Podcasts about i michael

Scott & Michael look back at “The Saturday Superstar Movie,” which aired on ABC in the 1970s and showcased made-for-TV animated movies. They discuss two of them: “Popeye Meets the Man Who Hated Laughter” and “The Banana Splits in Hocus Pocus Park,” and also talk about what animated shows and movies they've been watching, including the new “House of Hanna-Barbera” and the Disney+ documentary, "Not Just a Goof.” Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Facebook: https://www.facebook.com/share/1BH6dKaVMe/?mibextid=LQQJ4d Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher              

On this episode, Scott and Michael are once again joined by guest Andy DiGenova for another look back at Peanuts TV specials beyond the more well-known realm of the Great Pumpkin, Charlie Brown's Christmas Tree and The Easter Beagle. Here, they discuss “He's Your Dog, Charlie Brown,” “There's No Time for Love, Charlie Brown,” and “You're the Greatest, Charlie Brown!” Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Facebook: https://www.facebook.com/share/1BH6dKaVMe/?mibextid=LQQJ4d Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher            

On this episode, Scott and Michael look back at some of 2024's big stories in animation, such as “Inside Out 2,” the launch of MeTV Toons, and the latest books about animation. They also discuss animated shows they've been binging, lost media, and some personal stories connected to animation! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Facebook: https://www.facebook.com/share/1BH6dKaVMe/?mibextid=LQQJ4d Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher      

To celebrate the 50th anniversary of “The Year Without a Santa Claus,” Scott and Michael are joined by guest Andy DiGenova to discuss the 1974 stop-motion animated special from The Rankin/Bass Studio and the infamous 2006 live-action remake! Join in all the Holiday fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on X/Twitter: @pencil2pixel Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher        

  In honor of the 35th anniversary of “Garfield's Thanksgiving,” Scott & Michael are joined by guest Andy DiGenova to watch the classic holiday special and provide audio commentary as they do! Pull up a chair to the table and join in the holiday fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on X/Twitter: @pencil2pixel Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher      

In honor of Halloween, Scott and Michael return to discuss more of their picks for some of the scariest moments in animation. “Animal Farm,” “The Care Bears Movie,” and “Puss in Boots: The Last Wish” are among the films discussed, along with the lost media mystery of the animated short “The Clockman.” Join them as they celebrate more terrifying Toons! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on X/Twitter: @pencil2pixel Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher          

Scott and Michael welcome their guests, composers Jina An and Shirley Song, to discuss scoring the music for hit Netflix animated series, “Exploding Kittens.” Join them for a fun discussion about comedy, animation, music genres, and the creative process behind them all! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on X/Twitter: @pencil2pixel Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher    

Join Scott and Michael for their annual tradition of returning to Saturday morning TV of yesterday. First, they discuss two forgotten animated cereal mascots – Tusk the Elephant and King Vitamin. From there, they look back at two Saturday morning preview specials – ABC's “Funshine Saturday Sneak Peek” from 1974 and NBC's “Who Shrunk Saturday Morning” from 1989. Join them for this Super Saturday celebration! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on X/Twitter: @pencil2pixel Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher

Scott and Michael welcome their guest, animation and music historian Greg Ehrbar, author of the book, “Hanna-Barbera: The Recorded History, From Modern Stone Age to Meddling Kids,” which celebrates the songs, music, and records of the Hanna-Barbera Studio. Join in for this discussion of iconic toons and their memorable tunes! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on X/Twitter: @pencil2pixel Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher          

In a crossover episode that began on “Holy Batcast - The All-Batman Podcast,” with a conversation about Ruby-Spears' 1988 series “Superman,” Scott and Michael welcome “Holy Batcast” host Andy DiGenova as their guest to discuss Filmation's 1966 TV show, “The New Adventures of Superman.” Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on X/Twitter: @pencil2pixel Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher  

Inspired by listener requests, Scott and Michael explore The Animated World of Strawberry Shortcake. Not only do they look back at three Strawberry Shortcake television specials, but special guest Michelle Lyons joins them to discuss memories and the popularity of the character of Strawberry Shortcake. Join them for a “berry” good episode. Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on X/Twitter: @pencil2pixel Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher

In honor of “The Garfield Movie” debuting in theaters, Scott and Michael take a look back at the classic Saturday morning series “Garfield & Friends” and Garfield's more obscure moments in animation. Grab some lasagna and join in all the Monday-hating fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on X/Twitter: @scotthopkins76 Michael on X/Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher  

On this episode of “From Pencils to Pixels: The Animation Celebration Podcast,” Scott and Michael celebrate the 45th anniversary of “The New Fred and Barney Show!” Not only do they discuss this 1979 series that was a reboot of “The Flintstones,” but they also provide an audio commentary of one of the show's episodes, “CB Buddies.” Join them for a Yabba-Dabba-Doo time! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter/X: @scotthopkins76 Michael on Twitter/X: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher  

Turn the TV dial back to the '70s and '80s as Scott and Michael take a trip back in time to discuss animated episodes of The ABC Afterschool Special, The ABC Weekend Special, and CBS Storybreak, as well as some animated Public Service Announcements. Tune in for all the flashback fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on X: @pencil2pixel Follow the hosts on social media: Scott on X: @scotthopkins76 Michael on X: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher

In this episode, Scott and Michael return to discuss a variety of animated topics, such as some of 2023's biggest animated films, a look ahead at animated features that are celebrating anniversaries in 2024, and “animation that never was” (unproduced animated projects). Join in for some very animated conversation Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher      

Scott and Michael celebrate the 180th anniversary of Charles Dickens' “A Christmas Carol,” with their guest, Andy DiGenova. On this episode, they discuss offbeat animated versions of “A Christmas Carol” as they look back at the Rankin/Bass special, “The Stingiest Man in Town,” “Bah Humduck!: A Looney Tunes Christmas,” and an episode of Disney's 2017 “DuckTales,” entitled “Last Christmas!” Join them for this very spirited show! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher          

In honor of the 50th anniversary of “A Charlie Brown Thanksgiving,” Scott & Michael watch the classic holiday special and provide audio commentary as they do! Grab some pretzel rods, jellybeans, toast, and popcorn as you watch along with them, or just listen to the commentary for an animated Thanksgiving feast of fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher      

For their Halloween episode, Scott and Michael rank their top three scariest moments in animation. They discuss scenes from the animated feature, “Dot and the Kangaroo,” episodes of “The Smurfs,” and “He-Man,” as well as the Disney classics “Snow White and the Seven Dwarfs” and “The Legend of Sleepy Hollow,” plus more! Join them as they celebrate some terrifying Toons! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher    

Scott and Michael return to their annual tradition of celebrating Saturday morning cartoons. First, they look back at the history of two iconic animated cereal mascots: Sonny the Cuckoo Bird and Tony the Tiger. Then, they revisit two Saturday Morning Preview Specials: NBC's “Saturday Morning Preview Review” from 1974 and 1984's “Saturday's The Place” from CBS. Join in the Saturday superstar celebration! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher    

On this episode, Scott and Michael welcome their special guest, writer, director, artist, and animator, Caroline Foley, who has worked on such shows as “BoJack Horseman” and “Ricky and Morty,” and is also co-creator of the series “Toasty Tales.” Join in as Caroline discusses her work, shares her career journey, and talks all things animation! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher          

In this episode, Scott and Michael discuss a variety of animated topics, such as animated TV shows that they're binging, animation that's become “lost media,” books about animation, animated features celebrating anniversaries, and more! Join in for some very animated conversation! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher        

