Podcasts about Holland

I recently had a long conversation with a very successful professional. He's 58 years old. Highly educated. Respected in his field. Financially sophisticated — in fact, his job depends on understanding money. If you looked at his résumé, you would assume he was completely set for life. He wasn't. A couple of bad investments. Some concentration risk. A few decisions that looked reasonable at the time. And suddenly he's essentially back at ground zero — trying to start a new business at 58. This story is far more common than people realize. The Dangerous Assumption is that many successful professionals assume they'll be fine. Doctors. Lawyers. Executives. Entrepreneurs. They make high incomes. They understand finance. They know about markets and interest rates and diversification. They focus on their career. They focus on income. They even focus on investing. What they don't focus on is their own financial future with the same intensity they focus on their profession. There's a difference. Being financially literate is not the same thing as being financially intentional. Especially when you assume you always have more time. The Good News at 58 is that he still has time. A lot of time. For entrepreneurs especially, it doesn't take 25 years to rebuild. It can take five. There's a quote often attributed to Bill Gates: “Most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five.” That quote is brutally accurate. In one year, starting a business feels overwhelming. Progress feels slow. Revenue is inconsistent. Doubt creeps in. But five years? Five years of focused effort, smart strategy, capital discipline, and experience compounded? That can change your entire financial trajectory. I've Seen This Movie Before. I have a very good friend who was worth over $40 million in his early 30s during the real estate boom. Then 2008 happened. The real estate debacle didn't just dent him — it wiped him out. For years, he struggled. Pride gone. Lifestyle reset. Just trying to survive. Most people would have mentally retired at that point. They would have blamed the market, blamed the system, blamed bad luck. But about six or seven years ago, he found his rhythm again. New strategy. New focus. New discipline. Today, he's worth over $60 million. I get that's not normal. But it proves something important. It Doesn't Take a Lifetime. The examples I just gave are extreme. Most people don't lose $40 million. Most people aren't rebuilding at 58. But the principle is universal: It doesn't take a lifetime to secure your future. It takes a focused season. A defined period where you are intensely clear about your objective. A stretch where: • You work harder than you're comfortable with • You manage risk better than you used to • You stop assuming income equals security • You align your decisions with a specific financial target for the future There's another quote I love: “The harder you work, the luckier you get.” Luck isn't random. It compounds around preparation, visibility, and persistence. When you are laser-focused on a financial goal, you start seeing opportunities others miss. You make better introductions. You ask sharper questions. You move faster when something makes sense. And over time, it looks like “luck.” The story of the 58-year-old professional isn't a warning about markets. It's a warning about complacency. Success in your profession does not automatically translate into security in your future. Income is not wealth. Financial literacy is not financial strategy. And intelligence does not eliminate risk. But here's the good news. If you're in your 40s or 50s and feel behind — you're not done. If you made a bad investment — you're not finished. If you took a hit — that's not your final chapter. You may just be at the beginning of your five-year season. The key is focus. Direct yourself to a destination you can visualize. That's the only way you will get there. Because in the end, securing your future rarely requires a lifetime of perfection. It requires a concentrated period of intensity. And the sooner you decide to enter that season — the sooner your next five years will start compounding in your favor. There is no one who knows this reality more than this week's guest on Wealth Formula, Rod Khleif . Watch on YouTube: https://www.youtube.com/watch?v=qogQNGbK9wk Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/549-youre-successful-until-youre-not-with-rod-khleif/id718416620?i=1000753860685 Listen on Spotify: https://open.spotify.com/episode/7mTzyRJxjnkeiVFGCXfOni Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  welcome everybody. This is Buck Joffrey with Dwell Formula Podcast. Coming to you from Montecito, California, I wanna remind you that there is a website associated with this podcast called wealthformula.com. That’s where you go if you wanna. Become, uh, more, uh, involved with this community, including our accredited investor club, AKA investor club, uh, very easy to join. It’s free. All you do is you get onboarded and you see lots of, uh, potential deal flow that you wouldn’t otherwise see again, that is wealthformula.com. Simply click on investor club and get onboarded. Now, as for today’s show, I had a, uh, a long conversation with a very successful professional, recently 58, highly educated, respected, financially sophisticated, in fact, in the money business. Uh, and if you look at his resume, you would assume he was completely set for life, but he wasn’t. A couple of bad investments, some concentration risk. A few decisions that looked reasonable at the time, and suddenly he’s back pretty much to ground zero trying to figure out what to do, and he’s thinking about starting a new business or maybe buying a business. Well, that got me thinking because the reality is this story is far more common than people realize, and I actually hear it fair amount. Right? Many successful professionals assume they’re gonna be fine. Doctors, lawyers, executives, entrepreneurs, making high incomes. Maybe they understand finance, they know about markets, interest rates and diversification in theory. But here’s the trap. You focus on your career. You focus on income. What they don’t focus on is their own financial future with the same intensity. They focus on the profession, and that’s. The difference, right? The issue is that being financially literate is not the same thing as being financially intentional. Now, I actually hate that word because it’s a very, uh, uh, neo agey word intentional. But in this case, I will use it because that it’s very, it’s very appropriate. But here’s the good news, even at 58, right, you still have time. You have a lot of time for, especially for entrepreneurs, it doesn’t take 25 years to rebuild. It can take five. And there’s this quote, um, it’s often attributed to Bill Gates, who, who’s been in the news lately for a lot of other stuff, but this is a good quote. He says, most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five. And that quote is so true. I will, it’s incredibly powerful and it’s very, very useful to think about and. Put in the back of your mind because in a year, like you’re saying, you’re starting a business, it’s gonna feel overwhelming. You may lose money, you know, slow progress, revenue, inconsistent five years, you know, with focused effort and you know, good strategy and discipline. The financial trajectory of your life could completely change over that five years. In fact, I will say that with my first business that I ever started, that is absolutely what happened. I was just pretty much outta residency, didn’t have any money, and within five years I was rocking and rolling. You know, it was a, it was, you know, it wasn’t worth, you know, hundreds of millions of dollars. But I, I, I was, I was doing way better. If you look over five years, it’s an incredible trajectory. And it’s not just me. I mean, there’s guys who’ve done it more extreme ways. I talk about this friend, a lot of times he was worth like 30 or $40 million in his early thirties, and then 2008 happened. It didn’t just kinda dent him, it wiped him out, and for years he struggled. Lifestyle kind of reset a little bit, just trying to survive. You know, there’s this saying in business that the key to su success in business is to stick around long enough until you get lucky again. Well, sometimes that’s true. And a lot of people might have, uh, kind of mentally retired at that point. But the reality is he stuck with it. He rebuilt about six or seven years. He was kind of sideways, then another six or seven years, new focus, new discipline, and today worth 60 million bucks. Now, that’s not normal, right? But it does provide, uh, it does, it does kind of provide an important point. It doesn’t take a lifetime always. Now most people don’t lose $40 million, and most people aren’t rebuilding necessarily from zero at 58, but the principle really is universal. It doesn’t take a lifetime to secure your future. It takes a focus season to find period where you’re intensely clear about your objective. It’s a stretch where you work harder than you’re comfortable with, and maybe it’s not fun to do that in your fifties or sixties. You manage risk better than you used to. You stop assuming income equals security. You align your decisions with a specific financial target. You know what, there’s a another line I love, another quote, and I don’t know where this one comes. I, I, I think it was some hockey coach of mine way back. It’s that the harder you work, the luckier you get. The thing is that luck isn’t random, right? It compounds. Around preparation and visibility and persistence. And when you’re laser focused on a financial goal, you’re gonna start seeing opportunities that are out there that others might miss. You’re gonna make, you know, better introductions, ask sharp questions. You move faster when something makes sense, and over time it starts to look like luck. I think the real lesson, um, about the situation that people get into, like this person I was talking about is. That it, it’s not a warning about markets per se, although markets have a lot to do with it. It’s a warning about complacency. You know, success in your profession does not automatically translate into security in your future. You know, income as you know, is not really wealth and financial literacy is not financial strategy. Although literacy is really, really important. You gotta have a strategy. And you can be really, really smart and not eliminate, you know, or mitigate risk enough. So if you’re in your forties or fifties and feel behind, you’re not done. Okay? You made a bad investment, you’re not finished. If you took a hit, I’ve taken plenty of heads, especially the last few years. It’s not your final chapter. You may just be looking at the beginning of your next five year season. And the key is focus clear goals, define targets, discipline, action. The sooner you decide to enter that season, the sooner your next five years will start compounding in your favor. Man, I gotta tell you, this is a, an ongoing story I hear a lot about, so again, think about that Bill Gates quote, you, you know, people tend to way overestimate what they can do in a year. Grossly underestimate what they could do in five. Anyway. There’s no one who knows this better than my guest on this week’s Wealth Formula podcast. Rod Cleef. Many of you already know him. We’ll have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account as your money accumulates. You borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investment. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast is Rod Thief. He’s a real estate investor, author, and mentor with decades of experience in multifamily investing. Uh, he’s built and sold hundreds of millions, uh, in, in apartment assets and teaches thousands of investors through coaching masterclasses and his life. Uh, lifetime Cash Flow Academy. Uh, rod, how you doing? Good, brother. Good to see you, my friend. Let’s review, but you know a little bit about you, your background. Sure. You know, uh, sure. We have an interesting story. Okay, well I’m a Dutch immigrant, you know, think wooden shoes and windmills. I immigrated to this country, uh, when I was six years old with my brother Albert, my mother’s cia. Um, and we ended up in Denver, Colorado. Uh, struggled initially. Really struggled actually. And, and I remember, uh, wearing hand me down clothes all the way through junior high school until I finally lied about my age when I was 14 ’cause I was tall and said I was 15 so I could flip burgers at Burger King. You know, and I’m sure you’ve got listeners that had it harder than I did, but I knew I wanted more. And luckily my mom had an incredible work ethic and so she babysat kids so we’d have enough money to eat. And with her babysitting money, she was an entrepreneur and invested in real estate. Um, and her first real estate acquisition was the house right across the street from us. When I was 14, she paid about $30,000. And then when I was 17, she told me she’d made $20,000 in her sleep. It had gone up in value. And I’m like, what? Forget college. I’m getting into real estate. So I. Went and got my real estate broker’s license right when I turned 18, which you could do back then with education. Now they got, they got smart you, they need some, you need some experience. But, uh, I was a broker. I was smart enough to go work for a broker. But, um, you know, my first year in real estate I made about eight grand. My second year, maybe 10 grand, but my third year I made over a hundred thousand dollars, which back in 1980 was some pretty decent money. And so what happened between year two and year three? Uh, the 10 x my income was what? What happens? I met a, a guy, he was a broker. I was working for actually, it taught me about the importance of mindset and psychology and how really 80 to 90% of your success in anything is just that your mindset and psychology. So fast forward to today, I’ve, I’ve owned over 2000 houses that I’ve rented long term. I own thousands of apartments now, and I’m also buying senior housing now, which I’m excited about. And you know, in 2006, my net worth went up $17 million while I slept. And you might say, wow. I said, wow, I got a head so big I could barely fit it through a door. And I thought I was a real estate God. And you know, when that happens, God of the universe will give you a nice little SmackDown. Well, that was 2008. I conservatively lost $50 million in 2008 and nine. What I’m known for talking about on my podcast, which I’m blessed to say at this point’s, the largest, uh, commercial real estate podcast really in