Podcasts about how where

Justin Letheby  0:00   Okay, everybody, welcome back to the professor of real estate. This week we get to talk with Sean Morrissey. He is an investing real estate agent and managing broker. He does it all. He's also has a podcast this week, we get to talk to him about how he got started in investing, why he got started in investing, as well, as, you know, kind of the things to think about if you wanted to jump into the investing side of real estate. I really hope you enjoy this episode, there was a ton to learn from it. And we'll chat after that. Welcome to the professor of real estate podcast. My name is Justin Letheby. And I'm a realtor trainer and coach. My sole purpose here is to take my many years in real estate, as well as my even many more years as a trainer and get you to your goals and beyond. I'm going to do this by talking about business growth, development, branding, marketing, you know, basically all successful things that entrepreneurs are doing today. And hey, since I'm your tech guy, there's going to be tech thrown in here as well. So let's go Okay, everybody, welcome. This is Justin this E Professor real estate and today I've got the one and only Sean Morrissey. And he's a real estate agent, broker, landlord property manager, maybe a property manager, property manager, he does those things. He's also a guy I have known for, what, 10 years now. I mean, since I've seen you come through the office, I think it's longer than that. Oh, seven, so 14. Okay, this man. Yeah, I like tennis. Sounds younger is better. Um, so yeah, 14 years. Um, so the reason I brought Shawn on today is I believe in all my heart that if we're doing real estate, we're doing it so we can help other agents. But we also believe we want to invest, right, we got to have a retirement program or something of some sort. And that's actually one of the things that Shawn has actually wrote in his goals for this year is that he wants to have financial freedom by the end of this year. So we'll get into that question here in a little bit. But that's what I wanted to bring him on for Shawn. Anything I missed? SEan MOrrissey  2:44   I mean, yeah, I can give the listeners a little bit of a background on myself. I mean, I ultimately got into real estate back in 2000, to purchase my first rental property in 2003. I actually got my real estate license in late 2006, because I thought it'd make me a better investor. And right around the time I met Justin at Keller Williams, in 2007. Ultimately, the market bottomed out, right, that's when things kind of fell apart. It was awesome. Yeah, timing was, it was it was something. So having said all that, you know, back in those days, I tend to I what I did is I targeted a lot of folks that couldn't sell their property didn't necessarily want to go through the short sale or foreclosure process and still would have like a positive cash flow and renting their home. And I would rent out the home in 2010, that evolved into property management in 2011. That evolved into me opening my own brokerage, Chicagoland Realty Group partners here in the western suburbs of the Chicagoland area. And then we managed up to 200 properties at one point, ultimately, assign that portfolio to a competing brokerage in early 2018. All along the way, kind of focusing on my real estate investment, ultimately just buy and hold stuff for the most part in being a landlord and using my property management system to help scale over time. And, you know, really, from 2018 on the focus has been more of becoming more of the landlord because becoming more of the passive investor to some degree, although still very, very hands on with the self management, and then if you know, done less brokering over the years, ultimately me I've sold homes put more or less energy into that and more into finding local folks that ultimately would love to sell their property. And and have it make sense for both our our buy and hold model and or, you know, flip model is what we're looking into now. So, yeah, that's that's kind of a 1718 year summary in about two minutes. Justin Letheby  4:50   Well, that's awesome. And you know, you're leading me I think fairly well on to some of the first more natural questions. And I think you've already answered a little bit right with the introduction, but I do want to ask why Did you go the route you did? Was that the intention from the setup? And were you would you did you go to real estate saying, You know what, I want to be that investor? You know, maybe discoveries happened along the way as I get that, but Is that me? Was that one of the reasons why you did this? SEan MOrrissey  5:13   Yeah, I mean, what's funny is discoveries do certainly happen along the way. But when I, when I initially got started back in 2000, to 2003, I mean, it all, it all came from a book that my dad gave me, which was really about using real estate investment as a tax shelter. And back in those days, I was I don't even know what a tax shelter meant. Um, so that was the intent. Um, you know, as dumb luck would have it, ultimately, I'd get involved in different real estate investment clubs here, you know, locally in the Chicagoland area from 2003, to 2006. And into 2010, really, that just kind of left me in a good position, market bottomed out in a way that I could help folks in renting their home, because I had already had that experience and evicted folks and had, you know, ultimately, put together a system so that I knew how to rent to quality people. And that's what a lot of people were learning now. No, come 2010 2011 I mean, my thought wasn't necessarily that I wanted to become more of an investor than an agent. My thought was really, I wanted to become more of an agent, property manager than an investor, because I could see some scalability there over time. But, you know, I think what ultimately evolves is a as I grew as, as an agent, as a property manager, and as an investor, I came to learn that, you know, as an agent, especially, you always got to hustle for the next deal, right? You've got always got to have referrals in the pipeline, or other agents you're working with, or a system in place for lead generation, because that's, that's always that's always key. And then after that transaction is completed, well, you're, you're back out there hustling again. And there's certainly advantages to potentially like the time per hour you spent on not only trying to find new leads, but processing the transaction. But what I came to find over time is when you own an asset that can produce, you know, not only positive rental cash flows, but you know, ideally appreciates over time, you're paying down the principal of that mortgage balance, and you're getting tax benefits, the net effect in regards to adding one's net worth tends to compound as opposed to the the agency or brokering business, or the the property manager, which I probably even say the property management business is great, because of the fact that you have one year contracts and a reoccurring revenue stream and once a month basis, as an agent, you don't necessarily have that. So you got to have the, the relationships in place to make up for that. And, you know, for that reason, there's there's very successful agents that probably say, Why invest in real estate or why even consider property management as a model. On the opposite end of the spectrum, like myself, that's a well the investment model works great. Because by management systems are already in place. And I know where I got it, what I got to do on a day to day basis to maintain that reoccurring revenue stream. So hopefully that all makes sense. But that's, you know, in a nutshell, kind of where my mind had been over, over surely years. Justin Letheby  8:21   Well, and you know, I think you raise a very huge point, you know, I you know, especially right now, right? I think you you probably asked the best question realtors are going, why would I want to invest right now I plan a sign and I sell it in two days. I get 15 offers all above asking, this is a beautiful day. But as you also said, me and you I mean, I started I think one year before you. It may be three months. I don't know I was there before you got there in the office. but not by much right. And the world came crashing down on us. And I tell you I left side tangent I keep telling a lot of people I don't know about you, but what me and you started in feels eerily similar to what's going on right now. Everybody's loving Hi, they're loving good. They're not questioning anything, right? They're not doing any of that. You know that wonderment right? Which is what it felt like when I walked in I planted a sign I sold the home it was easy. It was it was the hardest one Well, yeah, finding the business but once you found the business, everything else was easy. Unknown Speaker  9:23   So Justin Letheby  9:25   long tangent short, the question I got for this is this real simple. Would you because I know you kind of started off lease my recollection a little bit as a property manager, right? Is that a natural progression to do what you did because I know the reason I think it's good because you mentioned it already is there is continuous income right there when that when things do go drive that still is producing for you. At least yearly if not better than yearly. SEan MOrrissey  9:54   Absolutely. So back in the good old days of you know, 2009 dead really 2000 And 13 I mean, that's what paid the bills on a month to month basis, that reoccurring revenue stream. Um, and it's something that, you know, I suppose all agents should consider. But at the same time, I think what's changed a lot since 2010 to today is that Tech has really stepped in and said, Hey, property managers, or Hey, landlords, frankly, we can solve all these problems for you. So that ultimately, you don't need to pay that property manager 10% that that individual person or that company doesn't host as much value as they wanted once did, because tech is figured out how to, you know, figure out, ultimately how to process work orders faster, using their own maintenance crews, or, you know, collecting rent on line via credit card or checking and savings account. I mean, that wasn't available back in 2010. So there's, it might be possible for an agent to say, hey, I want to I want to start in property management tomorrow and build a model. But man, there's, there's way more competition than they used to be. Compared to 2010. There's less demand, because everybody's home selling a day right now. So it's, it's very, it's not particularly driving for most folks to say, why would I rent when I can sell for top dollar? And, um, and then yeah, tech is kind of changed things to where ultimately, um, you know, as a landlord, you can find, you know, software like nest egg that, to me is, is really figured out kind of a lot of the issues that prop that landlords were having that property managers would self but to do it for a cheaper price. So it's a it's an ever changing world, right? I mean, we've got to continuously change and adjust as the times change. And that's, you know, I guess that's what I see. Now. Justin Letheby  11:41   So let's take this to another way. Let's take it to another conversation. Just a side tangent, let's let me play the devil's advocate. Technology has made life so easy. Why do I need a property manager? SEan MOrrissey  11:53   Oh, so yeah, I mean, I would say that some of the things they haven't figured out via tech, in my opinion, and based on my experience, is leasing, it's there's there are self showing options when it comes to leasing. But at the end of the day, you're counting on that individual to stop it and not only be able to get in without an issue, and see the place, but to turn off all lights, make sure the doors are locked, and you know, frankly, not be a squatter, so I'm having a local property manager that will show your property and then an efficient basis, there's, there's, for sure, or or real estate broker for that matter. Um, but the rent collection piece of it, it's, it's pretty well solved, in my opinion, if you if you dig deep enough into the tech solutions available, e lease signing, I mean, that's basically solved Point A to Point B lease signing, there's no big deal, they're requesting repairs, a lot of that's been figured out. But I will say there's still a lot of loopholes, when it comes to getting the vendor in touch with the tenant. And then getting the vendor in the door to make that repair. There. There's a company out there called property meld I've, I've had some relations with that tries to solve that. But it all it all comes at a price. So if the price isn't justified to make that solution affordable, then that's not a justifiable solution. So there's that and you know that that's figured out a lot of it when it comes to work orders. And then the last piece, in my opinion, which we haven't really figured out, is performing inspections to that property on a regular basis. So you may want to see your property manager get in there once a year, twice a year, maybe four times a year, depending on the tenants level of cooperation and the class of property. But to do that, you really need somebody that's boots on the ground, right? That's local. So with that in mind, you know, it's tough for tech to figure that stuff out. So there's still some reasons out there in my opinion as to why leasing agents, real estate brokering with rental listings still exists when it comes to the leasing side of things. But really, it's that inspection piece that I suppose is the one that's probably the most inept to having technology solve yet. And you know, and then till that happens, there's there's still demand out there. And there's still landlords that don't know the solutions that are available to them when it comes to tech. So they may pick up the phone and call the property manager whenever he talks to him first they go with so it's a you know, it's a ever changing world once again. Justin Letheby  14:26   Well, yeah, and it sounds like to me, you know, it's Unknown Speaker  14:28   you know, it's Justin Letheby  14:29   from an agent's perspective, it's a fairly logical flow, because we're we succeed in this business from a property manager is where we succeed as a real estate business, right? It's the relationships. It's not the, it's not the processes, right? Because if we can, if we can set up a process, they can be duplicated through technology, right? Those are the things that can be mimicked and duplicated, but our processes are not our processes, our relationships in which I keep trying to teach people so often, it's the relationship business run. It's the it's the service providers that we know it's the vendors that we Know, it's the wealth of database of clientele that I have access to that I'm going to give you results from, which is where I think most of this comes from in here. Because I always think and maybe you're wrong, if I'm wrong, let me know from a property management perspective. But I think one of these always we fail on is we always try to say, we're faster, cheaper, slow on lower, right? Well, if those are your three items that you're selling on, someone's going to build a better mousetrap. And now you're, you're fighting a losing battle. SEan MOrrissey  15:32   Yeah, and that goes with all industries, right? I mean, Chapter fees, faster, cheaper, better, is kind of the the name of the game and you know, the kind of the American model, I suppose. But your points a great one, that if there's one thing that can't take away from us, if there's one thing that competing agents can't take away from us, it's the relationships we have with those, those those people out there in your community and what you're doing. And I feel like if you, you know, nourish those, that ultimately you'll be, you'll be sustainable over time. And we stay, that would be my my thought. But again, I think, you know, we kind of go back to the idea of, you know, what makes real estate buy and hold the real estate investment so attractive to me versus the agency model. And it's that you own a hard asset that has rental cash flows every month that, you know, pay down the principal appreciation