them—sometimes it's grandparents, sometimes it's foster families. And really thinking about a wider range of who is around these kids, and how to get them onboard and make things easy for them to interact. ARTY: It seems like getting into tech and these new tech skills that you've learned are also relevant in figuring out how to teach kids tech because we've got this new generation of kids coming into the world and learning how to code becomes more like learning how to read and write is fundamental skills move forward in the future. Are there ways that some of the things that you've learned through your own tech experiences you can see application for in education? DANIELLE: Absolutely. From what I've been seeing, I feel like there are a lot more resources out there for teaching kids how to code and teaching them more things about technology. I think that's amazing and should totally keep happening. I think having been a bit more focused on adults in my own outreach for helping people find their ways into tech I might be a bit more acquainted with reaching out to those folks. But I'm sure that that intersection of being in education for K-12 students and this passion that I have of helping to find their way into tech, or build more technical skills because they are skills that are so transferable in many industries. I'm in education, but I have a technical job. So there's lots of ways that those technical skills can be incredibly valuable and frankly, life-changing. The amount of opportunity and even just financial stability that can be found within tech is one of the main reasons that brought me to this industry and has really been a life-changing opportunity. It has opened so many doors already and I'm just like three months into my first developer job. Even before I was ever actually officially an engineer, I was able to find community and able to find an outlet for helping others and outreach to immediately turn around and hold a handout to try to help others make their way into tech as well. I hope to continue doing that work in more meaningful and impactful ways over time, and have wider and wider reach as well. ARTY: You had mentioned earlier about some of the difficulties of getting into tech and some of the challenges with finding resources and things that you were specifically missing when you actually showed up on the job. I'm curious, what was your experience like going through coding bootcamp and what were some of the gaps that you experienced that once you got on the job, you were like, “Oh, I didn't learn that.” DANIELLE: Yeah, definitely. Coding bootcamp was an incredibly grueling experience for me personally. I was on a full-time track six-month program and [chuckles] not having much technical experience whatsoever outside of editing my Myspace profile back when that was a thing and having [laughs] about a decade ago doing some basic HTML, CSS editing and maintenance for the company that I worked for an ed tech originally. That was what I was working with when I started coding bootcamp. So it was a real hard learning curve and a very fast-paced program for me to just dive into headfirst. My poor partner was like, “I basically didn't see you for six months. You were just a basement dweller at your computer constantly.” I would literally get out of bed, roll myself downstairs, get to my computer with a cup of tea in hand, and I would stay there until easily 10:00, 11:00, 12:00, 1:00 every night just trying to keep my head above water. But a few months in, things started to click and I wasn't fighting with all of these computer puzzles [chuckles] trying to do this. Like, I always feel like learning coding languages is a combination of algebra and a foreign language. So at a certain point, my brain just started getting into that better and things started making sense. That was a very exciting moment where I got much less miserable [chuckles] in my code school experience and in the pace at which I had to move to keep my grades up and everything. But the gap in between finishing code school and actually getting that first job is also another often-grueling process. There's so many jobs open in the tech industry, but basically, it's mid-level and above. It's like, I think two-thirds of the industry positions that are available are for mid to senior roles versus one-third of roles that are for junior associates. That is a big struggle, especially if you're not able to lean into community and building real connections, just sending applications out to the ether and never even hearing a peep back from companies. I think that whole experience, it's really hard for yourself esteem, especially having put in many months around the clock of work towards this new career that you've been told that you can get, that you can achieve. It's almost as much as a process getting that first developer job as it is to actually build those tech skills. I think one thing that is so important to stress in that in-between time is to lean into community, to connect with as many people as you can that are already in tech, even if they don't exactly have a developer job. Like, talk to anybody that will let you talk to them—talk to people in QA, talk to developers, talk to managers, talk to project managers. That was one of the things that I felt I needed to do early on in my coding experience to really have a better understanding of what was even an option for me of getting into tech and what could all these different jobs look like, and then making that transition to actually getting the first job. Yay, hooray for first jobs and being employed again. But I think one of the things that has been most striking in that change for me is going from this incredibly grueling pace. 8:00 in the morning, or so until 10:00 plus at night, non-stop coding for the most part, and then going to a 9:00 to 5:00 job where I can also make my own hours and I can take appointments as I need to. Like, I can go and get a haircut if that's something on my schedule and it's cool. As long as I'm getting my work done and showing up and contributing to my team, things are fine. So that transition of like, “Wait, I don't have to be at my computer a 1,000% of the time?” [laughs] and the pace at which you learn things, too is just much slower because you can have balance. That transition of feeling like you're not doing enough because you're so used to this hefty schedule, that's been a major transition for me. I think also coming from hospitality, too where you have to be there in person and oftentimes, somebody is going to call out sick at least every other week, or so. So you might be working like a shift and a half, or a double. There isn't a lot of balance in the service industry, especially now with COVID adding so many extra layers of complication to how that job works. Being able to just be like, “I need to go make a doctor's appointment,” and can just do that. It's like, “Okay, cool. Just put it on the calendar. You don't really need to tell me. As long as it's on the calendar, that's great.” [laughs] That transition has also been very strange. And I think maybe just