the world at this point is, and, and the reason being is I spend time talking about mindset. You know, people don’t remember what you said, but they remember how you make him feel. And I do little clips every week called Own Your Power, their motivational clips. And, and I think that’s the reason it’s been so well received. But, uh, you know, I’m known for talking about the. Mindset it took to have 50 million to lose in the first place. And you know, maybe more importantly, the mindset it took to recover from losing it. But, uh, you know, I’d love to, we can chat about that if you like, or I’d love to talk about the state. Yeah. Whatever you It’s a, it’s, I think it’s appropriate to talk about that right now, rod. I mean, I think Okay. You know, in this, in this market with what we had, you know, um, you know, there’s been a, there’s been a lot of pain in multifamily and Yeah. You know, it’s, you know, you and I have talked about this before where. Part of success is, is trying to recognize particular situations. Um, you know, you talk about Warren Buffet and how Warren Buffet says be greedy, when others are fearful and all that, that’s great, but it’s really hard to do. Right? And so help us understand like, sure. You know, uh, how, how do you, how do you do that? Sure. How did you go and how bad did it get? Well, I lost 50 million. I lost $50 million, so it got pretty freaking bad. Okay. I call ’em seminars. That was an expensive seminar. Yeah. Yeah. And very little, uh, so it was, it was ugly. It was ugly, but. It was, it’s, I, I’ll be, I’ll be candid. The strategies I’ll share very briefly here, the strategies, I’ll share the same strategies you would use to get started. Okay. You know, if, if you know you need to do something, and we talked about this, uh, uh, before we started recording, you know, the. With ai, a lot of jobs are going away. You know, if you heard of Elon Musk on, on Joe Rogan’s last epi episode, or the last interview he did with Joe Rogan, you know, he said any job in front of a computer is pretty much gonna be gone like lightning, like a year or two. I mean that fast. It’s crazy. And so, you know, and even, you know, surgeons are, are, are, are gonna be replaced by robotics and, and on and on and you know, and I think there’s gonna be it professionals, uh, you know, there’s gonna be a lot of. Pain for the people that don’t proactively, you know, reinvent themselves, start thinking about what they’re gonna do to reinvent themselves. Maybe it’s an ai, maybe you’ll learn ai, but, but you better think about it now or if you’re in one of these positions. So when the shoe drops, you’re ready because. Uh, there’s a lot of opportunity. I mean, there’s 10,000 people a day turning 65 in this country. You could buy businesses, um, you know, uh, I’m in, I’m, I’m excited about senior housing. They need beds, you know, and, and there’s a huge shortage of beds, but, so there’s a lot of opportunity, but you better pick something if you’re in one of these fields and get busy starting to study it and learn it, and do it on the side so that when the shoe drops, you’re ready. That’s, I don’t wanna scare you, but I just wanna open your eyes. To that fact. But so how, how I recovered from losing $50 million again, is the same strategy I would tell you to use to get started. And it’s first thing, it starts with goals. You gotta figure out what it is you want. ’cause how do you get anything if you don’t know what it is? Because with the goals you create a burning desire or a hunger and you’ve gotta have that to push through fear and limiting beliefs and so on and so forth. And, um. You know, I, I, that’s, if you come to one of my bootcamps, I do a virtual bootcamp every couple of months. It’s two days. I don’t sell anything there. And I’ll tell you later how you can come for 47 bucks. So it’s no excuse. But, but the first thing we do is goal setting on steroids, uh, because you’ve got, again, you’ve gotta create that hunger. Now, I’ll, I’ll say this to you, if you have no interest in, in, uh, learning what I teach. At my link tree, I did my goal setting workshop. It’s an hour. There’s a guide you can download if you go to rodslinks.com or text the word links if you’re driving, uh, to 7, 2, 3, 4, 5 at the bottom. My, is my goal setting workshop. And you know, here’s the thing, buck, people spend more time planning a freaking birthday party than they do designing their lives. Doing your goals is designing your life. So you know, if, if, uh, if you haven’t done ’em in a while, go to Rods, links, go at the bottom. There’s my workshop, there’s a guide. You can download ’em. Not gonna try to sell you anything. Spend an hour with me. Have your spouse do it. Have your kids do it if they’re over 10 years old, and design their lives. So again, it starts with goals. So that’s the first thing I did was reassociate with my goals. Then the second piece is you gotta make a decision. And I don’t mean dip your toe in the water. I don’t mean one foot in, one foot out. I mean, you decide it’s done. Okay. The Latin root for the word decision means to cut off. If you’re gonna attack the island, you burn your ships ’cause you’re taking their ships home. That’s a decision. And, and that’s what I did. I said, okay, enough, quit feeling sorry for yourself. Pick yourself up and go make something happen. And that’s, that’s what I did back then when I lost everything. But it’s the same thing again. If you’re, if you’re in a job and you’re. You’re just not where you want to be. So we make that decision and then you gotta take the first step, uh, you know, buck. And that’s, that’s pretty much it. You know, Dr. Martin Luther King said, you take that first step in faith, the next step will be revealed. And you know, LA Sue said the journey of a thousand miles begins with a single step. But, you know, in our business and, and, and the investors that we deal with and, and the, you know. Uh, active investors and, and, and passive both, as many of ’em are very analytical and you know who you are. If that’s you and I love you, you’re some of the most successful students that I have and successful people in our businesses. However, I also know how you have to check off every single box before you make a move, and you can’t do that here. Okay? You’ve got to, you’ve got to recognize that you’ve gotta have enough faith. To get started, you know, you can go all the way across the United States at night with your headlight only seeing 50 feet in front of you. And, you know, you can make it, you know, other people have done it before you, you know, there’s a, there’s a, there’s a, a road. And, uh, it’s the same way. You may have some obstacles, but, uh, it’s the same way with this business or really any business. But you, you, you’ve got to take that first step. And, you know, a, a lot of people fear failure, and I’m gonna tell you, don’t fear failure. Fear being in the same place you are right now, a year or two from now, unless you absolutely freak. Love where you are right now. Fear, fear, regret. That’s what I would fear if I were you. I, I, there was this nurse in Australia, a hospice nurse, uh, and her name was Bronny Ware. She asked patients when, who were about to die, if they had any regrets, and she wrote a book about it as a national bestseller. Something like The Five Regrets of Dying. You know what the number on regret was? It was Living the, not Living the Life I could have lived living someone else’s life, not doing what I know. I’m capable of fear that don’t fear failure, you know? Well, the next piece is fear and limiting beliefs. So fear, you know, every successful person have has fear. Now we, we, we, entrepreneurs call it stress, but it’s fear. And, you know, action mitigates fear. You wanna mitigate fear, take action. Go do something. If I’m, if I’m laying in bed at night, it’s three in the clock in the freaking morning and something stresses me out again, stress is fear. That’s what we achievers call stress. Uh, it’s fear. Uh, and, and, um. If something wakes me up and I’m stressed about it, I literally will get outta bed and just go write down some notes. I used to have a pen with an electrical pen that drove my ex-wife crazy and I’d, I’d write notes sometimes fill up pages of notes in bed so that I’m taking some action so I can go back to sleep. So there’s a, there’s a very simple example of it, but anytime that I am fearful about something, I take massive action towards it. Just, just taking steps, doing things. That will mitigate it. And it’s just how it works. So, I mean, it’s, it’s, it’s as simple as that buck. I mean, you just have to do some things. Towards that fear now. Now, the other thing is, if you don’t take action, the fear expands. So that’s the, uh, uh, that’s the antithesis there. So, so you, you need to take action because that’ll, that’ll mitigate it. The, the next piece really is limiting beliefs. You know, when I immigrated this country, I didn’t speak English. I got thrown into school, found out what bullies were for the first time. So I got my butt kicked occasionally, hadn’t learned how to fight back, and then my mom, this is the prop, sent me to school in these wooden shoes. And these are the actual wooden shoes. We found them. When we put her in senior house, senior living in, and these leather shorts, the Germans wear for October Fest, I had to wear that to school. And of course that was crack cocaine for the fricking bully. So I got my ass kicked again. And don’t wooden shoes, rod Or, or those, yeah. Yeah. Wooden shoes. Wooden shoes. Yeah. These are from Holland, man. That’s where I was born. Yeah. My mom. Proud Dutch woman. Yeah. This is, they’re wood. They’re real wood. The farmers still wear these things, uh, ’cause they’re good to go through mud, but they’re crack cocaine for bullies. Okay? And so, yeah, you know, uh, I, I, I got my butt kicked again and, and I came up with this belief system that I wasn’t good enough. I used to ask myself, how can I show them I’m good enough? And a lot of people have these limiting belief systems. I’m not good enough. I’m not courageous enough. I’m not strong enough. I’m not old enough. I’m not young enough. Here’s the thing to remember. There’s a reason the acronym for Belief Systems is BS because 99% of them are bs, but we believe they’re real. I mean, I used to be afraid to raise my hand in front of 10 kids in a classroom, and because of fear of rejection, now I speak in front of thousands of people a year, usually in flip-flops. Okay, so you know, you can mitigate this. So if you’re aware of one of these. Limiting beliefs, BS belief systems, drag it out into the daylight. Look at it with your adult rational mind. You’ll recognize that it’s BS and it will dissipate. But you gotta, you gotta think about it consciously and it’ll, it’ll go away. Um, the, the next piece is focus. Um, you know, focus really is power and whatever we focus on gets bigger, both positive or negative. Okay? So it’s very important that you focus on what you want, not what you don’t want. I’ll get, people call me and say, how do I get outta my student loan debt? I’m like, wrong question. How do you make so much money? The debt’s irrelevant, is the question you need to be asking. They asked Mother Theresa if she was anti-war. She said, no, I’m pro peace. I mean, you get it, right? And, and so, and in fact, I’ll give you another example. So I, I, my podcast is over, I believe, over 30 million downloads, which doesn’t sound like a lot in our social media world, but in, in the podcasting space, it’s not bad. But I listened to two podcasts, Joe Rogan and Tim Ferris. I try to get both sides of the aisle. I’m definitely on, on one side. Uh, but, but, um. They get, and the reason I bring that up is they get about 30 million a week, you know, but that big podcast. But, but, um, on, on Tim Ferriss’ show, he interviews the best of the best in the world. You know, the best athletes like Michael Phelps, NFL players and NFL players, NBA players, actors like Hugh Jackman, ed Norton, Jamie Fox, Arnold billionaires like Ray Dalio, heads of the biggest companies on the planet like Zuckerberg. And he deconstructs their success. It’s very intelligent conversation. I mean, I, I love listening to it. I started to hear a pattern, uh, they almost all meditate. What does meditation enhance? Focus, right? So focus is a really important piece of, of, of success. And just a couple more. One is playing, the next one is playing to your strengths. You know, when, when you, when you go to reinvent yourself or if you’re struggling, you know, or, or gonna start something. Play to your strengths and hire a align or partner for your weaknesses. Like in our world, you know, there’s lots of different hats you can wear. It’s a team sport. You could be the person that finds the deals and analyzes them. If you’re analytical, you could be the mouthpiece like me or you, and you’re, you know, raising money, talking to brokers and, and getting the word out. You could be the. You know, the um, asset manager, if you’ve got some project management experience, construction experience, there’s lots of different hats you can wear, but you wanna play to your strengths. Your strengths are your greatest assets. Don’t try to maximize your fears. You’re gonna get much further. Like I said, if you hire aligner partner for your weaknesses, you know, some of the most successful. Um, partnerships I see in the business are an analytical, introverted person with an extroverted, outgoing person. I mean, that’s a match made in heaven in our business. ’cause our business is primarily empirical. You ask the right questions, uh, and, and you get the numbers right. You know, it’s kind of hard to make a big mistake. Um, and so. You know, just make sure you’re playing to your strengths and when you’re playing to your strengths, you’re gonna have passion and passion’s required to influence people. Right? ’cause you love what you do, so you’re passionate about it. So again, real heavy duty argument to play to your strengths. Yeah, I think the last piece, the last piece is, is peer group. Um, you know, who you hang out with is who you become. You’ve heard it, you’ve heard it before. So if you’re gonna get into something, get around people that are doing it. Like my Warrior Coaching program, I’m, I’m gonna brag. I, I, like I said, they own 300,000 multifamily units that we know of. I’m, I, it’s, we’re counting, uh, we know it’s close to 300,000. We’re at like 275,000 or something. I know there’s a lot we’re missing. And, you know, tons of senior housing, tons of self storage, tons of industrial flex space, um, retail