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The Alive & Free Podcast
How to Stay Full in Motherhood: Spencer Interviews Sammi [Sammi's 10-Year Journal Process with God]

The Alive & Free Podcast

Play Episode Listen Later Jun 18, 2024 30:35


We've been getting so many questions on instagram and through our email from you guys asking about Sammi, life updates, how she's navigating motherhood, how she's staying connected to herself and God in the midst of huge transition.... So... I (Spencer) wanted to spend this podcast episode just asking Sammi those questions as well as some vulnerable questions of my own... It ended up being a really cool episode! Sammi shared how it has been super difficult to stay connected to herself and God in this season and what she's doing in those little margin moments to connect. She shares her journal process that she's used for the last 10 years. If you are facing any difficult or challenging circumstances in this season and you want to experience a rich connection with your heart and with the heart of God, check out this episode! Thanks for listening. Also, check your email for updates on our newest emotional health resource for women:  The Alive & Free Collective.

Sex, Drugs, and Jesus
Episode 81: An Inside Look Into The Social Security Administration, With Spencer Bishins, Author Of Social Security Disability Revealed: Why It's So Hard To Access Benefits And What You Can Do About It

Sex, Drugs, and Jesus

Play Episode Listen Later Dec 8, 2022 67:18


INTRODUCTION: Spencer Bishins has a master's degree from the London School of Economics, and a law degree from Florida State University. Working for SSA for more than 10 years, he drafted or reviewed thousands of disability decisions. After leaving SSA, he wanted to help demystify the complicated disability system. His first book, Social Security Disability Revealed: Why it's so hard to access benefits and what you can do about it, explores the obstacles that disability claimants face as they try to access benefits. INCLUDED IN THIS EPISODE (But not limited to): ·      SSA System Demystified ·      Veteran's Concerns ·      The Impact On The LGBTQIA+ Community·      Are Drugs & Alcohol A Factor?·      SSI Vs. SSDI·      Medicaid & State Level Implications·      Acceptable Income Levels·      The Way Claims Are Handled ·      Treatment Record Hassles·      HIV Rules ·      How Approvals & Denials Are Decided·      The Impact Of Politics·      Interesting Info On The Kinds Of Judges That Decide Cases CONNECT WITH SPENCER: Website: https://www.bishinspublishing.comFacebook: https://www.facebook.com/BishinsPublishingInstagram: https://www.instagram.com/bishinspublishing/Twitter: https://twitter.com/bishinspub  CONNECT WITH DE'VANNON: Website: https://www.SexDrugsAndJesus.comWebsite: https://www.DownUnderApparel.comYouTube: https://bit.ly/3daTqCMFacebook: https://www.facebook.com/SexDrugsAndJesus/Instagram: https://www.instagram.com/sexdrugsandjesuspodcast/Twitter: https://twitter.com/TabooTopixLinkedIn: https://www.linkedin.com/in/devannonPinterest: https://www.pinterest.es/SexDrugsAndJesus/_saved/Email: DeVannon@SexDrugsAndJesus.com  DE'VANNON'S RECOMMENDATIONS: ·      Pray Away Documentary (NETFLIX)o  https://www.netflix.com/title/81040370o  TRAILER: https://www.youtube.com/watch?v=tk_CqGVfxEs ·      OverviewBible (Jeffrey Kranz)o  https://overviewbible.como  https://www.youtube.com/c/OverviewBible ·      Hillsong: A Megachurch Exposed (Documentary)o  https://press.discoveryplus.com/lifestyle/discovery-announces-key-participants-featured-in-upcoming-expose-of-the-hillsong-church-controversy-hillsong-a-megachurch-exposed/ ·      Leaving Hillsong Podcast With Tanya Levino  https://leavinghillsong.podbean.com  ·      Upwork: https://www.upwork.com·      FreeUp: https://freeup.net VETERAN'S SERVICE ORGANIZATIONS ·      Disabled American Veterans (DAV): https://www.dav.org·      American Legion: https://www.legion.org ·      What The World Needs Now (Dionne Warwick): https://www.youtube.com/watch?v=FfHAs9cdTqg  INTERESTED IN PODCASTING OR BEING A GUEST?: ·      PodMatch is awesome! This application streamlines the process of finding guests for your show and also helps you find shows to be a guest on. The PodMatch Community is a part of this and that is where you can ask questions and get help from an entire network of people so that you save both money and time on your podcasting journey.https://podmatch.com/signup/devannon  TRANSCRIPT:Spencer Bishins[00:00:00]You're listening to the sex drugs and Jesus podcast, where we discuss whatever the fuck we want to! And yes, we can put sex and drugs and Jesus all in the same bed and still be all right at the end of the day. My name is De'Vannon and I'll be interviewing guests from every corner of this world as we dig into topics that are too risqué for the morning show, as we strive to help you understand what's really going on in your life.There is nothing off the table and we've got a lot to talk about. So let's dive right into this episode.De'Vannon: Spencer Bishins is the author of the Eyeopening book Social Security Disability Revealed why it's so hard to access benefits and what you can do about it baby. Now in this episode, we're peeling back the pages to give you an inside look at what really goes on inside the Social Security Administration.And as you can guess, it's lots of Tom Foolery lies honey scandals in every [00:01:00] imaginary type of deception. Listen close, learn some new shit. Share this with a bitch, you know, and reach out to me and let me know what bothered you the most about what you found out about the Social Security Administration.Hello, are you beautiful and special people out there? And welcome back to the Sex Drugs in Jesus podcast. My name is Hubert and I'm your house. And I have with me the mentally stimulating, mind opening, feeling spilling. Spencer Bishops and he is an author and he has come to help us out a lot today.Spencer, how are. Spencer: I'm good. How are you? I am De'Vannon: fan fucking, Spencer: and I, I, I have to say that is the most unique intro I've had so far. No one has given me that exact same intro yet, , [00:02:00]De'Vannon: god damn it. And they never fucking will unless they steal my shit. So, I mean, that's bowing to happen. So so Spencer, he, he wrote a book, it's called Social Security Disability Revealed.Oh, there it is. Beautiful. Why it's so hard to access then to fits and what you can do about it. So, Spencer Bishop, he has a master's degree from the London School of Economics and a law degree from Florida State University. Go FSU now. He worked for the Social Security Administration for more than 10 years.Then he pieced out from them motherfuckers because he wanted to demystify the complicated disability system. This book here, Gonna help you overcome the obstacles that stand in the way of you getting your damn money. Especially after we work, they take all goddamn damn money outta our check and then when we want it, they don't wanna give it back.Ain't that some shit? [00:03:00] Fucking Spencer: bitches. You don't even need me. That's just summarize the whole book right there, . Yeah. So. De'Vannon: I'm gonna pull up the table of contents and read just a few of the chapters and then, I mean, read, read a few of the chapter titles just cause I found them to be interesting. And then, and then right after that, I'm gonna let you tell people why you wrote it and who you are, in your own words.But I thought, I just thought the, the table of contents would like, kind of spill some of the t. So some of the chapter titles from this book are called like after the hearing the Appeals Process, permanent Mental Health Conditions, drug Abuse and Alcoholism, child claimants, deceased Claimants and Widow Claimants Firing Your Representative, and fraud, waste and Abuse.You know, this, this book has 34 chapters in it. So during this podcast show here, and I don't know, we might have to have you back on for a second [00:04:00] time, but be it once or twice, we won't be able to cover all this. So, Y'all wanna get your money, gonna have to get this booked here. So we're thankful that you, after having worked there, gave us this testimony.Now tell us why you did this in your own words and who you are.Spencer: Before I do that, I just wanna say, I promise what's in those chapters is far more interesting than the titles themselves. I wanted to do some more like catchy chapter titles and my editor suggested, no, just tell people what's in the chapters.Don't get too fancy with the chapter titles themselves, but the actual content is far more interesting. So I worked for Social Security for 11 years. During the first four years, I reviewed thousands of cases on appeal decisions that had already been written. And then I went before, as you say, before I pieced out.I spent another seven years at the hearing level actually writing decisions for [00:05:00] administrative law judges. So, and I wrote almost 2000 decisions. So with a sample size that large, as you can imagine, I learned a lot about who gets paid, who doesn't, how judges make the decisions that they make, what techniques they use to deny cases, even when there's really good evidence suggesting someone is disabled.And as you said in the intro, everyone who has paid into the system, that's your. If you work, if you've paid the social security tax, whether you're an employee or have been an employee, or are, or have been self-employed, either way you've paid the social security tax. Mm-hmm. , and that's why it's called an entitlement because you are entitled to get money if you qualify.But I learned a lot of the ways that Social Security and its judges look at people and medical records that should qualify for benefits and figure out ways to deny those [00:06:00] claims. And so I wanted to present the information that I had learned about what the Social Security disability process is. Cause it, it, you know, it's the government and it's, it's social security.It's like two things that if you are not sleeping well, you know, just think about those right. And it'll be your cure for insomnia. And so most Americans don't want to think about boring things like the government or social security or government benefits until you actually need them. If you get hurt, injured, have some sort of chronic condition or something, all of a sudden it ain't so boring anymore, right?Then you realize, wow, this is something that I actually need. I really need to know how to work this system. I need to know how to play the government game, and so that I can give myself a decent chance of actually getting these benefits that I've paid for. Mm-hmm. , De'Vannon: show us the [00:07:00] money. We need our money. So how many people do you think are on disability right about now, and about how many applications do you think come in a year?Spencer: So it wasn't long ago that it was like 2 million applications a year. I think now it's somewhere between around 1 million applications a year. I don't know if we're still above that number or not. And somewhere around nine or 10 million Americans are on are receiving disability benefits. And for social security overall, I think it's like 40 million.It's a lot because that baby boomer generation is in the retirement zone and in like another 10 years as they've died out. I mean it sounds heartless, but that's just statistics and math and reality. Right. At the point where they've died out, the number of overall recipients will probably come down, but the number of disability recipients probably hold pretty steady over time.Okay, De'Vannon: [00:08:00] so, so somebody, it's a, it is a state benefit as I understand it, or is it federal? Spencer: No, it's a federal benefit. When you apply, the first place your application goes is to your state agency and someone at the State Department of Health is responsible for making that initial decision. But if you're approved, it comes out of the federal pot of money, either the Social Security Trust fund for Social Security Disability Insurance, or for supplemental security income, which is a different program.It just comes right out of that plot of general revenues in federal income tax that we all pay. But, but it's federal both ways. So at the initial level and at the reconsideration level, which is the second, second step of the process, it's a state employee making the decision, but still as to whether or not you can get federal money.Okay. So, but, but as I [00:09:00] talk about in the book, Their decisions can impact the state budget too, which is why they're not neutral decision makers. They're not disinterested parties. There's a conflict of interest because if they approve you at the, if that state employee approves you for ssi, you can then get the Medicaid.And Medicaid is a federal state partnership, right? So it's a state employee deciding whether or not you should be approved for ssi, but knowing if they approve you, it's gonna cost the state money from their Medicaid program. So what would you do if you were that state employee and you could potentially cost the state lots of money and your boss has told you, stop costing our state.It's a conflict of interest, isn't De'Vannon: it? Yeah. They do shit like that. That's why I don't work for anyone anymore because bosses are bitches. So you mentioned ssdi. I, so what is the difference between SS I versus [00:10:00]S S D Spencer: I? Yeah, so, and I, and I cover this more in depth in part one of the book. But SSDI is, so I think it, you used to work for someone then, right?Were you ever an employee, W2 employee and you got a pay stub? Yeah. Most of us have done that at some point. Right? On that pay stub, you see three federal taxes coming outta your paycheck every two weeks. Federal income tax. But then there's also the social security and Medicare tax, that social security.Goes to pay for the Social Security Trust fund. And normally we think of that as retirement. I got something I get when I'm an old bart. Right? Don't have to worry about that now. But that also pays for the disability program, which think of that like as your retirement benefits, but sooner if you become disabled and unable to work.So that tax pays for both of those programs, which are kind of really the same [00:11:00] program. That's ssdi Social Security Disability Insurance, that tax you pay. Think of that like an insurance premium that you're paying. And then you have this insurance coverage and you have to have that insurance coverage in order to file an insurance claim.So it operates like an insurance company in that regard. Separate from that is supplemental security income. And that program is really for people who either, who don't have that. Insurance that I just talked about, because they haven't paid enough into the social security system to earn enough credits.So that could be stay at home parents, it could be young workers who haven't paid in long enough. It could be recent immigrants, it could be older people who are retired and haven't worked in the last five years, and so their insurance ran out. So for whatever reason, maybe you just can't get that S S D I insurance.Well, you can go file a claim for [00:12:00] ssi and as I said, that comes out of just regular income taxes. But because that's not an earned benefit, you didn't pay that insurance premium. It's a lot more unstable of a program. First, there's asset and income limitations, so if you have even a little bit of money or you're earning even a little bit of money, you're not gonna qualify.And even if you get approved, it's like 800 bucks a month. And if you work part-time, they'll offset that 800 bucks a month. And as I talk in the book, they'll even offset it for other things. Like let's say you're homeless, so you're crashing on someone's couch. Social Security will say, well, you're getting air quotes pre-read, and they'll deduct whatever they think the value of that is from your ssi.So that SSI program, it's there. And for some people it's all they can get, but it's really not a very good or very useful program. [00:13:00] So the SS D I program is much better. It's an earned benefit. And with that you can get Medicare coverage if you're disabled, which helps with healthcare. If you're not working, you don't have private health insurance.Right. And the other great thing about the S S D I program, the insurance program is that you can actually work. And still get paid benefits at the same time. And that's totally allowed. And the reason Social Security allows that is they want people to try and go back to work. So they let you collect your benefits while you're getting back into the workforce and making sure you can do it.Oh, De'Vannon: that's so sweet of them. I Spencer: know, right? Yeah. But people get confused cuz they're like, my neighbor's disabled and I saw him out pushing a lawnmower and they think like people are gaming the system by working while collecting disability. But that's just a misunderstanding of the system. System actually wants you to go out and try and work [00:14:00] to see if you can do it.And then if you do that long enough, then you graduate from the S S D I program. And they stop your benefits and you return to the workforce. So it's actually a good thing that we let people collect benefits and work because otherwise nobody would go back to work. Right. And that's what we want. We want people who can go back to work.To go back to work if possible. De'Vannon: So if somebody's working in collecting those benefits, is there like a maximum amount of income they can work? I mean can bring in in order for that to Spencer: happen? You read the book didn't you? ? I can tell. Cause that's an excellent question. And you know the answer is yes, there isSo there's a maximum amount of money that you can be earning per month when you're an applicant and a separate number. That's a maximum that you can earn after you're already receiving S S D I benefits. And that amount is lower. And the thing is, if you work and [00:15:00] earn under that amount, You can just keep working indefinitely as long as Social Security keeps paying you your benefits.If you exceed that amount, that's fine, but you only get to exceed that amount for nine months. At the point where you've exceeded that amount for nine months, social Security decides that's what, how they decide that you can go back to work. And so that amount changes every year. But I believe it's $970 this year in 2022.So if you are getting benefits, you're allowed to work. But if you exceed $970 per month, it actually isn't a lot to think about it, right? Like if you're making 50 bucks an hour, it's 20 hours a month or five hours a week. So it doesn't take a lot to show that you can go back to work, but that's what social Security wants to see.They don't need to see that you're working 60 hours a week. They just need to see enough to know that they can cut you loose. [00:16:00] And that you'll be okay on your own. Mm-hmm. and, and that number is a little higher when you're an applicant. It's $1,350 per month that you can work and earn and still claim, Ben still file an application for benefits because that amount indicates that even though you can work, you're probably not doing full-time work.If you exceed that amount, social Security decides that's, that means you can probably show that you can do full-time work and you're not disabled. Mm-hmm. . De'Vannon: So why thank you for that breakdown. Why, why or so many people not at the beginning of the process? Well, we talked about Spencer: one reason already, right?Which is that when you go to the state agency, you, when you first file your application, someone at your state government, usually it's the State Department of Health. Some like $40,000 a year bureaucrat is gonna look at your disability claim and basically like, Make a decision on your life. They'll look [00:17:00] at your medical records and your work history and they'll make a decision as to whether you're disabled.But as I talked about a few minutes ago, they're a state employee and they work for people who wanna keep the state Medicare costs down. So one reason is there's a conflict of interest and they just wanna save the state money. But another reason is, I mean, just think about your own medical records, like they're probably, you probably, if you went to try and get all your medical records for the last couple of years today, you'd have a hard time doing it.And if you have physical impairments, that mean you can't leave your home. So when your doctor says, just come pick 'em up at our office, maybe that's hard to do. Or if you have mental health impairments, Agoraphobia or anxiety, depression, you can't deal with other people. It might be hard to talk to people in, in your doctor's offices.I, not too long ago, a doctor literally told me, we'll [00:18:00] fax you the records. What's your fax number? Like it was 1987. So it's often just really hard for people to get their medical records, to get them organized, to make sure they're complete, to get records from all the different places they've been getting treatment.So I guess they even back up from that. The first thing is sometimes it's hard for people to just get medical treatment. In the United States, 80% of people get their health insurance from work. So if you can't work, cause that's why you're filing a disability claim, right? You can't work, you lose your health insurance, well then you can't go get medical treatment.So the first obstacle is, I can't even get treatment. So how am I supposed to get records? Even if you can get treatment, it's sometimes hard to literally get the actual pieces of paper from your doctor. And then you've gotta get it all organized