over time, and some tax benefits. And the agency model doesn't necessarily have that. But again, it goes back to what we were talking just five minutes, if you focus on those relationships, there's probably ways in which your GCI exceeds what you would anticipate to obtain on rental cash flows, which would justify you building that agency model rather than a real estate investment model. So, you know, to each their own, I suppose? Well, yeah, Justin Letheby  16:55   I would agree with that. I also think it goes to our skill sets, right? I mean, you know, some of our skill sets are going to be we just want to be out doing those things. We want to look at homes every day, you know, there are certain people you know, I hear from agents, I just want to get home, I just want to go home with clients. I think that's fun. Okay, great. Well, in the maybe investing isn't going to be your thing, because you don't want to go look at your property that someone else just beat the heck out of right. That's not something you're gonna want to do. Yeah. But I do think that if you are trying to price point, your hourly wage agency versus investing, I think there's an there's an obvious difference there. Right. I SEan MOrrissey  17:33   mean, there is definitely especially getting started, right? I mean, it takes time to build a portfolio. So the agency side of things is going to make much more sense in the short term. But you know, in my case along with it, yeah, then in the long term, the the the buy and hold side is gonna make a little more sense. But you're right, it's, it's all going to come down to your skill set, and where you want to focus your energy. And you know, where I find the most enjoyment is to go out there and find the deal, frankly. So that's, that's where I focus my energy. Unknown Speaker  18:04   So this, Justin Letheby  18:06   yeah, this leverage as well, right to the next question. So you moved from property manager. And again, I know I'm simplifying the conversation, but just for the points purposes, you move from property manager to being a little bit more on the investment side, where you're, you're at this point in time. How Where did you go, did you do buy and hold? Did you do flip? Now, again, we're gonna take this for perspective, because we knew started real estate in the downturn. So some of these were not a decision you can make. They're just realities that you had to be in, right? I mean, sometimes it was just a buy and hold market. That's the only thing you're gonna have for an option. Some remember flips, cuz that's the only options we had. But so, let me ask you I know right now, I think you're mostly buying hold, right? Yeah. But you and we'll talk about flipping a little bit. So let's talk about that. So when you're looking, why are you looking? Why were you looking last couple years, three, four, or five, whatever, pick your number. Why are you looking at a buy and hold versus a flip strategy? Last, SEan MOrrissey  19:00   I really came down to knowing that rents were ever increasing as as home prices are increasing on the sales side, I suppose. And, you know, ultimately, the strategy that three uses in their in their toolboxes, you're looking for some kind of value add, right, so you're looking for that rundown house in a beautiful neighborhood that you can improve and either flip or rent out or you know, some might consider it you know, wholesaling so that's that's kind of the the target market now I tend to float more towards the small multifamily these days, and instead of continuously, chips are looking into real estate syndications. Try to keep everything in house. But yeah, at the end of the day, that's really what I was looking for now, given where we're at in the market now with with prices being so great and the drop in interest rates over the last years. It's a great time to unload kind of the low hanging fruit on your portfolio to say all right this how requires a lot of repairs, or it's not in a neighborhood that attracts great tenants, or the associations not maintaining the property the way I feel it should be. And I think, you know, it makes sense to unload those properties. Now. Other than that, I, you know, I tend to be kind of a buy until you die type attitude, because of the the capital gains reset, which is actually on the table right now in Washington. But having said all that, um, you know, I guess that's just the general philosophy, I mean, based on where we're at in the market, right now unload the the bad stuff, hold on to the good stuff, and continue to ride the wave. You know, we'll see where we're at in three, four years. But, you know, I can't ever see our federal government or the state government letting the bottom fall out of real estate, like it didn't wait. And my, I believe there's already some some markers in place to prevent that. So it's, yeah, well, I mean, it's, it's still a great asset class. Justin Letheby  20:57   And, and and you're absolutely right on that. Right. I mean, which is, I think it's challenging for investors, right, because I don't think there's going to be the same investing opportunity we had six years ago. Um, you know, there was a windfall going in the area. And the thing that I worry about, or I watch with this, because I do think I think we're gonna see a shift in the market, I think we're gonna see prices plateau out, I think we might even see a dip in pricing, not like we did, you know, in 2007 2008, through 2013, we're not going to see that. But for most of what you just said, right, I think the government's already has tools and keys in place to, to stop that hemorrhage before it starts. But with that being said, we still have to be aware it's going on, because I use remind a lot reminders for people that aren't that are listening from across the country that aren't used to it remind is a prospecting tool that's out there tax database tool that will show you business opportunities. And if you actually look at the pre foreclosures for the last six months, they've actually increased. Now, they're not going short, right, and they're not getting foreclosed the pre foreclosure. So the list pendants are being filed. They're just not. They're not coming out right there. They're not even hidden inventory, right. They're not even that the hidden inventory that people like to talk about, this is just not going up there, because the government or the banks are working with them ahead of the game. So with that, if you're looking for properties, what would you recommend today? How are you going to find those properties? Because I don't think we're going to see the same opportunity we did six, seven years ago, we're gonna see I'm not nearly the same way. SEan MOrrissey  22:28   No, you're right. And I mean, ultimately, we're not going to see the same opportunities as six, seven years ago, and it's tough to be an investor in 2021, open the MLS and be like, Oh, I'm gonna, you know, potentially overpay for a property or, you know, ultimately purchase a property that's going to have limited rental cash flow, because of what I'm buying it for? And to answer your question, you just got to dig deeper, right? I mean, ultimately, you've got to find the deals, and no one else is finding, and as the marketplace is become more competitive, you know, as an investor, that's only become more difficult. So you've got to be able to find information that no one else can find. So if you're going and you're looking in, in remind, as an investor, you know, you can pretty much bank that the majority of agents that are investors are probably doing the same thing as well. So it's, it's very difficult to find that deal. So then the next question is, you know, should you just hold on to the cash and wait till these lists pendens get processed? And now there's going to be this flood of foreclosures? I mean, is that possible? I mean, it is, but from what I've read, it sounds like there's gonna be some government intervention there and ultimately limit the amount of foreclosures that hits the market at any time. So we may see a price dip, but we're not going to see a collapse. And in my opinion, and with that in mind, you know, those are folks that have been holding on to cash since 2017. that have been like, here it comes. I mean, here we are four years later, and we're like, Where's the recession? Right? You know, we're in we're getting to a point where we may be limiting any, any form of recession moving forward, just with the the amount of money that's been printed. So it's a, it may be more of an inflationary game moving forward than it is a, you know, wait for prices to fall, because any kind of deflation at this point is, I think it's gonna be hard pressed to see. Justin Letheby  24:16   Well, and you make a good point, right? There's actually I talked to a mortgage person out in Arizona quite a bit. And he's had the same conversation I used to have, like, we're gonna see something, right. I mean, again, it feels too early, like when me and you started just like something's got to happen. SEan MOrrissey  24:30   But it's like a war on affordability. I mean, that's the thing when you when I think of what's going to happen over the next 10 years, there's gonna be government intervention when it comes to affordable housing, because I mean, you've seen it, Justin, I mean, look at the cost of lumber right now. Like, what's the point of building anything new, we got to wait for supply systems to get back on track, wait for prices to fall before that even makes sense. And even then, you know, unless we start printing 3d houses or, you know, mobile home parks. Become zoning eligible. I don't know how we quite solve that affordability issue. And yeah, unless the market drops to some crazy capacity, that's going to be kind of the ongoing issue. And you know, and I've seen it here in the state of Illinois, where I feel like there is a war against landlords right now. I mean, rent control has been on the books two times in the last couple of years and hasn't quite gone through yet. But, you know, it's eventually right. Eventually, it will. Yeah. And, you know, then we got the eviction moratorium, right, which creates a whole other slew issues, which we kind of talked about, you know, prior to this call. And it's, it's one of those things, we're really if you're, if you're a government official, it's a war on affordable housing, how do we build housing cheaper for the slew of Americans to make their lives better, and yet that penalize the general public in doing so? So that's, to me, that's the, that's the battle for the next 10 years. Justin Letheby  26:01   Interesting. Well, okay, so let's talk about this real quick, then we're going to move to a different conversation. But I think this is fascinating. This is how I talk what we do. If you guys listen to me on the podcast, folks, you know, this, I like going with the flow naturally. But you mentioned something, how much do you think for the next two years? forbearance are going to play on you as an investor agent? SEan MOrrissey  26:25   forbearance, meaning like, no, so not Justin Letheby  26:27   you going into forbearance, but other people going into forbearance that can not because remember, well, so for this short story, long story short, right? when this started happening in April of last year, when all this stuff, you know, our world got turned upside down. I brought in for mortgage people I said, let's talk about forbearance. So we can educate the public. And I'll be honest with you, they they kind of Whammy me because they go stop doing the forbearance, they're not good for you. X, Y and Z. I'll do this for you instead, right? It was, it was amazing conversation, I learned a ton. But the thing I really learned from it that I didn't actually recognize at that point in time was there's really a couple different versions of forbearance out there, one that's going to get tied to the back of the loan whenever the forbearance is over. And the other one that says do when the forbearance is over, right, so we got some that have had 12 months of no payments, and they're going to be due at that point. Well, even if they can afford to sell their home, they can't afford to pay that forbearance. SEan MOrrissey  27:30   Yeah, their equity is basically getting chewed up by those payments. Right. Right. You know, I'm assuming there's no later penalty fees. But if there are, I mean, good luck. Justin Letheby  27:40   So my guess so I'm so you as an investor, I know me as a real estate agent, trainer coach for ages trying to feel how to get ready for the next pending market, which is what I think the next pending market is going to be. I would think from you, as an investor, you're looking at this as potential opportunity, whether it shows that way or not. I guess that's why I'm looking at it. Am I wrong? Are you looking at it that way? SEan MOrrissey  28:03   Oh, you're right. I mean, there's a lot of folks out there that are that are, you know, lip licking their chops, right, that say, Hey, you know, I've had cash on the sidelines, I'm going to wait for these wait for this COVID situation to play out. And you know, the sales will be at a discount all over. But again, I question if that's going to be the case, I think there's going to be government intervention there because they don't want to see 2008 happen again. And it's going to be much more limited. And going back to your point of, you know, the two types of forbearance that you tend to see, I mean, I'm not educated on that. But assuming you were the unlucky one that ultimately has 12 months of payments due or beyond that, at the end of COVID. You know, whatever that means, at the end of the day, I'd like to think there's going to be intervention there too, because we just, it just tends to be the it just tends to be the the juice that's been poured lately. Um, so yeah, I'm not expecting any great deals. But I would anticipate given the amount that's been added to the US money supply, that anybody who holds hard assets, like real estate, is ultimately going to see the prices inflate, doesn't necessarily mean there's been more like added to the gross domestic product for that matter. It's just that the US dollar will be worth less. I mean, that's what I'm anticipating but I it sounds like you know, Biden's gonna try to counter that with increased taxes and, you know, talk about 1031 exchange termination and stuff, which I don't necessarily think is gonna happen, but at the end of the day, I just, I can't see us, and I can't see is getting around inflation at this point. And, you know, and again, we're going off on some tangents here. But there's another reason I think Bitcoin is so intriguing to poised folks, as well, because there's a fixed money supply that's tied. to something and ultimately, we're not just creating money out of thin air. So Justin Letheby  30:03   there's three of you, I want to bring on to that conversation at some point. I'm a real estate agent. SEan MOrrissey  30:09   Yes. And I'm qualified to really speak to Bitcoin. But it's it's certainly something that fascinated me. And in the process of COVID, in our solutions as a country in regards to stimulus, and what we've done to the money supply, so, again, it's one of those things where it's like, you may look at the the market out there and say, it's a great time to sell, and you're right. Um, but if you're just to hold, I would, man, I'd be likely to think that ultimately, natural inflationary pressures are going to increase the value of your real estate over the next 510 years, as this money hits the system more and, you know, unless our, our federal government can limit that unless the Federal Reserve can limit that to some degree. Just, you know, it's a good time to be an asset holder, I Justin Letheby  30:58   suppose, just with used cars, right. I mean, with the with the last recession, and that current presidential group and senators and that we they bought essentially all the used cars out. And now what you're seeing, what's that? SEan MOrrissey  31:14   That's an interesting way to look at it. And in regards to, yeah, bailouts. Justin Letheby  31:19   It's what we're seeing, right? I mean, I don't know about you, but