Summer is upon us and this summer, we are entering the season of celebrating Billy Joel's An Innocent Man. In celebration of the album's 40th anniversary, I (Michael) wanted to kick things off with this playlist episode.   I'm celebrating that songs that inspired An Innocent Man. Some are obvious and some are more subtle but these next songs are classics in American popular music and It was a blast stringing them all together in the same sequence of the album.  The playlist:    1. Wilson Pickett - "Stagger Lee" ("Easy Money") 2. The Drifters - "Under The Boardwalk" ("An Innocent Man") 3. The Tymes - "So In Love" ("The Longest Time") 4a. Beethoven - "Piano Sonata No. 8 in C Minor, Op. 13 - Pathetique ("This Night") 4b. Little Anthony and the Imperials "Tears On My Pillow" ("This Night") 5. The Supremes - "You Can't Hurry Love" ("Tell Her About It") 6. The Four Seasons - "Big Girls Don't Cry" ("Uptown Girl") 7. Sam Cooke - "(What A) Wonderful World" ("Careless Talk") 8. Little Richard - "Lucille" ("Christie Lee") 9. Jackie DeShannon - "What The World Needs Now Is Love" ("Leave A Tender Moment Alone") 10. Betty Wright - "Clean Up Woman" ("Keeping The Faith")     ------   Email us: glasshousespodcast@gmail.com   Glass Houses - A Billy Joel Podcast on the web / social media: Website: http://www.glasshousespod.com Facebook: https://www.facebook.com/glasshousespodcast/ Instagram: https://www.instagram.com/glasshousespod/ Twitter: https://twitter.com/glasshousespod  Discord: https://discord.gg/6G6cMRFu7T   Support the podcast: Paypal: https://paypal.me/glasshousespod Venmo: @MGrosvenor   Produced by Michael Grosvenor & Jack Firneno for Groove Music Marketing  

On this episode, Scott and Michael welcome their special guest Bambi Moé, who has an extensive career in the music industry, including 20 years with Disney, where she served as the Vice President of Music for Walt Disney Television Animation. Bambi worked on such shows as “The Little Mermaid,” and “Hercules” animated TV series, the direct-to-video sequels “Beauty and the Beast: The Enchanted Christmas,” and “The Lion King 2,” and the feature films, “A Goofy Movie" and “The Tigger Movie.” During her career, she had the opportunity to work with many legendary singers, actors, and comedians, and she has chronicled her experiences and career in a new book entitled “Part of the Magic: A Collection of Disney-Inspired Brushes with Greatness.” Join in as Bambi shares her fascinating stories about memorable animation and entertainment icons! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher      

On this episode, Scott and Michael return to “Animated Oddities,” focusing on offbeat and overlooked animation.  In this episode, they discuss the UPA 1953 short subject, “The Tell-Tale Heart,” the 1979 TV series, “Dr. Snuggles,” Hanna-Barbera's 1965 show, “Sinbad, Jr. and his Magic Belt,” and Disney's 1959 stop-motion cartoon, “Noah's Ark.” Join in for some forgotten fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher    

On this episode, Scott and Michael celebrate the Ruby-Spears animation studio, which produced a number of animated TV shows in the 70s and 80s, including “Fangface,” “Plastic Man,” “Rubik the Amazing Cube,” “The Puppy's Further Adventures,” “Goldie Gold and Action Jack,” “Thundarr the Barbarian,” and more. Join in for some nostalgic Saturday morning memories! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher    

On this episode, Scott and Michael are joined by guest Andy DiGenova, to go beyond The Great Pumpkin, Christmas, and The Easter Beagle, as they explore some of the lesser-known Peanuts TV Specials.  They discuss “It's Flashbeagle, Charlie Brown!,” “Charlie Brown's All-Stars,” “She's a Good Skate, Charlie Brown,” and more! Good Grief, join in for all the fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher  

To celebrate the show's first anniversary, Scott and Michael open their e-mail inbox to discuss requests about different animation topics from listeners. The requests include animation featured on “Sesame Street” and “The Electric Company,” non-holiday TV shows and specials from the Rankin/Bass Studio, and stop-motion animation. Join in for this eclectic episode of animation favorites! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher        

Episode 75: In the first episode of 2023, I (Michael) spend some time reflecting on the stories of the past year but in particular on the most recently published article by journalist David Farrier about church harm and toxicity in more NZ megachurches - a story that prominently features the church in which I spent around 13 years of my life - both as a participant, and also on staff for around 8 years. In this episode I unpack as honestly as I can the feelings that come up in this whole conversation, about what it feels like to speak publicly about a community that I once helped to build, about the long-term relational impact, and about why I think we need to hold people and communities/systems to account - especially when they are closer to us. All of this feeds into some reflections on why it continues to be so muddled and conflicted for so many people, why it's so hard for members to leave and/or move on, and why it's the inability to hear, empathise, listen and learn that become the most problematic features of these organisations. Get in touch via email: feedback@intheshift.com Support via Patreon: www.patreon.com/intheshift  

On this episode, Scott and Michael shine a spotlight on Fred Wolf Films, the animation studio that's given us such feature films as “The Point,” such TV specials as “Puff, the Magic Dragon,” and such hit series as “Teenage Mutant Ninja Turtles!” Join in for a look back at some of the many projects from Fred Wolf Films! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher

Scott and Michael are joined by guest Jarrad Butz, to countdown their top three animated TV Christmas specials. In the episode, they discuss “Rudolph, The Red Nosed Reindeer, “A Charlie Brown Christmas,” ”Frosty The Snowman,” and other classics, as well as forgotten and offbeat Christmas specials. Join in for all the festive fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on   Apple podcasts I Google Play I Stitcher

In this episode, Scott and Michael celebrate Thanksgiving the only way they know how: with some random, old-school animation. They watch Hanna-Barbera's 1972 TV special, “The Thanksgiving That Almost Wasn't,” and provide audio commentary as they do! Watch along, or just listen to the commentary and join in the retro Thanksgiving feast of fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher  

On this episode of “From Pencils to Pixels: The Animation Celebration Podcast,” Scott and Michael look back at some of this year's popular animated films: “The Bad Guys,” “Chip N Dale: Rescue Rangers,” “Lightyear,” and “DC League of Super Pets.” Join them as they share their thoughts and reviews of each film! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher      

Hey, gang! I'm so sorry we had to miss a week! I (Michael) was feeling so terrible. Thank you so much for sticking with us and coming back! We have a long one for you this week as we catch up on things. We talk about Michael going to New Orleans and having a run-in with a rather rude gentleman, Natalie going to a concert, Taylor Swift's new album and the discussion around it, we play a new game with OkCupid questions, we nickname dogs, and Michael breaks up with Natalie! Thank you, for real, for still listening. We love ya! Follow us and talk to us! Instagram/Twitter: @myexandipod myexandipod.com | myexandipod@gmail.com

On the latest episode of “From Pencils to Pixels: The Animation Celebration Podcast,” Scott and Michael are joined by special guest, Andy DiGenova, for “Animated Oddities 2: Halloween Edition!” They look back at three forgotten, animated Halloween specials: 1972's “Mad, Mad, Mad Monsters,” the “Halloween Howlers” episode of the “Punky Brewster” animated series from 1985, and 1991's “Claymation Comedy of Horrors.” Join in, as they celebrate spooky season with some lost animated Halloween treats! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher  

From Pencils to Pixels #8 – Cereal Mascots! Scott and Michael look at the history and stories behind six animated characters created for breakfast cereal commercials, including Sugar Bear and Cap'n Crunch, as well as other random, forgotten Cereal Mascots. So, grab your spoon, bowl, and just add milk to join us for all of the sugar-coated fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher          