the trauma of [chuckles] working in hospitality and not being able to just be a human sometimes and now all of a sudden, I'm like, “Oh, I'm a human and that's allowed? Okay.” Still have to check in with my boss frequently about like, “You sure it's okay? You sure it's okay that I'm a human, right? Yeah.” [laughs] MANDY: [chuckles] That was one of the things that I really loved coming into tech was the scheduling, open schedule, making my own hours. DANIELLE: Yeah. MANDY: And you're right, it was very strange at first. When I was waitressing, it was just always a go, go, go kind of thing and you had to be there, you had to be on, and if you didn't have tables, if you had time to lean, you had time to clean. DANIELLE: [chuckles] Yeah. Always be closing. You know, ABCs. [laughs] MANDY: So yeah, sometimes I still find myself on a random Thursday. I'll have my work done and I'll just be sitting here and I'm like, “Why are you sitting at your computer? Go do something, then check it and if there's stuff there –” Like, you don't have to have your ass in the seat from 9:00 to 5:00, or 8:00 to 4:00. You don't have to sit here for 8 hours and just stare at your inbox waiting for work. It's totally asynchronous and it's totally okay. I find myself having to give myself permission to leave my desk and just go and do something and work that asynchronous schedule. So tech is a really big blessing when it comes to that. DANIELLE: I totally agree. I think also, not being neurotypical myself, I have ADHD, and so, being able to actually allow my brain to work in the way that is best for how my brain just naturally operates. Like, I can sit at my desk and fidget constantly, and it's not going to bother anybody because I work from home, [chuckles] or I can shift between sitting and standing and sitting on my bed, or sitting on my stool and just move at my desk as much as I need to. I can also step away and go clean some dishes if that's what's making noise in my brain. I can go and take my dog on a walk and get some fresh air. That whole shift of having balance and being able to be empowered to advocate for what I need and how I learn and people are like, “Yeah, cool. Let's do that.” I think that's also very much a part of the company that I work for and the ethos that we have, which is all about making education better. So why wouldn't that also translate to the staff and how can we help you learn? It's such a wonderful thing to be a part of a team that's super invested in how I learn and helping me learn. I think another thing that was a big, strange thing about my transition into tech was I ended up getting a junior engineer role in a tech stack that I hadn't worked with, which is pretty common from what I've heard from mid engineer on. Because once you have some of the foundational building blocks of a handful of programming languages and some of those computer science foundations, you can pick up most programming languages. But it's not so common as a junior engineer to get that opportunity to work with a full tech stack that you haven't really worked with before. So that was another big transition like, “All right, you trust me time to figure this out.” ARTY: So it sounds like you walked into another big learning curve with your new job, too. It sounds like you were also in a much more supportive culture environment with respect to learning and things, too. What was the ramp-up experience like at your new company? DANIELLE: In some ways, I still kind of feel like I'm in ramp-up mode. I'm about three months in. But because we have so much of our product that is built around very specific curriculum components, that has very specific contextual knowledge, it's just going to be a process to figure out which projects have what information and have certain numbers of records, and are tied to certain standards that are required in different states and for common core versus for some of the states that we work with, what that looks like. But figuring out a whole new tech stack was and continues to be a very interesting challenge. I have to remind myself when I have gaps in my knowledge that it's actually to switch gears back into learning mode, that that is a thing that's supported and encouraged even. I even have little sticky notes on my desk that say, “Start with what you know, not what you don't know,” and that tension of when I reached the end of what I know and then going and finding maybe not necessarily the right, or correct resources, because there's so much out there that's good. That can be helpful. I think it's more about finding something that does work with how my brain learns things and being cognizant of how I learn. But also, remembering to dig into that fate that is being a developer, which is constant learning and ever-growing evolution of how we do things, and what things we do within the sphere of the developer. So I've signed up for perpetual learning and that's pretty great. MANDY: What are your favorite resources that you used and continue to use as you're still learning, and finding community, and things like that? DANIELLE: Yeah. I have certainly continued to lean on the curriculum for my school. It's online and it's free and that's rad. It's learnhowtoprogram.com. It's all put on online from Epicodus in the Portland area. Anybody can access it and that's wonderful. I'm a big fan of really great resources being available for free and making that more accessible. So continuing to use platforms that have that kind of ethos in mind is pretty great in my opinion. Reading the documentation is another great way to keep learning what you need to learn and sometimes documentation can be kind of dry, especially as a new developer, you don't always know what exactly it is that you're looking for. So being able to parse through documentation and figure out what's most important, but then also filling in the gaps of some of the things that you don't yet know, or understand with YouTube videos, or deeper dives into like, what does this one specific term mean? I don't know, let's go find out and plugging in some of those gaps is really helpful. I think figuring out how you learn, too whether that be very hands-on, whether that be visually, whether that be with audio, getting lots of repetition in; it's super helpful to lean into whatever works best for your brain for learning. I think perhaps even more important than digging into resources that are online is lean into community. I really can't say it enough, build community. If you work with Ruby, like I work with Ruby, build community within the Ruby community. Connect to people online, get on Twitter, connect to tech Twitter, follow different people that work with the languages and the tech stack that you work with, and join places like The Virtual Coffee and other really rad developer spaces that are meant to help you find the answers that you need and to maybe do it in a way that's a little less arduous because you're with people that are like, “Yes, happy helper.” Like, “How can I make things easier for you?” It seems like a much easier way to go through tech when you can do it with