and give us a social security. You've also gotta fill out their application, their other endless paperwork, like functional reports rely on them probably losing [00:19:00] something along the way and making you fill it out again.Or like, oh, sorry, we lost some of your medical records. Can you like go get those a second time for us? Thank you. It's just barrier after barrier after barrier. The social security puts in your way, a lot of it with very specific intent to keep you from getting through the process and getting a favorable decision on your claim.They know it's hard for Americans without a job and insurance to get treatment. They know it's hard for Americans to gather medical records. Our medical record keeping system in the United States is. In France, everyone has a card. It's kinda like your driver's license and it's like it's got a barcode on it and that card you can take to any medical facility in the entire country and they scan it and they can immediately pull up your entire medical history.In the UK they have something similar with their National health Service and [00:20:00] during the pandemic, within one week, they knew every single British citizen who was a high risk for Covid and they were able to deliver food boxes to those people's homes because they knew where they lived and they did it within one week because they had that information.It was well organized. They knew exactly where to find it, and they knew how to keep people safe. And in the United States, we still have doctors saying, we'll fax you your records. It's ridiculous. But Social Security knows that this is happening. So they know that the records that they're gonna get when you first file your application are gonna be kind of a mess.So is it any surprise that they're denying over 70% of people at that initial application? Somewhere along the line, someone gets tripped up. They don't fill out a form, right? They don't get certain medical records in they can complete, they miss a meeting with someone with the Social Security Office.They can't [00:21:00] go see. Social Security will send you to see this doctor that they basically pay to give you an opinion that you're not disabled. They literally tell you you have to go see a doctor. And we're paying that doctor, and those doctors know to send Social Security and opinion saying that you can work.Otherwise they're not gonna keep getting referrals. And so if you cooperate, you'll probably get an opinion saying you can work. And if you don't cooperate, social says, security says you're not cooperating. So like at some point, one of everything that I've just said will trip up most people and that's why most claims get denied at the initial level.I do know someone who got approved at the initial level, but he was like, he was in the hospital for several months and like, you know, you can imagine how many thousands of pages of medical records that was and they all came from one source. That's the kind of case that social security probably [00:22:00] approves at the initial level, but that's a very rare situ.De'Vannon: Mm. Well y'all of, y'all wanna find out how to circumnavigate that sort of issue. You better grab a copy of this book now. Talk to me about any kind of implications related to, hum. Human immuno efficiency virus, hiv. Spencer: Yeah, so Social Security has a listing for, I it's in the immune disorders section and let's see if I can get it right.I think it's listing 14.08. I haven't been with Social Security in a year, so we'll see if how close I came to that. But the thing is, the social Security listing requirements, they're really strict. And so while every. I was wrong. It's 1407, so I was close though. And [00:23:00] the requirements are super strict for every impairment listing and HIV is no exception.So if you meet the requirements, you can be found disabled without social security considering your work history or whether you could work. That's to talk about in section two of the book, how that's just a medical determination. But you have to have not only the infection diagnosed, but you have to have something else that is either resistant to treatment or requires hospitalization.And that has to happen three or more times in a 12 month period. And there's a list of what these other diagnoses have to be, or you have to have something else for a full 12 month period. Or you have to have repeated manifest manifestations of your disorder. At least two. So there's so many requirements is my point.And that's the case with all the social security [00:24:00] listings. It's not just like an HIV diagnosis. It'll say, you know, an HIV diagnosis with this, this, this, this, and this. And the last thing will have like three elements under that. And that's only like the most severe case is end up meeting these listings.And so for most people, the way that they're found disabled is based on their functioning. So if you don't meet this very specific list of requirements, what social security does is they say, okay, you didn't, you're not disabled medically, but how does your impairment now impact your functioning? What are your functional limitations?And is there a job you can do in the national economy? And so I think with I probably a lot of it is fatigue. And, and there and there may also be difficulty standing and walking or lifting because of fatigue. Do I have that right? As far as like, those are kind of typical functional [00:25:00] limitations someone might have.De'Vannon: I don't really feel like there's like a limit to limitations with someone with HIV man because hiv. Lowers, you know, the immune system and it depends on that person's body. Spencer: That's a great point. Yeah. So you could have gastrointestinal issues, you could have breathing issues, and then of course, it's really common when people have any kind of physical impairments.It's really, really, really common to then have mental health impairments as well. Actually, I, I would say most cases that I saw that had anxiety, depression, PTSD, listed as impairments, they were secondary to some sort of physical condition, be it musculoskeletal or respiratory or an immune system disorder, like hiv.And so, yeah, when you take into account all of this person's impairments and all the ways that it impacts the mind and body, what happens is social security [00:26:00] comes up with a list of functional limitations and then they go to a, a vocational expert, a jobs expert, and they say, Here's a hypothetical person with a bunch of limitations.Are there any jobs in the national economy that person can do? And as I talk about in the book, the thing is when they ask that question, when the judge asks that question, they already know the answer. And here's, I'll give you an example. If I say, I have a hypothetical person who can only work six hours of an eight hour workday, are there any full time eight hour jobs that person can do?We already know the answer is no. Right? Cause the person can only work six hours out of an eight hour workday. So there are certain limitations that SSA judges and attorneys, there are certain limitations that they know will result in a finding of disability. And certain limitations that they know will not result in a finding of disability because there are jobs out there that someone can do with [00:27:00] those limitations.So that's where it becomes a really. Personalized review of your situation where the judge and the attorney looking at the case, have to look at your very specific medical records. Look at what you're telling doctors, look at your overall functioning, look at your attempts at work and see if you couldn't work, why you couldn't work, and try and figure out for this one specific person what that specific person's individualized limitations are based on their personal medical situation.Because as you said, something like HIV and other impairments as well impact people on such an individualized basis at that point. It really, it is about getting into the fine details of that person's medical record to understand what it is that person can or could not do on a 40 hour per week basis.[00:28:00]I'm De'Vannon: gonna get a little bit ahead of myself here since you're, since we're talking about the individualization of it all. Before we had, before, before this recording here, we had talked about a remand rate, a remanding, and you were telling me how not necessarily each and every last review is individualized.Yeah. So can you talk to us about that? Cause I don't want people thinking that they're necessarily going to get special attention, . Spencer: Well, it's, the thing is, it's kind of a mix because the judge who's deciding the case and the attorney who's their staff attorney, who's actually writing the decision, and that was my job, to write the actual decisions for the judges.They do look at every individual's medical records and they do conduct an individualized review of every case at the same time. You are both an individual person but also a statistic because while you're being looked at as an individual case, [00:29:00] that judge has 50 cases that they're doing every month, which means they're doing about 600 case, five to 600 cases a year.And then that hearing office is doing a few thousand cases a year. And then your region is doing 10,000 cases a year or 20,000 cases a year. And then that means nationally it's, you know, over a hundred thousand cases a year. And at each level of the process, you have people looking at the big picture.What is our pay rate? How many cases are we paying? How many are we denying? Is that pay rate too high? Are we getting too much pressure for members of Congress? Cause we're paying too many cases. Maybe we need to bring down the number of cases we're paying. And then if that happens, that filters all the way down to your individual judge who starts thinking.Maybe I'm paying too many cases, maybe out of my 600 cases this year, instead of paying 200, maybe I should pay 1 75 or one 50. And so now they're thinking about which cases [00:30:00] that they may have paid. Now they're gonna deny instead. And that's where you become both the statistic at an individualized person.Because yeah, they're looking at your individualized situation, but they're sitting there thinking, headquarters is telling us to pay fewer cases this year. Maybe this is one that I should be denying. Maybe a week ago I would've paid it. And maybe today, after getting that email from headquarters, maybe today, I think about denying this case.And so it's both and every case is both. You're constantly being evaluated as an individual and a statistic. And that can be really hard on the person writing the decision because. My job was to write the decision the judge wanted. So I don't actually get to decide whether the person's disabled or not.I just have to justify whatever their decision is. And so I would often see cases that I thought there was [00:31:00] really good evidence to approve the person, solid evidence, showing their diagnoses. Say it's something like hiv. I saw a lot of HIV cases. I see their diagnosis. I see their, their test results with cdr CD four, sorry, CD four levels over 200.And I see white count levels that were, were low. And I see other limitations. Difficulty walking long distances. Or someone would say, you know, I tried to go back to work and I just got too tired and I had to quit that job after a week. And the judge would be telling me, we're denying this case. I'd be like, why this?This is really good evidence for I making an individualized analysis saying, I think this is good evidence. I think we should approve this. But then that judge has these external factors that they're thinking about that [00:32:00] in addition to looking at you as an individual, they're also thinking about this case as a statistic.And sometimes when those things, you know, come into conflict, sometimes I then have to write a decision that I don't wanna write or that I don't think the evidence. De'Vannon: Well, I'm so happy you have a soul. You know, I, I know not everybody in the Social Security Administration does, but and you have filled that soul out onto these pages, so I appreciate the, the love that I feel reverberating from you, man.Now there is this book, cuz this little book called The dsm and y'all, that stands with the Diagnostic and Statistical Manual of Mental Disorders. And I think now we're on like the DSM five, it's gone through a few changes over the years. Yeah. So there's a word in there called gender dysphoria. Spencer, and I don't care for that word, dysphoria.However, [00:33:00] that is what is in that book. And so talk to me about what that means and then what it means for dis for the, for these disability claims. Spencer: Yeah. It doesn't mean much. Well, we'll just boil it down to that. So, after the revisions to the DSM happened in 2013 We did start to see diagnoses of gender dysphoria.Andhere's the thing, I'm not a doctor, I'm not a medical professional. The medical training that the lawyers at Social Security who make the legal decisions, the medical training they're given isn't how to look at a person and make a decision. It's really more how to read medical records. Cause that's what we need to do.We need to read medical records and know how to find, know how that evidence translates into the legal aspects of disability. Right? And so if I'm reading a psychologist or psychiatrist's [00:34:00]report and I see a diagnosis of gender dysphoria, I'm not making a decision on whether or not that's accurate. Cause I don't have medical training.All I know is, okay, this one individual medical. Offered that diagnosis. And so what happens then is if the judge, the, the, the definition of a medical impairment for social security is any medical condition that causes even the most minimal impact on any kind of functioning. And so if you were diagnosed with gender, if a person is diagnosed with gender dysphoria and there's even like the slightest amount of a lack of functioning in some kind of area, so like a lack of concentration or I have difficulty getting along with other people because they don't understand my, my choices or my body or what's happening with me, [00:35:00] that's enough.And so the good thing is judges are, they're not rejecting that completely. The judges will di will take that diagnosis of gender dysphoria. And they'll put it in the decision and they'll call that a medically determinable impairment. The problem is having a medical impairment isn't enough because what we talked about is you ha then have to have work related limitations in order to find someone disabled.And there, I, I just, I had my experience from working with the agency and through mid 2021 judges, in my experience, were just not able to find much in the way of specific work related limitations due to that diagnosis. And maybe that's actually a good thing. Maybe that's kind of progressive in saying like, we don't, we, we understand that this diagnosis is there, but like whatever gender you identify with doesn't impact your ability to [00:36:00] do a job.So on the one hand, if it's, if someone's really struggling with that and they're having anxiety or depression, Or PTSD or personality disorder or suicidal ideations, that could be a separate diagnosis alongside gender dysphoria and that could have work related limitations. But my experience is the gender dysphoria itself doesn't really result in, in and of itself work related limitations.And so that's really not gonna be a basis for finding someone disabled and unable to work. De'Vannon: I hope. I hope not. And because people should be able to identify sexually as they want, be non-binary, whatever the case may be, without any sort of negative implications. Spencer: Yeah. And can I say, can I say one other thing?I also saw a lot of medical reports where the person [00:37:00] identified as a member of the LGBTQ community and there was no diagnosis of gender dysphoria. And that was probably a more. Maybe a younger doctor or more progressive doctor who is like, I I the pa, there's nothing wrong with the patient. They're telling me they're lesbian, gay, transgender, bisexual.It's not a diagnosis. And so I'm just gonna focus on their anxiety or depression or these other things they're telling me about. I don't need to focus on how they identify. That's not a diagnosis. In the same way that if someone is a cis I'm not gonna diagnose them with something either. So I saw a lot of medical reports where the medical professional, it just, it didn't matter.It wasn't a thing. It wasn't important. It wasn't, they were what they were focusing on in their medical evaluation. And then other doctors who I could tell just by the [00:38:00] language that they were using were probably baby boomer generation, and maybe they just didn't understand that 25 year old who was coming in and, and talking to them.De'Vannon: Right. And then, and then you, you mentioned that you wrote the decision. The judge, judge did not write the decision, so I wanna be sure that, that, that we're super clear on on that. So the judges don't actually write the decisions. What, what was your exact job title again? Tell us so that we can know. Sure.Spencer: So my job title is Attorney Advisor, and here's the way it works. Social Security is a massive system with over a million applications a year. Several hundred thousand cases are going to the hearing level. There's about a thousand judges Nation. Several thousand other support staff and they're seeing several hundred thousand cases.The numbers are absolutely massive and that means you really need an assembly line in order to keep things moving efficiently. [00:39:00] Cause as it is, people have to wait like a year to get a hearing with a judge. So if you're waiting that long and you're thinking like, why is it taking so long? That's ridiculous.It's just because of the enormous scope of the system. So the judges are doing about 50 hearings per month, so that's about 12 hearings per week. So in a 40 hour week, they're doing about 12 cases. So that's like three to four hours per case. And during that three to four hours, they're doing a, a pre-hearing review of all your records so that when you come into your hearing, they know what's going on with you.They have some idea of your medical history and your work history before they even see you. Then they're doing about a one hour hearing, and then they may have to look at some evidence again after your hearing. And then they write this list of instructions and agency shorthand and I talk about this process in the book, they write this list of instructions and they give it to an attorney, [00:40:00] staff, attorney like me, and then the attorney takes 4, 8, 10, 12 hours to actually write the decision.That's where we're looking at every single one of your medical reports, looking at all the doctors you saw, any medical opinions that are in there from your medical sources, thoroughly, completely evaluating all of that in complete sentences so that, you know, we looked at everything and then that decision gets handed back to the judge, and most of them honestly just sign it.They don't even read it, they don't edit it. They just. They've already spent three and a half hours on the case. They don't have time to do anything else, so they just sign it. Other judges will read through it, make some changes here and there, and tinker with it, and then sign it. But they're really spending very little time in the actual decision.Their job is to just big picture, like approve it or deny it. That's my decision. [00:41:00] My, my staff goes and, and breaks that decision down and, and does the full analysis, and then the judge signs it. So when you get it, it looks like Judge John Smith wrote the decision, you know, wrote this comprehensive 15 page decision.But in reality, they're just taking credit for someone else's work. De'Vannon: Okay, now let's talk about drugs, man. Drugs. Let's talk Spencer: about drugs. . De'Vannon: This is the sex drugs and Jesus podcast. So, you know, the marriage Iana is like super useful and shit. And so like, and, and then we have all these hallucinogenics starting to come up, you know, lsd, celly, masculine and all of that.What are the implications of that? Can since somebody having like medical treatment like that hurt their chances to get approved? Spencer: Yes and no. I was a government attorney, so I'm gonna give you the government answer. So there is a chapter in the book that com [00:42:00] thoroughly discusses how drugs and alcohol work.It. Chapter 26, it's called Drug Abuse and Alcoholism. I don't like those terms, by the way. Those terms come directly from a law passed by Congress in 1996, and that's the law that social security still uses. To decide if drugs or alcohol should be a factor in your case. And there's guidance from 2013 as to about how they apply that.But here's the basics. If you're using any kind of drugs or alcohol, and that's the what causes you to be disabled and unable to work. Social Security can deny you benefits, but if it's secondary, in other words, if they remove the drugs and alcohol from consideration and consider everything else, if you would still be found disabled, then they still find you disabled.So it really has to be the drugs or alcohol use that tips you over the line, right? That that puts you [00:43:00] from, maybe you had limitations, but you could still work full-time and you were not disabled. And then if you're using drugs or alcohol and now you're disabled, that's the point where Social Security says We're applying that law.We're finding that Congress says, if that's the reason that you can't work and you're disabled, then we're gonna find you not