mixed use, you name it. Uh, mobile home parks, and. Almost all of those deals were done between warriors, between my students. So you know, ha, who you hang out with is who you become. You know, if you show me your three best friends, I’ll show you who you are in your relationships, your happiness, your health, and definitely your finances. But see, so many people default to a peer group they went to school with or they work with, and those people with their own fears or limiting beliefs might hold you back, you know, afraid of losing you, afraid of feeling less than if you succeed. And sometimes it’s family. I’m gonna tell you, love your family, but proactively choose your peers. Right? You know, and when I was losing everything in 2008 and oh nine, I was in Tony Robbins Platinum Partnership and there were people there that were killing it in that crash, uh, you know, thriving. And they’re like, get up, you puss. 50 million Schmill. Go make something happen. That’s who you wanna be around, not only while you’re building, but certainly when the proverbial stuff hits the fan, right? Uh, so anyway. I, that those are, those are some of the big pieces. Yeah. Well, that, I mean, that’s, let, let’s talk a little bit about the, the business that you’re in. Um, you know, you’re, you’re heavily involved with real estate. Obviously these, uh, mindset things are a great place to start. Now you go out there, let’s talk about where the market actually is and what you’re seeing in this market right now. Does your represent opportunity to you? There’s a ton of opportunity because there’s a ton of people in trouble, sadly. Right. Okay. A lot, a lot of people got adjustable bridge debt. You know, these rates have gone through the moon. I’ll give you a small example. We were looking at a small asset in San Antonio where I’ve got some assets and I. And there, the lender reserve payment that this guy had to pay to prepare for a refinance went from 8,000 a month to 80,000 a month. Do you think that’s painful? Right. And you know, and, and when you’ve got a multi tens of millions of dollar loan on a property and the interest rates adjust several points, you’re done. And, and so that’s just on the interest rate piece. Uh, mentioning my SEC attorney had six foreclosures in one day, apartment complexes, uh, clients, new clients that came to him, he told me like three weeks ago. So who knows how many since then. But you know, there’s a lot of deals and trouble and it’s sad. It’s very sad. But, uh, that’s just one piece is the loans. Uh, the expenses have gone through the thick and roof. I mean, I’ve got maintenance supervisor that’s making $40 an hour at this point, which is crazy. Uh, you know, I, I teach at my bootcamps. Uh, I used to teach a 50% expense ratio. That’s what you want to have. Now I teach 60% ’cause they’ve gone up that much. And so, you know, there’s a lot of pain in the market. But with crisis comes opportunity. There’s incredible deals. I’ve got a a, a 200 unit asset in San Antonio. Um. That is on a lake, and right next door is a 300 unit, 300 plus unit asset. Um, it’s sold the 300 units sold for 43 million in 21 or 22. It’s, it’s with the bank, it’s down to 28 million now. And I’m not even interested unless it gets to 24, unless the rates drop significantly. And so 43 to 24. So that’s what’s out there right now. And di I think you just bought a, a deal at like a 40% discount, didn’t you? Yeah. Yeah. Yeah. And here’s the thing, which is what I wanted to get into as well, and I I just bring, bring people’s attention to it, is that these times in history don’t happen that frequently. Right? Right. And it, and it’s interesting what the, the last multiple, uh, opportunities we’ve, we’ve, we’ve capitalized on, they have been all these situations where it’s a debt problem, right? It’s, it’s an asset that’s performing fine. But someone’s got a month, uh, to go and they just need to get out. They’re gonna lose all their equity, their debts due. Um, yeah, their debts do, there’s like this, this wall of debt, like, I think it’s like a trillion dollars of debt due by the end of this year. So what we’re seeing is, you know, the last several opportunities, 30 to 40% discounts on basis, uh, compared to just two or three years ago. And I think the challenges for investors is that like. In the background, those of us who’ve been through the pain are still feeling the pain and you feel very gun shy about it, right? Yeah. Yeah. Um, and you also start thinking, well, 30 to 40% discounts. Uh, you know, this, this is, this sounds very scary, but in, in reality, I, I’m trying to get people to understand that, that those discounts only last for so long, right? I mean, that if you look at like the, the debt. That’s out there. Most of that really bad debt washes away at the end of this year. At 2026. Yeah. After that, like those 30 to 40% discounts that like people are hearing so often, they’re not gonna be there anymore. No, that’s, and what I, and what I hate to see is people wait two or three years from now and all of a sudden there’s a frothy market and everybody’s jumping on the bwa. ’cause that’s what they always do. That’s not, you wanna be a net seller in that market. That’s right. And, and you know, it’s like you mentioned Warren Buffet’s famous quote, be greedy when others are fearful and fearful when they’re greedy. And, and so right now they’re fearful, which is making harder to raise money. And I’m, I’m having the same conversations. It’s like, Hey, if there was ever a time, it’s right now and now. Now the key, now the key. Differentiator or key factor is it’s all about cash flow. You know, like I said, that that deal at 43 is down to 28. 28 still doesn’t make sense for me. So it’s all about cash flow. And so, you know, I wrote a bestselling book. I’ll brag about, hang on, I’ll show it here. It’s called How to Create Lifetime Cash Flow through Multifamily Properties. The reason I bring this up is the subtitle is The New Rules of Real Estate Investing IE The new rules is it’s all about cash flow. I don’t, you know, I can brag about what you, you know, the discounts you can buy a property for, but it, it’s all about the numbers. It’s got a pencil, it, so cash flow is king. Um, so would you agree with that? Oh, a hundred percent. No. The interesting thing is though, that like, that’s a, that’s actually in real estate. That’s a principle I think a lot of people had, and I think what ends up happening is when the market gets frothy, you kind of skip that step, right? Because then what you’re, then what happens is that the market becomes so competitive that you’re trying to project, okay, I can get this from here to here and I can make it cash flow pretty quickly. And that’s when it gets dangerous, right? Yeah, yeah. Because listen, when Mark, when, when, when rates were, were as low as they were, you could do that. Now what? As soon as they started accelerating, well then you just got behind and, and you, you couldn’t catch up. And that’s kind of what happened. No, that’s it. And the expenses. Yeah. Yeah. They, the business about this market though, and maybe you can get some perspective on this, is what happens. You’ve experienced multiple real estate cycles and one of the opportunities that real estate investors have had throughout the decades is investing in a market where interest rates start to fall. What happens? Well, what happens is, is, is, is, is values As values go up, you know, and here’s the other thing, you know, uh, uh, with inflation, inflation’s not going away. And when you buy a property, the debt’s locked unless you do the adjustable rate thing. But if, if you get a normal, a normal mortgage. The, the rent, the debt is locked, but your, your interest, your rents are gonna continue to climb here. They’re going up, they’re gonna keep going up. And, you know, and, and of course the value of, of what we do is based on a multiple of the net income, the NOI, the net operating income. So any increase of the rents is gonna go to the bottom line. And, and so your values are gonna go up. So again, incredible opportunity to get into this real estate now. With the debasement of the US currency, with with, with all the money they’re printing and everything else, you’re, you’re seeing incredible rises in, in hard assets like gold, silver, of course, we saw a crash in Bitcoin ’cause it’s ethereal, it’s air, but, but real estate, uh, is, is you look at it over, over, you know, 50 years and, and it only goes one direction. It has some dips, but it continues to go one direction. And, and so, you know, I, I love real estate. I always have and. And, and always will. And so, you know, that’s why I teach it, you know, I do, I teach multi and I now teach multiple asset classes. I just taught multifamily for a long time, but now I teach pretty much every asset class and I’m, yeah. So what’s, uh, housing too? Yeah. Tell us a little bit about senior housing and um, yeah, what you’re doing there. I, I, I’ve only purchased one assisted living facility so far, but my students, my God, I can’t even count how many assisted living facilities and memory care units they have. But I, I’m, I’m gearing up. I have a whole team doing it. Uh, we’re cold calling and, and, and the, the, the out, the goal is. Is, uh, uh, 12 units in the next 18, I’m sorry, 12 separate facilities in the next 18 months. And we’re growing up to do that. Uh, we’ve got a ton of interest. And here’s the, here’s the reason why they call it the silver tsunami. There’s, there’s six, 10,000 people a day turning 65, and it goes forever. And it seems like forever. I mean like literally a over a decade and. And again, um, you know, those people. Uh, so there’s a lot of opportunity with that. There’s an opportunity to buy businesses as well. A lot of ’em wanna retire and own businesses, so there’s an opportunity there. But, but, um, in senior housing, there’s, there’s a huge shortage of beds. And, and I’m quite candidly, I’m not sure we’re gonna be able to match the need in the shortage of beds, but there’s a huge shortage of beds and, and so, um, you know, and to build new. The about the least you can build a place for is $200,000 a bed. Well, there are facilities that got crushed by COVID where you can buy. Facilities for sub a hundred dollars a bed. So there’s, there’s a, there’s an opportunity there that we’re capitalizing on. It’s very exciting. Uh, that won’t be around there a lot of, is there a lot of competition from, you know, big money institutions, that kind of thing in this space that are sort of pushing prices up? Because I would think if they would have to, yeah. Yeah. I would think they would have the same sort of thesis overall. So the larger facilities, yes. The, you know, I, I’m not doing the, the 200 bed facilities, you know, I’m in the 50 to a hundred range, you know, uh, kind of the mom and pop range as it were. Uh, and. So, at least to start, I mean, at some point I’ll compete with the larger ones, but we’re starting there and, and there’s just an incredible opportunity to, to get to, and the returns are fantastic. I mean, we’re seeing 15% cash on cash, 25% IRR, realistically not BS returns. And so, you know, it’s very exciting, honestly. And, and, and, and, and again, it’s got legs. It’s not going anywhere. It’s not like one of these things that’s cyclical. There’s, there’s the, these people are retiring. They’ve impacted everything from Pampers diapers to suburbia, and they’re gonna impact, you know, senior housing in a big way. So, um, you know, it’s, it’s that, that’s exciting. Yeah. I got crushed by that wave in 2008. I got crushed by that wave. I’m surfing this wave. Yeah, yeah. Yeah. Good for you. So tell us, you know, a little bit more about how people can get involved. It sounds like you got a lot going on there. So tell us about Well, I, I, I teach, you know, I teach this stuff. I have, I’ve had, I dunno, upwards of 20,000 people attend my bootcamps by the way. Really never had a complaint except that the breaks are too short. ’cause I, I packed three days into two days, but I teach this business and soup to nuts, how to find deals, how to pick a market, how to pick a team, how to underwrite them, how to finance them, how to raise all the money for them, on and on. And so if you go to Rods. links.com. That’s my link tree. That’s where my goal setting workshop is. If you want to do your goals, do it there. But, uh, if you come to my bootcamp, that’s the first thing we do. Uh, ’cause I, I need to have you get very focused on what you want. But, um, you know, it’s two days of training. I don’t sell anything and you can come for $47. So tell me your excuse. Okay? And the bonus, the bonuses are thousands of dollars. You get my deal evaluator software, my document library. You get all this stuff. And you know, and candidly, if you come to the bootcamp and. On Monday, you decide it wasn’t worth it, you didn’t love it. I don’t mean like it, I mean, love it. I’ll give you your 47 bucks back. It’s never happened, but it’s first time for everything. So, yeah, no, I, I, I love what I do. It comes out and what I do, and I, I spend time on mindset too, because again, that’s 80 to 90% of it. That’s why my students are so freaking successful. They actually do it. Um, and so. I, I, I really love it, and that’s where I’ll continue to do it. So I’m, I’m doing one of these virtual events pretty much every month and a half. I’ve got one coming up, I don’t know when this’ll air. I’ve got one coming up in March, March 7th and eighth, and there’ll be one, you know, 60, 45, 60 days after that. So, yeah. Fantastic. Rod, thanks so much for being on the show today. Oh, I appreciate it. I appreciate it. Uh, thank you. And, and again, it’s Rod’s links or text links to 7 2 3 4 5. Matt, thanks. Thanks for having me on. Buck, it’s great to see you again. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage private school to pay for and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put off by some of the oldest and most prestigious life insurance companies in the world. It’s. Called Wealth Accelerator and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. We talked about a lot of things, but I think the mindset step is really important. So if you’re one of those people. Who is worried about, you know, a time in your life right now, or that that things aren’t going well? Things can turn around really quickly. You just gotta have some, you know, you gotta have the right mindset. You gotta have the right goals. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey sign now. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