Pete Neubig is a realtor who focuses on investment properties. Pete has been investing in real estate since 2001. He has owned and managed a 39, 52, and 100-unit apartment complex. He currently owns single-family homes and a 52-unit apartment complex. Pete created a property management company based on the motto "By investors for investors". His property management company has clients from Houston and all over the world. His technology-based systems allow owners to see everything that is happening at their property without having to be involved. Tune in for today's episode where Pete talks us through some of the mistakes that he made as an investor and how he's doing things differently today. Episode Link: https://www.vpmsolutions.com/ --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: What's going on everyone? Welcome to another episode of the Remote Real Estate Investor. I'm Michael Albaum and today with me, I have Pete Neubig who is a real estate investor and CEO of VPM solutions and Pete is going to be talking to us today about some of the mistakes that he made as an investor and how he's doing things a little bit differently today than maybe your typical investor. So let's get into it.   Pete, what's going on, man? Thanks so much for hanging out with me today. Appreciate you coming on.   Pete: Michael, thanks so much for having me, I'm really looking forward to it.   Michael: No, me too and so before we hit record here, you were telling us about the three different lives that you've lived. So you are a super interesting guy. Needless to say. So for anyone who hasn't heard of Pete Neubig before, give them the quick and dirty rundown of who you are, where you come from, and what you're doing in real estate today.   Pete: Sure. Well, real quick. Let's see, I'm from New York City originally, I moved to Texas in Houston back in 1995. So I have a gun. So I guess I'm a Texan now.   Michael: Give me one when you move to the state, like I think…   Pete: They give you a cowboy hat, a gun in some boots, you know. So I started buying real estate in 2001 when I bought my first property, actually, I bought a duplex and a single and a a 100 unit apartment complex like same day, like I closed on the same day, I ended up owning bunch of property that I ended up starting a property management firm and I got so busy doing that, that I stopped buying real estate for a while just to build the investment, the property management business, I ended up selling the property management business and now I started a an online platform. It's a virtual property management solutions or VPM solutions where we connect the real estate industry with virtual talent around the globe, so…   Michael: That's so cool. Pete just taking a total step back to say you're from New York now living in Texas, do you remember like I don't know in the late 90s, early 2000s there was that pace salsa commercial where like all the cowboys were sitting around like, where's that guy from New York City, New York City? When you say that, that's like the first thing that I thought of like, oh, hey, salsa commercial.   Pete: And I still can't say y'all correctly I get I get I get yelled at all the time and I'm down here saying y'all, so…   Michael: Y'all with the New York accent, I love it, I love it. Well, you did you I mean, this is a really cool trajectory that that you've ended up on and I would love to focus on kind of the first stage of your investing career where you own a bunch of rentals and again, we were chatting before we hit the record button, and you were saying that you had sold a bunch of them off, and then actually paid off some of the remaining ones. So walk us through, you know, like, why because I think I think a lot of people would be like, oh, that's stupid, like, what is Pete doing? You gotta have leverage. That's how you juicy return. So, you know, walk us through how you built up the portfolio and then why you decided to sell them but then keep some free and clear.   Pete: Sure thing. So I started buying on my own first right so I own like 12 I think it was like duplexes. I was for some reason I was love duplexes. I think most people would say, well, it's the cash flow, right? Duplexes, have a great cash flow and I was always looking at just cash flow and I think if I go back in my, in my investor life, I can tell you, Michael, I've lost so many millions of dollars by not buying houses with very low cash flow, because I forgot about this thing called appreciation, right? I wasn't buying cash flow, right and my goal at the time, I was a young man, I was early 30s, like 30-31 when I started buying, my goal was to get enough cash flow so I can just leave my corporate job. That's kind of what the way I was thinking. So I buy a bunch of properties and then I get I get talked into being a passive investor for 100 unit apartment complex and I told if I buy one apartment complex, I can retire right? So I'm like, oh, great, you know, monopoly, I'll buy a bunch of houses, sell them and all that good stuff. Well, it just never materialized. I was buying lower income homes and if anybody knows the lower income homes a cash flow is really just on the sheet of paper. It's not it's not true returns unfortunately, because there's little things like you know, the evictions or you know, not getting all the rent and in the make readies are not a couple 100 bucks or a couple of $1,000 because people in low income they take what's called parting gifts. You know, they take your AC, your doors…   Michael: Your goodie bags, you know…   Pete: Yeah, good. Yeah, exactly. Exactly. So, so I ended up connecting with a business partner named Steve Rosenberg, who he's kind of a a national speaker now but Steve and I ended up finding his guy who is offloading a lot of his portfolio. So we thought this is great and we ended up buying like 30 houses and we were both enamored with buying property. But we didn't had no idea what to do once we bought them. Like we were terrible and how to manage them. So what happened was…   Michael: Pete was this was this local in New York or local in Texas, there was this remote?   Pete: Yeah, great question. So I was, I was, I had lived in Texas at the time, we're buying everything in Houston. I there was no such thing as Roofstock that we knew have to go buy stuff in other areas and back in the early 2000s, the average price of a single family home in Houston was like around 130. I was buying it for 35,000. Like, lower low income houses. Yeah.   Michael: But not have roofs, like, what's the deal?   Pete: Man, they were just in low income and today, those houses are now worth about 150, right, 20 years later, and I was buying them at 35 and they were worth 50 to 55,000. So I was buying them below. But I just found an investor who wanted to offload stuff but he was offloading me all his problems, right and if you don't have good management, behind you, if you have a good management company, by the way, it's really difficult to manage these low income stuff. It just is because they don't pay online, they don't abide by the lease, they have dogs, when they say they're not going to have dogs, all that all this stuff that you have to deal with. It's just difficult and so Steve and I, we ended up buying 31 homes. So now I have 31 homes, and we advertise bad credit, okay, no credit, okay, like you have you have a pulse and $1 will, we're gonna let you in the house and of course, that comes back to bite you to the point where not only are we not making the cash flow that was projected, but we're losing money at the end of the year, now I have to come in and pay for my taxes and my insurance and so now I'm working even harder at my nine to five than I did and I'm working hard to manage these properties.   But all of a sudden, this this like, dream that you have is becoming a nightmare and so, you know, caution, number of cautionary tale number one for your listeners is buy absorb, right, and then buy some more like don't just keep buying if you can't manage the assets, or number two is go find a professional management company that will take your properties. My problem was I had my problems was so low, I couldn't get a professional management company to take my properties. The manager companies know how hard they are and I'm like, Well, I'm gonna give you 25 They're like, Yeah, great. Keep it like, we want to charge you more. So I ended up creating the management company with Steve so we can manage our own properties and so there's been two there's two things, the two big instances that happen in my investing life that has propelled me to pay off properties, right. So let's get to your question. The first thing was I bought all those properties, and I wasn't making cashflow, right, but I had to pay the note every month, right and at the end of the year, now I'm getting in tax and insurance. And so there was no cashflow there and there's no appreciation I just told you it took him 25 years to get that double or triple of appreciation. So I own these properties for 10-12 years for 35,000 and they were worth like 45,000 right 50,000 I told you I got equity, but that nothing ever increased. So when that when the banks are coming and asking for their money, and I gotta go work a double because I need more money, or I gotta go sell off stock because I got to. So that that was something that kind of made me realize maybe I want to be the bank myself, or maybe I don't want to owe the bank so much money. So that was the first thing. The second thing was, I ended up buying that 100 unit apartment complex that I told you about and that 100 unit apartment complex. I am still today friends with the lead investor, he's a good guy, we just had a bad plan. We lost the apartment complex. Now I was a passive investor and now here's cautionary tale number two for your investor listeners. If you're going to be a passive investor, make sure that you either A have an attorney you trust or be read the documents yourself. So I was a passive investor, but I was legally on the hook for with my credit. So I personally signed the note. Yeah, I see you I see you if you for those of you not look, for those of you listening and not watching the video, Michael's jaw just dropped, right and so and then what happened was because the plan was bad, we couldn't we couldn't make a payment and so the bank led us to believe that we can restructure our debt. Well, they ended up having somebody that would buy the debt would buy the property from under us. So they foreclosed on us and sold the property for more than what we owed, which in normal cases, you think that's fine. I owed 1.1 million they sold for 1.5 million. I should be off the hook. Well, there was a little checkbox that said no, if they foreclose on me regardless how much they sell, they can sue me for that amount. So I got personally sued for one point $2 million.   