others and remember, that there are human resources out there for you, too. MANDY: You also had mentioned that you were connecting with folks over Twitch. DANIELLE: Yeah. MANDY: Can you tell us a little more about that? DANIELLE: Absolutely. So a friend of mine in my Epicodus cohort, she reached out to the director of developer relations that had done a lunchtime chat with us at one point and she was like, “I don't know what I'm doing. I am so stressed out. I don't know if I can actually finish this school and let alone finish school, but actually make it as a developer and I have questions. Do you have some time for some answers?” And he was like, “Yeah, do you want to actually do this online on Twitch? And how about you bring a couple of friends and let's just ask lots of questions and I'm going to record it?” She reached out to me and another friend of mine and here we are many months later still answering questions online about how to get into tech and what even are some of these things that we're talking about technically, or let's look at other roles outside of just developer, or engineer, that you can get into. So that has been an ongoing theme of how can I help others? How can I help provide community for people that might not have been as lucky as I have been to already have a preexisting community with many of my friends and my partner that were in tech? How can I help create that advantage for others and how can I help reach more people and help them understand what their options are and connect them to the people that need to know to get jobs? I think Code School Q&A, we are super, super excited about open doors for people to whether that be better knowledge, whether that be real human connection; what's most important to us is just supporting people as they are making transitions into the industry like we've been doing over this last year and a half. MANDY: So what is the Code School Q&A look like when you join? Walk me through it if I were to show up, what would I get? DANIELLE: Absolutely. So there's generally four of us on the stream and we ask a handful of questions, whether that be from our own experiences of like, “Okay, I'm a developer now and I've got some questions about some of these transitions that I am experiencing.” But we also lean into the audience as well and see what kind of questions they have, whether that be folks that are still in code school, or folks that are thinking about maybe potentially going back to school, whether that be computer science in a university setting, or bootcamp, or even self-taught people. We even have a number of folks that are already in their careers, too that are there to reach out and chat and provide additional feedback and support. So I really feel like it's a bunch of friends just getting together on Wednesdays and that group of friends just keeps building and expanding. It is very much like a support group, but it's also fun. Like, our first question of the day is what are you drinking and how are you doing? Because we all hang out and chat, and drink while we're talking about how to get into tech and definitely try to make it as fun as we can and crack jokes and interrupt one another and it's a good fun time, but helping people is what's most important. MANDY: And this is all live? Unedited? DANIELLE: All live. Unedited. Yes, yes, and 7:00 PM-ish AV is a whole beast in and of itself. I just had to set up a Twitch stream for the first time in this whole time of streaming over the last year. I've been writing my princess pass and just shown up [chuckles] for every Twitch stream and now I know how much goes into that. I still had probably another few hours of set up to get past just a minimum viable product of we need to be online on the interwebs and you need to be able to hear and see me. Got there, but it's a whole thing. MANDY: Twitch is certainly interrupting the industry, I believe. DANIELLE: [inaudible]. MANDY: Especially since the pandemic. All of a sudden everyone's on Twitch. We're doing conferences live, we're doing like – how do you feel about the whole Twitch revolution and how is it different from how people traditionally came and connected in tech? DANIELLE: Yeah. Having been in events myself—that was part of what my role was within hospitality—I personally really love that there's now this whole new opportunity for connection. I think it also makes connection way more accessible because folks that were already living some kind of quarantine life because of autoimmune disorders, or disabilities, or whatever that looks like, they couldn't easily make it to those conferences and now they have a way to connect with those conferences because of hybrid events. I think it's a really rad innovation that we're seeing and it's a really wonderful way to even just as an introvert. I'm like, “I don't have to leave my house to be able to see my friends and have a good time? Yes! I am super interested in this.” I can – [overtalk] MANDY: [inaudible]. DANIELLE: Yeah. I can hang out with my dog and give him scritches whenever I want, and still see my friends and build community within tech. Heck yes. Very interested in this. I think that accessibility feature that it provides is just, it's really wonderful to know that more people can become a part of tech communities because there's now this whole online outlet for folks that couldn't otherwise afford a flight to get halfway across the country to make it to this conference, or couldn't afford to get in the conference. There's lots of ways that just makes things more accessible. MANDY: Do you think it's going to continue much beyond the pandemic? Like, do you think when it's all over, we're just going to be like, “Oh, we're back to conferences,” or do you think this is going to continue to the streaming and the slack chats and the live Q&As and things like that. Do you think that's going to continue? DANIELLE: I hope so and I think so. I think that even just from a business sense, you can tap into whole new markets by having this addition of hybrid events. You can reach a whole new subset of markets and I think quite frankly, it'd be kind of foolish to not take advantage of the new ways that we've figured out that we can still have meaningful and authentic community. [chuckles] There's definitely a way to monetize that and I'm sure plenty of people out there doing it, but I think it's also given voice to people that couldn't previously access those spaces and now they're like, “Don't take this away. This is community. This is this is what I've built,” and I think people are going to be willing to fight for that and I think that companies will see the business benefit of continuing to do both. ARTY: So anthropology question then. [laughs] DANIELLE: Great. ARTY: How do you think this will affect us as a society of connecting more virtually instead of in-person in that we're significantly more isolated now than we were before, too in terms of in-person connection? How do you think that's going to affect us? DANIELLE: One of the first things that comes to mind is infrastructure has to change. I think that support for