Is Bitcoin the future of money… or just another chapter in the long history of currencies that didn't last?In this episode of Mind.Muscle.Money., host Tim Ghiorso takes a deep dive into one of the biggest questions in modern finance: Is Bitcoin built to last?Rather than focusing only on hype or price predictions, Tim steps back and examines the history of money itself. From ancient forms of trade to experimental currencies used throughout history, societies have constantly tested new ways to store and exchange value—many of which eventually disappeared.This episode explores famous historical examples like the Tulip Mania in 17th-century Holland, along with other speculative booms and temporary currencies that once captured public imagination. By studying these moments in history, Tim analyzes the patterns that determine whether something becomes a lasting form of money—or fades into a financial footnote.Using those historical lessons as a lens, this episode asks the critical question: Does Bitcoin have the foundation to become a durable global currency, or is it following a path we've already seen before?If you're curious about the future of Bitcoin, the psychology behind monetary systems, and what history can teach us about emerging currencies, this episode will give you a deeper perspective on where things might be heading.Welcome back to Mind.Muscle.Money. — where we break down the ideas that build stronger minds, stronger bodies, and stronger financial futures.

Im heutigen Podcast analysieren wir sachlich die Pläne der Niederlande, ab 2028 auch nicht realisierte Gewinne auf Aktien und Krypto zu besteuern. Anhand konkreter Zahlen zeige ich, warum das für Sparer problematisch sein kann und weshalb die Lage in Deutschland derzeit anders bewertet wird. Vereinbare jetzt dein kostenfreies Strategiegespräch: https://jensrabe.de/Q1Termin26 Trage dich hier in meinen täglichen kostenfreien Newsletter ein https://jensrabe.de/Q1NewsYT26

Send a textHigh school sophomore Rilee Nowaczyk from Holland, Michigan is proving that snowcross racing isn't just for the boys. Racing a 600 Polaris in the national ISOC series (streamed on International Series of Champions via FloSports), Rilee competes in the Pro Women's class against racers twice her age.From traveling three hours to her “local” track in Mancelona, Michigan, to missing school for national races in Minnesota, Canada, and New York, Rilee shares what it takes to balance high school and high-speed snowmobile racing.In this episode, we talk about:·       Racing in negative 30-degree weather·       Competing against the boys — and beating them·       Family sacrifice and commitment·       Mental toughness on the starting line·       The powerful “family” atmosphere of motorsportsIf you love stories of grit, resilience, and girls redefining motorsports — this episode is for you.Support the showFACEBOOK: https://www.facebook.com/womensmotorsportsnetworkandpodcast INSTAGRAM: https://www.instagram.com/womensmotorsportsnetwork/ LINKEDIN: https://www.linkedin.com/in/melindarussell/ TIKTOK: https://www.linkedin.com/in/melindarussell/ https://www.patreon.com/posts/womens-network-144773298 X: https://x.com/IWMANation FACEBOOK Personal Page: https://www.facebook.com/melinda.ann.russell

Join Father Seraphim Holland as he shares his journey from grief to grace following the loss of his son, Daniel. Discover how prayer, fasting, and divine signs transformed his suffering into a profound spiritual awakening. This episode delves into the power of intercession, the significance of the 40 days after death, and the importance of fasting and how to fast as an Orthodox Christian.The episode breaks down the spiritual importance of fasting, prostrations, and obedience—keys to spiritual strength amid life's chaos. From the lessons in Eden about desire and disobedience to modern struggles with addiction and pride, Father Seraphim offers practical advice rooted in the ancient teachings of the Church Fathers. You'll learn why obedience, humility, and consistent prayer are essential for healing and why the saints are still alive, here to help.Perfect for anyone facing grief, doubt, or the temptations of modern life and its passions. If you've ever wondered whether your loved ones are truly gone or how to find meaning in suffering, this conversation provides hope, insight, and a reminder: death is not the end—it's a doorway into eternity.Watch Video on YoutubeDonate to Father Seraphim of Holland's church St Nicholas Orthodox Church: https://www.orthodox.net/index.html#d... Father Seraphim's YouTube→    / @orthodoxnet  Father Seraphim's Instagram→   / seraphimholland  Want more? Let's be friends. Join the Friendship Membership.Want to read my memoir, Here Comes Trouble? It's available now. Order your copy  or from my website www.karamosher.com

Tiny Revival Co. is an ethically sourced clothing company backed by a life-saving mission. Lauren Holland is the founder of this remarkable organization, and she hopes to bring awareness to victims of human trafficking and labor trafficking - women and children who are often hurt and abused by the “fast fashion” industry. Outsourced clothing factories overseas enslave women who are forced to work in dangerous working conditions in order to provide for their families. Often, these women face unthinkable sexual and physical violence and abuse. Every purchase from Tiny Revival Co. helps provide safety and security for trafficked women and children. Lauren discusses the power of returning dignity to someone who has been victimized and your purchase helps them restore their identity. TAKEAWAYS The market responds to behavior - shop ethically and let your personal convictions guide you We can prepare our children to meet the wickedness of the world by modeling empathy and kindness Children will develop a natural sense of justice and compassion if they see godly attributes modeled at home A safe environment allows victims of trafficking to be vulnerable and to address their trauma

What's it really like to cycle from Amsterdam to Bruges — and sleep in your luxury floating hotel along the way? In this episode, we dive into the unforgettable Amsterdam to Bruges bike and barge tour, one of Europe's most relaxing active adventures. Pedal flat scenic routes through the Netherlands and Belgium, cruise past windmills and riverside villages, and explore iconic cities like Amsterdam, Ghent, and Bruges — all while unpacking just once. We cover the daily mileage, difficulty level, what life aboard the barge is really like, and who this tour is perfect for (hint: you definitely don't have to be a hardcore cyclist - it's FLAT!!!).   If you love active travel with comfort, culture, and incredible scenery — this one's for you.  And if you've been trying to get your partner to join you on an adventure, this is the PERFECT vacation that allows for differing physical abilities and desires - just like with our guest today! Press play and let's ride through Holland and Belgium.

Sean Farrington hears from experts on how the US-Israeli war could hit UK electricity prices and speaks with travellers who have been stuck in Dubai. Elsewhere, we speak with the boss of Holland and Barrett about why the company has changed more than half of its range of wellness products in the last two years.