I know in my car isn't even desirable. They're still calling me saying do you do you want to trade your car in because it's, there's such a huge pent up demand for us cars, that that can't be satisfied. Because we did it right. And so that's what I worry about some of these things, right. I mean, you know, inflation is gonna happen, as you just said, which again, you know, if you're, again, the reason we're talking about this, from an investor perspective, that's why this point matters. Because if you want to buy, still, I think today is a great buy and hold scenario, you may not get through by the 50% off home. But that inflation is going to make it 50% off hopefully, in the next few years. Because that that pent up demand, no one's building homes, all this other stuffs going in place could be a very interesting play out there. Now, you don't ever want to gamble investing, and I think Shawn would agree with that you don't ever want to gamble on these risks. But these are the factors we got to pay attention to. SEan MOrrissey  32:14   Well, and just to elaborate a little bit more, you know, in going really back to the topic, because then I'm getting a little off base here. But at the end of the day, I always think it's effective as, as an agent or broker to have tried to create multiple streams of income, right, so you've got, you know, your your sale piece, maybe your listing piece, you got your your buyer agent team, perhaps you've got a few rental properties, you know, you've got your stock portfolio, you've got your property management portfolio, I mean, at the end of the day, Now, given where we're at, and we tracked where real estate has been. And really common sense tells us like this is no longer like affordable for the general consensus of America, in my opinion. Create your systems now. So that if things you know, do have a tumble down effect, and those mortgage forbearances lead to a flood or foreclosures that you're there, and you're ready, and prepared to have income in place, so that ultimately, you're not going to be one of the ones that are that are bitten by the bug here. So, um, yeah, it's, you know, develop your plan for multiple streams of income based on your skill set. And if you don't have a skill set, then work on developing that range of skills so that ultimately you can you can be there to benefit from it, or survive through it, whatever happens over the next Well, Justin Letheby  33:35   I think that's interesting. And that brings up a very good question that follows the flow what we started on, you said build systems, right? And I mentioned that we all have our own skill set. Well, maybe my skill set isn't the one to go hunt and find the deal but my skill set is the one to build the relationships or find a property and someone else established a deal prayer for you know, paradigm on it. Did Did you or do you even recommend building that team? I know you talked about syndication and I'm not talking about that really at this point in time. But I mean, you I know investors, you know, the real estate investor book right The Millionaire real estate investor book, you go to real estate groups, it's one of the biggest most common topics you hear build that team around you. Is it something that you encourage you know, to build the you know, the financier to build your your bird dog so to speak, and you know, those kinds of steps? SEan MOrrissey  34:29   Yeah, I mean, if you can do it and do it right, absolutely. Have I done it and done it right Nin I really, I mean, you know, when I went to open my own brokerage and you know, and a handful of agents working for me know what I came to realize pretty quick was that ultimately I didn't have the systems in place to manage those people. And ultimately, I'm I was really relying on skill set to bring revenue into the office rather than train others, right and a lot of that comes from an owner operator. mentality. And I and I learned that at that time now, my opinion these days is I tried to scale, you know, via tech via improvement of systems through technology, rather than bring another person on board to the team. So that's that's kind of what I focus on these at this moment in time. But I mean, I can tell you all sorts of folks that I have seen since 2010, since the downturn that ultimately knew how to know how to work with people know how to develop systems with people, and they were able to leverage that. And now they're leaps and bounds ahead of wherever I thought I could be. So understanding how to manage people is is absolutely critical in this world. And I wish I had the silver bullet to figure out but I simply don't. So I, you know, I kind of went the other direction and said, Alright, well, I'm going to find different tech tools that help make my time more efficient so that I can do more with less. And that's, I guess that's, that's really, you know, what I continue to do moving forward. Unknown Speaker  36:03   So, oh, Justin Letheby  36:06   I don't want to kill our time. We've been doing this for a few minutes. I got two more questions. I got Wally, one more question. What do those systems look like for an agent? So if you were to tell a newbie agent me, right, I'm not a newbie agent. But let's say I'm the newbie agent says, Shawn, you know what? I want to be an investor? I have no cash. I am literally starting out there. I have people I know. But I have no cash. What would you tell me? How would you tell me to get started? And what systems? Do I What are those systems? Maybe you don't want to give me the whole secret sauce, I totally get that. But what are those from SEan MOrrissey  36:40   time, I'm happy to give you whatever I got. So assuming we've got a licensed agent, right, somebody that is licensed to sell real estate, ironically enough, I probably tell them go that route first, because that's the point of least resistance in order to obtain the most income quickly. So with that in mind, you know, and part of the reason I went to Keller Williams, frankly, was because the the training systems were so good in terms of you know, being in the classroom and learning what you need to learn to survive on a day to day basis via marketing, or how to fill a contract or whatever the case might be. But at the end of the day, sitting in a desk in a room for a few hours a day, can only get you so far, it makes you you know, book smart, but not necessarily street smart. So really, you want to work with an agent that already has that establish lead generation system and work under their tutelage. Right. So ultimately, they're mentoring you, which is kind of the premise of what a team really should be is that you learn what you need to learn from that team leader, in my opinion. And then once you learn that, and you've feel comfortable in generating your own lead cycle, then ultimately, you go out on your own, and you do it yourself. And after you do it on yourself, then I'd recommend you open up your own brokerage too. Because, you know, again, it depends on the state. But it's, it's not the most difficult thing in the world. And now you've got, you know, no commission split, in essence, depending on how you structure things. So all that comes into play to develop first, once you've developed that, and you've got some funds on the side, and you've got some relationships built through your agency stream, then I'd say, buy that first rental property buy that, that first opportunity, and that may just come through happenstance from your relationship building with people out there in the general public, which is the best way to do it. Because you know, as I'm sure all sorts of agency this day and age, you know, finding a deal on the MLS is it's impossible, it's very difficult. Although ironically, I found one in December that's turning in. That is like an anomaly, man, it's it really is. So having said all that, that's, that's the way I would go, um, focus on your agents game, build your relationships, but at the same time, attend those weekly meetups or this day and age and you do them all through resume, in terms of real estate investment clubs local to you. And, you know, once you kind of get the agency thing figured out, your property management systems can be relatively plug and play this day and age, you buy your first property, you, you know, the burn models talked about all the time these days, but you buy your rehab, you refinance, and you repeat, and that's, that's all you need to know. So you've got your net worth being built in the form of real estate and pretties that you you buy and hold all while you're, you know, churning away your agency system. And if you got those two working side by side, and then you've got like a third property management arm that happens to sprout over time because you're managing your own properties. And you can also help your clients in the process of doing so then more power to you. Now, you know, that's, that's basically who I am. It's those three arms and they play off each other and they work well together. And I've tried to expand that into like, you know, cleaning businesses or carpet cleaning businesses or handyman services and natural progresses all that right. You would you would think so more difficult. And are much more, much more in the face of the public. So it's, it's, you know, I don't want to push the envelope that far, but I've seen other property managers do that where they've, they've made that work and it's an even more profitable stream of income than the property management is. So it's, it's, uh, you know, there's, there's different ways to skin that cat, there's just, you just got to take it all in time and really look for the big picture in regards to where you want to be in 510 years, and then what that translates into into income, and then work it backwards in regards to what it's going to take to get you there, I suppose. I like Justin Letheby  40:39   that. And again, I pretty much what I watched you do those three things that you naturally grew into. So I love that setup. And again, I don't think it needs to be complicated, it feels complicated. And trust me, it feels stressful. But I don't think it doesn't have to be either one of them. If you if you step systematize your process and you move through it in a natural flow. Perfect. Last question. And then you get to talk about whatever you want to talk about how you know, whatever thing you want to promote any, any has any, like, wow, that was an interesting discovery through your journey that you want to make sure people realize that, like not that you want them not to go through, but you want them to either be prepared for or learn how to avoid before they get there. SEan MOrrissey  41:21   Yeah, it's a good question. I think the first thing that comes to mind is you gotta you gotta respect that you're, you're part of larger systems in play here, right? So we could happen in 2008. And we can't control what's happening now with COVID, right? Like I am, I am probably losing here daily over this eviction moratorium and the fact that, you know, we're now on 16, going on 17 months. Um, you know, I've used the analogy of imagine your employer telling you that they're not going to pay you for 17 months, and you can't go to court and do anything about it, but you're expected to go to work every day and work just as hard. That's, that's what landlords are going through right now. And I I'd love to see the general public step off in back the the mom and pop landlord, especially because of the fact that they're the backbone to affordable housing, in this country for folks that aren't ready to buy. And, you know, I can't help but I'll get off my soapbox, Justin Letheby  42:19   though, because it's risky if people were not ready for and that's SEan MOrrissey  42:22   why he came out of left field, right? I mean, those are the swans that we have to keep in the back of our mind are going to happen in life. And when they do happen in life, you want to be liquid enough to get through it. So you know, always make sure you got at least six months in reserves, because like this, or, you know, what happened into and out of those things usually comes opportunity. At least that's the way I look at it. So, yeah, I mean, always, you know, you probably heard all the time growing up, but always prepare for the worst. And if you can do that, and you certainly keep enough liquidity on hand, you know, you'll be able to get through, get through anything. So, you know, that's relatively simple answer, I suppose. But it's it's one that kind of hits home with me right now, when it comes to the eviction moratorium and the fact that, you know, we're really going to have to get through the end of June before we can start to look past COVID Justin Letheby  43:17   Well, and I laughed because I'm telling people on the real estate side, not even investor side to start saving an extra 10% not because I think the market is going to shift that fast. But my thought is right now we don't know what's going to happen. something's gonna happen. It could skyrocket or it could fall my prediction is it's going to fall not huge. I agree with you. I think government's going to protect SEan MOrrissey  43:36   to some degree. Yeah, there'll be some intervention Yeah, but Justin Letheby  43:40   I would rather people right now save that extra 10% and then go on a great vacation because they no longer needed to worry about it. Then realize what we discovered. I mean, I watched huge teams fall apart as soon as the recession hit in 2007 Yep. And I just again I feel so eerily to me the similar that I really would like I just want people to save a little bit more money and the same thing you're saying right just save that little extra as nest egg so you can withstand the uncontrollable right and yeah, SEan MOrrissey  44:15   I mean, I think of 2018 I mean, there are a whole offices that would just like dry up overnight. And you know, they were they were over leveraged frankly so it's just being sensitive to that over the over leveraging that so easy to do. You know, in our culture, I suppose. Justin Letheby  44:31   Well, awesome. Unknown Speaker  44:31   Well shot I do Justin Letheby  44:32   appreciate your time. I don't want to kill all your time. I know you're an extremely busy person. But um, you know, this is your time to promote whatever you want to promote. tell anybody that you want to go to like, for instance, I was horrible, and I forgot to talk about you have your own podcast and investing podcast. SEan MOrrissey  44:48   Yeah. Yeah. Yeah. It's actually you know, I just realized that the other day, but yeah, I've got a podcast called landlording for life kind of defines who I am. To some degree landlord for life, but yeah, we were just pushing 100 episodes. And we'll cover all sorts of different topics when it comes to landlord stuff that's really just on a nationwide level nothing really specific locally. And you know, so yeah, pushing 100 episodes, if you go to landlording for life.com, you'll find all the previous episodes there. And I've got some show notes and stuff that, you know, you can dig into a little bit. But yeah, we're at roughly a little over 38,000 downloads. So that's, that's kind of exciting. And, you know, we'd love to educate more agents in regards to using buy and hold real estate is, is an alternative to they're not even an alternative as a supplement to their retirement plan. So something everybody everybody should be looking into, especially if you're an agent already. I mean, that's what your specialty is. So do it. Justin Letheby  45:52   Yeah, no, I agree. I think landlording for life is great, because I think having that retirement programs in place, right, where our average age actually went up, or 54 as an agent, and I think part of it is we don't have that. We never had that in place when we were starting to set that up as a real estate agent. So I think it's huge. Yeah, absolutely. Well, thanks, Shawn. I appreciate your time. Hopefully, we'll get you back on talking about cryptocurrency, Steve. SEan MOrrissey  46:17   Yeah, not sure if I'm qualified, but it's certainly intriguing. Well, let Justin Letheby  46:20   Steve talk about it all. Awesome. Thank you, sir.  