Oh my god all because now I will tell you this, I paid a mentor and I paid an attorney. Before I got into that deal thinking I covered myself, I got a guy who's done a bunch of apartment complexes, I have an attorney, they just missed that. They just missed it, the mentor wanted to deal to get done because he was the broker on a deal. So it really was it wasn't aligned. You know, are you know, of course, at the time, I was like, get the deal done. But he needed to protect me from myself at that time and so when you owe, so long story short, I ended up selling. I had a six unit apartment complex that I sold, made 30 grand, and I actually was able to, to pay $30,000 to make the lawsuit go away. So the bank knew that what they were coming after me, they knew that they didn't really have a good case because they made their money. So they just wanted their attorney fees paid for but that put the fear of God in me to be quite honest and so I vowed that I don't want to ever be over leveraged, right and so of course, Kiyosaki talks about other people's money and every you know, rich, Guru, Rich Dad, Poor Dad, guy, every guru out there will tell you, if you can borrow 110% borrow 110%. Well, back in the early 2000s, you were able to borrow 110% I don't know if you remember and so I did that, right now. I was fortunate that I was able to overcome when the properties weren't making any money because I had a job. But if you are again, a cautionary tale number three, if you are a full time real estate investor, you cannot survive when you when your cashflow negative, it's very, very difficult, and you have to sell off assets. But if the assets are worth less than what you owe, that's a challenge. So when I got into property management, I realized pretty quickly that people will manage Class B homeless people will buy and rent Class B homes, I always had this mindset that people will only manage or rent Class C or D homes. I'm like, no one's gonna pay $800 in rent or $1,200 in rent, and go buy a property, a nice property and have $1,200 on my mortgage, right? Like it was a mindset thing and so another tale is if you're an investor, don't you don't try to buy anything that you would live in you. Other people will live in stuff that you like, why would they rent stuff when I when you can buy something? So when I found that aha moment, I pivoted and I hired a property manager. Finally I was trying to property manage and I was terrible at it. Like, I'm like, I had to hire a property manager. First day she comes in, she goes, okay, we're gonna fire half your clients, this tree store, we had 67 doors, 30 of them were mine. She's like, we're gonna fire half your clients, because those houses are in are in a low income area. They're not worth managing. We're gonna pivot, we're gonna get these Class B homes. Oh, and by the way, you need to sell off your homes. We're not managing your homes either. So you know what I said, You know what, I've been trying to make this work for so many years and are every year I'm coming at the end of the year, I gotta pay money. Now I quit my job to start my property management firm, which by the way, I was making $105,000 a year now making $12,000 a year am I okay? These properties, they can't be an albatross around my neck. So I sold a bunch of homes. So I had, I think 31 of them and 25 are in kind of the lower income area and I couldn't get rid of some of them. So I owner financed them and that was when I had an aha moment. So I was able to wrap the note, I had a very good, I had a local bank and I had a very good relationship with a local bank, and they allow me to wrap the note, right. So basically what that means is I've sold the property to you Michael, right. But I still own the property, you pay me 10% 20% down, you're gonna pay me a mortgage, and then I'm gonna pay the bank, the mortgage, and I get the spread. Yeah, the first time ever that those properties made me money.   Michael: Wow, okay. Were you able to sell them for much more than you paid for him? I know, you said there wasn't much appreciation.   Pete: No appreciation. But remember, I did have equity. So I sold them for like 50,050 to 55,000. I bought it for 35,000. So I was able to make money that way but if you think about it, I lost so much by owning and by doing the rehabs that I kind of broke even. Okay, it's great. Like, I'm able to be on podcast now. Tell that story, I guess. You know, it's the school of hard knocks, right? That's it. So college is way more expensive than that, by the way that just took me a lot of time. I ended up breaking even and making a little bit of money on it. But what happened was so when I when I started my property management firm, I don't know if you've ever started a business from scratch, Michael, but it is not easy, right? I didn't I didn't build it. I didn't buy somebody else's business, right. I built it from scratch and, you know, it's at 90 hour weeks. It's every day, you know, and so I got away from the investing thing. So I sold off my assets at a 52 unit that I sold office well took a bath in there, investors lost money.   So I don't like multifamily. I can just tell you that much. I know you do. I've listened to some of your stuff. But we could debate that on another pod. A lot of fun things off. So when I, when my property management firm seven years later started becoming like I was working now five hours a week, 10 hours a week, I started getting back into buying investment properties. So I was able to find and a bought a couple of properties for about $120,000. It's called Baytown. So it's a little bit it's like a Class B, B minus area, blue collar, I like it gray area of town in Houston to buy in, because there's a lot of renter's there, but I started buying them and I started buying cash. So of course, you have to have the cash, right. So I had some cash I was able to buy in cash and so all my other properties that I did keep, I kept paying those down, and I have those in cash. So today, instead of 31 non producing properties, I have eight properties, one of them is paid for, and I own the note. So I sold it, I did an owner financing sell and I make more money on that property now than I ever did when I rented it out. I have three others that are paid for three or four, four others that are paid for and then I have four others that have a note on them. With the four that I bought the last four, I bought a boat with a note, it was one of those commercial loans. Package note, I had to put 30% down I did, I bought them in January of 2020. So right before the pandemic, there I bought it for 535 from a California investor he was done. We I gotta because I own the management company. So before I went on the market, I made him an offer and so I got him for 535 they appraised at 640 and I put 30% down and they kept they cashflow beautifully and I have I have a small note and now if I want them to sell one of the houses, I can take it out of notes, sell it pay the note down. So now I own eight or nine properties total and they're worth you know, close to, I want to say like one like one, let's call it 1.2 million, I only want 300,000 or 350 on the whole thing, right and my cashflow is about 12,000 a month, uh, me a little bit less, a little bit less, a little bit less, maybe like 10, five around there and so, so I'm a big fan of owning the property outright. So I have both houses that aren't paid for right, so. So it's just hear me out on this, I am now in my 50s. So in my 30s I was a big fan of taking out mortgages, as much as you can bind as much as you can, because you got this thing called time on your side, you can make mistakes, right? At 50 you have less time, right? I've 20 years less, so I can't really make the same mistakes. So I believe even though I make less cash on cash, right? Less overall, I have this thing where I can sleep better at night, right? The house is paid for like, for example, I own  a house, I just had to put in a brand new AC and heater, right cost me like I think like six grand. That's cash flow for a year in most in most instances, right and you can't afford it because you don't have the money. Well, when the house is rented for 2500 a month. That's only two to three months. It's not terrible. It doesn't it doesn't knock you out of the game. You're not always stressed for cash. In my in my in my bank account for my business, my housing business. I got like 30 to 35 to $45,000 sitting there all the time, right. So if anything ever happens, I'm okay and so that in now because they're paid for I have more cash flow. I don't have to pay all the notes all the time. So, so again, as you get older, you're like, okay, well, how can I have like, How can I afford to live day to day? Well, if I have $12,000  a month coming in, and I only have $22,000 going out for principal and interest. Well, now I'm at 10 grand and now you figure another 3000 a month in taxes and insurance. So now I'm at seven grand. Well, that's, you know, that's almost 80,000 a year in Texas. It's not terrible and of course if maintenance happens, which always does you never get that full 70% right you never get that full deal. So because of my past issues with banks, by the way the bank on the 100 unit apartment complex really, they really screwed us they let us believe one thing and kind of did the end around and so because of that, I'm really you know, just I was scared is not the right word, but very unjust and very hesitant, hesitant to do it now. That doesn't mean that I won't take on a note, especially if I can't afford to buy something in cash, but I'm gonna He's going to put 2030 40% down, whatever, whatever the bank wants, and then a little bit more and then I'm like, I'm at the back into my life, right? So I am looking to, to pay these things off. So I have 20, year amortizations. If I could, if I could pay them off in 15 years. Okay, I'm 60-65 and now I have no notes, and I have all these houses paid for and at the end of the day, you want to live on cash flow, right? You don't want to live on like hoping that your properties increase in value, and then you can take the money out. If they're if they're paid for in 10 years, I can go take you know, 80-70, 80% of the value of the house, which are increasing now. tax free. So I have so I do have ability to, to go take the money out. Should I should I choose to do that?   Michael: Yeah, man, this is wild, man. This is this is such a cool story and of course, I'm so sorry to hear that you had to deal with all that nonsense, Bs. But it sounds like it helped lead you to the decision and kind of path where you are today. So would you say that you're thankful for those experiences as crummy as they were?   Pete: Yeah, look, whatever doesn't kill you makes you stronger and I am truly I think I'm a better business partner today than I then I was back then I'm a better investor today for sure and so overall, I feel like I'm, I'm better, I'm a better as a person, because you won't like, like I said, if it doesn't kill you, the one thing that you as an investor, as a real estate investor, you have to make sure that you don't make the mistake that could put you out of business, right. So in my when I had the 100 unit apartment complex, I use my 401k. No my IRA money, so I went and did a self-directed IRA and that's how I invested my money, lost it all, by the way, okay. Again, at 31, I lost 120 grand, which is a lot of money for me back then. A lot of money for anybody right now. Okay but it didn't put me out of business.   Once I once I was able to clear my name with the bank, my credit was cleared, everything was clear. Like it was never it's not on my it's not on my credit history at all, because they know that they messed up and I was part of our deal. So that allowed me to get back in the game and by I had another pair of business partners, that they ended up taking bad advice, they ended up using credit cards, taking money out of their credit cards, cash advances, to put money down to buy this apartment complex, because some guru told them that he did it, just because he did it and it's possible doesn't mean it's the right thing to do. Well, they had declared bankruptcy. So they were they were out of the game. They you have a bankruptcy, you're not going to be buying investment properties. Why don't you know, you're not going to buy your personal home, let alone investment properties. So as a real estate investor, for the for if you're listening to this, you know, it's great to take on some risk. I mean, obviously, we all take on some risk, right? We know there's no guarantee price is gonna go up. There's no guarantee that people are going to pay their rent. There's no guarantee but don't take on a risk that will put you out of business.   