Anthony Houghton, Chief Executive of Holland & Barrett, joins the Big Boss Interview as social media and online self-diagnosis reshape how consumers approach health and wellness.He describes a retail landscape where customers increasingly arrive in store — or online — having already decided what they need based on influencer content or digital health advice, not all of which is accurate or appropriate to their individual circumstances. In a £110 billion global health and wellness industry, the challenge for established retailers is navigating the gap between what customers believe products do and what they are legally permitted to claim.Holland & Barrett's response has been a major internal reset. Three years ago, the company invested in a dedicated science team to review its entire range. Of approximately 4,500 core products, 2,700 have since been reformulated or upgraded. More than 1,000 own-brand products have been completely overhauled in the past 18 months alone. Labelling presents particular complexity. Products marketed for perimenopause, for example, may feature the term prominently on packaging to help customers find relevant items. Yet detailed ingredient information states that vitamin B6 contributes to hormonal regulation and iron supports normal cognitive function — without referencing perimenopause directly. Strict Advertising Standards Authority rules limit what retailers can claim about specific conditions, creating a disconnect between searchable labels and regulated ingredient statements. Houghton acknowledges many customers may not understand this distinction.The transformation has coincided with strong financial performance. Holland & Barrett reported 11% sales growth — its third consecutive year of double-digit increases — with digital sales up 20% overall and accounting for 21% of total revenue. However, £300 million invested over three years in store refits, supply chain upgrades and internal capability building has weighed on profit margins. Houghton describes the investment as “fixing the foundations”, with efficiency gains expected to restore profitability as the transformation programme matures.Despite digital growth, physical retail remains central to the strategy. The company operates 809 stores across the UK and Ireland, opened nine new sites this year and has completed a major refit programme. Houghton rejects suggestions that the High Street is dead, arguing that physical and digital channels are complementary rather than competitive. Stores now offer personal consultations, experiential elements such as yoga studios in selected locations, and partnerships with diagnostic provider Randox to deliver health MOT blood testing in a growing number of sites.Cost pressures remain acute. Minimum wage increases affect the majority of staff across hundreds of stores. Holland & Barrett pays above the statutory National Living Wage and plans to announce another rise shortly. Rather than passing those costs directly to customers through price increases, the strategy focuses on driving operational efficiencies elsewhere. At the same time, the company has increased investment in colleague training — requiring staff to complete health and wellness training before advising customers — even as many retailers are cutting back.Presenter: Sean Farrington Producer: Olie D'Albertanson Editor: Henry Jones00:16 Will and Sean intro pod 01:40 Anthony Houghton joins BBI 02:00 The growth of H&B 03:30 Self-diagnosing via social media 05:17 Decision to invest in dedicated science team 05:56 2,700 products reformulated in last couple of years 08:42 Which? found supplement doses higher than recommended intake 12:31 Product & label concerns 18:40 Growth in magnesium, creatine and fibre. 23:40 Loyalty schemes 29:31 The High St isn't dead 34:00 Impact of National Living Wage 41:00 Retail as a career choice

Feedback pod today and some great questions and comments from you. We start with with feedback for you, the wolfpackers, listenership and viewership to Talk Birdie To Me increases each month, and our February numbers were (again) a new high with over 56,000 audio downloads and over a quarter of a million views on YouTube. We know you've got plenty of ways you can spend your time, and we appreciate very much that you carve out some of that to spend with us, so thank you!Okay onto the show. Daniel from Holland reckons Nick and Mark have gotten their Top 20 list out of whack and feels that the National Moonah course should be ranked higher, and explains why. Last week Nick outlined the Top 5 hardest 3 final holes in world golf - Roger reckons he missed one, do Nick and Mark agree? And Falco has a smokey to add, from one of the Melbourne sandbelt courses.JD has a huge prediction for 2026 for Jeeno Thitikul - Mark thinks it's a chance, Nick says it isn't. We then discuss how many majors in 2026 would be considered a 'success' by Scottie Scheffler.Message from Scott on the Ritchie Smith interview from a few weeks back - if you missed it, worth going back to, it was great. Callen enjoyed Marks masterclass on bunker play and recalled some advice Mark once gave him on a golf day! Sven loved the swing critique of 9-year old Sophie recently, and shares a story of how much his daughter enjoys beating him on the course.A wolfpacker has done an extensive trial (300 balls!!!) with a stimp meter and shares the results with us.Lots of feedback on sandbaggers. Humble hates the handicap system and says it is fundamentally flawed, Aussie talks about his inconsistency, Syd reckons his club has sandbaggers that emerge at a specific time of the year.And we wrap with Nick and Mark telling us where their handicaps are at the moment. We leave Dan's out of the discussion, his is a very long way behind Nick and Marks but improving (painfully slowly).We're live from Titleist and FootJoy HQ thanks to our great partners:BMW, luxury and comfort for the 19th hole;Titleist, the #1 ball in golf;FootJoy, the #1 shoe and glove in golf;PING will help you play your best;Golf Clearance Outlet, they beat everyone's prices;Betr, the fastest and easiest betting app in Australia;And watchMynumbers and Southern Golf Club. Hosted on Acast. See acast.com/privacy for more information.

What is literally everyone's problem in this movie? This week Raven and Campbell discuss plot holes, bad educators, and possibly the worst dialogue known to humankind in the 2022 musical film, The Magic Flute. Queen of the Night aria used for the playtime segment was performed by Rainelle Krause with the English National Opera for a 2023 run of The Magic Flute. Listen on your own at Queen of the Night | The Magic Flute ǀ English National Opera.   The Night Queen Recipe: -2 oz sesame cream* (black sesame seeds, sugar, water, coconut cream) -1 oz Jagermeister -0.5 oz Empress 1908 gin Combine ingredients into a shaker with ice. Strain into a chilled glass and enjoy! *Add ½ cup sugar, ½ cup water, and ½ cup of toasted black sesame seeds to a sauce pan and simmer for about 5 minutes. Allow to cool and blend until mixture is homogeneous. Add 3 tbsp coconut cream and blend until smooth.   You can support us by donating to: Education Through Music at https://www.classy.org/give/442371/#!/donation/checkout The D'Addario Foundation: http://www.daddariofoundation.org/about/donate  Mr. Holland's Opus Foundation: https://www.mhopus.org/donate/  Email us at boozicals@gmail.com or comment your musical requests or cocktail recommendations! Also be sure to follow us on our Instagram @boozicals for updates on your now favorite podcast.

Are you searching for the best places to live in Michigan heading into 2026? In this video, I break down Houzeo's Top 10 Best Places to Live in Michigan list and explain how the rankings were built using real data from sources like the Bureau of Labor Statistics, U.S. Census Bureau, and C2ER cost-of-living reports. We'll walk through cities like Ann Arbor, Rochester Hills, Troy, Holland, Grand Rapids, Okemos, Midland, Kalamazoo, Lansing, and Detroit, while unpacking what affordability, job stability, income levels, and housing demand really mean for someone thinking about moving to Michigan. As a Michigan Realtor helping people relocate every week, I also share what these rankings don't show — including property taxes, lifestyle differences, and long-term value — so you can decide what “best” truly means for you. If you're planning a move, download my 74-page Living in Michigan Relocation Guide linked below and reach out anytime.CONTACT ME

 The couple allegedly got engaged between Christmas 2024 and New Year at one of Zendaya's family homes in the U.S. Holland reportedly sought permission from Zendaya's father, Kazembe Ajamu Coleman, months prior to proposing.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Immigration policy has significant impacts on businesses, and the debate over wise immigration policy includes many economic and political considerations. This panel will discuss the most significant challenges that immigration policy poses for businesses, including the future of H-1B visas and I-9 enforcement.Featuring:Simon Hankinson, Senior Research Fellow, Border Security and Immigration Center, The Heritage FoundationJames Rogers, Senior Counsel, America First LegalPatrick Shen, Vice President, Immigration Policy, U.S. Chamber of CommerceChris L. Thomas, Partner, Holland & Hart(Moderator) Randel K. Johnson, Immigration Academic Fellow, Cornell Law School

Prophetic words have the power to call forth our true identity, gifts, and calling. Through the apostle Paul's encouragement of Timothy, we see how spoken, God-inspired words can strengthen faith, awaken purpose, and help us stand firm in challenging seasons. We as the Church are called to intentionally speak life-giving, identity-shaping words that help others stand strong in who God has called them to be.---Jerrell Jobe serves as the Discipleship Pastor at Engedi Church in Holland, MI and as an adjunct professor for Bethel University. His nearly 30 years of full-time ministry have focused on spiritual formation, teaching, and leadership. With a deep passion for connecting people to the biblical text through immersive travel, Jerrell has led over 100 trips across more than 25 countries, including Egypt, Jordan, Israel, Turkey, Greece, and Rome. He and his wife Charissa have three young adult children.

Even at a young age music was very important in our house. As my father was once a live and radio DJ, I spent many nights in my father's game room, (gently) dropping the needle onto an album with him, discussing the historical and cultural importance of music from the 1960s and 1970s in particular. One of the most impactful albums in my memory was the Moody Blues's “A Question of Balance”. Now, the Moody Blues were a mainstay in our musical repertoire. “Days of Future Passed” were on regular rotation. But there was something about “A Question of Balance” that has always stuck with me. The album discusses finding the balance within societal unrest, technological advances, and humanity in the late 1960s into 1970, but the phrase, “a question of balance,” is deeply etched in my guiding principles. I'm not necessarily good at it, but it's something I try to improve on every day. I'll confess to you, listeners, that I think music ministry sometimes becomes a question of balance. The demands of music ministry and balance are sometimes, in my opinion, mutually incompatible. With parish mergers increasing nationally, we sometimes find ourselves doing more Masses across more church sites, sometimes with no discussion of pay increase despite the additional workload. (I know a pastoral minister who had 9 Masses across 4 locations each weekend, not mentioning funerals and weddings!) It is, of course, part of our ministry to be fully present on Christmas Eve and Christmas Day, often with 3 hours of sleep in between. If a parish requests music for any additional occasion- a Mission Mass for Lent, Stations of the Cross, a Lenten penance service, you name it- music is very often requested, adding to the commitments, spiritual, and musical demands of a season. And yet in the midst of these challenging commitments, there are beautiful moments of God's presence that we find in our music ministers, our parishioners, and the community at large. It's a divine calling to be sure. In the midst of this calling are the practical realities we face every day. We must make ends meet, which can at times be challenging on a parish musician's salary. Furthermore, the National Office has seen a trend of job listings that ask for 4-6 Masses/weekend covered, 2 choirs to direct, covering all weddings and funerals, as a part-time position. These are the realities many ministers face. And while some work to re-establish a music ministry's value with their clergy and church leadership, others seek another career path, leaving church ministry less and less covered than it used to be. This is not a new story to many of you listening, I'm sure.But if we were open to this conversation, how would it go? If we cannot maintain a full-time status for our Directors of Music, how can we invite more music ministers to serve, knowing that they have jobs somewhere else? That, dear listeners, is a question of balance. Today we chat with Sean Holland, a part-time music minister in Kansas City, Missouri, who also works full-time as a manager of the largest garden store in the city. Sean discusses the things he does in both his part-time and full-time jobs to balance the two, both prayerfully and practically.