higher speed internet across the states across the world has become much more of a priority that is striking to people, especially thinking about kids having to figure out how to do online school. All of a sudden, when COVID first hit, some kids didn't have access to the internet, let alone a computer, or a tablet, or a phone that they could go to class and do their homework on. So I think that we're going to be forced to make technology and the internet more accessible by building better infrastructure to support those things and I think it's only a matter of time before there is better social support for getting technology in the hands of kids, especially, but getting them devices. Like, I know there are a number of initiatives out there that are giving small grants and stuff for people to be able to get computers, or tablets, or whatever and I think that we're going to just keep seeing more of that. Hopefully, fingers crossed because it's super important to be able to keep connection moving and I think keep moving our society in the right direction. ARTY: So do you have any concerns about that as well as how –? We all get plugged in and are affected and in not so good ways, too. On the flip side of that, where do you see things going? DANIELLE: My partner is in InfoSec. He is a security person. So that's definitely my first thought like, how do we keep the things that are most important to us and that are now online? How do we keep those things secure and safe and protected? Figuring out how to fill the gaps that are inherent within the security industry right now of there's just not enough bodies to fill all the jobs and build all of the security that needs to be built and maintain those things. That's going to be a whole new ball game that tech has to figure out and it's going to take a lot of manpower to make sure that we can protect people and protect the things that are most important to them, and even just protect those communities, too. Make sure that those communities can continue to thrive and also, be carefully moderated and curated so that there is safety for people to interact; that there is less bullying happening online, that there is less hate crimes that are being perpetuated online. Creating safe spaces for people and providing agency for them online is a whole new ball game when we're not even really that great at doing so in real life, in-person. There are a lot of groups that are going to have to fight harder to be heard, to be seen, to feel safe, and I think that's just an ongoing thing that we need to work at being better at. ARTY: So we need ways to improve the connectivity community stuff and then also, need ways as we do those things to create safety in our communities. DANIELLE: Absolutely. MANDY: Yeah, we just had a really great discussion with Eva PenzeyMoog about two episodes ago. She wrote the book Design for Safety and it was an excellent, excellent conversation about ways that as designers and engineers, we should be building our infrastructure safe from the beginning and not just going back – [overtalk] DANIELLE: Yeah. MANDY: And doing it after the fact, but realizing who the most vulnerable people are and protecting them from the get-go. DANIELLE: Yeah, absolutely. I think that's actually something that my company works really hard to do while we're designing our curriculum products is designing from the most vulnerable within our communities and using that as a starting point for how we build things and how we continue to maintain them. Because if you can keep the folks that are most vulnerable in mind, more people are actually going to be allowed to be safe, allowed to have agency, and allowed to grow. It's a far more inclusive space when we can think about the folks that don't always have access, or don't always have safety, or don't always have agency and designing with those people in mind first. MANDY: And that's how we'll end up filling all these empty seats right now that are available in tech – [overtalk] DANIELLE: Exactly. MANDY: Is by not eliminating these people, designing a safe environment from the start, and attracting different kinds of people into tech because tech needs more diversity. DANIELLE: Tech needs more diversity. Yeah, absolutely and I think that's one of the reasons why I keep doing Code School Q&A is because I want to see more people that look like me in tech. I want to see more people that don't look like me in tech. I'm very excited to bring as many people to the table as possible because I think that's when we also get the most creative and innovative. When more tool sets are brought to the table, more diverse experiences are brought to the table, we build far more robust systems, products, and things just get better when we have more differences from which to pull and more experiences from which to learn. MANDY: As we said in the beginning, you're a fairly new developer. So I wanted to ask you the question: what was one thing you wish you knew, that you know now, that you would have known back then? If you could give Danielle advice a year ago, what advice would that have been? DANIELLE: I think that advice would have been to start actually working on technical things sooner; to start digging into the educational materials that were provided for me for free before I ever started school. I think that actually digging into those materials and having the courage to not just wait until I was in a classroom setting to be able to interact with coding languages and learning how to program, I would have had such a less fraught time getting through school and giving myself the opportunity to get a bit of a head start and more of a foundation before just diving in head first and hoping that I kept my head above water. But I think also, again, leaning into community and not being afraid to ask for help, not being afraid to advocate for myself because it took me a good 2 and a half months before a really felt like I could speak up and say what I needed. That's 2 months of time that I could have been getting more of what I needed, getting more help learning faster and more efficiently, and just being less miserable in the early stages of learning and entirely new skillsets. So don't be afraid to ask for help. Don't be afraid to advocate for yourself. I think especially as a woman coming into a technical space, there is some extra fears of not looking like I could do this, or not feeling like I belonged not knowing what I was doing. But the thing to remember was that nobody knew what they were doing; we were all figuring it out together in that school program. Being the one to be like, “Hold up, this is not making any sense to me. Can we start this over again? Can we dig into what's happening here?” Often times, other people were like, “Oh, I'm so grateful you said something because I also don't know what's going on.” MANDY: Well, with that, I think that's an amazing thing to end on and we can move over to reflections, which I can go and start off with right away is that's the secret. Like, nobody knows what we're doing in tech. DANIELLE: [laughs] Nobody knows, no. [laughs] MANDY: Nobody knows. DANIELLE: Nobody knows yet. MANDY: That's the secret. Ask questions. Lean on your community. There are so many people out there. I know you mentioned tech Twitter, #techTwitter. There are so many nice amazing people that will have your back if you just put those questions out there and even say, “Hey, tech twitter, anybody free? Do you want to pair?” They'll be like, “Yeah, let's hop on for an hour, or two,” and especially right now is when people aren't really doing much again. [chuckles] People are out there. So again, it's a secret. Nobody knows. DANIELLE: [laughs] Yeah. I think I am totally on board with your reflections for the day lean into community and don't be afraid to ask questions. I think it's so important to know that tech needs you. Whoever you are, tech needs you and whatever valuable skillset you bring to the table, whatever diverse experiences you bring to the table, it's needed. You need more people that aren't traditional and whatever that looks like. There is space and there is need for you. I think come and ask your questions at Code School on Wednesdays. We need generally every Wednesday, 7:00 PM Pacific time. We are happy to answer your questions and help connect you to the people if we don't know answers because none of us totally know the right answer most of the time. MANDY: And how can people do that work? What's the URL? DANIELLE: Yeah. Come visit us at twitch.tv/thejonanshow. We also have Code School Q&A is participating in Oktoberfest, too. So you can find us on GitHub by looking up the Oktoberfest hashtag tag and you can find us on Twitter at Code School Q&A as well. MANDY: Awesome. ARTY: I just wanted to add that a little bit with lean into community, I was thinking about Mandy, when you were mentioning your story, when I was learning electron new technology I didn't know. I had this code base that I had to learn. I didn't know what was going on, I was frustrated, I couldn't get anything working, and then I tweeted and asked for someone to pair with me. Lo and behold, some random person from the internet was like, “Sure! I'd be happy to help! Let's meet up air on this,” and I managed to get over the major hurdles I had with getting my environment to set up and getting unstuck, figured out how to run the debugging tools, and all those things really happened as a consequence of nothing afraid to reach out. Even when you might feel like you're struggling with these things alone, there really is a community out there and people that are willing to jump in and help and I think that's really great cool thing. MANDY: All right, well with that, I think we're pretty set to wrap up. If you want to join us you are in Slack. Danielle will receive an invitation to join us as well in our Slack community. It is a Patreon where you can fudge to support us monetarily on a monthly basis. However, if you're not comfortable with that, or do not want to, you can DM anyone of the panelists and we will get you in there for free. So with that, I want to thank you, Danielle, for coming on the show. DANIELLE: Thanks so much for having me for a great conversation. MANDY: Awesome, and we'll see everyone next week. Special Guest: Danielle Thompson.

This week we dive into hell. Not literally, we don't literally go to hell, we figuratively dive into the topic of eternal damnation. Wags and Matt kickoff a series on the devil and his home by going over their personal backgrounds and also a brief over view of popular beliefs about the Big Hot.

On this week's episode of MuggleCast, we follow up on our original character discussion on Credence Barebone, aka Corvus Lestrange, aka "Aurelius Dumbledore"? Wading deep into prophecy, including forming one of our own using Nostradamus, the hosts try to answer the question: "Just what is going on with Credence?" Listen as we find some answers by reviewing the scenes and subplots of Fantastic Beasts: The Crimes of Grindelwald. We heard from the creator behind Harry Potter Database and its astonishing collection of deleted and unreleased movie scenes! The surprise main character in Crimes of Grindelwald is Credence Barebone! Micah points out why this is more usual than unusual. Filmmakers chose twice not to include a scene where Credence survives his bout with MACUSA, both the end of the first film and the start of the second. Would such a scene have been an improvement? What brought Credence to "Circus Arcanus," and is it all one master manipulation from Grindelwald that has set Credence on his path to find his 'family'? What do Credence's name origins tell us about the character, for his various names? We revisit an old e-mail which explains how Greek mythology may influence the future of the character. The hosts read aloud the predictions of Tycho Dodonus... and try to identify characters within. Could the "son cruelly banished" be somebody else, like Albus Dumbledore? Eric reads key passages from the script book which lends a little insight into that humongous shipwreck. Does the script book quietly reveal an important element? We revisit major theories about Credence including, is he Ariana's twin? Does he have her Obscurus? Is he really Corvus Lestrange, or a science experiment made by Dumbledore and Grindelwald? The hosts pick some numbers at random, and consult Nostradamus himself for a prediction of the future! Quizzitch: What was Leta Lestrange's mother's name? Submit your answer! This week's episode is brought to you by Quip (get your first refill free at GetQuip.com/muggle) and Thirdlove (Get 20% off your first order at Thirdlove.com/mugglecast)

Martha clarifies what real love is and what it isn’t. She defines authentic love exemplified in God and reacts to comments that abortion should be considered an “act of love” that “saves lives”. Dr. Tim talks about how the way we think (our mental attitude) about another person affects the way we interact with them.  […] All show notes at Martha Fernandez-Sardina, Cultural Degradation of Real Love; Dr. Tim Heck, Incorporating Prayer in Your Marriage - This podcast produced by Relevant Radio

Episode 365 -- The Oakland A's bullpen needs some work. Heck, the A's roster needs to make some additions. So every Tuesday this offseason is Fat (Free Agents/Trades) Tuesday, where Jason goes over some free agent or trade targets the A's should consider going after. Today, Jason is shooting for the moon and trying to add a couple of solid bullpen pieces with a couple of attributes the A's 'pen has been missing in recent seasons. Subscribe to our YouTube channel! Get social with us: @ByJasonB + @LockedonAs Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. BetOnline AG There is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus. Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Sometimes, seemingly intelligent people do things that make zero sense according to logic.     You see that in fitness and nutrition all the time.   Heck, you even see it with everything going on in the world today.     I know that if you listen to today's episode of my podcast, you'll connect some dots and become more powerful because of it.  