Michael: Yeah, I love that and I think that makes a ton of sense. Pete, you said something kind of at the beginning of your story that I want to come back to and that's you were buying these low income properties, and you bought them and you scrimped and you saved and you and you put these deals together, and they really hadn't appreciated very much and you sold them because your property manager, right, yeah, that after that, they appreciate it. So like, talk to us about how people should be thinking about if they're in a similar situation, they bought a property. They did all this work to get the deal done. they scrimped and they save and they just haven't seen very much appreciation. Maybe they're in a similar situation where it's not cash flowing, or it's just covering its expenses. It's just not what they thought it was going to be. When should someone cut their losses and run and maybe go try something else or how do they know maybe they should keep hanging on because we're right around the corner from that appreciation jump?   Pete: Yeah, that that is if I had a crystal ball, I could I could answer that. I can just, I can just tell you from my perspective, I did everything I could to make those properties work. I mean, I would put it you know, like when we did a rehab, we made the house even nicer than it was right? We got rents up, but for whatever reason, and we just can never get them to cash when we were losing money. After about five years, I think you got to if you do not have the cash flow, where you can lose money every year on your properties, and it hurts you. You know, I think you got to cut the cord after a couple of years of trying everything. You have to try everything though. I'll tell you my grandfather before he passed away, he was in his 80s and he when he passed away, he was worth I think 30 million. So this is a guy who knows a thing or two. But he told me one of the last conversation I had with him he said, Pete, never sell your property. When grandpa died here. We had a lot of property it was he was a mess. The guy didn't put any money into it. Son of a gun when we had to deal with it, but it was luckily all those properties appraise or appraised value over time, time heals all wounds if you can afford it and knowing like, hey, like, I can tell you this when I bought the properties in my early 30s, I needed the cash flow as a means to I try to exit out of the of my, you know, my w two life, right?   Luckily, my w two allow me to handle those properties, right, allow me to handle the losses. When I got into starting my own business, I knew the upside of starting my own business was great but starting my own business meant I had to take a huge step back in how much money that I can afford, that I was going to be able to extract out at a business. I wasn't venture backed, none of that stuff, right. I mean, I literally just hung a shingle and I started working. Well, I couldn't afford to lose the money on those properties anymore. So that was, that was a big reason on why I decided to sell. Now I will tell you, I sold all those properties in 2015. I bought them in like 2008 2005 I bought most of them and I saw them 10 years later. So it wasn't for lack of trying Michael like I tried right? Even after 2015 they didn't jump up until recently, like this pandemic has me all jacked up, I have no idea what's up what's down, like, I thought the price would come down. So I sold my last property in that area of town for 120. I bought that piece of property for 50 in 20 in 2005, so here we are. So it kind of matches up right 2005. Here we are 15 years later and that thing actually, you know, more than doubled. Now that property I owner financed, I sold it at 120. It was probably worth 100. Alright, so probably doubled in value over those 15 years. I always pay, I always sell it for a little bit higher because I'm holding a note. I want to build in that appreciation. You want to go through the numbers on it real quick?   Michael: Yeah, let's do it again. All right.   Pete: So when I when I own the home, and I rented it out, I was renting for 1000 bucks a month.   Michael: Okay, you bought it for 50 renting for 1000. So crushing the 2% rule. Everyone on paper is like, oh, you're killing it.   Pete: Right? Exactly. On paper, right. So 1000 bucks a month. So now you like Pete, you're making $1,000 a month. But am I Michael? I'm not making $1,000 a month, right? What do we have? We have taxes 300 bucks a month now making 700 a month? What do we have? We have insurance 120 a month. Okay, so now I'm down to 580. My management fee was 80 bucks, I'm down to 500 bucks a month and that's before you get into maintenance and turn, right. So on my best month I make 500 bucks a month.   Michael: Oh no.   Pete: You wanna go through the numbers?   Michael: Yeah, let's do it, man.   Pete: Or go through the numbers. Okay, so I'm renting that property for $1,000 a month, right? I bought it for 50 rent it for $1,000 a month, right? So am I making $1,000? a month? No way? No, right because the taxes were 300 a month. So now I'm making 700. Right, my insurance is 120 a month. So now making 580 and my manager fees are 80 bucks a month. So I'm making 500 bucks a month and asked me for any kind of maintenance happens or turn. So the best I can do is 500 a month, right? So now I sold the property I sold for 120 got 10% down. So the notes 113. I sold on a 20 year amortization 7%, I found a company that will actually serve as the note for 30 bucks a month that I pushed on to the buyer. So right now it's cost me nothing. The principal and interest on that house is 7-78 and it's like I think it's like $67 is principal and $7 is interest and that's what I make on that house every month, right? If taxes go up, does it affect does it affect me and my cash flow? No insurance goes up doesn't affect my cash flow. Refrigerator breaks doesn't affect my cash flow   Michael: Vacancy could be vacant doesn't affect your cash flow.   Pete: Doesn't affect my cash flow. Now I ended up selling this one to an owner occupied. So I didn't sell to an investor on this one. So the owner occupied and he pays and all I gotta worry about is if he doesn't make his payment, I can foreclose on him. I don't know what the laws are in California in Texas, it's about 21 days. Before we before we can start the process and start the process.   Michael: Okay, okay. Okay.   Pete: So 21 back in the day used to be 21 days, you get them out now it's like…   Michael: That's what I was going to ask. Yeah. Okay. So just real quick on owner financing, because I think this is something that a lot of our listeners who own property should hopefully their ears are perking up. How do you underwrite a buyer, someone who's going to be, you know, seller financing from you as the lender as the owner.   Pete: So, I don't really care about credit at that point because if they had good credit, they're not coming they're not buying.   Michael: They go then to a bank…   Pete: Right, exactly. So what I'm looking for and what I'm always looking for is why is it credit bad, right? So are they not paying their rent or are they not paying the you know, the electric bill or whatever, whatever, you know, car or bill or whatever it is, right? So I want to know what kind of why they're why they have such bad debt. I don't care why they have such bad credit, I don't care that bad credit and then I'm looking at cash, how much money they make. So what happens is a lot of these guys, so guy that that bought my property, he's in like the construction business, right? So he has his own little deal, he can't show he shows no income, but he showed me his bank statements and he showed me his deposits for the last couple of years and so I just look at how much cash do you have, can you afford it right and then, as a property manager, I always go to two and a half to three times. So if I can get two and a half to three times of cash for what it's going to cost them all in, then I feel I feel at that point, it's not that big a deal. Also, he's paid me 10% down. So I have some cash there. So if he did move out, or couldn't afford any more, I got a little bit of cash, I could make the place a little bit nicer. Okay but the mentality of somebody who buys your property, even if it's owner finance verse, somebody who rents your property, let me just tell you what happens, right? When somebody used to rent that property, what they used to do there give me a long list of stuff that didn't work in the house, that they wanted me to fix it, right, even though the lease says, as is all that good stuff, right? When somebody buys a house, they're getting a long list, and they're improving the house. When somebody rents your house, they're paying the car to pay the electric, they're paying their damn Hulu bill before they pay you because they know that they can they know the eviction process all the way through and how long it take them right? When they own the house were they paying first and for paying…   Michael: The mortgage first. Every time they pay the mortgage, first…   Pete: Hulu gets put on the back burner, the car payment gets put on the back burner. So the mentality is completely different. I've only I've only you know, I think he's been over there a little over a year, never had one issue with payment. Knock on wood.   Michael: That's great and is the term is the note do you get it full term to 20 years or is it a couple of shorter year term with a 20 year AM?   Pete: I will have to double check but I'm pretty sure it's just a 20 year amortization and he just pays me to 20 years and then that's it. So what a lot of people say to me is well, Pete, you're missing out on the appreciation, right? Like, if you sold the house or 100, or the house is worth 120,000 or 200, right? So if you think about this, Michael, most people don't pay extra. Most people don't pay the house off early or if they do right grade, they pay the house off early. They make my money. But he's paying $60 In principal and $680 in interest, right? If you if you pay that house off in 20 years, he's gonna pay that he's gonna pay about 240,000 hours on that house. I think I got my appreciation.   Michael: Just fine. Yeah. Oh, man. I love it, I love it. That is so cool Pete. That is such a great story.   Pete: I built into cushion of 20,000 so that he can't refinance right away. Right, because the house is only worth 100. So by no one's gonna give him $110,000 or whatever it takes to refinance the house. So by increasing it a little bit, you save yourself at least those first you know, five years or so.   Michael: Super, super smart. Super smart.   Pete: Yeah, that's a good one.   Michael: That's a that's a really that's really good, man. Pete, we could chat for hours, man. What's the best way if people want to learn more about you reach out to you for, nobody gets to cover your VPM solutions today, but learn more about your words, where is the best place to do so?   Pete: Yeah, you know, best thing is they can actually I'm on all the socials I guess. But it's Pete Neubig NEU big and you can email me at: pete@vpmsolutions.com or you can just go to our website to https://www.vpmsolutions.com/ and check us out.   Michael: Right on man. Well, thanks again for coming on and sharing some wisdom, really appreciate you.   Pete: Thanks, Michael. Very good talking to you.   Michael: All right, when that was our episode, a big thank you to Pete for coming on super interesting way of thinking and doing things just a little bit differently than maybe we hear about what we need to be doing as investors. So as always, if you've liked the episode, we'd love to hear from you ratings and feedback are always appreciated, and we look forward to seeing you the next one. Happy investing…