Series: Making Room

Anne Holland and Christine McDonald join Diana Stanley to discuss ambulatory oxygen for treatment of exertional hypoxaemia in pulmonary fibrosis.Click here to read the full article, Ambulatory oxygen for treatment of exertional hypoxaemia in pulmonary fibrosis (PFOX): a randomised sham-controlled trialhttps://www.thelancet.com/journals/lanres/article/PIIS2213-2600(26)00005-6/fulltextContinue this conversation on social!Follow us today at...https://thelancet.bsky.social/https://instagram.com/thelancetgrouphttps://facebook.com/thelancetmedicaljournalhttps://linkedIn.com/company/the-lancethttps://youtube.com/thelancettv

From The Texas Rangers To TV Star: Catching Killers. In the world of homicide investigations, few names carry the weight and respect of retired Texas Ranger Jim Holland. Known for solving some of the nation's most chilling crimes and extracting confessions where others failed, Holland's journey from The Texas Rangers to TV star has turned decades of real-life investigative work into compelling storytelling across television, podcasts, and digital media. The Podcast is available for free on the Law Enforcement Talk Radio Show and Podcast website, also on Apple Podcasts, Spotify, YouTube and most major podcast platforms. Today, audiences can follow his work through The Law Enforcement Talk Radio Show and Podcast Facebook, Instagram, LinkedIn, and major podcast platforms, including Apple Podcasts and Spotify, YouTube, where discussions about criminal investigations, interrogation psychology, and real-world police work are now widely available, for free via The Law Enforcement Talk Radio Show and Podcast to listeners hungry for authentic crime stories grounded in experience rather than fiction. The Law Enforcement Talk Radio Show and Podcast social media like their Facebook , Instagram , LinkedIn , Medium and other social media platforms. An Unexpected Path Into Police Work Holland never set out with a clear plan to become one of America's most recognized investigators. Growing up outside Chicago in Polo, Illinois, he was raised in a large family whose parents renovated an orphanage to house their seven children, an upbringing that shaped his sense of responsibility and service. Supporting articles about this and much more from Law Enforcement Talk Radio Show and Podcast in platforms like Medium , Blogspot and Linkedin . After graduating from the University of Louisville in 1993, Holland entered law enforcement in 1995 as a highway patrol trooper with the Texas Department of Public Safety. From The Texas Rangers To TV Star: Catching Killers. “I didn't map out becoming a Ranger,” Holland said in an interview. “I just wanted to do meaningful police work and help people.” That path eventually led him into the elite Texas Ranger Division, the primary investigative arm of the Texas Department of Public Safety. Founded in 1823, the Rangers are the oldest statewide law enforcement agency in the United States and specialize in major violent crimes, cold cases, public corruption, and officer-involved shootings. Available for free on the Law Enforcement Talk Radio Show and Podcast website, also on Apple Podcasts, Spotify, Youtube and most major Podcast networks. Becoming a Ranger requires years of investigative experience, advanced training, and a reputation for excellence, standards Holland met through relentless work ethic and investigative success. Life As a Texas Ranger Holland spent more than two decades working complex cases across Texas, investigating murders, serial crimes, and missing persons cases that often left families without answers. “Hard work, dedication, not sleeping, long hours, and time away from family,” Holland explained. “Being a ranger is really a life of selflessness. It's about helping those who can't help themselves anymore.” From The Texas Rangers To TV Star: Catching Killers.  Look for The Law Enforcement Talk Radio Show and Podcast on social media like their Facebook , Instagram , LinkedIn , Medium and other social media platforms. During his career, Holland worked security for then-Texas Governor George W. Bush and later played key roles in some of the country's most haunting criminal investigations. His reputation grew as someone departments called when cases stalled and traditional evidence ran dry. “I get brought in when there's no DNA or forensics,” Holland said. “My expertise is getting these people to talk.” Catching Killers and Solving Cold Cases Holland has cracked hundreds of cases, including investigations involving serial offenders and long-unsolved murders. Among his most notable achievements was his work with serial killer Samuel Little, whom the FBI later identified as the most prolific serial killer in U.S. history. Through patient interviews and psychological strategy, Holland elicited 93 confessions, helping investigators connect Little to at least 60 cold cases involving murdered women across the country. Available for free on their website and streaming on Apple Podcasts, Spotify, Youtube and other podcast platforms. The Los Angeles Times famously referred to Holland as a “serial killer whisperer,” while national programs such as 60 Minutes highlighted his interrogation methods and investigative persistence. “Justice is a hard word,” Holland said. “There's nothing fair about someone being killed. But bringing answers to families and making sure the perpetrator doesn't have the opportunity to do it again, that's what matters.” From The Texas Rangers To TV Star: Catching Killers. The Most Difficult Cases During interviews and podcast appearances, Holland frequently reflects on the emotional toll of homicide work. Some of his most difficult cases involved missing women whose investigations had gone cold for years. One particularly challenging investigation centered on the murder of a mother who vanished as a hurricane approached, creating chaos that complicated evidence collection and timelines. “These are cases where families are living in limbo,” Holland said. “You're not just solving a crime, you're giving people the ability to move forward.” His investigative work was also featured in nationally recognized cases highlighted on 48 Hours, including “The Murder of Jackie Vandagriff” and “The Plot to Kill Jamie Faith,” where fellow detectives credited Holland's interrogation techniques as pivotal breakthroughs. It is discussed across News platforms and shared on Facebook, Instagram, LinkedIn, Apple, and Spotify, where audiences continue to get their content. From Ranger Badge to Television Star After retiring from the Rangers, Holland found himself unexpectedly recruited by television producers eager to bring authentic investigative insight to true-crime audiences. He now stars in the eight-part Investigation Discovery series KILLER CONFESSIONS: CASE FILES OF A TEXAS RANGER, which premieres Tuesdays on ID, with episodes available for streaming on HBO Max. The series places viewers inside interrogation rooms, showing how cases are solved not through dramatic forensic breakthroughs but through psychology, patience, and conversation. From The Texas Rangers To TV Star: Catching Killers. You can find the Law Enforcement Talk Radio Show and Podcast on Facebook, Instagram, Pinterest, X (formerly Twitter), and LinkedIn, as well as read companion articles and updates on Medium, Blogspot, YouTube, and even IMDB. “People think investigations are always about physical evidence,” Holland said. “But sometimes it's about understanding people, why they did what they did and how to get them to tell the truth.” A New Era: Podcasts, News, and Digital Media Holland's transition into media reflects a broader shift in how audiences consume true crime. Interviews and discussions about his cases now reach global audiences through news platforms, podcasts, and social media channels. Listeners can hear Holland discuss investigative strategy and real-world policing through shows available on Apple Podcasts and Spotify, while clips and behind-the-scenes insights circulate widely on YouTube, Facebook, and Instagram. The accessibility of these platforms allows the public to better understand the realities of police work, far removed from scripted television portrayals. “People want authenticity,” Holland said. “They want to understand how these cases actually get solved.” Legacy of Service Even in retirement, Holland remains a sought-after expert in investigative interviewing, frequently speaking to law enforcement agencies nationwide. Departments still call him when cases appear unsolvable, a testament to the reputation he built over decades. From The Texas Rangers To TV Star: Catching Killers.  Available for free on their website and streaming on Apple Podcasts, Spotify, Youtube and other podcast platforms. From the interrogation room to television screens and podcasts, his mission remains unchanged. “Many victims never get the chance to speak,” Holland said. “My job has always been to make sure their stories are heard.” From The Texas Rangers to TV star, Jim Holland's career represents a rare bridge between real-world policing and public storytelling, proving that behind every solved case is not just evidence, but persistence, empathy, and the determination to keep catching killers long after the badge comes off. Be sure to check out our website . Be sure to follow us on X , Instagram , Facebook, Pinterest, Linkedin and other social media platforms for the latest episodes and news. Background song Hurricane is used with permission from the band Dark Horse Flyer. You can contact John J. “Jay” Wiley by email at Jay@letradio.com , or learn more about him on their website . Find a wide variety of great podcasts online at The Podcast Zone Facebook Page , look for the one with the bright green logo. From The Texas Rangers To TV Star: Catching Killers. Attributions Investigation Discovery Channel News 4 Jax Wikipedia Facebook Facebook Group Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

http://copperplatemailorder.com                                 Copperplate Podcast 315                                presented by Alan O'Leary                                              March 2026                             www.copperplatemailorder.com 1. Gerry Diver:  The Bath Set. Diversions 2. Dylan Carlos, Cian Sweeney & John McCartin:          Mayor Harrison's Fedora/Clamcy's Cross. The One After It 3. Andy Martyn & John Carty:  Caught in the Surf/Good Man, Noel.              Will We Give It A Go ? 4. Rita Gallagher:  The Shores of Lough Brann.  The May Morning Dew 5. Urnua:  Inisboffin.  Urnua6. Eamonn Cotter:  The Cottage in the Glen/ The Ladies Pantalettes.             Trad Music from Co Clare 7. Bobby Casey:  Colonel Fraser/Toss The Feathers                The Spirit of West Clare                                8. Gatehouse:   The Harvest Knot/The Healing Stone.                 Heather Down the Moor9. Caoimhin O'Fearghaill:          Bonaparte's Retreat/Callaghan's HP.                  Uilleann Piping From Co Waterford 10. Donal Clancy:  The Lowlands of Holland.              On The Lonesome Plain. 11. Noel Hill: The Ladies Pantalettes/Ravelled Hank of Yarn/Sean Reid's/The Silver Spear. Live in New York 12. Paddy Glackin:  Cherish the Ladies. Glackin13. Gerry Hanley:  The Old Road to Garry/Carmel O'Mahony Mulhaire.                In The Middle of It 14. Mick Mulvey & Shane Meehan:            The Sweathouse/ Corrie Hellie/The New Found Out.                 The Missing Guest    15. Gerry Diver:  Hora.  Diversions

Carl Roberts and former Wales international Nia Jones preview Wales' World Cup Qualifying campaign with special guests Josie Green, Ceri Holland and Rhiannon Roberts. With a huge 12 months ahead of them, we'll find out how Wales are preparing ahead of their first game in the 2027 World Cup qualifying campaign against the Czech Republic and we'll also hear from Josie, who's 20 weeks pregnant and juggling life on and off the training pitch.