disabled. But it has some interesting implications because a lot of people do use drugs for, or alcohol, I guess not alcohol, but a lot of people use different substances for treatment.Right. And there's a lot of states where it's legal. I worked in the state of Washington where cannabis has been legal and you could walk into a store and buy it for eight years now, and the stores are everywhere. Anyone who's been to Washington or Colorado, I think they've got a lot now in California, knows that you just go into cannabis or you show your id, they scan your id and you can buy things to [00:44:00] smoke, chew.They have drinks, they have gummies they have like bath salts. Not bad baths, just like fizzies that you put in a bath to soak in for mu to like help your muscles relax. And so a lot of people use these to help reduce their symptoms so that they can try and go back to work. Luckily the judges do understand this and you have different judges, right?You have some judges that are on one end of the political spectrum and other judges that are more conservative and more hard, harder to deal with when it comes to drugs or alcohol. But even those judges understand that in certain states, cannabis is illegal and people can just go to sore and buy it, and that a lot of people are using it in order to try and improve their medical situation, not to make it worse.So my experience, the judges are actually really good at doing that analysis and [00:45:00] not just looking at what you're using, but why you're using it and how it impacts you. And some of it is self. People ask me like, well, how do they know you're using substances? Some of it is self-declared because they're gonna make you fill out function reports and that's all under penalty of perjury and they're gonna ask you if you are using any drugs or alcohol.And so if you lie, that's really, that's a bad thing. So most people will just declare it, and as I talk about in the book, it really is best to just be honest with Social security and just tell them if you've been using something and why? Because it's not that difficult for a qualified, knowledgeable social security representative to explain to the judge why you were using that substance and why that's not the reason you're disabled, that there's some other reason that you're disabled.That use of that substance was in some way a brand of [00:46:00] self-treatment. And in a lot of cases it is. . And then there are some cases where it's not, and you can tell that the person has a substance addiction and maybe that's their only impairment or their other impairments only surface when they're using substances.And and, and so that's, that's what that analysis is. It's trying to figure out what the core reason is for you being unable to work full time. De'Vannon: Okay. Thank you for that. And I wanna lean more into exactly what type of people these judges are. When we were, before getting ready for this interview, you were telling me, you know, these bitches make like 180 k a year.I don't remember if there's bonuses and stuff like that, but what, what was Spencer: the Probably, I don't know. I'm not a judge, but they probably have some kind of bonus. De'Vannon: But what was important to you? You told me that you said a lot of them were JAG officers and [00:47:00] and that stands for Judge Advocate General.These are people who were in the military, military officers. And so talk to me about the incompatibility, the incongruence the incongruency that you found in between how the health level and the age level of these judges versus the people who they're Spencer: judging. Yeah, so it's not everybody, but a lot of new newly hired judges, a lot of them are from the military because the whole federal government gives a, a preference, a hiring preference to veterans.I think it's the only group where when you're filling out an application for a federal job, your federal employment from the USA Jobs website, it's the only identified group that gets a hiring preference. And that's across the whole federal government. And so, of course, a job with social security, it's a federal agency, is no different.So there tend to be a lot of people who [00:48:00] were lawyers in the military or their lawyers and then maybe they were separately in the military and maybe they had another job in the military. But there are a lot of lawyers who have military service, either past service where they're veterans or maybe past plus current service where they're still in the reserves.And those people will apply to be ALJs, administrative law judges and social security. They'll hire people in their fifties, but they'd rather hire people in their forties so that they can train those people and then have those people working for them for 20 years instead of 10. So I noticed when I was working for Social Security, a lot of judges in their early to mid forties, a lot of judges with military service and if whatever branch of the military they're in, that means they're probably.Going to be fairly physically fit, probably they're not gonna have substantial health conditions because substantial health conditions usually keep you [00:49:00] out of the military. And so you get these young fit judges who like to get up at 5:00 AM who have multiple jobs because they might be judges, but they're also in the reserves and maybe they like, you know, go volunteer somewhere and they go to the gym for two hours a day.So they're physically fit, they're mentally fit, they're really active people. And then they have people coming in front of them who don't have a college degree, who have been working a really hard job where, you know, like construction work, working in a warehouse or nurses' assistants. Or like delivery people.I mean, sometimes we're at a gas station and we see like the pre, the people unloading drinks into the cooler and we don't think about how much they have to lift on a daily basis. Cause they're constantly lifting these [00:50:00] cases of beverages onto these carts. Mm-hmm. and people who have jobs like this, you know, where you're doing that 50 hours a week after 5, 10, 15 years, at some point you're either gonna have some kind of acute injury or your body's just gonna totally break down over time.And people come in and they're, they're in pain. Maybe that means they're on narcotic medications so they're not able to fully concentrate. They maybe have mental health impairments as well cause they can't work. So they're anxious and depressed. And these like, you know, super, the fittest people on the planet are standing up there.Sitting up there cuz they also have a sedentary sit down air conditioned job. Right. And they're literally passing judgment. Over people who have had a life that is totally different from theirs as far as education, upbringing, where they live, what kind of childhood they had, what kind of job training they've had, what kind of job opportunities they've [00:51:00] had, what kind of medical situations they're in, their lack of ability to get treatment.They have no health insurance. The judges have federal employee health plans. And so you get people, these judges who they're just, they're looking at people who they, a lot of times they can't identify with at all. And they're saying things like, well, I can work. Why can't that guy, I can't tell you how many times I heard that.When I would go and let's say the judge says it's the denial. And I look through the medical records and I go to the judge and I try and convince them that they should change that to an approval. Cause I can do that. The person writing the decision talks to the judge all the time. Talk through the evidence, talk about what they're seeing.Hey, maybe we should change this decision until it's signed. It's changeable. And I would go to talk to the judges all the time about like, look, there's this medical evidence and I, I think this guy has these opinions and I think that maybe we should consider paying this case. [00:52:00] And I would hear things like, well, I can work.Why can't he? Or, you know, I, I, I come to work, I, I I commute an hour a day each way that guy could do it. He's fine. And these aine statements that are detached from reality. And that's where I think the, the personalities and the upbringing and the medical situation of the judges comes into play. And I have observed that as judges get older, as they themselves experience certain medical conditions that come with age, like.Oh my, I threw out my back. I need to have back surgery. Or, you know, maybe now I, I, I hit 50, now I need glasses and I didn't use to before. Or something happens medically in their lives as they age. And you do, I, I would see that the judges start to get more sympathetic over time. They start to understand [00:53:00] pain, frustration, lack of mental acuity and they start to be able to sympathize more with the stories that they're being told and to say, yeah, you know, actually now I do believe this person, this person is 55 and, and they worked in a warehouse for 25 years and they threw their back out.And I can see on an MRI that their back is totally destroyed, and they're telling me they're in too much pain to work. I now have back pain myself. So now I get what they're saying. And so that does cause this disconnect between these like young fit judges who kind of come in swinging with denials and older, more seasoned judges who I think tend to be more sympathetic to people and have higher pay rates raise.Their pay rate tends to go up over time. De'Vannon: Okay. Okay. I'm gonna [00:54:00] ask you Spencer: So can I, can I just say one thing? Who your judge is, is something that you can't choose. You as I talk about in the book, there's certain things you can control and certain things you can't control and you can't control who your judge is.And the reason that's important is I wrote the book because I want people to understand. How to get through this process, regardless of who your judge is, regardless of how much of you know, how, how mu, how much difficulty the agency is gonna put you through everything that I've talked about so far.Let's assume you get every single one of these barriers put in your way. I want you to know what all of these barriers are so that you can navigate them. Even a low paying judge, that young fit military judge, maybe they're a 20% payer, but if they're paying 20% of their cases and they have five hearings today, that means statistically they're still gonna approve one of those five people today, right?And so I want you to [00:55:00] know how you can gather the right medical records and present the right case and h and have the right representative sitting with you and work together so that you can present to that judge a situation, a story. Where even the most hardcore, low paying fit military judge says, yeah, that's a pretty good presentation.I think we'll approve that one. I'll use my discretion to deny the next floor, but I don't feel like I have any discretion here. And that's what you wanna do, is you wanna take away that discretion. You wanna make those judges feel like There's nothing I can do about this. This is a solid case. I'm gonna approve this one, and I wanna give you the tools to be able to do that.And that's why I wrote the book. De'Vannon: So, so you mentioned it um, a 20% or so. Talk to us then about the like the approval rates and kind of like how these [00:56:00] judges are rated. And then I want you to tell that story about that one judge who they you know, I think they took like her telework away and they gave her like extra training or whatever.Spencer: Yeah, so the, there is, as we talked about earlier, you're not only a person, you're also a statistic, right? And so headquarters, cuz they're getting pressure for members of Congress and to testify, testify in front of congressional committees. And then that pressure just makes its way down the system to the individual judges.And so if the agency wants to pay fewer cases, if they're getting pressure, Hey, we're paying too many cases, let's pay fewer cases. And that pressure makes its way down to the judges. They're also pressured to pay fewer cases and they're, the judge will tell you, I'm an independent decision maker and I can make whatever decision I want and I'm not bound by any prior denials.And all of that is true and every judge has the authority to [00:57:00] approve any specific case. But they also are looking at the 50 cases for that month and thinking about how many. Do I wanna approve this month? Because I know if I approve too many, I might get hassled. And I knew a judge and I worked for a judge that had a fairly high pay rate and he kept getting hassled by, by his superiors, by the, the higher ups within the agency who basic, they didn't tell him you're paying too many cases because like they don't want that on the front page in the New York Times, right?But they would say things like, we think maybe you need extra training. Maybe you don't fully understand how our agency works. Maybe you don't fully understand the definition of disability, so we're gonna give you extra training. And they would like make him sit through hours and hours and hours of extra training that he didn't wanna do.That's annoying. And that's a pressure point, right? That's a way of [00:58:00] saying like, you know, we're gonna make you an offer. You can't refuse. You, you start denying more cases or there's gonna be consequences, but they don't use the word consequences. And yeah, as you said, I wrote for another judge and they took away her telework.People like working at home, we found that during the pandemic, right, and the judges can work from home, especially during the pandemic, when all the hearings, with telephone hearings, there's no reason why they can't work from home. And that my job, just writing and reviewing your medical records, which are all on the computer, we can all work from home.And so the pressure point for that judge, they knew she liked working from home. So that pressure point was, you do what we need you to do, where we're gonna take away your telework. And so while the judge tells you they're an independent decision maker, you have to understand that they're looking at your specific records, but they're also thinking about themselves.The judges are human. They're thinking about their, [00:59:00] their salary, their health insurance benefits. They don't wanna get fired. They also don't wanna get transferred. They don't wanna be hassled. And so, you know, they're public servants, but of course, even public servants are thinking about their own wellbeing and their own job and their own families.And so when that pressure comes down on them from above, they're gonna, they're gonna react to it and and a fairly reasonable way and in the way that the management wants them to. So that does also happen. I wrote a lot of favorable decisions when I worked for Social Security. I, I just wanna make sure as we get near the end here, and as we conclude, I want people to understand I did write a lot of favorable decisions.But I noticed certain things about those cases. I noticed how well those medical records were put together, how those medical opinions were worded, how those representatives that represented those people presented that case. And so I know with this large [01:00:00] sample size of cases, I have some idea of the things that work, even with low paying judges, the things that can work to get an approval and the things that don't work or the things that people don't do that they should do when they're presenting their case.And so, and that's, that's what really made me say, I need to write a book. I need to get all this knowledge that I have on paper and out to the general public. Because some of this isn't necessarily publicly known information, but it's not necessarily trade secrets either. Right? The law is a certain way and the law defines disability a certain way.And a lot of this is just education that social security doesn't provide you. They're not telling you how to present your disability case, but over time, I've seen the things that work. And so I wanted to present this educational guide to let people know, here are the things that you can do to [01:01:00] present your case in a way to give yourself the best possible chance of success.De'Vannon: And I think you've done quite well, you know, a very good job at doing that. Talk a little bit about like, especially for veterans, you know, since I'm a veteran, just to kind of like talk about that a little bit, you know.Spencer: So just we can cover that real quick. The, the way the VA decides if someone's disabled is different from Social Security because the VA is not only looking at whether your medical conditions are connected to your service, whereas social security doesn't care why your impairments occurred. They are.But the VA also then asks about whether what your fitness is to return to some kind of military duty. And so there are a lot of veterans that will get a hundred percent service connected rating because their impairments are connected to their service and they're found to not be able to return to whatever their military duty was.Asks, can you [01:02:00] do any job in the national economy? And so there are a lot of judges who will see a hundred percent service connected disability for a veteran and just say, okay, that's enough for me. I'm gonna find them disabled. But I wrote a lot of denials for people who at 80, 90, a hundred percent service connected ratings.And it's because even though they couldn't do military duty, they could do other work in the national economy like being a cashier and. There is somewhat of a disconnect between the definitions and the two systems, and that's why it's really important for veterans or military families to also understand how social securities rules operate.Because you can't assume that just because you're a veteran and that maybe your judge is a veteran, you can't assume that's gonna help you out. Actually, again, I wrote decisions for judges who are veterans who looked at a veteran claimant with a hundred percent rating and said, well, I'm a veteran and I can work, so why can't he [01:03:00] and denied those claims.So you have to know the system, you have to know the rules, and you have to know how things work within the Social Security disability system. You can't just assume because you're a veteran or because you have a hundred percent rating that things are gonna work out well for you when you get in front of the social security.De'Vannon: Okay, well there you have it. Y'all's website is visions publishing.com. The social medias of Facebook, Twitter, , Instagram. Of course, all of this is going to go in the show notes, as it always does. So as always with my guests, I'd like to let you have the last word. I thank you so much for your time today, Spencer.Are there any final closing remarks you'd like to say? Spencer: I just wanna say we, we've gone over like the first part of the subtitle today, right? A lot of why it's so hard to access benefits. But I just wanna conclude on a more positive note with the second half of the subtitle, which is what you can do about it.There are specific strategies, there are ways you can get around things. At the [01:04:00] beginning I talked about how Social security will send you to see this doctor who's being paid to say you're not disabled. Well, there are strategies that you can use to counter. That you have to go to that exam. But there are ways that you can get evidence to counteract that medical opinion that do work.There are things that you can present in your medical record or ways that you can testify at the hearing. There are strategies that you can use to try and convince even the lower paying judges that you're not disabled, that you can't work full-time, but they're not things that you would necessarily think.For example, people think like, oh, if I try and work part-time, that might hurt my disability claim. It actually helps your disability claim. So if someone's a disability claimant and you see them working, they might be working because they're representative has told them, this will help your disability claim.And I explain why that is in the book. So don't make assumptions and don't take anything. Social [01:05:00] Security tells you at face value. They're not there to help you. They're not on your side, they're not on your team. They're. They're really there. The Social Security disability system is trying to keep people out and trying to deny as many people as they can so that they can have those benefits for people who are collecting retirement later on.So be your own advocate. Get your own information, educate yourself, hire a good representative, and use the strategies that I'm teaching you about and they will. I can't guarantee you'll be approved, but I can say that these strategies are what you need to give yourself the best possible chance of being approved, even if you get a lower paying judge.De'Vannon: All right, there y'all have it. The name of the book is Social Security Disability Revealed, why it's so Hard to Access Benefits and What You Can Do about It. Thank you [01:06:00] so much, Spencer. Spencer: Thank you for having me.De'Vannon: Thank you all so much for taking time to listen to the Sex Drugs and Jesus podcast. It really means everything to me. Look, if you love the show, you can find more information and resources at SexDrugsAndJesus.com or wherever you listen to your podcast. Feel free to reach out to me directly at DeVannon@SexDrugsAndJesus.com and on Twitter and Facebook as well.My name is De'Vannon, and it's been wonderful being your host today. And just remember that everything is gonna be all right.  