Scott and Michael go back in time to celebrate what was once a Fall TV tradition, The Saturday Morning Preview Special! Saturday morning shows were once so popular that the networks would dedicate prime time specials to preview the new fall lineup. This episode looks back at ABC's “Saturday Morning Sneak Peek” from 1973 and NBC's “Alvin Goes Back to School” from 1986! Join them for all the preview possibilities! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher  

In this episode, Scott and Michael travel back to The Disney Studio in the 1980s, specifically, 1985.  They look back at the tumultuous production of the studio's animated feature “The Black Cauldron” and when Disney branched out into television animation with the hit series “The Adventures of the Gummi Bears.”  Join them for all the totally rad, retro, 80s Disney fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher    

Summer Christian camps sure are special. We all have at least one that we like to attend, and there are many stories surrounding the camp. In this episode, I am joined by Hobe Watkins & Luke Gasque from the camp I have gone to for almost 25 years. They have been there for many of those years and have some stories. Also, a couple of things to notice: I (Michael) say the word "Bro" an excessive amount of time. Idk why. But it has happened ever since I got to camp... Forgive me. We are eating Sour Patch Strawberry Kids (Not a sponsor), which is the bag that you hear rustling. We recorded this in a camp mess hall, and the quality is not spectacular, but the stories are excellent. Hillbrook/TCC website: https://www.teenagechristiancamp.org/index.php Luke Gasque "Survivor" Link to episode 1. https://youtu.be/IKddF6tIPGA SAN Show notes: Visit our website: www.scatteredabroad.org, and remember to subscribe to our email list.  "Like" and "share" our Facebook page: https:// www.facebook.com/sapodcastnetwork  Follow us on Instagram: https://www.instagram.com/ the_scattered_abroad_network/  Subscribe to our YouTube channel: The Scattered Abroad Network  Contact us through email at: thescatteredabroadnetwork@gmail.com. If you would like to consider supporting us in any way, please reach out to us through this email. 

Summer Christian camps sure are special. We all have at least one that we like to attend, and there are many stories surrounding the camp. In this episode, I am joined by Hobe Watkins & Luke Gasque from the camp I have gone to for almost 25 years. They have been there for many of those years and have some stories. Also, a couple of things to notice: I (Michael) say the word "Bro" an excessive amount of time. Idk why. But it has happened ever since I got to camp... Forgive me. We are eating Sour Patch Strawberry Kids (Not a sponsor), which is the bag that you hear rustling. We recorded this in a camp mess hall, and the quality is not spectacular, but the stories are excellent. Hillbrook/TCC website: https://www.teenagechristiancamp.org/index.php Luke Gasque "Survivor" Link to episode 1. https://youtu.be/IKddF6tIPGA SAN Show notes: Visit our website: www.scatteredabroad.org, and remember to subscribe to our email list.  "Like" and "share" our Facebook page: https:// www.facebook.com/sapodcastnetwork  Follow us on Instagram: https://www.instagram.com/ the_scattered_abroad_network/  Subscribe to our YouTube channel: The Scattered Abroad Network  Contact us through email at: thescatteredabroadnetwork@gmail.com. If you would like to consider supporting us in any way, please reach out to us through this email. 

In this episode, Scott and Michael are joined by guest Andy DiGenova to discuss “The Peanuts Travel Films.” They take a look back at the animated features 1977's “Race For Your Life, Charlie Brown,” where Charlie Brown, Snoopy, Linus, and the gang go to summer camp, and 1980's “Bon Voyage, Charlie Brown (And Don't Come Back!),” where the whole Peanuts crew heads off to England and France.  Pack your security blanket and join us for all the memorable movie vacation fun! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher

Filmation was one of the preeminent television animation studios for several decades, and, in this episode, Scott and Michael shine a spotlight on some of Filmation's most popular shows of the 1970s.  Get ready to look back at “The Groovie Goolies,” “Star Trek: The Animated Series,” and many other weird, wild and wonderful Filmation favorites! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's website: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher

In their third episode, hosts Scott and Michael discuss “Animated Oddities,” which will be an ongoing theme on the show, focusing on offbeat and forgotten animation.  In this episode, they look back at the 1986 TV series “Lazer Tag Academy” and 1977's feature, “Raggedy Ann & Andy: A Musical Adventure!” Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's web site: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher  

In their second episode, hosts Scott and Michael countdown their top five animated television shows of all time!  It's a retro trip back in time, filled with plenty of Saturday morning memories! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's web site: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher  

In their first official episode, hosts Scott and Michael countdown their top five animated feature films of all time!  From blockbusters to the bizarre, their answers may just surprise you! Find more From Pencils to Pixels: The Animation Celebration Podcast at: www.rf4rm.com Follow the show on Twitter: @pencil2pixel Follow the hosts on social media: Scott on Twitter: @scotthopkins76 Michael on Twitter: @mlyonsfl I Michael's web site: www.wordsfromlyons.com Rate, review, & subscribe to From Pencils to Pixels on Apple podcasts I Google Play I Stitcher

In Part 2 of our Halloween Special for 2021 Steve and I (Michael) talk in depth about the 2018 Halloween film and it's sequel Halloween Kills that just came out earlier this month on the 15th. We talk about the characters, the kills and the most impactful scenes as well as the 2 films ranking in the Halloween franchise. Then we rate the 2 films based on a top score of 5 skulls on the horror meter.