Everyday we have the power to choose. Either you will choose to win or you will choose to lose. You will choose to create results or you won't. Inside the game of growth and change you find very quickly that no one can force you or I to truly do anything that we don't choose to do. You will not bring about change unless you are committed to bringing about change. But what happens is we tend to overcomplicate everything. We make things complicated and use it as an excuse. Your life is not complicated. It might be hard, but it's not complicated. We overcomplicate, and avoid the hard stuff. Today's Daily Download will open up the possibility that you have been living in a story that getting the results you're after is "too complicated" when actually its just hard work you are avoiding. As we become aware of where we are and face what is truly holding us back we then we take back the control to create and move into gertting what we want. todays opportunity assignment is WHERE, WHAT and HOW *WHERE in your life today are you currently creating simple things that are hard to be complex? *WHAT is one area of the foundation you see this in? *HOW is this effecting the results you desire?

How / Where to Get Ideas & How to apply them in your work.

How to Use Video to Grow Your Business - the Why, How & Where to use VIDEO! I chat with Paul Sheaffe - Founder of Pauls Productions - about how important video is to your business, what types of videos you need and where to put them! A MUST SEE!! Feel free to get in touch with Paul! Website - https://paulsproductions.com/ LinkedIn - https://www.linkedin.com/in/paulsheaffe/ FB - https://www.facebook.com/PaulsProductions/ Video Course: “How to Use VIDEO to Dramatically Grow Your Business (Paul Sheaffe & Peter Scarfo) -        https://bizmarketingproductions.com/

I’m officially 31! How? Where did the time go?    Here I am officially in my 30’s with no man, no kids, no 3 bedroom home with a white picket fence, and yet I’m happy. At this point, I’m no longer checking any more boxes. I’ve made the decision to simply create the life I want.    There was a time I thought everything had to happen “this way.” Once it didn’t I felt kinda bamboozled by everything I was taught. Little did I know it was life was testing me and giving me all the nuggets I needed.    With that said, I’m giving you 7 Ways To Embrace Your 30s. Get ready to listen up and take notes. I know you’ll thank me later.    Take a listen here on Apple Podcast, Spotify, and Stitcher    ANNOUNCEMENTS    Budget Like Me!  FREE EBOOK https://bit.ly/MoneyMap2020   JOIN THE COMMUNITY    Super Easy!    Let’s kee-kee together in the Single Living Community. This is where we can dish a discuss any and everything amongst ourselves with no judgment, join here: https://bit.ly/SingleLivingFB    DROP ME A LINE   Jump in my DMs and “DROP ME A LINE” a quick audio question/drop here  @iamSebastien    Find On Social   Show: @SingleLiving.Co   Host: @iamSebastien 

Ep 348 COVID Career Kick Starter SpirituallyRAW The Ass Whipping Truth Guest Gina Gardiner Reinvent your professional life & kick start your career! Gina Gardiner did it against all adds...and so can you! Gina's journey has not been an easy one. She had a serious ski accident, in February 1983 when she fell between 150 -200 ft down a black run when the mogul she was sitting on gave way. She has learned to walk twice as an adult, & became the Head Principal, and ran a school for 21 years --mostly from a wheelchair. Gina is a No1 International Bestselling Author, Motivational Speaker, and Transformational Leadership Trainer with well over 30 years of experience helping people experience happiness, success, and fulfillment. 1. You fell 150-200 ft down a black run, how did this actually happen? 2. What was going through ur mind while this was happening – real-time? 3. What was your spirituality like at this time? 4. How was your life impacted 5. How did u rebuild your life? 6. Was it a transformation of mental, psychical, and spiritual? 7. Your body had to be in great pain, what did u do to control it? 8. "You believe that a disability is a metaphor for life”. Explain. 9. You say “the greatest gift of your disability was the creation of a very different approach to helping people step into their genuine power.” How so? 10. You reinvented your professional life... HOW? Where did u start? 11. You wrote, “Manage Your Staff More Effectively and Kick Start Your Career”. 1. What advice do you have for business owners today, going through this pandemic? 2. How can they manage their staff More Effectively? 3. And what suggestions or steps would you give to help entrepreneurs Kick Start their Career, now? 12. What do you see this pandemic transitioning into? 13. Where are we going as a society? 14. Some people are really losing it right now, what can they do to find a sense of purpose and fulfillment, when they feel like life is crashing down around them? Or worse the world is collapsing? 14. Tell us about the 5 Secret Pathways in your book, ‘Thriving Not Surviving – The Five Secret Pathways To Happiness, Success, and Fulfilment.’

Barking Drones in New Jersey.. Tucker Carlson soundbite, and Lance/Pastor Kurt's reaction Video: Watch on MediaMatters.org Back story: TUCKER CARLSON (Foxnews): Last month, Christians across the country were legally prohibited from celebrating Easter in their own churches. The national media barely noted it. How exactly is this happening? Well, it turns out, that's not clear. Strangely, not very many people have asked. Politicians have no right to do any of this. They cannot make it illegal for people to go to religious services. The Constitution of the United States expressly prohibits that. The words could not be clearer. The First Amendment explicitly prevents government from making any law that inhibits the exercise of religious faith. That's not a detail or footnote, it is a cornerstone of our history and of our legal system. Millions of people, probably your ancestors, fled to this country from around the world precisely because our Bill of Rights gave them this guarantee. It's why this country was founded, and in a moment, it's gone. How? Where did politicians get the authority to do this? Because some elderly power drunk epidemiologist told them to do it? That's not how our system works. It can't work that way.

Listen to the IT echo chamber and you will hear about automation. Different products and tools but the message is no more manual, one off configurations. Several phrases used that we will discuss. Common responses, why? Why now? How? Where does one start? This week Aaron Strong, Nathan Bennett, and Vince Wood start down the rabbit hole that is Automation. Based on the conversation, A part 2 is in the works. In Part 1, We spoke to the following points: Mutable vs Immutable Infrastructure Long standing virtual machines vs short lived VMs Snowflake vs Phoenix Snowflake - servers are managed manually. Operators make changes to the system by hand, creating a unique deployment. Practice is common but causes problems when needing to update the system or software. Phoenix - Servers are created through automation. Can be risen from the ashes. Infrastructure as Code Declarative vs Imperative IaC Configuration Management Decrease technical dept, because configurations are stored in code repositories. Speed of deployments - efficiency Consistency of workflow Links Want an example of automation in action? How about KubeDoom? Nathan's Blog