One Shot One Quill
E53 The Horse, Of Course!

One Shot One Quill

Play Episode Listen Later Jun 23, 2022 16:35


Sorry this one's so late, I (Spencer) was in Alaska trying desperately to figure out where they shot that movie Brother Bear. Also my wife was there and it was technically a honeymoon. This week's episode is a tale of demonic invasion at the behest of a meddling archeologist! One Shot One Quill is a weekly tabletop podcast where we brainstorm quick and easy adventures based on your suggestions. Each episode is centered around a user-suggested premise, and two items that must also be included.

The Military Money Manual Podcast
#30 VA Home Loans with Rich Carey from "Rich on Money" - Using the VA Loan to Buy Rental Properties, How to Buy 30 Doors Before You Leave Active Duty, and Why Real Estate Is the Last Investment You Should Consider

The Military Money Manual Podcast

Play Episode Listen Later Feb 28, 2022 54:31


If you want to learn how to set yourself up to purchase your first rental property, check out my book The Military Money Manual: A Practical Guide to Financial Freedom. Available now on Amazon, Kindle, Audible, and my website. On today's episode Spencer and Jamie welcome Rich Carey from Rich On Money Website YouTube TikTok Topics we address today: VA home loans for primary residences that you can turn into rental properties when you PCS The 1% rule for buying rental properties and then 50% rule. Your profit is not mortgage minus rent! You must include expenses as well. How to set yourself up financially to be in a position to get into real estate How Rich purchased dozens of homes remotely and 30 doors by the time he retired from the military The systems Rich built to automate his property management What Dave Ramsey and Rich Carey disagree on The downfalls of the VA loan in a seller's market (like February 2022) Why short term rentals like Airbnb aren't Rich's cup of tea If you can use a VA construction loan for a new home build Why Rich doesn't recommend LLC structures for most military landlords Why Rich doesn't recommend any books on real estate investment This was a great episode! Jamie and I (Spencer) both learned a lot and we hope you will too.