Episode 174 | Everywhere I go and everyone I speak with... they're tired. It's an exceptional feeling of being run down, more easily stressed or pushed into "snapping." The kids are tired, the teachers are tired, all of the people are tired. Heck, my dogs are tired. Being tired looks like more emotions, less regulation, more behaviors, increase in anxiety and depression symptoms, less socializing, and so much more. So why? What is going on? Today I talk about why this is happening. Layered Growth AcademyThe Layered Growth Business CourseBuy Motherhood Stripped!Check out freebies here. Join Erin in her free Facebook Community, Same Boat Huddle.Find resources, information and connect with Erin through her website. Follow Erin on Instagram or Facebook

Everyday you have the chance to show up for yourself, your family and your community in a myriad of ways.  On hard days, showing up feels nearly impossible.  Heck, some days it is impossible.   As we endure the most relentless of seasons, there are a number of ways you can show up, one small step at a time - to keep up your drive, your sense of self, and a bit of momentum.  Showing up in small ways over a long period of time makes a really big difference in the entire trajectory of your life.  How do I know this?? Because I'm the poster child for showing up in small ways one million times over again.  It's what I do.  It's how I built an award winning fitness business.  It's how I built this podcast (that's nearing 600 episodes), it's how I kept going when infertility felt like it would win over and over again. Showing up doesn't have to be a big production.  It can be small, simple steps that keep you moving forward just a bit at a time - enough to help you see that you are actually moving forward.  In this episode, I share 7 simple ways you can show up for your life.  Practicing any one of these will have great impact over time.  Let's keep showing up, my friends. Link mentioned: Join Traci and me for Traci's virtual book launch on October 20th: Social Justice

As a freelance designer, you will face peaks and valleys while running your business. I've said it before, and I'll repeat it. There's nothing better than working for yourself. From deciding who you want to work with to how much you want to charge for your work. Being your own boss is, well, liberating. As your own boss, you get to set your own hours. Want to waste time during the day and work at night? That's your prerogative. Feel like getting away for a few days? Go ahead. You don't need permission to take time off. When you're working for yourself, you get to chose where and how you want to work. If you feel like spending the day at a coffee shop working away on your laptop, you can. If you feel like hunkering down at home to avoid all distractions, go for it. As a self-employed designer, a freelancer if you will, you have the freedom to make your destiny. I don't think there's any better career than that. However, I will give kudos to one aspect of working as a design employee for someone else—a steady paycheque. With all the restrictions, limitations and handholding that may come with being an employee, the one bright light is the knowledge that every week or two, on schedule, a predetermined amount of money gets deposited into your bank account. This money shows up regardless of how busy or not busy you were. This steady paycheque may be the only way that being a designer trumps being a freelancer. It's true. As a self-employed designer, a freelancer, you never know when or where you'll get your next payment. Nor how much it will be. And that can cause a lot of stress in your life, especially if you are the primary breadwinner in your household. Because even though your income may be unpredictable, your monthly expenses are not. They show up right on schedule regardless of the balance in your bank account. I wish I could tell you there's a simple solution to this dilemma, but there isn't. Ask any self-employed designer, and they'll let you know of their experiences navigating these peaks and valleys. Peaks when work, and of course income is in abundance. And valleys when they become scarce. There is no solution if you want to remain a freelancer. However, there are ways to mitigate the problem so peaks and valleys even out over time. Here's what's worked for me and some other methods I've heard work for other designers. Recurring revenue. Recurring revenue is as it sounds. It's revenue (or income) that recurs regularly. Retainer agreements. The best way to acquire recurring revenue is by offering a retainer to your clients. I talked about retainer agreements in episode 32 of the podcast and again in episode 255. The gist of a retainer agreement is offering an ongoing service to your clients that they pay for regularly. In some cases, you may have to sacrifice some income for the guarantee of this recurring revenue. For example, If your hourly rate is $100, you may want to offer a retainer where, if a client guarantees to pre-purchase 10 hours of your time per month, you'll only charge them $90/hr for them. Or if a client asks you to design social media posts regularly. You could offer a retainer agreement where they guarantee to pay a fixed fee for a certain number of graphics every month. Since retainer agreements are guaranteed recurring revenue, they act as a regular paycheck similar to what you'd get as a design employee. Some designers work exclusively on retainer agreements, allowing them to predict how much money they earn each month. There's a lot more to retainer agreements than just this. I suggest you listen to episodes 32 and 255 of the podcast if you want to learn more about them. But suffice it to say, retainer agreements are a great way to even out the peaks and valleys. Website maintenance agreements. Another form of recurring revenue if you're a web designer is to offer a website maintenance agreement. A website maintenance agreement states that you will secure, update and take care of a client's website for a fixed monthly fee. It's kind of an insurance polity for their website. Website maintenance agreements require very little time and effort on your part and offer peace of mind to your clients. Selling digital products. Another form of recurring revenue, although not as steady or predictable as retainer agreements or maintenance agreements, is selling digital goods and products. You are a designer, a creative visionary. Why not use the design skills you offer your clients and put them to use for yourself? There are many platforms such as Creative Market or Design Cuts where you sell your creative wares. These offerings are available for purchase by other creatives and people who need certain assets but may not have the skills to create them themselves. I've created dozens of designs that I sell on various print-on-demand platforms. I get paid any time someone buys a t-shirt, coffee mug, phone case or sticker with one of my designs on it. This is another form of a digital product. For me, it's not enough to make a living. At least not with my few dozen designs I sell. But every month, I receive anywhere between $70 - $120 for my designs. Some of them I created years ago, and I'm still collecting money from them. And I'm sure if I dedicated the time to make more of these designs regularly, I could generate a more considerable recurring income. To learn more about selling digital products, listen to episode 155 of the podcast, where I talked about this exact topic with Tom Ross, the founder of Design Cuts. So, all in all, recurring revenue is a great way to even out the peaks and valleys you'll encounter as a freelance designer. Promote when you're busy. There are other things you can do to help ease the peaks and valleys situation. One of the best pieces of advice I've ever heard is "Promote your business when you're busy." It's a case of don't wait until you're thirsty to dig a well. It sounds crazy. When you're pulling your hair out because you have too many projects on the go and deadlines quickly approaching, the last thing on your mind is drumming up more work. But believe it or not, that's precisely the time you should be promoting your business. Why? Because marketing takes time to germinate.  