Come join the nerd crew on a review of the entire season of Loki. WE talk about likes, dislikes, spec and things we wish Disney would have done. Don't worry I (Michael) was not as thorough this time.

Join us for the rest of our first movie review. Apparently, I (Michael) like to be thorough.

Hello Everyone, We are so excited to be sharing our experiences and insights on how to navigate through your goalie careers. In this episode, Kendra and I (Michael) introduce ourselves and share why we became goalies. If you have any topics you would like to hear about you can reach out on Instagram or Facebook @onestopgoaltending or email us at thegoaliecorner@gmail.com We will be releasing new episodes every Sunday. If there are any topics you would like to hear about, please reach out on Facebook or Instagram @onestopgoaltending or email us at thegoaliecorner@gmail.com. For more goalie related training: Mental Training Program: OSGmental@gmail.com YouTube: One Stop Goaltending Instagram: Onestopgoaltending Facebooks: Onestopgoaltending Tik Tok: OSGoalie

In this episode, Yuriko (3rd-year student) and I (Michael the teacher) talk about the start of rainy season (Tsuyu). Yuriko then leads a discussion with Taiga (2nd-year student) and Koshiro (1st-year student) about the recent start of the Coronavirus vaccinations at our university and in Japan. About "Tsuyu" - rainy season: https://www.japan-guide.com/e/e2277.html intro. music: https://www.bensound.com --- Send in a voice message: https://anchor.fm/michael-blodgett5/message

With the 2021 school year starting, we have opened up the class to new members. Yuriko (3rd year medical student) and I (Michael the teacher) interview four of those new members in this episode: Yuka, Suguru, Misaki, and Koshiro. Enjoy! About "Kakizome" https://en.wikipedia.org/wiki/Kakizome --- Send in a voice message: https://anchor.fm/michael-blodgett5/message

Yoga Teachers don't drink, swear, eat meat, or make mistakes. Ha! That was hard enough to type let alone accept as truth. These are just a few of the unrealistic expectations that are put on Yoga Teachers. It's true that as Yoga Teachers, we have a responsibility to help heal the world and inspire health and wellness through the practice, but not in such a way that doesn't align with your wants, needs, or desires. There's also the idea that once you become a Yoga Teacher you 'should' automatically know how to fix people's injuries or limitations. That's a hard one to get over for a lot of new teachers, and I'm happy to say that I (Michael) break that one down to the point where you can sleep better at night knowing what your TRUE responsibilities are as a Yoga Teacher. - - - In this episode, Paul and Michael discuss the unrealistic expectations that the general population puts on Yoga Teachers. To be a certain way. To eat a certain way. To have a certain "energy" about them. While some of these traits may be true for some, they are not absolutes. This episode is all about deconstructing and debunking the many unrealistic expectations and turning them into after-thoughts. - - - If you liked this episode (or any others), and you haven't given us some love, then here's what you can do: If you listen on Spotify, give us a follow and like! If you listen on Apple Podcasts, give us a subscribe, rating, and review! If you just listen to us, and you have a comment or question, send one of us DM. We'll make sure to cover the topic! - - - This Podcast is co-hosted by one of the most respected yoga teachers from the world-renowned Yoga Barn in Bali, Indonesia, Paul Teodo and, internationally recognized Physiotherapist and rehabilitation specialist, Michael Henri. Connect with us: Michael Henri's Instagram Paul Teodo's Instagram Byron's de Marsé's Instagram - - - Want to train with us and level up your practice and teaching style? Check out our Online Mentorship program - where we focus on getting you ready to stand out from the crowd and be the most professional Yoga Teacher you can be! Going Pro: Yoga Teacher Mentorship Program

In this episode Steve and I (Michael) talk about the common perception of comic books being only for kids - to the point where it's considered immature for adults to read them. We break it down to where this viewpoint started and explore whether or not this perception is still valid today.

After a break, we are back! Yuriko (Nara Medical University student) and I (Michael the English Instructor) are excited to start the 2nd season of Medical Student Life in JAPAN. In this episode we catch up after our break, talk about our plans for the 2nd season, and even brainstorm some interesting topics to discuss going forward. We appreciate all of you listeners! --- Send in a voice message: https://anchor.fm/michael-blodgett5/message

This is our Season 1 finale episode! Yuriko (medical student) and I (Michael the teacher) talk about New Year's traditions in Japan, details about how Yuriko spent her New Year's Day, Karuta (Japanese card game), new year resolutions, and the Coming-of-Age holiday in Japan. We will take a short break (a month or so) to recharge, and then will be back with Season 2. Thanks for listening and sharing! --- Send in a voice message: https://anchor.fm/michael-blodgett5/message

We're back with another episode, y'all! This week we talk about Shania Twain's enigmatic hit, "That Don't Impress Me Much," Tinder bios, ice cream shops, Spy Kids 3D, Instagram poets, and more! As always, thank you so much for listening. I (Michael) love doing this podcast so much, and I genuinely hope you all like it. We appreciate your support so much!

We made it to 10 episodes! Thanks to all our listeners! In this special holiday episode, Yuriko and I (Michael) discuss Christmas and Oshogatsu (New Year's Day) in Japan. We hope you enjoy it! --- Send in a voice message: https://anchor.fm/michael-blodgett5/message

In our 9th episode, I (Michael) continue my interview with 3rd year medical student Itsuki. We talk about several topics including: research clerkships, continued research in the lab., club activities such as ESS (English Speaking Society), and his plans for the upcoming winter holiday season. Enjoy! --- Send in a voice message: https://anchor.fm/michael-blodgett5/message

In our 8th episode, I (Michael) welcome a special guest to the podcast. The guest is 3rd year medical student Itsuki. He is an incredible young man who not only studies hard, but also tells great stories. We talk about several topics including: 3rd year studies, research in the laboratory, human dissection, and parasitic worms in the BRAIN! This is part 1 of a two-part interview. Enjoy! --- Send in a voice message: https://anchor.fm/michael-blodgett5/message

In our 5th episode, I (Michael the English instructor) interview Yuriko (Nara Medical University student) about the purpose and benefits of joining club activities at medical college. Yuriko shares all kinds of fun and interesting information. Thanks for listening! --- Send in a voice message: https://anchor.fm/michael-blodgett5/message

In our 4th episode, I (Michael the English instructor) interview Yuriko ( Nara Medical University student) about the start to her medical college life. We talk about the entrance ceremony (unique to Japan?), 1st year classes, clubs, and welcome parties. --- Send in a voice message: https://anchor.fm/michael-blodgett5/message

In our 3rd episode, I (Michael the English instructor) interview Yuriko ( Nara Medical University student) about the path to medical college. She gives insightful answers into cram schools, the Center Test (imagine the Japanese version of the SAT), entrance exams, and getting accepted to medical school. Enjoy! --- Send in a voice message: https://anchor.fm/michael-blodgett5/message

Glorification: what is it and why does it matter for me today? Listen as Michael explains! *Note. In this episode I (Michael) say evolutionary theists hold that sin and death were natural in the world before the primal sin. This is not what I meant, and misrepresents them. They maintain death was in the world before the first sin.* --- Send in a voice message: https://anchor.fm/accessibletheology/message Support this podcast: https://anchor.fm/accessibletheology/support