Benzinga LIVE
Stocks Making BIG MOVES Today

Benzinga LIVE

Play Episode Listen Later Oct 13, 2021 62:46


Episode Summary:On the Benzinga Power Hour, Spencer Israel and Aaron Bry are breaking down stocks making big up moves and down moves. Stocks Talked About In The Show:VMEO, PLUG, BB, SNBR, JAGX, HSDTGuests:Dane C. Andreef, President & CEO Helius Medical (NASDAQ: HSDT) 14:00Lisa Conte, Jaguar Health (NASDAQ: JAGX) 28:00Trung Pham, CEO, RYSE 45:00https://www.helloryse.com/BENZINGA CANNABIS CAPITAL CONFERENCEThe premier gathering of cannabis entrepreneurs and investors in North America returns for a 2-Day Hybrid Event on October 14-15.Speakers will include $SNDL and other major Cannabis Companies, register HEREHosts:Spencer IsraelTwitter: https://twitter.com/sjisraelAaarn BryTwitter: https://twitter.com/aaronbry5Subscribe to all Benzinga Podcasts hereClick here for BENZINGA TRADING SCHOOL Get 20% off Benzinga PRO here Become a BENZINGA AFFILIATE and earn 30% on new subscriptionsDisclaimer: All of the information, material, and/or content contained in this program is for informational purposes only. Investing in stocks, options, and futures is risky and not suitable for all investors. Please consult your own independent financial adviser before making any investment decisions.Unedited Transcript Hey everybody. How are we doing? Welcome to whatever this is. Let me Spencer that there's Aaron. And, uh, maybe you should we get the power hour started. It's hump day. Happy Wednesday, everybody.CEO. Jason Razak here with us. The man, the myth, the legend Skeeter shifts on the power hour with us live today. Interesting different innovative companies. You are alive. Power hour, Jessica.Oh, yeah. How are we doing everybody? Welcome to the power hour. We got a lot going on today. We got three guests on the dock. First up. We'll have Dan Andrey from Helios medical on and around 15 minutes or so Lisa county from January Hoff at 1230 trunk fan, the CEO of arise. This is an interesting company.They're not public, uh, but you can still invest in them. I'll tell you all about that at 1245, but I, I heard a, B made some trades. We can talk about those trades in a second. Uh, before we do that though, let's do a quick crypto update. If we can, we'll bring the heat map up on the screen. AB uh, I like white, whiter shades, right of red.I don't like darker. Of of, uh, of right. I like the wider shades of red. It's better than, uh, better than being full red. So Bitcoin's slightly in the red today down half a percent or so if you're in kind of the same story, um, Binance coin, it seems like I don't have to claim climate is having a good week here.Let's let's let's let's give it, let's see if I can bring up, um, here on coin market cap, Binance coin in the last week is, uh, well last week, cause I'm only Bitcoin more than eith um, mark up a lot more than most of the largest crypto. So I'm go Binance coin. Hey, abs and trivia for you. Alright. Ready? Some from crypto trivia for you, what percentage do you think of all the Bitcoin mined in the world?Uh, it was mine in the U S in July, um, 18%, 18, no higher 29. 54. No, not quite that high 35.4%. And this is according to the university of Cambridge. They have a crypt, uh, a Bitcoin electricity consumption index. As you can see there on the map, China, big fat block, a gray because it's zero because it's illegal.Get it. Got it. Good. Good. But anyway, uh, as a result of that, a U S uh, share of Bitcoin mining has increased dramatically. So we've got that going for us, which is nice. As a reminder, you don't have to mine Bitcoin to get Bitcoin. In fact, you can get Bitcoin for free $50 worth. All you got to do is download the Voyager app funded with a hundred dollars.Uh, use the offer code zing, make your first trade and upon doing all of that, you will get $50 in Bitcoin for. On the Voyager app. It'd be when's the last time you made any, uh, crypto related trades? For me, it's been when I bought salon like a month or two ago. Um, I actually sold some of my crypto, uh, probably about two, three weeks ago.Maybe it wasn't really out of any, um, you know, I, I want to sell this or anything. It was more like I have this money in this account and I kind of need some cash right now. So yeah, I sold some, uh, sold some card dominoes, sold some Ethereum, but right now a theory I'm is actually my only crypto, uh, holding.I see tokes and trades in the chat talking about sheep Sheba and every day was she, I don't know she was up again today. It's all I know. Yeah. Spencer, let me go ahead and pull up my screen. I'll talk about a couple of the trades that I made today. Um, you know, so I know we talked about that. I should, I shouldn't be buying options.I should be selling them, but I did buy some more options, but luckily, today they are working out. This is kind of my Yolo Yolo trade account. Not that big as you can see only about two grand in this Robin hood account, but, um, the portfolio is up 17% today. Spencer actually 1738, shout out Fetty WAP. Um, and now it's 1767.So this morning I put these, uh, I bought these $170 calls on Baba that expire next Friday, October 22nd, man. Um, and Baba. So I bought them like probably right around here, nine, 9:40 AM. And now, uh, Baba has been ripping all day. So the, the concept, what was the thought process behind the. Well, so, um, Baba, Alibaba has been, the stock has been showing, you know, relative strength against the market over the past.Um, you know, weaker, if you look at the past week, it's up 10%. Right? I know that. And I'm asking them why today. Uh, that's a good question, Spencer. So why today we saw yesterday kind of actually, uh, it wasn't a great day for, for Baba stock. So w when I S when I look at a long-term chart for this, which on, on Robin hood here, you can't really, you know, not, not the best for looking at charts.I see this continue to go higher to, you know, there's like $190 level, but Spencer, as we know everything, can't go straight up. So basically on any kind of like dips or, or days where the stock underperforms, I'm going to be looking to making trades like this, because my, my thesis is that it will, um, you know, then subsequently outperform the market, the following.So I'm probably going to bomb out of this one here this afternoon. I mean, the contracts are already up about 33%. I'm out this afternoon. Yeah. I mean, there's no reason to hold on to it this afternoon.Well, that's, I'm up 33% on this trade. Um, the, uh, the other contract I, I bought yesterday afternoon was a roadblocks call, um, and kind of something, you know, similar yesterday was a pretty strong day for roadblocks. Um, and it was showing some relative strength against the market. Um, from a technical standpoint, it looked like we definitely were going to go into, come up at least to this $75 level.Um, but as you know, Spencer, I'm not a pure technical or a pure fundamental trader. I kinda, um, you know, just do a hybrid of everything. And so if something aligns, if the technicals look good to me and I liked the company, like I do roadblocks, um, and it shows showing me a good entry point that I don't mind getting in on some of those option contracts.So, um, these ones are actually up. Uh, more than a hundred percent from when I bought them yesterday. So nice little return on those roadblocks calls. Well, I did. I'm glad you said that because I did sell, so you can see yesterday I bought five contracts for $245 today. I sold three of them for 2 34. So I basically got my money back minus, you know, $11 and I'm letting these other two contracts kind of run for, you know, maybe a day or two longer just to see what they do.Nice. Nice job, man. I mean, you, you made two profitable trades in the last couple of days. Take the money run. Good job. Good on you. Yeah. Thank you. I mean, you know, we've talked, I've a question. How long was it between when the idea first occurred to you and when you actually made, made the trade? Not very long at all.I know, but are we talking like 10 minutes or are we talking like. I mean, I have all these stocks that are like constantly on my watch list. Alibaba and roadblocks are definitely on there. And if I, if I, you know, see one that's like underperforming or outperforming the market and the technicals look like, oh, this is a good entry point.I could make that trade in less than, than two minutes. You know, it's as simple as, as picking an expiration date and a strike price. Got it. I got it. I see. I always like chastise you for buying options, but the truth is I really need it, like need to do. I could probably do well. If I traded around some of my longer term positions with via options, it, they just require you to babysit them a little bit.And I don't have the attention span during the day to do that. Um, so I don't know, but man, good for you to, for, to take the money run there. There was also this Q at, well, I dunno if I so. These were up. I saw his soul. I only bought three contracts, so it's a little harder to like sell some and keep some, um, but let's see, I bought them for $73 and they're $71 right now.So, uh, but I did sell one for 95, so I made profit on that one, but I should've sold all of them, I guess. But yeah, Spencer, I mean, you know, if you have a long-term position that, um, is up 20% in a month or something, maybe you want to buy a couple of puts on that just to, just in case it goes down and you're already holding it.I mean, I'd probably rather sell some calls to, to, to get paid for something, but, um, uh, yeah. Yeah, you're right. You're right. I totally should totally should hae a nice job with you. There's a couple of stocks I want to touch on real fast before we get on in a few minutes here. Oh, let's pull up the chart.This has been thinker pro. Whereas my chart was my chart. There it is. Uh, I guess Vimeo here. I just had it in the newsfeed. They posted their September, some, some monthly metrics from September, uh, this morning. Uh, and I guess they're a revenue growth, uh, of 33% subscriber growth, 14% average revenue per user ARPU eight, uh, 16%.These are all year over year numbers. Um, that's interesting cause this subscriber growth number actually slowed and it looks like so anyway, w th the, the, the stock, which I always forget, Vimeo is public. I always forget Vimeo is public. Anyway. It's had his best day in, in a while. This has been pretty much straight down since it wasn't IPO or direct listing.I want to say it was an IPO, um, and pretty much straight down. And since that happened in June, so, Hey, I would probably sell this. I wouldn't buy it up here. I would sell this rip, but I thought this is notable because it's the best day. I think that the stock maybe has ever had on a, on a percentage basis.So, um, all time low yesterday, and today you're up 13%. Th this is a company that I've used before. I, I don't know, like the long-term thesis for it as a, as a stock. So I, I'm not invested in it or anything like that. Um, but yeah, it's one of those companies. What, like you spend through that? I always forget is public.Yeah. What about sleep number SMER? Do you see this one today? Uh, down 5% and this looks, this chart looks down right. Scary to me. Cause you just fell below whatever floor that was in the $90 area or whatever. And I love the low nineties. You are firmly below that now. Um, and we're going to, it looks like we're going to go green for the year.Uh, ready for the. And this thing. Yeah, we opened, we closed at 2020 and at $80 or a, uh, 80. What does that? 83. Well, we'll call it 80, right? Eighty, eighty one. That's what we were closed last year at we're 86. Right now. This is looking downward. It's scary. This is not an inflation hedge beds. Yeah. Spencer, I don't know if you remember a couple of weeks ago, I was actually getting, uh, I had trouble getting a bed delivered and it was from sleep number.No, I don't remember this. So I had an order out with sleep number to get a bed delivered and, uh, you know, first day comes around. It doesn't end up coming. They, you know, I called them that this was the most annoying part is I didn't know. They didn't call me saying like, oh, we're gonna have to cancel this delivery.It's not going to come today. I had to call them and like inquire, inquiring choir. Then finally they're like, all right. Yeah. It's, uh, we're not gonna be able to deliver the bed today, whatever do they say why they said they were missing apart and then the next part? Yeah, I don't know. And then the next day it wasn't like, it wasn't like just the mattress like they were doing.I guess there's some parts to that. And then, so, so I, you know, express my frustration naturally we schedule a subsequent appointment maybe for the next week, the next week comes and same thing happened is happening again. Well, actually this time I called like kind of preemptively, cause I'm like, Hey, just making sure the bed is going to come today between nine 30 and 1230, like we said, and they were like, oh, actually, like we had a computer error.The bed is not going to come today. So two times in a row, the bed isn't coming to me, mind you, I'm sleeping on an air mattress. Um, the company did offer me. They're like, yeah, if you want to go buy a temporary mattress, we'll, you know, rebate you anything up to $400. So I was going to go out and buy like a $400 mattress from Walmart or something, get them to pay me for it and then return the mattress.But I never got around to doing so. And finally, on the third time they did deliver the bed. But at that time I was like pissed off and I was looking at, puts on sleep number, trying to short it, but the stock is just not very, uh, volatile or liquid. So there weren't a lot of good contract options, but now I'm wishing I did.Cause it sounds like if this was like a month ago and I would've made that trade, I might be looking pretty nice. And how long ago was that? So it was like a month ago. Oh man. All right. So it sounds like they're having some, just like everyone else. Supply chain concerns for beds apparently. Right? Gavin pillow sources and components or, or maybe even just getting, getting deliveries done.Um, Well, all right. I didn't know. I didn't know any of that. I know, I know we've cause cause there were mornings where like I wasn't in the office cause I was my bed's supposed to get delivered and that was one of the many running problems with my apartment. But that was one that isn't really on the apartment more on or on sleep number.All right. Um, Hey, our next guest is here and I want to bring him on, uh, cause he's got a couple of thoughts. He's got a couple of things he likes interesting. Um, I think our next guest also has inflated in addition to his own company. I think he's also got inflation on his mind here based on some of the things he just dropped in our, in our, in our private chats.So let's get Dane age refunds from Helio's medical, bring them on. And right now, Dane, good afternoon. How are we doing today? I'm good. Spencer, how are you? I'm good. You must be thinking about inflation. Cause you said you like gold. You like natural gas. You're like uranium. Well, you know, pretty much everything's going up in price, uh, food energy.But if, if, if you'd like the old school, you know, gold Nat gas, uranium, uh, I'm an old 20 year, 25 year veteran of, of hedge funds. I used to run money, uh, for Julian Robertson and, uh, you know, th these names are just starting to explore. Um, on the Nat gas and uranium side, but the goal, uh, golden silver really have been left back, um, along with helium medical technologies, which I'd love to discuss.Um, since that, of course I want it real fast. It's one to Paul, but I just a random uranium chart. Right. I mean, uranium has been one of the high, uh, uh, highest flyers, uh, this year you can go there and go to the you U U or whatever, but, um, yeah, I mean, just uranium, so, okay. actually the CEO of, uh, UVC, uh, uranium energy.Um, his one child Ashley was on our device. Um, he's got a cerebral palsy child and, uh, uh, he was treated with our, uh, devices. So, uh, okay, so interesting. So tell us about what Helios is working on. Helias. Uh, the technology came out of the university of Wisconsin in the late nineties and into 2000. Um, it is, uh, it treats, uh, basically a very common symptom across CNS central nervous system, uh, diseases like Ms, like stroke, like traumatic brain injury, uh, cerebral palsy.Parkinson's you name it? So basically what we're treating right across that spectrum of indications is balancing gait. So most of, most of these patients, uh, can't look left, can't look right without losing their balance or walking forward or going up and down stairs. They just, th they just have a very low quality of life because of the balance and gait deficit, uh, due to these weather, chronic, uh, diseases like Ms, and, uh, and potentially stroke, uh, but also trauma with a traumatic brain injury.And we are the only company in north America right now with a cleared, uh, therapy or ponds device therapy, which I'll talk to, uh, in traumatic brain injury. There is, uh, by health Canada. So we're treating, uh, we've treated well over 300 patients in traumatic brain injury. Uh, it clinically and commercially in Canada, right.Sure. What exactly is the device? Like what is the device? So this is something, you know, in a, a great case. Uh, it's the ponds, uh, neuromodulation stimulator. So I think Tim cook and Steve jobs, uh, would love this device. Uh, let me open it up real quick. Uh, nice handle. But if you open it up and you have a smart device controller, if you could see that and the mouthpiece, so basically I'm going to take the device, the smart device there, uh, which is our controller and then plug in the mode piece.Um, so basically it plugs in right here and the mode piece goes on top of your tongue. Whoa. So 20 minutes a day, twice a day in combination with physical therapy to, uh, improve your balancing gait. Now, w we're we are cleared by the FDA since March of this year for gait deficit in Ms. Patients. Okay. So there's a million Ms.Patients and growing and, and 41% of them have gait deficit. So it's a massive problem in a very chronic well advertise well-lit disease. So that's going to be our first commercial launch in the us, but in Canada, since, uh, late 2018, we are cleared for, for balance deficit due to mild, to moderate traumatic brain injury.And then last year we got our second, uh, clearance approval by health Canada in Ms. In detail. So, and the big news that came, uh, in August of this year, we got our second breakthrough designation device by the FDA. It was granted imbalanced and gait dysfunction due to stroke. Now, stroke is massive. It's seven times greater than Ms.As is TBI. There's 7 million people living with chronic stroke. Uh, 80% of them have gait deficit of balance and gait deficit, and that's chronic stroke. There's also subacute and acute stroke where there's 800,000 new strokes a year 80% of them go right into rehab. So this is not enhanced rehab. It's a ponds therapy with our device.You said the stroke that was in Canada, that wasn't hen. Uh, no, we just, uh, garnered our second FDA breakthrough designation in all. In stroke. So that was the us. So right now what we need, uh, is a pivotal trial for stroke, which we are starting to develop as we speak so very exciting times for such a small company.Okay. So, uh, you're approved, uh, in the us, uh, for only, I guess, a couple of use cases do just Ms. Right. Um, but you're working on getting approval for CP or yes, we have data in CP. Uh, we're going