For All Abilities – The Podcast Warda Farah - Digital and Workplace Accessibility    In this episode, I interview Warda Farah- Speech Language Therapist. On the podcast, Warda talks about her ongoing diagnosis and living and working with neuro diversity. We discuss her career as a speech language therapist.  To connect with Warda, please follow her  on LinkedIn (Warda Farah) or email her at enquiry@languagewaves.co.uk.    Go to our website www.forallabilities.com for information on our software that enables employers to support their employees with ADHD, Dyslexia, Learning Differences and Autism. Thanks for listening!  Betsy     Thanks for listening to For All Abilities today!    Share the podcast with your friends, they’ll thank you for it!   Get our newsletter and stay up to date! The newsletter link is on our website www.forallabilities.com   Follow me   Twitter: @betsyfurler   Instagram: @forallabilities   Facebook: @forallabilites   LinkedIn: @BetsyFurler   Website: www.forallabilities.com   Full Transcription from Otter.ai       Betsy Furler  0:05   Welcome to for all abilities the podcast. This is your host, Betsy Furler. The aim of this podcast is to highlight the amazing things people with ADHD, dyslexia, learning differences and autism are doing to improve our world. Have a listen to for all abilities, the podcast and please subscribe on whatever podcast app you're listening to us on.   Hi, everybody, welcome to the for all abilities podcast. Today I have a special guest warda Farah, and she is a speech therapist in the London area she was diagnosed or as she's actually in the process of being diagnosed with ADHD. So she's another person who was diagnosed later in life. So I can't wait to hear more about her story. So please, let's all Welcome warda to the for all abilities podcast. Hey warda thank you so much for joining me today.   Warda Farrah  1:07   Hi, Betsy. Thank you for having me. I'm really excited to talk to you.   Betsy Furler  1:12   Awesome. Well tell us give us a little introduction.   Warda Farrah  1:16   You're so I'm so I'm a speech and language therapist. I've been doing niche for about five years now. I've recently set up my own independent practice, which is called language waves. And so that's what I want. That's what I've been doing. Previously, I used to work in the NHS, which is kind of I don't know if you've got an American equivalent for it, but it's just a national health service. And so but now I work in private practice.   Betsy Furler  1:44   So I'm I've always loved doing private practice as well as a speech pathologist. So that's great. Yeah, it's it gives you so much more freedom in many, many ways.   Warda Farrah  1:53   Yeah, flex and scope to do things as you see fit rather than what's prescribed and The lines that you should work in. Yes,   Betsy Furler  2:02   exactly. So I would love to hear a little bit about what you were like as a little girl and what school was like for you.   Warda Farrah  2:11   I mean, it's a really interesting story because as, as, as a as a young child, I was in a problematic child, I was probably shy, quiet.   Did did pretty well in school.   But I could never finish homework, I could never start homework. And so I used to wake up really early in the morning to do my homework, because I wouldn't do it the night before. And that used to get me into trouble. So a lot of my early kind of reports or parent evening reports would say, has ability or has potential, but doesn't apply herself or is very, is highly gifted, but doesn't apply herself. And so I went through Lot of that in primary school. I don't know, I just always used to feel a lack of motivation. So not wanting to be at school, not wanting to do tasks, not finding them particularly interesting, switching off being chatty, but because I was quite academic or, you know, a quite bright child, I could always complete my schoolwork for the teacher, so it was kind of a mismatch profile.   Betsy Furler  3:36   And it sounds like you were well behaved so you weren't the typical, hyperactive type of child. No, I'd   Warda Farrah  3:44   be kind of a quiet child, but I do kind of kind of get away with things because the teachers weren't looking at me. I could get I could get away so it's not that I wasn't as naughty as the other children or as hyperactive as that. But the way that I would do it was quite in a controlled manner.   Betsy Furler  4:06   Kind of daydreaming shut down.   Warda Farrah  4:07   Yeah. Lots of fidget, sitting with my pen, lots of kicking under the table. Lots of just doodling. And that's how I kind of got it out and lots of chatting. Yes,   Betsy Furler  4:19   we're good. It's inherently a speech therapist. It's interesting because I did a previous interview with a woman named amber Holly she's a therapist, marriage and family therapist and, and she had a kind of a similar profile as a young child. She was also diagnosed later in life. And it's interesting to talk to women who as girls really weren't identified because it seems like even in 2020, that it's the behavior that usually gets eyes on to the problem.   Warda Farrah  5:00   I think nobody could even I think, because now was it as a speech language therapist and having so much experience with different children and seeing different profiles. Even I at the time knew something wasn't right. But I always thought I was lazy. Uh huh. The why. So the reason why I don't, you know, do things as I should is maybe I'm lazy, I look for shortcuts. I get bored easily. So the topic wasn't interesting to me. So for me, it was I was always trying to figure out exactly what it was it was only maybe a few years ago, when I kind of looked looked kind of at myself, let's stop looking at the children I was working with and looked at myself and looked at my profile and I saw another really mismatch type of profile, where I'm really gifted in some areas, but struggle with kind of basic tasks or basic kind of function. So what's, what's that out?   Betsy Furler  5:53   So when I think the procrastination is really interesting to me, because I've heard from several other people that home Mark is such an issue. And I think frequently when our kids don't want to do homework, we're annoyed with them. We feel like they just don't want to do it. They want to do something else. And I think sometimes that procrastination comes out in that homework piece when you're when you're little.   Warda Farrah  6:19   It but what I noticed is that I say for example, it was a simple comprehension exercise or, or an essay. I could never get ready to start it. But if you gave me a different type of project, something I was really, really interested in. I could work on it all day and all night and all week and all month. So was for me, I was always trying to figure out why do I have periods where with some things, I can just immerse myself in them, complete them and totally do it. And with these simple kind of things, I just can't stop them. I can't stop them. And I will only Start them when there is this time pressure,   Betsy Furler  7:03   right? When you have free   Warda Farrah  7:04   will. And then it's extremely stressful because you're always doing things at the last minute. And when you do things at the last minute, you know, it's not a real representation of your ability. So you always kind of feel bad, like you haven't done you the best that you can do.   Betsy Furler  7:20   Right, right. And then that guilt kind of, kind of Yeah, why?   Warda Farrah  7:23   You know, why? Why am I so lazy? Why can't I do it? Why can everybody else focus? And just get it done? Why what, how can they just kind of kick their fingers and be able to do it, and for me, it I have to go around the long way around, and it might take me hours or days or weeks before I start a task which might not actually even take that long.   Betsy Furler  7:45   Great, right? So you must have done fairly well in school because you did end up going to university and then graduate school. So tell us a little bit about that process.   Warda Farrah  7:57   So So what We would call secondary school which is kind of like high school. I started off kind of being a promising student but just I don't know what it was a lack of motivation it I left with a few seeds and a few bees. So I didn't do very well there. And because it took me so long to figure out what I wanted to do, instead of going straight into going straight to college, I did a few different jobs realized it wasn't for me. So I took a bit of a bit of a detour before I actually decided to go to university   that a little bit longer.   Betsy Furler  8:39   exactly the same as Amber, the other woman that I've interviewed. It's so interesting. You the two of you have followed a very similar path.   Warda Farrah  8:49   Yeah, it just took it to where everybody at 18 will know will everybody at 16 knew what they wanted to do and had a plan. I did not have a plan. Right. So and it was what am I? What am I going to do with my life? And I thought, because I was quite, I wouldn't say I'd say quite. I loved education and learning, but just not at school. So I was trying to figure out what would I love to immerse myself and what would I love to know more about and I thought, you know what, I would like to work with children. So worked and worked in childcare and did that and then kind of saw that, actually, for me to ever kind of move up and do well in a career. I need to get kind of my academics done, so I'd have to go to university, I'd have to get that grade to show people that I am capable. That makes sense,   Betsy Furler  9:45   right? Because you probably loved working with the kids and were great with it. But you knew you didn't want to be a childcare provider your entire life.   Warda Farrah  9:53   No, I wanted to do I wanted to do more. Right. It just seemed that the opportunities were not there. If you don't have a degree or people that really kind of didn't take you as seriously or you have to go through many more hurdles to prove that you're smart, or the only reason that you didn't go to university is because you didn't want to go.   Betsy Furler  10:14   Rice.   Warda Farrah  10:17   It was a it was a, it was a tough, it was a tough thing for me, but also it's kind of like a maturity thing. It felt like it took me longer to mature than others. Uh huh. So by the time I was at university, and I was older than some of my peers, that was the right time for me to figure out exactly what I wanted to do in life.   Right.   Betsy Furler  10:40   So then he went back, how old were you when you went back to school? That was about 20. Okay, so not too not too much of a delay to a few years. If he   Warda Farrah  10:51   is he a few years, but I mean, it's cool. Yeah, that bit of a delay,   Betsy Furler  10:57   Ray, but I think it is, it's hard for a A lot of 16 year olds to know what they want to do when you have to choose so young. That's, that's a lot to expect someone to do.   Warda Farrah  11:10   Yeah, but, and it is a lot to expect. But like I said, All my peers, all my friends, you know, they're not they even if they didn't know what they wanted to do, they kind of fell in line and just did it. Whereas I was kind of like, I don't want to do it, so I'm not gonna do it.   Betsy Furler  11:26   Right, right. And I think that's what happens a lot. I know that's what happened to me. I went to college, you know, graduated from high school, went directly to college and studied psychology and sociology and religion. And then after I graduated, and decided, Oh, I think I need to get a grad school also, that's when I found communication disorders. So, once you went back to school, did you find it that you were procrastinating less that it was easier for you because of the maturity or how did that go?   Warda Farrah  11:59   Um, it Was it in a weird way on the surface, it didn't look like it was difficult for me. But under the surface, it was it was it was quite hard for me because now I had found something I wanted to do. And I wanted to excel in it, and I and I was interested. But that would be kind of issues with the motivation. So I I'd fall into the same traps again, and completing assignments.   Not late but the night before. Right?   I just not learning from it. And even even to the point where when I handed in my thesis will equal a thesis and we call it a dissertation over here. It was, you know, I had I had completed it on the day that it was supposed to be in. So even though Right, right, finishing, I still couldn't do it. You know, I did it in time. I couldn't you know, I had months to do it.   Betsy Furler  12:56   Right, right. So it was still it was still a challenge. What about When you got out out of school and started working,   Warda Farrah  13:04   and when I got out of school and I started working it was, I mean, it was it. It was fine. It was fine because I've always been able to, because I'm a person who does last things last minute, I'm quite flexible. And because I'm flexible, I'm able to adapt, which is great when you're working with people, children, or when things don't go well or they don't follow a particular timeframe. So working with people, the actual physical act of doing things that that just comes that just came naturally to me, I could do that. And that was not a problem. But it was always kind of the now I've got to write a report.   Betsy Furler  13:45   Right, right, which is for the people in the audience who aren't in the speech therapy or other therapy world we have a lot of we have some daily paperwork and then we have to write these evaluation reports which can be very good difficult to get motivated to write? Yeah,   Warda Farrah  14:04   yeah. It's very difficult to get motivated to do but because for me, I understand the importance of it. It was just one of those things that you have to do it. You have, you have to do it.   Betsy Furler  14:16   So, so you just pushed through and and   Warda Farrah  14:20   just just pushed through but hated it.   Betsy Furler  14:23   Right, right. So when did you decide that you wanted to go through testing or however you're going about getting a diagnosis?   