I (Michael) and so excited about all of you getting to hear this episode because I had an absolute blast recording it and talking with my good friend Hanz Freller about his life and experiences. We chat about therapy and some of the negative stigma's surrounding it as well as his book he wrote about his life.  Trigger Warnings: Suicide, sexual abuse of a youth and depression. If you want to see the video that sparked Hanz to write a book and speak out about mental health and getting help, just click this link: https://www.youtube.com/watch?v=SmfAhBY_BwY&pbjreload=101 And if you'd like to support Hanz and buy his book: http://bit.ly/WalkingOnGlassPrint If you have topic ideas, or you want to comment on the show anonymously, or you even want to be on the show as a guest to tell your story and talk about issues that mean something to you; send me an email at podcast@hashtagicare.com And remember, we love you. Take care, #icare. Apple PodcastsSpotifyStitcherGoogle Podcasts Join the movement! Facebook GroupFacebook PageInstagramTwitter

Authenticity. Empowerment. Determined. As I was finishing the production of this episode I asked Dr. Mel to give me three words that describe her and how she operates in life. Listen in as I (Michael) interview Dr. Mel to learn more about what's important to her and how she is working to create change in our culture. Dr. Mel talks about her favorite book, her ideal day, makes some quick decisions, and ends with wisdom we can all utilize to improve the health of ourselves, our families, and our communities. You can reach Dr. Mel through her website, inspirelifechirocenter.com, on Facebook and Instagram (@drmelkrug), or by calling the office at 651-756-1218. "We stand for your health being inspired by CHOICE, rather than being inhibited by chance." -Keep Inspiring!

I(Michael) start off this episode by trying out my new favourite coffee gadget, then we're onto the New Yorker puzzles and t-shirt printing, both great ways to entertain yourself in lockdown. Davina tries to convince me change my mind about Gazpacho (aka cold soup!), i revisit my review of the Last Dance and one of our listeners asks us to take a look at a new Britney Spears documentary. Remember to make sure you're listening on the Entale app to get access to all the links to products and behind the scenes pictures. And if you'd like to donate to the Radio Academy's emergency fund you can do so via this link - https://bit.ly/support-podcasts

This week, I (Michael) have been watching a slightly dodgy documentary about Tony Blair. Davina's found a weird and wonderful online choir, as well as a fantastic chap to follow on Twitter. Then we discuss the benefits of nootropics, and my recommendation is a subscription to The Washington Post.

Our first podcast recorded apart! Up today...I (Michael) wax lyrical about the Greggs frozen goods i'm enjoying in lockdown and a brilliant book about nature and nurture called Blueprint. Davina talks about the benefits of headspace the meditation app and turmeric shots and we both discuss The Morning Show and The Matrix.

This is the first episode we have recorded on our own albeit before the full lockdown was implemented! To set the scene...we're at Davina's house with her dog Beau and the beloved Aga! We've got lots of entertainment recommendations for you to keep you amused including This Time with Alan Partridge and Trainspotting the movie. Davina reviews her favourite perfume Molecule 1 and I (Michael) review a new hairstyler from Revamp. We chat about our new favourite instagram account @shuvitcancer and show you how to make the perfect poached egg. Send us in your perfect eggs to makingthecutpodcast@gmail.com

Throughout the weekend of the Cruciform Conference, I (Michael) enjoyed fresh cups of coffee from Better Life Coffee Co and mild chatting with Joe Heatwole, founder, and owner. As the conference was finishing, Joe was given a chance to tell “his story” before the final sermon. What I heard was a story I want everyone […] The post Ep. 030 | Better Life Coffee Co — TAU Roundtable appeared first on Things Above Us.

Throughout the weekend of the Cruciform Conference, I (Michael) enjoyed fresh cups of coffee from Better Life Coffee Co and mild chatting with Joe Heatwole, founder, and owner. As the conference was finishing, Joe was given a chance to tell “his story” before the final sermon. What I heard was a story I want everyone […] The post Ep. 030 | Better Life Coffee Co — TAU Roundtable appeared first on Things Above Us.

To give Dominic and Nhi a much needed break, I (Michael) recorded a podcast with our friend Steve Schwartz from the College Admissions Toolbox. Check his work out at https://itunes.apple.com/us/podcast/college-admissions-toolbox-podcast-college-applications/id1016715810?mt=2. Because Steve is an alumnus of Columbia College, we compare and contrast our experiences at Columbia. A lot has changed, but a lot hasn't too. We find out how Columbia has shaped Steve and his career post-college and spill some tea about the Columbia-Barnard relationship. Check out the show notes for links to more helpful information - http://bit.ly/aupod44 Follow us on social media - Twitter - twitter.com/aupodfm Facebook - facebook.com/admissions.uncovered Instagram - instagram.com/admissions.uncovered Subscribe to the podcast - iTunes/Apple devices - bit.ly/aupodapple Android devices - bit.ly/aupoddroid --- Send in a voice message: https://anchor.fm/admissionsuncovered/message

This is a one-man-show so I (Michael) represent the writing, editing, producing, engineering, instrument playing, and, male vocals for the band, "GROUNDGOD."  https://www.reverbnation.com/groundgod Dominique Demetrice Griffin, known as D'Meetri, is a Vocalist, Songwriter & Producer from St. Paul Minnesota. https://www.reverbnation.com/dmeetri Bad Weather States is the brainchild of 5 noble gentlemen from the Lakelands of South Carolina. https://www.reverbnation.com/badweatherstates8 Doug Gardner had no idea he was going to be an Americana artist when he bagan his journey. Check out his interview. https://www.reverbnation.com/douggardner Paul Pedana is an Italian musician, singer, songwriter, multi-instrumentalist and record producer born in Umbertide, in the vicinities of Perugia, Italy. https://www.reverbnation.com/paulpedana

Thank you for listening.  First off, we apologize for the audio quality.  It will be corrected on episode 3.   In our relationship, I (Michael) am the spender and Kelsa is the saver.  I was never good with money, keeping my checkbook balanced or really saving.  Kelsa has a finance degree, MBA and has 13 years of financial experience including Financial Advisor, corporate accountant and her current business: financial coach.  It's a match made in heaven... or is it?  Da...Da...Daahhhh   Are you a saver or a spender?  What about your significant other?  How do your different (or similar) money habits effect your relationship?  Most couples have one saver and one spender.  They speak very different languages and have different principles when it comes to money.  Money issues are the number one reason for divorce in America and maybe that is because savers and spenders need to learn how to communicate about money as well as understand what their partner needs and wants.     It has take Kelsa and I almost 15 years to really figure out how we each deal with money and how to empathize with each other.  I still will go buy something not budgeted (although usually under $25 compared to hundreds of dollars a long time ago) and Kelsa is able to spend money on something she considers a "want" rather than a "need" where she used to think things were good enough and not necessary to spend any more money.     Take the time to think about your relationship and your significant other.  Are you the saver or the spender?  What about your significant other?  How do they see the finances and do they know how you see finances?  What would it take to compromise?     Comment below Email us: michael@fiscalfitnessphx.com Connect on Twitter: @IamFiscallFit Call: (480) 788-4588 Comment on our Facebook page You can find out more about Fiscal Fitness Phoenix financial coaching here You can find out more about Financial Coach Academy here

Certain sins are unforgivable. Poor interface, an over-abundance of tooltips, and apparently ship designers. Let's get one thing straight: I - Michael, who writes these notes every week - like ship designers. I liked Gratuitous Space Battles, I like them GalCiv, I like them any way I can get them. So while I've never been on the show to defend my case on this particular topic, I'm writing the notes. Do I get to editorialize? Sure I do. Who's going to stop me? Troy? Ship designers are always a delight. If you don't like them, then this week you can listen to Rob, T.J. Hafer, and Rowan Kaiser go through their lists of strategy game pet peeves.

This week, I (Michael) present my favorite music from 2015: songs from my favorite albums (see below), singles, and EPs including tunes from Maribou State, Bruce Trail, Thundercat, Wild Ones and Voices from the Lake. There was a ton of great music released this year and I am especially proud of the mixes we added […]