to have data on Parkinson's, uh, in the near future. We also believe, um, we're going to have, uh, a pivotal trial for our second traumatic brain injury trial for balancing gait deficit as well.So we could be the only. Uh, a company that could be, uh, approved in the, in the U S by the FDA and TBI. Uh, and that would be probably 20, 24. Uh, and, and what situation on just like production, like you have the MTA clearance for one, for one thing and the us, but what, what about we haven't commercialized any candidate in two years, we're in 33 neuro PT clinics.Uh, we use key tronics up in Minnesota, publicly traded company as our OEM to manufacturer our controller and our mouthpiece. So, so basically w what transpires here, when we stimulate the tongue, uh, Spencer, uh, in combination physical therapy, we have 143 gold-plated electrodes on this mouthpiece, and it's twice a day for 20 minutes in combination with physical therapy.So basically we are gently stimulating the tongue. It feels like Champaign pop. Or do you remember pop rocks? I don't know if you're that young, the candy. So that's how, that's what it feels like on your tongue. So even when you take your index finger and just touch it, you are stimulating your brain that goes right through your, your, your, your there's 10.And so what's the, the idea is that what it just like improves balance. So basically, uh, you know, if you, if you just sit on the couch with our device, yeah. I have this in your mouse. You're not going to improve your balance and gait. It doesn't work that way. It's in combination. It's like learning to ride a bike again.So you have, you don't have a hundred percent of your balance and gait deficit like you and I have right now, when you have one of these chronic diseases, you have this common symptom in Ms. Or bounce stuffs and then TBI balance deficit in stroke. Same thing, you know, you can't get up without falling. You can't go up and down stairs.You can't look left or turn right without losing your balance. So this is a big deal and it really affects the quality of life for most of these patients. Of course, a lot of them can't go back to work if they've had a TBI. So you, um, it's always interesting. Whenever I talk to someone who like had a career in, in, in one field and left it for another, cause you, like you said, you may have money, you're a professional money manager and then you left to become the present CEO.Yeah. So, so, so Y so, so yeah, basically I, when I, uh, uh, the, uh, maybe partners wound down became a family office, we started doing more private and public. Really in healthcare. Um, and I, uh, I started investing in Helios a few years ago, joined the board. Hopefully I can help management, uh, steer their way through some of the financial issues, compensation issues, and so forth.And just using my background, uh, of, of really being with management teams for the last 30 plus years. So when this opportunity existed, when Helias basically needed a new direction, uh, from, from, from the senior level, um, I volunteer and in August of last year, I started as the interim CEO, I did something special.Um, I took no compensation whatsoever for about 11 months, no salary, no stock option, no cash. And then basically, you know, from then on, I start building up the new team, I helped bridge the company financially in two deals. I've been investing in every deal, uh, you know, myself and my family owned well over 9% of this company right now.Um, we just brought in a new CFO, Jeff Matthiessen from the board, um, as well as our new chief medical officer, um, who who's a KOL Ms. Expert neurologist as well. And then the head of sales and marketing came from leaving Nova, which is the biggest neuromodulation company, uh, in north America right now. So of course from our chat, uh, before we wrap up here is the treatment.I presume it's a temporary improvement. You have to keep using it. Right. So right now it's a 14 week treatment, uh, twice a day for 20 minutes. Uh, in combination with physical therapy, your first two weeks are in the neuro PT setting. The last 12 weeks. Um, you do your exercises at home and you come in once a week and you, we download your, uh, data with your PT and we look at your progress and improvement.So, so right now our data, you know, is, is, is really for short term only, but we're looking to get a longer-term data as well. We have it. In traumatic brain injury, we did a wash out. Uh, it, it was excellent data and that garnered our, our first clearance by health, Canada and TBI. And then I guess, like what, what are the, um, uh, the best you can provide, like a timeline on, on, on when you'll get the FDA clearance for anything, everything you want to get clearance for.Yeah. So it's all about expanding the label of this platform technology. So first and foremost is Ms. In the U S we're looking to do a pivotal trial and stroke. Uh, we're looking at probably, you know, first half, first quarter, 2024 for FDA clearance in stroke. So, you know, and we're hopefully also get a parallel pathway TBI as well.So to do all this for the next two years, Is is a massive lift, but it's a, it's a fantastic lift. The testimonies that we have coming from our clinicians, from our patients in Canada, the, the, the technology, the therapy, the ponds therapy works. It truly works. And it changes people's lives. Their quality of life improve.Uh, their there's so many positive side effects to this therapy. Um, I just can't make claims, uh, you know, but we just hear a great story. I, I wouldn't want you to make claims anyway, they couldn't be backed up. And Andrew, if he's the CEO of Helios medical, ticker chart up on the screen game. Thanks a lot for coming on today.Thanks, Spencer. Alright. Bye-bye Hey, AB where'd you go? My man, come back to me. I'm right here, Spencer. You were just killing it on the interview. So I did not want to, I know, I know what happened. You stepped away to go to the bathroom. Yeah. Yeah. That's. I got you. Anyway. Um, well, yeah, Spencer. So as you mentioned, we got a pack show today for three guests.That was our first one, Dane and drift and drift. Um, we've got another exciting biotech company coming up as well. Spencer, Lisa county, and I see her here backstage from Jaguar health Jaguar. She bring Lisa on. Let's do it. Spencer. I've always wanted, I love seeing Jaguar Jaguar with a British accent. I bet you that's how it's pronounced.We can ask, we can ask her. Maybe we should, let's get these on. You want me to do it? Oh, there she is. Okay. Well you say good afternoon. Good afternoon. I just heard the end of that conversation and it sounded very similar to ours label expansion for an initial indication, not making claims outside your initial indication.Right? Right. So tell us about what you're working on and what your initial indications are. And then we'll, we'll go from. So while we're working and we do all plant based drug discovery, some plants that are used traditionally from the brain forest. And we did take our first product from a tree growing in the rain forest to a first-in-class FDA approved drug called my Tessie.And it's a drug for gastrointestinal symptoms. It normalizes gut function. And it's initially approved in people living with HIV aids and has multiple follow on indications. One of which is in phase three clinical trials right now for cancer therapy related diarrhea, which is the biggest side effect associated with cancer therapy and affects everything from dignity and quality of life.All the way to outcome of the patient's cancer therapy, because the interruption with the gastrointestinal distress causes patients to take drug holidays or reduce their dose, or even change their life saving therapy. And then there's multiple other follow on indications, IDs, IDD. We have a rare disease and short bowel syndrome.So it's a real pipeline within a product. Where w what is the market size here? We're talking to anybody with any sort of gastrointestinal problem. Eventually as we get to all the different indications. So right now our label, for example, is only in people living with HIV aids, it's a chronic label, chronic administration.Um, and then we're going for cancer. We'll need to do an additional clinical trial for Uribel bowel syndrome and additional clinical trial for Crohn's disease, inflammatory bowel disease. So one by one, we'll be able to get to all the patients in need around the world. How long do those trials take? Well, it depends.Um, so the cancer trial is where about, um, nine months into it and it will be completed about one year from now. It's about 250 patients. It's very interesting. Literally my Tessy. So it's the product in the same dose, the same formulation that we have in commercial use right now for HIV. So when we think about risk management, most new drug applications fail because of a safety issue or a manufacturing issue.We obviously already have the supply chain worked out and we have a chronic indication. So for example, we have two year carcinogenicity. So it's a matter of conducting that pivotal trial and risk reduction for us. It's spending a lot of time with the FDA to make sure we have discussion and agreement on that pivotal trial design on enrollment criteria, endpoint definition, which will define where you're going to be able to make your claims and promote.So you don't finish the trial, have a successful trial. And the FDA says great. You know, if only you looked at one additional thing. So anyway, the bottom line is each additional indication is probably about a two year. So, well, in this case, we're looking at like the next catalyst for Jaguar health being like a year out from now.Well, not the next catalyst. That's the, that is a very big, important catalyst because you asked about the size. So there's diarrhea is the number one side effect. We cancer therapy and there's nothing that's been tested and approved specifically in that indication. So what do we know about, of supportive care in Canada?Um, chemotherapy induced, nausea and vomiting. And that is a market that is expected to be the third party analysts about a $3 billion next year. And you typically take those agents for like the first three days of the chemo cycle, whereas diarrhea with targeted therapies, these therapies that patients stay on chronically to stay in remission for years at a time is occurring, you know, every single day.So that's a huge indication in terms of the number of patients, the impact we can have on their life. And of course the revenue that results from that, but near term catalysts. Yeah, we have the brand name is my Tessie. The generic name is and is getting ready to be launched in December of this year. As under the trade name can Aaliyah for chemotherapy induced diarrhea in dogs under a conditional approval from the FDA, because it's, it's called mums, which is like an orphan designation to get products available to animals in need.And in this case, dogs in need and dogs are remarkably predictive of the human situation. The way our product works in the gut is highly conserved in the physiology of the dog. Gut and dogs typically get many, um, human designated cancer agents. So we're very excited and, and that's, you know, a relatively small market compared to the human market, but a very important market.And it's a very near term, um, event for the. And so Lisa, you mentioned that, um, you know, diarrhea and kind of, you know, some stomach problems are one of the main, um, side effects of cancer treatment. Um, so, so with this medication also help with weight loss. I mean, I assume the two are associated, uh, wait, not with a receipt, what it does, this is not a claim.Uh, but when patients are. You know, getting dehydrated because that's the thing of diarrhea, like cholera, for example, what kills you, not the Colorado infection. It's the dehydration that occurs from that. Ultimately organ shutdown, et cetera. So when you're not dehydrating, you're maintaining your weight.And we have had patients just say to us, you know, this is lovely. I don't, you know, I don't have a sunken face anymore. I'm able to maintain a healthy body presence. That's not a claim that we have, but you know, you could just imagine from preventing the dehydration, right? So, so by preventing the, uh, you know, diarrhea and those effects, you'd be, um, you know, retaining more of that hydration that.And, you know, another, another indication that we're pursuing, which is going to get to what you're thinking about short bowel syndrome and the intestinal failure associated with that. So this is another near term, uh, um, event in the company. So short bowel syndrome, we have about an intestine that's maybe 20, 25 feet.So short bowel you'll have less than five feet, maybe as little as 30 centimeters, it could be congenital. It could be due to cancer necrosis. It could be due to an accident, but normally what's going on in your gut. You have the secretions coming in and then you have the absorption of the nutrients. Your proteins, your carbs, your fats, your vitamins, your minerals.And if you have a short vowel, you don't have enough time for those to be absorbed appropriately. So that's an indication that we're pursuing initially in Europe, because we have orphan drug designation here in the United States. We have filed for orphan drug designation in Europe, and that has been accepted the application with orphan drug designation.In Europe. We have the possibility for an accelerated conditional approval. You can get it into those patients sooner. And the thought is that you're giving them more time by normalizing the secretions, which is the mechanism of action of or giving them more time to absorb the nutrients of life and reduce the morbidity.And also, unfortunately, the mortality associated with that indication and that is being funded. With our European subsidiary Napoli, you merging with a spec in Italy called the dragon spec, and it's all filed right now with the Italian government and should be consummated in less than the next month. No, that's no, that's interesting.All right. So we got SPACs we got Italy. Uh, why, why, why go that route? So again, we wanted to be in Europe, right? And, um, for what I told you about the conditional accelerated approval opportunity for an orphan designation. So we licensed the parent company, Jaguar or Jaguar. However you want to say it, uh, did an exclusive license for the European rights to all the indications of profile Ameren.It's a typical license agreements. So there's benefit to the parent company of an upfront payment milestone payments, Royal. And that clinical data that will be generated in Europe is available for the parent organization to utilize in the United States. We try as best as possible to pair our clinical programs with, um, non-dilutive financing.So one way to achieve non-dilutive financing in this situation was for the subsidiary Napa. We used to be funded by a third party, and there happened to be a dragon SPAC in Italy. Why Italy? Because Italy is the only country where a spec can name their target company. Well, they're raising their money as opposed to the way it's typically done.Yeah. Italy is the place where that happens. Did you know that? I did not. I mean, we probably should know that Spencer considering, you know, we're in this field, but maybe, maybe Chris and Mitch are our resident spec. Experts knew that, but, um, I did know. Well, I think that would be a game changer. Imagine if that was the case in the U S if you can name while you're raising your money from your pipe investors, you can say, Hey guys, you should come to because a year from now we're going to go buy this company.Or we think, oh yeah, happy, happy Muhammad in the chest saying investors to low. Never mentioned that maybe next time he comes on the show. He'll, he'll, he'll talk about that spec process. Um, but I mean, I feel like a lot of times here with the specs where they're not allowed to disclose it, like oftentimes it's rumor and I, I sometimes it's kind of like one of those, uh, you know, trial balloons situations where I think they like purposely let it leak and see how the responses, but who knows.Wow. Yeah. At least you just taught us all. I saw new today, blue my house. Yay. Do it my best. Yes. Years ago, I don't know. Let's say 5, 6, 7 years ago. Italy was the second most active market in specs for that very reason. Um, it cooled off for a bit when maybe some of the spec sponsors were little too generous with their return to themselves.Um, but far spec spots. You're kidding. Right. Oh man. Do you have an, another connection to Italy outside of that? Lisa, we do have another connection that we have very interesting looking at the plants behind you, Spencer, the largest plant like tree based GMP manufacturer in the world is in Milano, Italy called in Dana.And they are, um, scaling up to be our second or our long-term large-scale, um, plant manufacturer. We've worked with them for over 25 years and in fact, they just did a nice investment in Jaguar, in the parent. Well, I, I will pass her compliments to the chef. I'm not responsible for these decorations here. I I'm stuck at home in, uh, uh, quarantine right now.So I'm sorry, this is what I've got. I got, I got what I got, what I got. So I'll pass her compliments to the chef on that, uh, for the chef or the chief that to, uh, Lisa Conti is the CEO of Jaguar health. Um, joining us today on the, on the para or Elisa. Uh, thank you so much for stopping by. We would love to have you on again.Uh, as we get closer to those, uh, the, those next catalyst. You got it. You got it. Thanks a lot, guys. Have a great rest of your morning, Lisa man, we're doing the specs wrong in the U S I think is I think we need to let these come. Can you even imagine. So essentially let's back this up for some maybe if any of our audience members don't understand the kind of difference.So essentially, and correct me if I'm wrong here in the states, you have a special purpose acquisition company, a quote, unquote Blake blank check company. That's raising money from investors to then go buy to take another company public, right? So you actually, you have two years, so you raise your, you go out and you raise money from investors and then you IPO that company.But your company is not, it's just a blank check. It's a shell company. It doesn't, it doesn't do anything. And you raise money with the idea that within two years from the second we IPO, we have a two year clock. We got to buy, we got to use the money that we raised to buy another company. Um, Otherwise, we have to return that money to all the people that invested in this back in the U S you're not these specs.I'm not allowed to talk about their targets before they have a deal. I apparently, generally, that's not the case. You can raise money with the intention of saying, Hey, we are going to do that. You should buy, you should invest now because we're going to buy X company down the line, which so let's say I'm going to, I'm an Italian spec.Oh, oh, we kind of lost you for a sec, but you're back. So say I'm going to Italian spec called I spec Italian spec, and I'm raising money. I can say we are raising this money in goals of taking Ferrari public or. Well, what'd you say? Or, or, or Benzinga, or Benzinga w we, you know, we can, we can say our target now here, where if you say you look at, um, I can't even think of like, uh, uh, one of the specs, like the, uh, actual spat, like Northern diamond peak holdings there there's diamond peak holds you don't know there are rumors, but you don't know for sure that diamond peak is, you