Warda Farrah  14:32   Well, well, what happened is so for a number of years, I always thought what's, what's this all about? Or, for example, one example where if, say, for example, it was time to study for a test. I couldn't do it by myself. I'd need to have the study group. Aha, I could never I could never just kind of sit by myself and do it. I get bored really easily. I'd switch off. I you know, and then I do the last minute, type crumbing thing. So sorry, what was the question again? Why did you decide to pursue a diagnosis? What kind of how are you going around that about that? Well, because I, because I had kind of noticed that hey, actually, what I'm going through isn't typical. Uh huh. It was it was kind of when when I kind of realized that and I thought Actually, I'm putting in a lot of effort, a lot of hard work. I always feel like I'm not reaching my full potential. I always feel like, in some ways, I'm missing the mark. I'm, I'm, you know, I've got 10 different projects I'm doing. I'm doing this I'm doing this. I'm part of this club and pop that and everybody thinks I am balancing things really well. People think I'm an overachiever, a high achiever. I'm always doing something new. I'm always on the go. of always, but for me, it's like I just wanted to know, you know, These kinds of two facets of my personality where I'm on the go and overachieving and doing lots, but then there's this other side where it's not able to prioritize not able to focus.   You know, always losing things   for me was such a mismatch that I thought something's not right.   Betsy Furler  16:22   Right. I think that takes so much insight to be able to see that in yourself and realize, wait a minute, I you know, maybe there's something else maybe it's not just me being lazy or me. Yeah. Not being as smart as everyone else. I think that takes so much insight to be able to, to, to see that and then go forward and do something about it. So I applaud you for doing that. And really taking really taking care of yourself.   Warda Farrah  16:54   Yeah, I mean, for me, it was it was it was a really tough thing because it's, you know, something I always knew as a child, something's a little bit different, but I could just never say what it was. And I could, I could never articulate it. And whenever I have tried to talk to other people about it, it's always kind of No, no, but that's just you. That's just you. And so when you try to be really vulnerable and honest and not making an excuse for, you know, your behavior, why you are the way you are, you just want to kind of express yourself and explain it to somebody else. And they say, No, no, but that's just you. You're just last minute. No, but you're always losing things or new, you're just a bit clumsy. That's what you need to pay more attention. Right? Right. You need to you need to write a list, or, you know, keep your diary or keep your keys in one place. And people don't understand that. I've done a lot of that. Right.   Betsy Furler  17:54   That's what I say about like work accommodations is so you know, sometimes it's not that the person doesn't know Know what's available, you know, I use Microsoft OneNote as an example all the time, you may know Microsoft OneNote is available, but to know how to use it to help your specific need, and to use it in a targeted way, when you have a brain that works differently, is very challenging. Like it's just not it's not as simple as someone who's very organized and very focused to go, Oh, yeah, just use Microsoft OneNote I'm using it and it's just fine. It's like no, people's brains work in different ways. So it's Yes, it's easy for someone to say keep your keys in that one spot. But to actually execute that when you have ADHD or other forms of neuro diversity is really difficult. It's a battle it's it's a constant fight with yourself because you just want to be better not want to be able to function like everybody else and you want to   Warda Farrah  18:59   not have to think so. deeply about things that other people take for granted,   Betsy Furler  19:03   right? It takes a lot of energy. It's a lot of energy.   Warda Farrah  19:06   So before before the day is up, I've used a lot of my energy coins, just by functioning. Like really simple things. Like if I'm really not paying attention, like the other day, I've got the wrong bus.   Betsy Furler  19:19   Right, right. I mean,   Warda Farrah  19:20   it sounds so silly. Just look at the number on the bus. Right? But if it's a perfect storm, if I'm tired, if I'm that my all of my energy's gone, and I'm not, you know, I'm just not in the right headspace. I will make mistakes like that and quite, you know, quite silly mistakes that other people necessarily weren't really make.   Betsy Furler  19:43   Right?   Warda Farrah  19:44   So for me, it was a lot of, you know, as a speech language therapists, we always talk to young people or adults about strategies. Uh huh. You know, us you know, that, you know, if you know if somebody's got aphasia or something else so you You have to kind of get used to a new way of doing things or because you know that you might have a deficit in this area, you need to kind of use new strategies, right for me. Yes, I have diaries. Yes, I write things down on my phone. Yes, I tried to keep keys in one place. But it's if I if I don't constantly do it, everything can just mess up just one day, one day. And all of that hard work can just mess up through through no fault of my own now, through no fault, but it just happens.   Betsy Furler  20:37   Right in the it's a domino effect that spreads over lots of different areas of your life. So how did you go about the actual testing? How does that work?   Warda Farrah  20:52   I mean, I don't know how it is for everybody else because for me, this has been quite a private thing and not many people know about it. Uh huh. So, but I went to, so it's a your GP so your, your, your family doctor, right. And so he's the one that can send you off for a referral to kind of a site team, etc to do to do further testing. And so because it's on the NHS, it can, it takes a really long time. But also the issue that I found is because I've, you know, done well in life, right? It's kind of hard for somebody to believe you've got these problems, because whenever you say, Well, yeah, I've had difficulty with this. And they say, Well, you've got undergraduates degree, you've got a Master's, you went through school, you have your own business, right? What's the problem? So they, it was kind of the discussion that I had was they, in my personal experience is more of a it's a mental health issue. Maybe you've got something else but depression or, or, or other. You know, that Going for other things, as opposed to believing that it's ADHD.   Betsy Furler  22:06   Yes, yes, I must have been hard. Yeah. How? Where are you in the process right now?   Warda Farrah  22:13   So I've been referred to the psychologist, so I'm waiting to actually do the testing for that.   Betsy Furler  22:22   So you're How much longer do you think it'll take?   Warda Farrah  22:26   I, at the moment, I think a couple more months to get to get the full diagnosis, because I think things run a bit slower over here. If I went private, and I had kind of paid privately I could have, you know, got it done rather quickly as well. Right.   Betsy Furler  22:43   But it takes longer to get it through three any government, right? Yes, yes. But it's very expensive. So it's nice that you can get it that way.   Warda Farrah  22:55   Yeah, I mean, I think it's it I think it's worth doing it. That one You're in a particular rush to get the diagnosis, then I'd say go private. But if you're not in a rush, and you're just doing it for yourself, then you can do it. You know, I know I've lived with this forever. So nice. Waiting a few more months for the diagnosis doesn't doesn't matter to me. And to be honest with you. Getting a diagnosis wasn't that important to me, but it's just when I realized, actually, it will kind of put my mind at ease, because it will kind of make me feel like Yeah, you are right.   Betsy Furler  23:33   Right, that I was about to ask you. What do you think the diagnosis, what do you think the difference a diagnosis will make?   Warda Farrah  23:40   I mean, it will just it will put my mind at rest because, like, Well, actually, you're not just, you know, a hypochondriac. You're not just imagining all of this in your head, and having that kind of validation from another professional. It just, it just kind of even if I don't disclose, even if I choose Not to disclose it to anybody. It's validation from somebody else.   Betsy Furler  24:04   Right. Internal validation. Yeah, yeah, I think I think that makes complete sense. And then you can start thinking of the way you think in that different way. So you're not expecting yourself to be doing everything in this, you know, imaginary norm.   Warda Farrah  24:24   And I think it'll be acceptance for me. I think I think it will be a bit of acceptance and understanding for myself. So right now it's all kind of like a hypothesis or not, but I know it is. But it's just having that is just that.   Betsy Furler  24:40   Yes, I think I think you're doing the right thing. And like I said, I I applaud you for taking care of yourself. I think it is    very easy for us especially as women I know men do it too. But especially women, we have a tendency to, to put our own needs on the back burner and take care of everybody else.   Warda Farrah  25:00   Yeah, and I think for me one of the other thing that made me want to go ahead with it is I work with children every day that have different needs and I you know, whenever they come to me they're not feeling confident about themselves or they feel you know that they're stupid or not worth much or the self esteem is really low or they've you know, they've got autism or different types of communication difficulties, I always tell them to you know, that this label doesn't define you be, you know, you be who you are, you be who you want to be. It doesn't matter that you have to have speech and language therapy. But for my own self, I was quite embarrassed and ashamed.   Betsy Furler  25:37   Right, and that, that's the purpose of my podcast is because I had so many people come to me, adults, with neuro diversity. Families of kids, kids themselves saying, I don't want anyone to know that I have ADHD or dyslexia and autism or learning difference or I don't want anyone to know that my kids have it. I don't want it. You know, it. I was like, there's so much stigma still, I kind of kept summarizing me and I'm not, we got to do, we've got to do something and show the world, the amazing things that people with neuro diverse conditions are doing because our world needs everyone to think differently if we all thought the same women have a very interesting or productive world now. But also unfortunately, that stigma does exist. So for me, I realized it's so easy for me to tell these children or tell these parents, don't worry, it will be fine. You be you be your authentic self, and I couldn't do it.   Warda Farrah  26:37   Right. And so for me, it's actually I caught I caught up with these children and say all of that stuff, but really not mean it. So for me, it's kind of even having this discussion with you. It's kind of a bit. I don't want to talk about something like this, but also, you know, what is I think it's a first step. Yes, me?   Betsy Furler  26:59   Yes. And I think will help so many people that are listening to this to realize you're a speech language therapist, do you went to grad school? You did. You've done all of these amazing things with the brain works differently. And that, you know, I just dream of the day that we can all accept ourselves and other people for all of our differences. I think it's, you know, I think it's the key to, to race relations to gender issues, all   Unknown Speaker  27:29   of that.   Warda Farrah  27:31   And I think and I think, kind of looking back in hindsight, it's one of the things that kind of makes me a really good speech and language therapist because even though the children don't know about it, it's almost kind of like, it's sessions a different reason why I report with parents are different, or the way that I see the world or the way that I see therapy and kind of the stuff that I'm doing now in private practice. It's that that is That is where it all comes from that creativity, that ability to that that flexibility and just kind of always, I think it's the empathy that I have. So when I think because I've known growing up as a little bit different, and I was kind of similar to the children that more deeply for them to feel how I felt, yes, so   you can understand it. Yeah, it's definitely different. Yeah.   Betsy Furler  28:27   Well, that's wonderful. Well, if anyone in my audience wants to reach out to you For more information or connect with you, where are they? Where can they do that?   Warda Farrah  28:37   Well, we can find me on LinkedIn. So it's all too far on LinkedIn. Or you can email me at inquiry at language waves@gmail.co.uk.   Betsy Furler  28:49   Awesome. And I will put that in my show notes so people have that information. So warda thank you so much for joining me today. This was a fascinating conversation and I I think it was helped so many people that are listening to the show.   Warda Farrah  29:04   Thank you. Thanks for Thanks for having me. Actually, it's been really great.   Betsy Furler  29:08   Yes, thank you so much, and I will talk to you soon. Bye.   Bye. Thanks so much for listening to the for all abilities podcast. This is Betsy Furler, your host and I really appreciate your time listening to the podcast. And please subscribe on any podcast app that you're listening to a song. If you'd like to know more about what we do and our software that helps employers support their employees with ADHD, dyslexia, learning differences and autism. Please go to WWW dot for all abilities. com. You can also follow us on Instagram. And you can follow me on LinkedIn at Betsy Furler f as in Frank, you are LA or have a great day and we will see you