The more you promote your business while you're busy and experiencing one of those peaks in workload, the less deep the valleys will be that you'll have to navigate once the work rush dies down. If you do this right, you may be able to raise those lulls to the point where instead of peaks and valleys, you'll be cruising across an even plain. I know what you're thinking. If I'm that busy, how will I find the time to promote my design business? To that, let me say: Promoting your design business doesn't require a massive advertising campaign. All it takes is sending off a few emails to idle clients to ask how they're doing and if there's anything you can do for them. It doesn't take much. And if you do it right, your peaks and valleys won't be that severe. Draw a salary from your business. There's another way for you to lessen the impact of peaks and valleys. Remember when I said the one benefit of being a design employee is the regular paycheque? Want to know a little secret? You can make yourself a design employee of your own freelance design business and have the best of both worlds. What? No way! Yes, way. I know many designers who do just this. They treat themselves as an employee and draw a regular paycheck from their own business. Here is how it works. All revenue earned from design work, recurring revenue, and selling digital products belongs to your design business. It all goes into a business bank account and gets treated the same way any other company treats its capital assets. From that pool of money, you, the designer, draw a salary. Running your company this way puts the burden of dealing with the peaks and valleys on your business and not on you, the designer. As far as you're concerned, those peaks and valleys even out because you draw the same salary every week regardless of the business' income. This method spreads out your income evenly over time. Let me give you an example. Let's use some round numbers here and say you make your salary $500/week. One week you take on a $1200 web project. That $1200 is deposited into your business's bank account, and from it, you withdraw your weekly $500 salary, leaving $700 in the bank. The following week things are slow, and the only work you get is a $300 poster design. That $300 is deposited into the bank, bringing the balance up to $1000. At the end of the week, you withdraw your $500 salary, which leaves $500 in the business bank account. Enough for your next week's salary should no work come in. Here's the fun part. At any point, as the funds in the business' bank increase, you can always pay yourself a bonus. The other benefit is since the business has this money, it's available for business purchases such as new equipment or subscriptions and doesn't have to come out of your pocket, which lessens the hurt of spending it. I know many designers who use this model. In most cases, those designers run their businesses as LLCs or some other form of corporation. I have my business set up as a sole proprietorship, so it's not easy to separate the business from myself. I even know some designers who use a third-party employee payment service to prevent them from dipping into the business' bank account. The best thing you can do is check with your accountant to see if this is a good model for you. It may offer tax benefits for you as well, especially if your business is incorporated. Raise your rates. The last idea I want to share with you has to do with the rates you charge. Many designers who switch from full-time employment to freelancing use their full-time salary to base their freelance rates. Don't. As a freelancer, you are expected to charge more.  If you were making $25/hr working for someone else, you should be charging your clients double or triple or even more for your services. As a self-employed designer, you have to pay for your own benefits. Three are no sick days or vacation pay, or parental leave. You have to make sure you are compensated for the risk of lost income due to anything from medical emergencies to vacations in the tropics.  Call the higher rates you charge a form of self-insurance. You should make sure the money you earn today when things are going well will get you through the times when work dries up. You do this by charging enough to make sure your future is covered. Not sure how to raise your rates? Luckily for you, I wrote a blog post on this exact topic. It's up to you to deal with the peaks and valleys of freelancing. These are some ideas for dealing with the peaks and valleys of a freelance income. It may sound daunting and stressful. And knowing about these peaks and valleys may have you thinking that working for someone else is looking more appealing. But if you can learn how to manage the fluctuating income of running your own design business. Chances are you'll not only outearn your employed counterpart. But you'll enjoy greater job security, autonomy and flexibility. A 2018 study by Upwork shows that nearly three-quarters of full-time freelancers report earning more than when they had a full-time job. And 87% are optimistic about their future careers. In fact, more than half of respondents say no amount of money would get them to switch back to being full-time employees working for someone else. I know that's how I feel. Remember, running your own design business is two jobs–a designer and a business owner. When you're pursuing your passion, it's easy to get caught up in the former and forget about the latter. If all of your focus is on your design work, you're only doing half your job. It's that business owner side that needs to do whatever you can to ensure those inevitable valleys you'll face are not as deep as they could be. You do that by following the advice I just shared with you. One last thing. I've been talking about these valleys as if they are a terrible thing. Something you should try to eliminate if at all possible. But when they do happen, and they will, try to enjoy those slower times. Use them to your advantage. Get out there and network. Contact old clients you haven't heard from in a while. Work on personal projects you've been neglecting. And make sure you use those slow times to work on your business. You know, all the things you told yourself you'd get to one day. Heck, You can even use some of that slow time to relax and enjoy life. After all, when you're in a valley, it just means there is another peak on the horizon.