know, targeted and Clover health or whoever it is.Yeah. Um, coupon boy brings up a good point in the chat. Us can say, what sector are they targeting? That's a good point. And they can, so a lot of times people will, uh, you know, infer like, oh, this company's raising money in the healthcare space. They're going to target a Clover or whatever it is. But, um, I, yeah, I know Ferrari is already public.I was just thinking of an Italian company off the top of my head. I w I don't know, maybe another Italian company, um, uh, Oh, wait, I think I was going to say natala, but I think they got bought by a guy who owned with Hela. I think, I think there's mandolins. I forget somebody big owns Metalla anyway, um, IPF discord.See, I feel like there are some where it's like very like clear what the, what the company is. Um, what's the one, the one that's going to take apex public. It's like Northern, uh, something apex clearing bad close yet, or no, no, that didn't close yet. I guess that's let's search and that's the best part of the crows you can search for it.I think it's like fitness V or N T S Northern store on investment. Yeah. Yeah. Apex FinTech. So the only reason that that's like out there in the public is because they, the deal's already been in now. Okay, here we go. Now we got, we got the real spec expert in the check. Chris , the filing was a mobile game deal that happened this way.We w we got a lot of knowledge, a hundreds Kurt community. Uh, I needed to tell I was all my son born. They're owned by forever. Thank you. Which was like a family, family business. Thank you, Andre. Andre must know knows his confectioneries. Uh, thank you, Andre. Thank you, Chris. For dropping. Yeah. Okay. Thank you.Gucci, another Italian company, their name, all the Italian companies. Uh, anyway, Chris catchy today, we learned that SPACs can name the targets ahead of time as the raising money in Italy. And, uh, we thought that was fun. So, um, yeah, I mean that, you know, we all learned something today, so I'm not very often.We do back to that biotechs interviews on the show. Probably not something we'll do a lot of, um, Let me, let me let you in on a little secret though, these biotech companies, um, are very easy to book, right? They love talking about, about themselves. They're very, they're, they're very responsive. That's why you may see some, a lot of biotech companies get, uh, some press because they're very easy to book.So, uh, some inside baseball there, but, but thank you to, uh, to, to Jaguar and, and Helias today. We were supposed to have a third guest. Oh, I see him here. So our third guests, this is interesting AB this, uh, we'll, we'll bring them on in a second. Um, his company is not public, but that does not mean that we invest in it.So Spencer, if, if you know, for some of our audience out there, if you're a big fan of the show, you tune in with us, you know, day in and day out. Um, I had my good friend Julian on the show a week or two ago from, from core connects. And essentially what core connects does as Julian explained was they helped set up private companies that are raising money, either through reggae or reg CF, um, you know, which just allows retail investors to purchase shares of private companies before they go public.Um, and core connect sets up the technology to allow these companies to do so, uh, you know, directly with that company. So instead of having to go to a website, like start engine or something like that, um, you can go straight to the company's website and invest in. And, uh, Trung fam who's coming on right now.He heads up one of these companies. He started his own company called rise. We're going to get to talk to trunk about that. And core connects is, you know, has set up the technology to allow investors like us, like you and I Spencer, to go straight to RISE's website and purchase shares of the company before it goes public.Uh, you know, for hundreds of years, however long people have been investing in retail investors have not had access, uh, to purchase shares of private companies like this. So this is something that's kind of new and exciting. All right, that's good. That's good. Strong on here. Truong. How are we doing this?This beautiful Wednesday. Hey guys. How's it going? Was I, can you correct me? Was I incorrect in everything I said there? No, no. Everything you said was correct for sure. All right. The way there's a first time for everything. Goodness. All. Alright. Trunk, tell us about rise. This is interesting because there, uh, There are some big players that are.Tangentially related to you. So, so tell us what you're working on. So we're in the smart home IOT space. We create a little device, as you can see on the screen there, and I'm holding one up in my hand, and it's essentially a smart home device that you Mount on the window frame, and you're able to motorize and automate your existing window shades.So the problem that we're so solving today is that most window coverings in the market they're manually controlled. And once you install them, you can never automate them again. You'd actually have to replace them with brand new motorized shades. So we came up with a suite of devices that allow you to motorize your existing window shades and blinds.And, um, no, we're a category within the booming smart home market. Um, you know, over the last few years you see a lot of exits by some of the large players like Google buying nest for 3.2 billion and Amazon buy and bring recently for 1.2 billion and so on and so on. So there's a lot of, um, activity in the smart home space.And not only that. Even though we're a smart home device to motorized shades. We do target the much larger and lucrative commercial market. And, um, when we're talking about the commercial market, you know, there's a huge opportunity for energy savings and that's, what's really appealing, appealing to these partners that we're with working with, where they're able to save a substantial amount of energy just by passively opening and closing their shades to, you know, one reduce solar heat gain and reducing cooling, or to, uh, reduce indoor lighting use.And, and that's really, um, that's really our focus as a company. So can, um, can you set this on like a timer automate it? Yes. So you could set a schedule. So if we're having open at 7:00 AM every morning and then close APM gives you that extra privacy, uh, if you're heading out of the house and your window shades, you're opening, you forgot to close them.You can do that remotely through the app. You can connect it with Google home, Amazon Alexa, apple home kit. So the primary smart home players out there. Okay. Marshall side, we create customer API integrate. Okay. So, so trunk, I imagine, you know, there are a lot of commercial real estate companies out there that might have an ESG focus.You know, as you mentioned that, you know, this device from rise can help with energy savings, uh, is that a potential customer, you know, like big commercial, real estate companies that are creating big office buildings that you can say, Hey, you can put one of these in every office in this building and it will help you with energy savings.Yeah, definitely. So, um, we actually received a $4 million Canadian clean tech grant to develop our second gen. Built on the requirements of the commercial partners required. So we're working with a few large commercial players, hotels, office spaces, and whatnot. And, um, you know, they actually had very simple use cases.They wanted, they wanted us to lower the shades during evenings or weekends. Why? Because especially during the weekends, they usually don't have tenants in the office. And what happens is that if the window shades are open, all that sunlight during the summer is coming in and the HVAC system is cooling an empty room.So it's just wasted energy. So just by lowering the shades during these times, they block out that solar heat gain and reduce that inter cooling requirements. And, um, they could save a substantial amount of energy up to 24% in cooling and 74% enlightened use. So, so obviously, you know, Tron, you are targeted.You, you know, this is a smart home, um, appliance, I guess that's the right word here. You have seen what happened. You mentioned already you saw what happened to Google nest or nest. You saw what happened to ring with Amazon. Is that like a logical end point here for you? Uh, definitely. So when we think about the type of company we want to become and where w we'll end up, I think, um, the most ideal exit would be an acquisition by a larger player.Um, I'm not going to say it's going to happen. Um, obviously I can't predict the future there, but, you know, we are positioning ourselves to be an attractive, uh, exit attractive, acquire, an attractive target. Um, and you know, just like reading, they have the, the, um, potential of YPO and I believe we have that potential to, but I think at the end of the day, we are going to be one of those companies that another big player just comes up in a.Well, what can you say about your, your, your sales and revenue right now? So today, uh, we've generated over 4.5 million in sales and that's all audited. Uh, today it's probably closer to 5.5, um, on audited. So how many devices, how many devices that like w w it retails for 1 49? So it's well over well, over 35,000 devices today sold, we just began shipping our second gen and we are launching.Um, so this product works with anything with a B to chain or cord loop. So the traditional window shades and blinds, but we are creating a device for drapes and curtains. Um, a lot of the whole top artists that we're speaking with all have drapes and curtains for, you know, art purposes and whatnot. And, um, that's a retrofit, um, smart drape solution.And, uh, we'll, we'll be doing a formal launch, um, hopefully before the. Okay. Does rice have any, uh, you know, patents on this technology that would kind of prevent, say, you know, a Google home or Amazon to go out and developing their own, the automated blind system? Um, so it's funny. Um, when you speak about Amazon, um, we invented this concept, so we have four fully issue patents and a number of more, uh, patents pending.And, um, you know, when you create a physical product like this, a hardware product, you're going to get copycats coming out of China left right. And center. Um, but because of our patents, um, we actually have an Amazon court judgment victory. And what that allows us to do is that any time a copycat pops up on Amazon, we follow an Amazon.If they kick the seller off. And, um, many times I get these long letters from the seller apologizing and whatnot for infringing on the patents, but our pans are that strong. So, you know, anytime you might see a copycat, they might be there for one or two days, and then they automatically get removed because of our patents per time merged with a solar panel.That's all sorry, probably so proton from our chat says you should merge with a solar company to have your have shades that provide solar power. Um, I've seen other solutions like that. Um, we're not focused on that yet. We're focused more on the IOT connected devices space. Um, yeah, the, the whole idea of solar and generating energy that's that's beyond how long has it taken to bring this product to market?How long has it been developing for? Well, um, our first gen, uh, we began R and D during 2015. It took us about two and a half years before we actually got to market. Uh, that's includes, you know, prototyping going through production for the first run testing, all that kind of stuff. The second gen took a maybe only a year to develop.So we've, we've improved the whole product development life cycle for us. Um, so trunk backing up to what kind of, when you, when you first had this idea and started the company, I I'm sure you had, uh, you know, critics that were saying like, yeah, this is a good idea. You can't make a whole company out of, out of this.What, what, what did they, you know, get wrong or see wrong that you kind of saw differently at the time? Um, well, I have a finance background, so I actually did a whole analysis on the industry. And you have large players like Sofie they're publicly traded $5 billion market cap. They focused on motorized shades.Um, they, the leading player in the marketplace today and they only talk to the 10%, uh, because their solutions, uh, must be purchased with the actual window shade. We're talking to the other 90% of real estate asset classes that already have window shades installed and may not want to replace them, may want a retrofit solution.So you can imagine how big the opportunity is on the retrofit side. Um, and not only that, uh, solutions by Sofie boots on the ground, some of these other larger players, they're $500, a thousand dollars per. Ours is $150 product. So it's a much more affordable price point. The real estate developers and landlords are attractive to it because they think about payback period.They think about, well, I'm not going to install these neutrons because they're going to cost me, you know, a hundred thousand dollars for a hundred windows versus yours, but that might cost, you know, 15,000. So the payback period is much more attractive. Um, they could earn their money back from savings in under three years.Um, so, you know, it's definitely a bigger market and to allude to ring, um, you know, Regan was a great success story. Um, they sold video doorbell systems they're and they were in a highly competitive market. They're in the security camera market, but they dominated the video doorbell. And, um, what was interesting was that ring only sold to single family homes.There were a residential smart home player. They couldn't sell to multifamily. Um, they couldn't sell to commercial. They can't sell to hotels because their security system for residential. We don't distinguish and discriminate between the asset classes we could sell to any asset class, single family homes, multi-family hotels, commercial office in your housing.Is this a, uh, like as far as the distribution is, it's like a direct to consumer thing. Are you in like home Depot or are you going direct to the manufacturers? I mean, so, um, historically to date, we've generated all our sales online, so direct to consumer online. However, next year we do have plans in place to be in retail.So you mentioned home Depot, um, and then, uh, B2B sales is something we're highly pushing forward. So speaking to these large real estate developers and landlords and pushing high volume sales, Trunk. Do you have any idea down the road, kind of what that makeup will be like kind of percentage wise of what percent of the revenue is coming from direct to consumer sales or single a single home families versus, you know, the more commercial real estate like?Yeah. So I'm speaking to our colleagues in the smart home space. Uh, like we talked to all the major players out there, all the big players that every one recognizes and we do know the makeup. Um, online is a very small portion. It's only about 7% of the market for us. So, uh, it leaves a big opportunity for us when we actually enter these other sales channels.Retail is about a third of industry revenues. So the Costco's the best buys the home depots. Uh, but the largest and most lucrative channel is B2B sales. So B2B sales to large real estate developers, landlords commercial office, senior housing, um, you know, those type of players. And, uh, that's eventually where we went to.Got it. Um, well, trunk fam CEO and founder of rise. That's R Y S E. I'm going to go ahead and drop that link in the chat. If anyone wants to go check out the website, see how you can become an early investor, um, trunk. Thank you for coming on the power hour today. Uh, thanks a lot. I appreciate it. And again, the, the offering page is invest dot hollow rise.com.Got it. Yes, man. Dude, the future is now we're going to have smart everything like I'm, I'm AB I'm like you, or I'm not going to be ready to buy a home for awhile probably, but like the home, the home that you and I do buy that first home, whenever that happens 10 years or whatever, like it's going to be insane.Like the amount of stuff. Shit. Well, think about it. I mean, look at one of those, you said it was like 150 bucks. We could go out and buy like a house that was built in the eighties or something, Spencer and configure it out to be a smart home for probably not that much money. And I think that would, that would, uh, you know, raise the value of the, of that home a lot.Um, he mentioned, he mentioned ring quite a bit there. I'm pretty sure it correctly wrong in the chat or correct me if I'm wrong. I think ring was a shark was brought up on shark tank and none of the sharks wanted to invest. Yup. Yup. I want to plug into another show for AXA for a second. If, uh, if you ever, ever listened to NPR, there's a podcast called how I built this and th th they're pretty good.Uh, some episodes better than others. Uh, they're pretty long. They're like over an hour. Um, but they talk to founders about how they built their companies. And the episode with ring with the founder of ring on the show was, and away the best episode of that show ever. It's a podcast. How I built this with the founder of ringers and his name is Jamie something.I don't remember his last name. J J what'd you say? Diamond fast. Kidding. No, uh, here I'll look it up. Ringing founder. It's Jamie, Jamie Siminoff I think is his name. Anyway, that episode was like amazing. If you want to listen to like someone who really like struggled to build this company, we like, like you said, went on shark tank.Didn't get a deal. Like really inspiring stuff. That's trying to be the biggest, uh, like maybe the biggest company period that's been brought on shark tank, but by far the biggest one that was on shark tank and then no one, I don't know, I haven't seen the episode, so I don't know if like they tried to get equity in it and the deal just, you know, it wasn't good enough.Or if they just all said like, and for that reason I'm out and it just missed that it's come a long way. When I was growing up this, the, the smart home devices was clap on clap off that's. That's what I was when I was growing up. And even before that, we've come a long way. You can automate your blinds and, and then some, okay, Hey, it's one o'clock uh, no.Get tactical today because Neil is in New York where you. Tomorrow on Friday for our Benzinga cannabis capital conference, our first in person events since before COVID started. So BZ cannabis.com to learn more about that, Neil will be back on next week, uh, for his show. Uh, we do miss him, uh, dearly, but so w w what we've got right now is a replay of the roadmap from okay.From yesterday. And then at two o'clock, we've got Muhtar bust. I'll be back on at three 15 through 20 is for, at, to close with Joel Al cannon. And, uh, that's what we got hit that like button, please. And thank you. Thanks to everyone on the chat. Thanks everyone for watching. No, no power hour rest of the week, because.As mentioned our cannabis conference that will be streaming as well for the next two days, starting, uh, tonight, actually. Uh, but AB good job. Thank you, Cameron. Thank you. Manny. Shelly, Chris proton. Happy everyone in the chat. Santo. Appreciate you. AB appreciate you go, go. Uh, do whatever it is you do over there and you keep tabs on the office for me while I'm not there over at out ski as David Greene would say, it's true to say that.Support this podcast at — https://redcircle.com/zingernation-power-hour/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