Andy Cantou is an entrepreneur, IT expert and race car driver who has developed a method for traveling the world first class for free. He has given seminars aimed at taking people's travels, incomes, and lives to the next level. Now Andy is devoted to helping travelers and business owners achieve their dreams to travel the world first class for free. facebook.com/officialandycantu Bullet points 00:30 - Intro 02:35 - Background / The start 04:00 - Getting into solo ads 07:40 - The learning process 08:55 - The turning point / Leaving the business 11:32 - Starting in affiliate marketing 15:25 - Finding a guy that can teach ecommerce 17:00 - Identifying the mentors / How to identify a good mentor / Getting a good mentor 21:00 - Selling on Amazon 23:20 - The lesson from growing too fast 25:20 - What to do next: travel hacking / Leaving ecommerce 28:05 - The learning phase 31:00 - What’s travel hacking 31:50 - How it works 33:45 - How to get started / Getting started 36:30 - How to get the card limit up / Getting the card limit up 43:15 - Learning how to redeem for value 45:44 - Hotels 52:45 - How/Where to learn more 54:19 - Rapid fire question round 45:40 - Any unusual drinking or eating habits? 55:22 - How do you get into a state of flow? 56:29 - What habit or opinion do you have that people tend to disagree with? 01:01:22 - What non-traditional lesson would you teach at school? 01:02:53 - What books had the biggest impact on your life? 01:04:14 - What does the first 30 minutes of your day look like and when does it start? 01:05:23 - Any advice for your previous boss or bosses? 01:06:18 - What do you do or where do you go to get inspired? 01:07:58 - How would you double USD 5K in 24h? 01:08:59 - What’s the best advice ever given to you? 01:10:25 - What silly thing should people do more of? 01:11:49 - Would you rather fight one horse-sized duck or one hundred-duck sized horses? 01:12:05 - How would you convince someone to do something that is good for them, but that they don’t want to do? 01:13:18 - What makes you happiest? 01:14:40 - Any requests from the audience?