TODAY'S GUESTS: Corrine Heck (CEO) + Parie Donaldson (Certified Design Associate) Details Flowers Software TOPIC: Do More and Earn More with the Help of Details Flowers Software Details Flowers Software is a platform specifically designed to help florists and designers.  The app streamlines proposals, ensures profitability through careful attention to each arrangement, and simplifies the payment process. Details is an elegant and easy-to-use floral design system – an absolute must-have for your floral business. The world's best designers are growing their bottom line through professional proposals and confident pricing with the all-in-one platform.  As an event designer for over 15 years, CEO Corinne Heck planned and produced over 800 events. Through her experience she identified the many challenges that come with running a floral business; challenges like over-buying, under-charging, and coordinating an abundance of floral and supply data.  The Details Flowers Software solution helps professional florists and event designers tackle these issues and more. Join us in this episode as we talk about: Why and how Corrine developed Details Flowers Software Using Details for visual presentations with clients Timesaving features for busy designers Details documents that assist with keeping freelancers informed and organized Their commitment to adding features according to clients' needs Details Flowers tech support Details Flowers proposal, invoice, and payment capabilities Using Details templates (ex. the new Holly Chapple templates) Compatibility between Details and other platforms The Details Color Picker Utilizing the Collections feature Using Details for retail and holiday sales The beautiful community-over-competition backstory to the friendship Corrine and Parie share Membership to Details Flowers is $150 a month for 2 users or $1500 a year. LEARN MORE ABOUT DETAILS FLOWERS: WEBSITE | INSTAGRAM | FACEBOOK | PINTEREST | YOUTUBE SPECIAL OFFER: BB Podcast Listeners can use CODE: BB2021 for 20% off a one year subscription. You'll need to create an account, log in, and enter a credit card number, BUT your credit card won't be charged until the end of your 7-day free trial.   EXPIRATION DATE: 12/31/2021   Today's episode is brought to you by: BLOOM TRUST CO. Looking for floral resources you can trust and a safe place to ask questions? Check out the carefully vetted and curated resources available at Bloom Trust Co.  Host: Amy McGee (Botanical Brouhaha) BB+ Podcast Sound Engineer: Grayson McGee Music Written & Performed by: Landon McGee

I don't want to brag, Theophiloi, but I think if I was going to write a text in the style of Mr. Paul (a servant of Jesus Christ, called to be an Apostle, separated unto the Gospel of God which He had promised afore by His prophets in the holy scriptures), I could probably do a better job than whoever it was who wrote this one and then pretended to dig it up from under his basement. That said, this bit of apocryphanfic does give us one of the most influential depictions of Hell, making it perfect for the season of Haints 'n' Saints. Plus: Math! Topics of Discussion: Squid Game: It's Not Splatoon™, Midnight Mass, Heck Houses and Judgment Houses, sins that upset rivers, a joke about sins from Benito that is itself a sin, Panther Noise, God's Footstool, the worst time to monitor sins, Heaven rivers, the Josta Street Team, Teekl (the cat), the ungodliness of warp drive, pitchforks. Hymnal: “The World is Falling” by The Woggles, “Bloody Tears” by Jonny Music (https://www.youtube.com/c/JonnyMusicChannel/) Offertory: As Enoch writes, "Whoever of you spends gold or silver for his brother's sake, he will receive ample treasure in the world to come." Support the show via http://ko-fi.com/apocrypals, or check out Official Apocrypals merchandise designed by Erica Henderson! https://www.teepublic.com/stores/apocrypals?ref_id=18246 Black Lives Matter. Trans Lives Matter. Heck 12. Isaiah 54:17

Gino Wickman has been an entrepreneur since the age of 21, Gino has had an obsession for learning what makes businesses and entrepreneurs thrive. At 25 he took over the family business, which was deeply in debt and in need of help. After turning the company around and running it for seven years, he and his partners successfully sold the company. Gino then set out to help entrepreneurs and leaders get what they want from their businesses. Based on his years of real-world experience, he created the Entrepreneurial Operating System® (EOS®), a practical method for helping companies achieve greatness. He has personally delivered more than 1,900 full-day sessions for more than 135 companies, helping them implement EOS. He is also the author of the award-winning, best-selling book Traction: Get a Grip on Your Business, as well as Get a Grip, Rocket Fuel, How to Be a Great Boss, What the Heck is EOS?, and The EOS Life. Gino is the founder of EOS Worldwide, an organization that helps thousands of businesses implement EOS with the aid of an international team of over 400 professional and certified EOS Implementers and online support. There are more than 130,000 companies using the EOS tools worldwide. Gino is now devoting time and energy toward helping entrepreneurs-in-the-making get a huge jump-start on taking their entrepreneurial leap, which is why he created Entrepreneurial Leap. Learn more about him and take his entrepreneur quiz: https://www.e-leap.com/ For more info on guests and future episodes visit KateHancock.com --- Support this podcast: https://anchor.fm/ibhshow/support