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John 12 and 13  @justinbrierley   @SpeakLifeMedia   @CosmicSkeptic  Alex O'Connor & Glen Scrivener DEBATE morality, freedom, slavery & the Bible | Uncommon Ground https://youtu.be/-ZnVNM8lkGw?si=7W0D2Y4kdnOIYWNp    What is the TLC? ("This little corner of the Internet" also know as "the corner" https://youtu.be/Y3vqSjywot8?si=IVS3bnriwje5syPO https://www.livingstonescrc.com/give Vanderklips channel https://www.youtube.com/channel/UCX0jIcadtoxELSwehCh5QTg Bridges of Meaning Discord Link: https://discord.gg/mtKUnMKS https://www.meetup.com/sacramento-estuary/ My Substack https://paulvanderklay.substack.com/ Estuary Hub Link  https://www.estuaryhub.com/ For the audio podcast mirror on Podbean http://paulvanderklay.podbean.com/ To listen to this on ITunes https://itunes.apple.com/us/podcast/paul-vanderklays-podcast/id1394314333  If you need the RSS feed for your podcast player https://paulvanderklay.podbean.com/feed/  All Amazon links here are part of the Amazon Affiliate Program. Amazon pays a small commission at no additional cost to you if you buy through one of the product links here.  https://paypal.me/paulvanderklay Also on Odysee: https://odysee.com/@paulvanderklay https://www.patreon.com/paulvanderklay Paul's Church Content at Living Stones Channel https://www.youtube.com/channel/UCh7bdktIALZ9Nq41oVCvW-A To support Paul's work by supporting his church give here. https://tithe.ly/give?c=2160640 https://www.livingstonescrc.com/give

‘The Polyamorous Heart of Death' first appeared in the anthology . TW: 2nd person PoV, transphobia The Neutral Milk Hotel The music track that inspired this particular story: HOLLAND, 1945 Which is from the album, In The Aeroplane Over The Sea M. Lopes da Silva on Instagram: @authormlopesdasilva and on Bluesky: @mlopesdasilva.bsky.social You took her… Source

In the world of Human Resources, the journey is often marked by continuous learning and community engagement. Join us on this episode of HR Like a Boss as Kimberly Smith and Cherish Holland from Central California discuss the upcoming Workplace Symposium on March 19th. They also share their insights on navigating a career in HR, the significance of volunteering, and how to truly make an impact in the workplace.ABOUT KIMBERLY SMITHHR & Payroll Manager for 13 Prime Steak, Yolked Kitchen, PC Solutions, and MP Consultants, President of Central California SHRM. Kimberly has been in the human resource and payroll field for over 27 years. She brings a deep understanding of both people and business operations. Kimberly is passionate about creating opportunities for HR professionals to connect, learn, and grow. During her time on the CCSHRM board, she has focused on strengthening partnerships within the Central California HR community and ensuring CCSHRM continues to be a trusted resource for members and employers alike. Kimberly is committed to building a strong, inclusive network where professionals can share best practices and support one another's success.ABOUT CHERISH HOLLANDCherish has 20+ years in Human Resources and Talent Acquisition.

Michael Lynton, the former CEO of Sony Pictures, has a new book that tells the story of greenlighting the Seth Rogen comedy that provoked North Korea into hacking his studio. He traces it back to an awkward childhood in Holland and a lifelong need to fit in with the cool kids. Rob Long also had an awkward childhood in Holland. He also ended up in show business. But he's not sure Lynton's story is really a cautionary tale. The entertainment business isn't suffering from too much risk. It's suffering from too little. Also: Puppets might have helped. Learn more about your ad choices. Visit megaphone.fm/adchoices

David A. Holland has ghost-written or edited 46 published books—three of which have appeared on the New York Times non-fiction bestseller list. He also co-authored Paul Harvey's America, (Tyndale House, 2009/ awarded the 2009 Retailers Choice Award in its category).  He is the principal creative mind behind hundreds of magazine articles, radio programs, direct mail packages, television specials and video segments successfully crafted for clients from the realms of faith, public policy, professional sports, and business. Holland was a founding partner of Cobalt Bridge Multichannel, a strategic consultancy specializing in multichannel marketing. He resides in Dallas, Texas and is a frequent speaker on the intersection of faith, media, and public policy.

Series: Making Room

Wendy Holland is an Alabama woman who became publicly known after a broader criminal investigation involving members of her extended family in Mobile County. The investigation gained attention during the time of the 2012 disappearance of her teenage relative, Brittney Wood, a case that drew significant media coverage and later became the subject of true crime documentaries.As a result of the investigation, Wendy Holland was convicted of charges related to sexual abuse and incest involving minors. Her convictions stemmed from evidence uncovered by authorities during that period, and she was sentenced under Alabama law for those offenses. Brittney Wood's disappearance remains unsolved.https://linktr.ee/UnforbiddentruthBecome a supporter of this podcast: https://www.spreaker.com/podcast/unforbidden-truth--4724561/support.

Wendy Holland is an Alabama woman who became publicly known after a broader criminal investigation involving members of her extended family in Mobile County. The investigation gained attention during the time of the 2012 disappearance of her teenage relative, Brittney Wood, a case that drew significant media coverage and later became the subject of true crime documentaries.As a result of the investigation, Wendy Holland was convicted of charges related to sexual abuse and incest involving minors. Her convictions stemmed from evidence uncovered by authorities during that period, and she was sentenced under Alabama law for those offenses. Brittney Wood's disappearance remains unsolved.https://linktr.ee/UnforbiddentruthBecome a supporter of this podcast: https://www.spreaker.com/podcast/unforbidden-truth--4724561/support.

Send a textInstructional coaching isn't just about the latest tech—it's about solving problems and seeing the human in front of you. In this episode, Celine and Katie welcome Dr. Kaylah Holland, a Google Certified Innovator and ISTE award winner, to discuss how we can revolutionize Professional Development.Dr. Holland shares her "non-negotiables" for effective PD and takes us inside the unique world of coaching in juvenile justice facilities. From low-tech engagement strategies like "mood meters" to building trust in high-stress environments, Kaylah explains how consistency and creativity can transform any classroom.

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Rumors have been swirling about what to expect from SPIDER-MAN: BRAND NEW DAY, the latest adventure in Tom Holland's MCU aligned web-slinging saga! Not only Holland is returning, but Mark Ruffalo will reprise his role as Bruce Banner/Hulk, Jon Bernthal is back in black as Frank Castle/the Punisher, Michael Mando is donning the Scorpion suit, and Marvin Jones III is confirmed as Tombstone, but... who will be the main villain? Plus, trailers for TOY STORY 5, THE MANDALORIAN AND GROGU, and Nicolas Cage as SPIDER-NOIR!Support!⁠https://www.allsorrows.com/store/p/danger-boi-the-antagonists-comic⁠⁠https://chuffed.org/project/167415-monarca-mn-rapid-response-line⁠More DJ!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/djtalkstrash⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More Roxy! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/roxystriar⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Theme Music by: Steven James SchmidtFor exclusive bonus podcasts like What We're Into, Mutant Academy, and more, check out our Patreon! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/OnlyStupidAnswers

⭐️ Get your $5 sign-up bonus at http://privacy.com/legalbytes . You can use it on your first purchase! Privacy has a free plan with no transaction fees for domestic purchases. Protect your financial identity online with virtual cards. Thanks again to Privacy for sponsoring this video! In this video, we're talking about how Logan Paul may have just painted himself into a corner in his defamation case against Coffeezilla. Paul is seeking discovery from third party Don Holland (the class representative in the CryptoZoo class action case), and now, in order to get what he wants from Holland, he's going to need to help prove Coffeezilla's point in arguing that the two lawsuits should be tried in the same venue. Playlist on the controversy: https://www.youtube.com/playlist?list=PLbQVtXJ42xmgK-q-z8tbezUbVTHPMGmXc TIME STAMPS 0:00 Introduction 0:51 Logan Paul's Motion to Compel Discovery from Don Holland 6:31 Coffeezilla's Motion to Transfer & Stay 8:36 The Elements of Defamation 10:41 Issue Preclusion 13:52 What Do You Think? CONTEXT: After Coffeezilla exposed Sam Bankman-Fried and the collapse of FTX, he turned his sights on Logan Paul's crypto NFT project, Cryptozoo. See his videos here: Investigating Logan Paul's Biggest Crypto Scam: https://www.youtube.com/watch?v=386p68_lDHA The Biggest Fraud in Logan Paul's Scam: https://www.youtube.com/watch?v=wvzyDg40-yw Ending Logan Paul's Biggest Scam: https://www.youtube.com/watch?v=8-fugWMBwCg In response, Logan Paul posted a short video to his main channel, Logan Paul, in which he threatened Coffeezilla with a defamation lawsuit. He followed this with an episode of his podcast, Impaulsive, where he repeated the same threat. He has since taken down both videos and reached out to Coffeezilla to inform him that he's no longer pursuing litigation--but he still may have opened himself up to liability along the way, nonetheless. ------------------- To Become a Member of Byte Club, you can pick between YT or Patreon: YT Members: https://www.youtube.com/channel/UCJvDEmKLft6F2MxhuNUMwag/join Patreon: https://patreon.com/legalbytes -------------------- Follow me here! X: https://x.com/legalbytesmedia Instagram: https://instagram.com/legalbytesmedia Facebook: https://Facebook.com/legalbytesmedia --------------------

Det sägs att vi svenskar är bäst i världen på att älska tulpaner, men varför gillar vi den här lökväxten så mycket? Och hur funkar den? Lyssna på alla avsnitt i Sveriges Radios app. Den vilda tulpanen har sitt ursprung i Centralasien men har sedan spridit sig till andra platser i Europa. Den har älskats för sin skönhet under mycket lång tid och på 1600-talet orsakade den till och med världens första finanskris i Holland.I Sverige odlades de första tulpanerna av Olof Rudbeck den äldre redan på 1600-talet i Uppsala men blev inte tillgängliga för allmogen förrän någon gång på 1800-talet, de var alltför kostsamma.På ett fält i Alnarp så samlar den Nationella genbanken på äldre svenska tulpanlökar som odlats i våra trädgårdar, men de samlar inte bara på lökarna utan också historierna om de älskade tulpanerna...Medverkande: Frida Mörnerud, trädgårdsmästare Wij Trädgårdar, och Karin Persson, genbankskurator SLU.Reporter: Joacim Lindwalljoacim.lindwall@sr.seProducent: Lars Broströmlars.brostrom@sr.se

Lucy, Theo, Andrew, and Ben bring you: Holland's least plausible cop, a harmless potentially lethal viral teen prank, a Faustian NFL tickets bargain, a potential Flübberheist, the hotel safe, Happy Wednesday, and going a little crazy in the moment. *** Outro: Chicago - Groove Armada *** Support our show and get exclusive bonus episodes by subscribing on Patreon: www.patreon.com/BoontaVista *** Email the show at mailbag@boontavista.com! Call in and leave us a question or a message on 1800-317-515 to be answered on the show! *** Website: boontavista.com Twitch: twitch.tv/boontavista

S6:E16 If you keep hearing about the short-term rental tax loophole but it feels confusing, this episode makes it easy-peasy to understand. We unpack how 100% bonus depreciation can create big paper losses that may offset active income when structured correctly. Loralyn Mears, PhD, aka "Dr. LL," brings you thoughtful conversations with entrepreneurs and small business leaders navigating visibility, leadership, and growth. Thank you for being here. Overview A lot of smart, high-earning people are trying to "do the right thing" financially, but they are quietly stuck in analysis paralysis, platform dependence, or bad assumptions about what's actually possible. This episode sits inside that tension: you want real assets and real leverage, but you also want clarity, guardrails, and a plan that does not take over your life. That's the difference between buying a property and building an asset that actually performs.