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Welcome to "Digital Tools, Real Life," the official podcast of WarnerBoothe. In this episode: You’re reading words on a screen. How? Where did the screen come from?—the glass, the metal, the boards, the wires? Who thought of how to assemble them? Who assembled them? Who wrote the words, took the pictures, created the graphics? Who figured out how to get them to your eyes? To your mind? Who taught you to read? To search? To type? Questions like these help us notice our dependence on the genius, labor, and love of others, and not just because of our “stuff.” We need each other. Relationships matter, and relationships that are infused with gratitude make life better, both online and off. In this episode we talk with Martha Knudson, an assistant instructor in the Positive Psychology program at University of Pennsylvania, about exercising the gratitude muscle, which helps us change the negative beliefs that can inform our thinking. We learn about savoring the good to bring about greater good, and how even when life is hard we can still be grateful. Because gratitude changes every aspect of our lives. Where you are on the gratitude journey isn’t as important as being on the journey. Listen in to learn not only why, but how.

When will we learn the power that FOOD has over our Nation? When will we start being accountable for our own health? When?  How? Where?  Who?  Our sole purpose of these FREE podcast is to get fellow citizens to ASK WHY?  HOW and Take some ACTION based on New LEARNED  Behavior.  The Power Starts with Learning... What are you prepared to do?

「これからのマネジャーの教科書－自己変革し続けるための３つの力」という本に沿って、期待を超えるマネジャーになるためには、３つの力（「スキル」「仕事に対する思いの力」「ギャップを埋める力」）が非常に重要であるというお話をしています。 今日は、その３つの力の中でも「仕事に対する思いの力」ということについて詳しくお話をしていきます。 皆さんに少し考えていただきたいのですが、「今現在どんな思いをもって仕事をされていますか？」「何を大切にして仕事をしていますか？」という問いを投げかけたら、どのようにお答えになられますか？ そういう思いがビンビン伝わってくる上司と、何を考えているのか全然分からない上司がいたときに、どちらに惹かれるでしょうか。 やりたいこととか思いがビンビン伝わってくる上司についていきたいと思う人の方が高いのではないでしょうか。。中には、そういうのは暑苦しくていやだと思われる人もいらっしゃるかもしれませんが（笑）。 そのようないみからすると、自分の仕事に対してどのような思いを持っているかが、明確になっていると言うのはとても大切です。 では、その「思い」というのをもう少し具体的にみてみましょう。。 これまでにインタビューをした数十人のマネジャーの方の話から、仕事に対する思いの語り方は、以下の４つのタイプに分けられることに気付きました。 それは、「What型」、「How型」、「Where型」、「Who型」です。 １つずつ説明していきましょう。 まず、「What型」です。これは、「何を成し遂げたいのか」「何をやっているのか」ということに強く思いのある方です。例えば、「私はデザイナーとして働いていて、デザインでこういうものをつくっていくということに命をかけています」というタイプの人です。 次に、「How型」は、「どういうやりかたをして仕事を成果としてつくりあげていくのか」ということに重点を置かれている方です。例えば、自分は、組織と組織の間に入って上手くそこをコーディネートしながら、いいところをみつけて組織として成果をあげたい、そんな繋ぎ役のようなやり方をすることを考えると自分はわくわくする、という仕事のやり方に対してこだわりのある方です。 「Where型」は、組織に対する帰属意識が高く、「とにかく私はＦＭ福岡という会社で働いているということが、なによりも大事なんです」というタイプの方ですね。 「Who型」は、「誰のために働いているのか」ということにすごくこだわりを持っている方です。「お客さんのため」とか「患者様のため」、若しくは「仲間のため」などです。誰のために働いているのかということが思いの源泉になっているような方がいらっしゃいます。 ではここで、一緒に担当しているアナウンサーの方に、この４つのタイプを念頭に置いて「仕事に対する思い」を考えていただきたいと思います。 『この４つのタイプを聞いて自分の仕事に対する思いを振り返ってみると、私はあまりHowとかWhereはないことに気付きました。私の場合は、WhatとかWhoの比重が多いと思います。私はアナウンサーをしているので、Whatの部分、（「アナウンサーとして生きる」とか、「話をする仕事をすごく大事にしている」という思い）が強いです。そして番組を作ることに関しては、「いかにいい番組をつくるか」ということを考えていますが、「良い番組」というのは、「聴いている方にとっていい番組とは何か（who）」ということを常に考えています。』 この方は、whatとwhoに強い思い入れがあるということでしたが。Whatに対する思いとWhoに対する思いがすごく強いタイプの方というのは、例えば、どういうやり方で番組を作るということにはあまり思いがないので、そこは割とフレキシビリティをもって対応することが出来ます。しかし、聴いてくださる方にあまり価値のないような番組を作るという話になるとやる気が起きなくなるということが生じてきます。 そこが次回お話しようとしている、「ギャップ」につながるわけです。 上司に言われたことはこれでお給料もらっているわけだから「何でもいい」というタイプでお仕事されていると、ある意味全部寄り添えてしまうため、あまりギャップは生まれません。しかし、「番組とはこうあるべきである」、「リスナーに届けるものはこうあるべきである」という思いが強くなれば強くなるほど、自分の思いと異なることを会社や上司に要求された時には、ギャップが生まれるということが起きるわけです。 では、仕事に対する思いのない人というのはギャップが生まれなくていいのかというと、そういう人は周りから見ても、部下から見ていても魅力のない人に移る可能性が高いので、「仕事はしているけれど、無難にやっている人」という風に思われているかもしれません。そのため、周りから魅力的なマネジャーとして認められるためには、仕事に対する思いを持っている必要があるわけですが、その思いが強ければ強い分、ギャップが生まれやすいという問題も同時に抱えることになるわけです。 今日は、「３つの力」の中でも、「仕事に対する思いの力」についてお話をさせていただきました。その中にはWhat、How、Where、Whoということで４つのタイプがあるということをご紹介しました。皆さんは、何を大事にしてお仕事をされているでしょうか。一度考えてみて頂きたいと思います。

Before he was Israel’s greatest king, David was living in the desert, hiding in caves. During this time David wrote some of his most peaceful psalms. Saul had no peace, but David--who Saul was trying to kill--did. How? Where did it come from?

How WHERE you read the Bible influences how you read it - Kasey McCollum

You've heard Confusious say, "Every Journey Starts With a Single Step". Well my inspiring guest, LINDA JOY, Publisher of "A Juicy Joyful Life" has raised the vibration! She has created a masterful journal. One that inspires, uplifts and guides you toward writing your own story. Creating your own magnificent life with rainbows of color! How? Where's the magic? What will you gain in the pages of your own life journal? Tune in to how to create and magify your own juicy life!

You've heard Confusious say, "Every Journey Starts With a Single Step". Well my inspiring guest, LINDA JOY, Publisher of "A Juicy Joyful Life" has raised the vibration! She has created a masterful journal. One that inspires, uplifts and guides you toward writing your own story. Creating your own magnificent life with rainbows of color! How? Where's the magic? What will you gain in the pages of your own life journal? Tune in to how to create and magify your own juicy life!