This week on Black on Black Cinema, the crew returns to discuss the 2025 psychological thriller, "The Dutchman." Based on Amiri Baraka's groundbreaking 1964 Obie Award-winning one-act play, the film follows Clay (André Holland), a successful but troubled Black businessman navigating a crumbling marriage with his wife Kaya (Zazie Beetz). After a therapy session with the enigmatic Dr. Amiri (Stephen McKinley Henderson), Clay encounters Lula (Kate Mara), a seductive and sinister white woman on a New York subway, who draws him into a dangerous psychological game of cat and mouse that forces him to confront his identity, his marriage, and the concept of double consciousness. Directed by Andre Gaines and co-written with Qasim Basir, the film also stars Aldis Hodge and Lauren E. Banks. The crew digs into the film's exploration of race, assimilation, Black male identity, and whether this modern adaptation does justice to Baraka's original text — or if the meta-theatrical approach gets in its own way.Black on Black Cinema is a long-running podcast featuring in-depth Black movie reviews and frank conversations that matter to the Black community. We review Black films across every genre — from Black horror and Black sci-fi to indie dramas, comedies, and blockbuster action. Covering filmmakers like Spike Lee, Jordan Peele, Ryan Coogler, Ava DuVernay, and more. Hosted by Jay, Micah, Terrence, and T'ara. Featured on RogerEbert.com. A TNP Studios production. New episodes weekly on Spotify, Apple Podcasts, YouTube, and all major platforms. For more TNP Studios content, check out The Nerdpocalypse (movie & TV news), Look Forward (progressive politics), and Dense Pixels (video game news).

Christina Aulick is the Global Missions Pastor at Engedi Church in Holland, Michigan. At 34 years old, Christina was diagnosed with breast cancer and thrust quickly into a season of suffering, healing, and survival. She and Brian reflect on the nearness of God amidst this acutely challenging chapter of their lives and marriage.Links & Episode Notes MTA 64: Mike Luepke Returns: On Managing a Megachurch Asajj Ventress | Wookieepedia CaringBridge Rick Warren Scripture ReferencesJames 1:4

Leslie Holland, Assistant Professor at University of Wisconsin, Madison, shares the results of some of her work examining fungicides to suppress Botryosphaeria infections in almond pruning wounds as a Ph.D. student at UC Davis. Leslie shares what works, as well as the key tip to dealing with fungal infections in orchard crops: preventing the infection from occurring in the first place. Mention of pesticide use does not constitute a pesticide recommendation. Always follow the pesticide label. Find out more at ipm.ucanr.edu/. Thank you to the Almond, Pistachio, Prune, and Walnut Boards of California for their kind donations. Thank you to Muriel Gordon for the music.The views, thoughts, and opinions expressed are the speaker's own and do not represent the views, thoughts, and opinions of the University of California. The material and information presented here is for general information purposes only. The "University of California" name and all forms and abbreviations are the property of its owner and its use does not imply endorsement of or opposition to any specific organization, product, or service.

In this episode of the Tax Smart REI Podcast, Thomas Castelli and Nathan Sosa sit down with Preston Holland, President and Founder of Prestige Aircraft Finance, to unpack what it really takes to buy back your time through private aviation. The conversation tackles the big tax questions: Can you really write off 100% of a private jet using bonus depreciation? What qualifies as legitimate business use? And how closely is the IRS scrutinizing aircraft deductions? If you've seen the “write off a private jet” hype online and want the truth about what works and what doesn't, this episode is required listening. To become a client, request a consultation from Hall CPA, PLLC at go.therealestatecpa.com/3KSEev6 Subscribe to REI Daily & Enter to Win a FREE Strategy Call: go.therealestatecpa.com/41JuQBX The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

Diane Keaton's first feature as a director wasn't a romantic comedy — it was an existential documentary about the afterlife. On this episode of She's All Over the Place, host Katie Chonacas sits down with producer Arnie Holland to discuss the 2026 HD remaster and re-release of Heaven, Diane Keaton's unconventional documentary exploring what people truly believe happens after death. Originally released to critical curiosity and now restored for modern audiences, Heaven blends interviews, film clips, and music to examine religion, Hollywood mythology, and humanity's fascination with paradise. The film features everyday people, spiritual thinkers, and public figures answering questions like: What does God look like? Is there a reward? Is there consciousness after death? The documentary includes a score by Academy Award-winning composer Howard Shore and a soundtrack featuring Lionel Richie, Sam Cooke, The Dream Academy, and more. Producer Arnie Holland explains how the film was made, why Keaton pursued the subject, and why the movie feels especially relevant in today's culture. We also discuss the restoration process, theatrical re-release, and the new limited-edition Blu-ray and digital release. Topics covered: • Diane Keaton as a first-time director • Hollywood and spirituality • Documentary filmmaking • Afterlife beliefs across cultures • Restoring classic films in HD • The business of film distribution • Music licensing and soundtrack selection Heaven releases February 17, 2026 on Blu-ray, VOD, and digital platforms.

Three teenagers. A remote island in Middle Tennessee. A Wednesday morning in the summer of '97. Brothers Heath and Hayes Holland and their friend Seth were doing what they always did, exploring Hole in the Wall Island on Percy Priest Lake, when they came face to face with something that defied explanation. Standing by a massive tree was an eight-foot creature with dark fur, horns, a wolf-like snout, snarling teeth, and glowing red eyes. It wasn't a Bigfoot. It wasn't quite a Goatman. And it was staring right at them.The Holland brothers join us live in studio with a story they've carried for nearly three decades. Hayes followed the creature through the brush for fifteen minutes while Heath ran for his life, and their dad wrote the whole thing off until locals started reporting similar sightings at the nearby boat dock. What was it? A cryptid? A demon? Something that doesn't have a name yet? Growing up in a conservative Southern church didn't prepare them for what they saw, but it might just be the lens that makes the most sense of it. Welcome to the horned creature of Antioch. Learn more about your ad choices. Visit megaphone.fm/adchoices

Patrick Holland joins us again to update us on the politics going on in the state of Missouri. As one of the final states to truly stand up for constitutional rights, Patrick discusses how the sound money act passing has affected the state in positive ways especially as Gold and Silver went on a generational run the last month. We also discuss the current battle over the Second Amendment. Tap in with the community and learn how to fight for your local policy, because that's the only way we can make a difference in today's world. LINKShttps://CanaryCry.Supporthttps://mofree.orghttps://www.youtube.com/@missourifreedominitiative4248

Patrick Holland joins us again to update us on the politics going on in the state of Missouri. As one of the final states to truly stand up for constitutional rights, Patrick discusses how the sound money act passing has affected the state in positive ways especially as Gold and Silver went on a generational run the last month. We also discuss the current battle over the Second Amendment. Tap in with the community and learn how to fight for your local policy, because that's the only way we can make a difference in today's world.   LINKS https://CanaryCry.Support https://mofree.org https://www.youtube.com/@missourifreedominitiative4248

This week on Black on Black Cinema, the crew returns to announce the next film, 2025's "The Dutchman." The film follows a successful black businessman, haunted by his crumbling marriage and identity crisis, who is drawn into a sexualized game of cat and mouse with a mysterious white woman on a subway that leads to a violent conclusion. Starring Andre Holland, Kate Mara, Stephen McKinley Henderson, and Zazie Beats. The random topic this week is on our thoughts of the battle for the Super Bowl halftime shows: Bad Bunny vs cadre of washed up white conservative musicians in their Turning Point USA safe space. A conversation on what and more importantly who has and continues to define American culture.

*Content Warning: institutional betrayal, sexual violence, stalking, on-campus violence, intimate partner violence, gender-based violence, stalking, rape, and sexual assault.Free + Confidential Resources + Safety Tips: somethingwaswrong.com/resources   Follow Dr. Kathryn Holland: Website: https://psychology.unl.edu/person/kathryn-holland/ Dr. Kathryn Holland on Google Scholars: https://scholar.google.com/citations?user=OgJhWwoAAAAJ&hl=en SWW Sticker Shop!: https://brokencyclemedia.com/sticker-shop SWW S25 Theme Song & Artwork: The S25 cover art is by the Amazing Sara Stewart instagram.com/okaynotgreat/ The S25 theme song is a cover of Glad Rag's U Think U from their album Wonder Under, performed by the incredible Abayomi instagram.com/Abayomithesinger. The S25 theme song cover was produced by Janice “JP” Pacheco instagram.com/jtooswavy/ at The Grill Studios in Emeryville, CA instagram.com/thegrillstudios/ Follow Something Was Wrong: Website: somethingwaswrong.com  IG: instagram.com/somethingwaswrongpodcast TikTok: tiktok.com/@somethingwaswrongpodcast  Follow Tiffany Reese: Website: tiffanyreese.me  IG: instagram.com/lookieboo Resources: End Rape on Campus: https://endrapeoncampus.org/ It's On Us: https://itsonus.org/ Know Your IX: https://www.advocatesforyouth.org/campaigns/know-your-ix/ Sources: Dear Colleague Letter, May 26, 2011 (PDF), www.ed.gov/sites/ed/files/about/offices/list/ocr/letters/colleague-201105-ese.pdf “Welcome.” Sexual Assault and Sexual Health Lab | Nebraska, sashlab.unl.edu/ Holland, K. J., & Cortina, L. M. (2017). The evolving landscape of sexual harassment: Research, policy, and practice. American Psychologist, 72(7), 612–625. https://doi.org/10.1037/amp0000103 Holland, K. J., & Cortina, L. M. (2013). When sex-based harassment becomes sexual harassment: College students' experiences. Journal of Applied Psychology, 98(2), 313–328. https://doi.org/10.1037/a0032040 Holland, K. J., & Cortina, L. M. (2016). Sexual harassment: Undermining the well-being of working women. Journal of Social Issues, 72(4), 825–842. https://doi.org/10.1111/josi.12190 Holland, K. J., Rabelo, V. C., & Cortina, L. M. (2014). Sex-based harassment and discrimination: Evidence of psychological harm. Psychology of Women Quarterly, 38(3), 368–382. https://doi.org/10.1177/0361684314521575 Holland, K. J. (2019). Culture, power, and gender-based violence in institutions. In C. B. Travis & J. W. White (Eds.), APA Handbook of the Psychology of Women (Vol. 2, pp. 253–271). American Psychological Association. https://doi.org/10.1037/0000059-014

Former factory Honda mechanic and manager tells us about the stories behind Honda, David Bailey, the works bikes, RC, Holland and more.

When President Jeffrey R. Holland, president of the Quorum of the Twelve Apostles of The Church of Jesus Christ of Latter-day Saints, died on Dec. 27, 2025, his biography was already in the works. Following his 2023 health scare, President Holland contacted Church historian Matt Grow to document his life story. On this episode of the Church News podcast, Grow shares how working with President Holland during their one-on-one conversations helped build his testimony of the Savior. He is joined by guest host and fellow Church leader biographer Sheri Dew, executive vice president of Deseret Management Corp. and a former member of the Relief Society general presidency. Both highlight President Holland’s faith in Jesus Christ, his candor, his communication skills and his unfailing hope. The Church News Podcast is a weekly podcast that invites listeners to make a journey of connection with members of The Church of Jesus Christ of Latter-day Saints across the globe. Hosts Jon Ryan Jensen, editor of the Church News, and Church News reporter Mary Richards share unique views of the stories, events, and people who form this international faith. With each episode, listeners are asked to embark on a journey to learn from one another and ponder, “What do I know now?” because of the experience. Produced by KellieAnn Halvorsen.