The Recovery Show » Finding serenity through 12 step recovery in Al-Anon – a podcast

This week we have an Al-Anon open talk by Randy K. I (Spencer) identified with a lot of his experience. I was particularly struck by his description of his “addiction”, and related closely to it. Upcoming topics include Concepts 8 and 9, your shared experience with intervention, and the non-drinking parent. Please call us at... The post Randy K Open Talk – Episode 124 appeared first on The Recovery Show.

Extended Weekend Radio Show
Extended Weekend Radio Show Podcast - October 24th '09

Extended Weekend Radio Show

Play Episode Listen Later Oct 25, 2009 60:00


Back to the shows usual format and bursting with massive tunes This weeks Extended Weekend In Session : Jay Newman (HiDE Host and Resident ************************************************************ This Weeks Full Show Track Listings: Fresh New House 1: DJ MOTO VS LUCARELLI FT. JENNY REN – TIED UP WITH YOU 2: MARC VEDO – STRING CIRCUSFEDDE The BIG 3 1: JAME TALK & RIDNEY WEST – WEST END GIRLS 2: MEDINA – YOU & I (SPENCER & HILL REMIX) 3: ANDREA PACI FT. ANDREA LOVE – KISS ME (SERGIO MAURI, RAF MACHESINI & KARIM RAZAK REMIX) Extended Weekend Mix Session - Chris knowles 1: SEB INGROSSO VS TOCADISCO – KIDSOS VS MORUMBI (BOOTYLEG) 2: SEB INGROSSO, LAIDBACK LUKE – LEAVE THE WORLD BEHIND (WHITE ISLE MIX) 3: IIO – RAPTURE (SLAMAIR EDIT) 4: SUNLOVERS – NOW THAT WE FOUND LOVE (MAIN MIX) 5: TEMPER TRAPS – SWEET DISPOSITION (AXWELL + DIRTY SOUTH REMIX) 6: TAPED - THE QUESTION (ALBIN MYERS REMIX) One For The Weekend 1: REFLEKT – NEED TO FEEL LOVE (ADAM K & SOHA VOCAL MIX) CATCH THE SHOWS RADIO BROADCASTS Every Tuesday at 9pm on Fuzion Radio http://www.fuzionrado.com Every Wednesday at 8pm on 1mix Radio http://www.1mix.co.uk Every Thursday at 8pm on Create Radio http://www.createradio.co.uk Every Friday at 9am on Lifted Radio http://www.lifted-radio.co.uk Every Friday at 8pm on TMRadio Russia http://www.tmradio.ru Every Friday at 9pm on Underground Flavours http://undergroundflavours.com Every Night at 9pm on Global Radio 1 http://www.globalradio1.com visit www.mattoakey.co.uk http://www.facebook.com/profile.php?id=1143302179&ref=name www.myspace.com/mattoakeydj

Extended Weekend Radio Show
Extended Weekend Radio Show Podcast - October 12th '09

Extended Weekend Radio Show

Play Episode Listen Later Oct 17, 2009 61:23


Back to the usual show format and bursting with Massive new house!!! Extended Weekend In Session - With Jay Newman (HiDE Host and Resident) ************************************************************ This Weeks Full Show Track Listings: Fresh New House 1: DJ MOTO VS LUCARELLI FT. JENNY REN – TIED UP WITH YOU 2: MARC VEDO – STRING CIRCUSFEDDE The BIG 3 1: JAME TALK & RIDNEY WEST – WEST END GIRLS 2: MEDINA – YOU & I (SPENCER & HILL REMIX) 3: ANDREA PACI FT. ANDREA LOVE – KISS ME (SERGIO MAURI, RAF MACHESINI & KARIM RAZAK REMIX) Extended Weekend Mix Session - Chris knowles 1: Seb Ingrosso Vs Tocadisco – Kidsos vs Morumbi (Bootyleg) 2: Seb Ingrosso, Laidback Luke – Leave The World Behind (White isle Mix) 3: Iio – Rapture (Slamair edit) 4: Sunlovers – Now That We Found Love (Main Mix) 5: Temper Traps – Sweet Disposition (Axwell + Dirty South Remix) 6: Taped - The Question (Albin Myers Remix) One For The Weekend 1: REFLEKT – NEED TO FEEL LOVE (ADAM K & SOHA VOCAL MIX) CATCH THE SHOWS RADIO BROADCASTS Every Tuesday at 9pm on Fuzion Radio http://www.fuzionrado.com Every Wednesday at 8pm on 1mix Radio http://www.1mix.co.uk Every Thursday at 8pm on Create Radio http://www.createradio.co.uk Every Friday at 9am on Lifted Radio http://www.lifted-radio.co.uk Every Friday at 8pm on TMRadio Russia http://www.tmradio.ru Every Friday at 9pm on Underground Flavours http://undergroundflavours.com Every Night at 9pm on Global Radio 1 http://www.globalradio1.com visit www.mattoakey.co.uk http://www.facebook.com/profile.php?id=1143302179&ref=name www.myspace.com/mattoakeydj

DJ JIM
DJ JIM - LIVE SET on Ufm 25.08.2009

DJ JIM

Play Episode Listen Later Aug 25, 2009 57:30


01. OLEG-OFF and JIM - School 02. Alex De Vito - Por Causa Do Amor (Rene Rodrigezz Remix) 03. Dj Viduta - Aram zam zam 04. Laurent Wolf - Walk The Line (Remix) 05. Splash - Out Of Touch. Belmond Parker Remix 06. Jackville - The Stroke (Hans O Matik Remix) 07. Yves Laroc And Guesta Project - Finally 08. Electrixx - Children Noize 09. gianni kosta - get the fuck 10. Komodo - All4you (Mrak & Koba feat. V.R DJ Rmx) 11. Medina - You & I (Spencer & Hill Remix) 12. Jean Claude Ades Ft. Rufus Martin - Electric Avenue (Houseshaker Remix) 13. Ben Preston - The Choice Is Yours (Poison Pro Made The Right Choice Remix)

live set koba hill remix medina you dj jim jim live i spencer
DJ JIM
DJ JIM - LIVE SET on Ufm 25.08.2009

DJ JIM

Play Episode Listen Later Aug 25, 2009 57:30


01. OLEG-OFF and JIM - School 02. Alex De Vito - Por Causa Do Amor (Rene Rodrigezz Remix) 03. Dj Viduta - Aram zam zam 04. Laurent Wolf - Walk The Line (Remix) 05. Splash - Out Of Touch. Belmond Parker Remix 06. Jackville - The Stroke (Hans O Matik Remix) 07. Yves Laroc And Guesta Project - Finally 08. Electrixx - Children Noize 09. gianni kosta - get the fuck 10. Komodo - All4you (Mrak & Koba feat. V.R DJ Rmx) 11. Medina - You & I (Spencer & Hill Remix) 12. Jean Claude Ades Ft. Rufus Martin - Electric Avenue (Houseshaker Remix) 13. Ben Preston - The Choice Is Yours (Poison Pro Made The Right Choice Remix)

live set koba hill remix medina you dj jim jim live i spencer
MuttonCast
MuttonCast 2009/08 Part.1

MuttonCast

Play Episode Listen Later Aug 9, 2009 126:31


01. Bad Boy Billy - Falling Anthem (Original Mix) 02. Tiesto and Sneaky Sound System - I Will Be Here (Wolfgang Gartner Remix) 03. ATB pres. Flanders - Behind (EDX Ibiza Sunrise Remix) 04. Alexander Popov and Feel - Time After Time (Chris Reece Progressive Dub) 05. Hook N Sling And Adam K - Working Kings Cross (Original Mix) 06. Luke Chable - Pressure (Original Mix) 07. Dave Angel ft. Pavinda - What Cha Gonna Do (Part 1) (Original Mix) 08. Incognet - Imagine (Arty Remix) 09. Muttonheads - Welcome To My World (Original Mix) 10. Life Express - My To-Do-List (Original LEctrotech Mix) 11. Cirez D - On Off (Original Mix) 12. Ricardo Reyna - Let Me Take You (Milton Channels Mix) 13. Alex Gopher - Handguns (Dada Life Remix) 14. Stu Foster - Roller Disqo (Original Mix) 15. Muttonheads - Shine Blue (Tamerlan and Djons Remix) 16. Michael Mind - Gotta Let You Go (Dutch Mix) 17. Tommy Vee - Stay (Thomas Gold Club Mix) 18. Medina - You and I (Spencer and Hill Remix) 19. Moby - Mistake (Dabruck and Klein Remix) 20. EasyTech - I'm The Sexy Girl (Peppermint Remix) 21. Armand Van Helden - Witch Doctor 2009 (Eddie Thoneick Remix) 22. Sneaky Sound System - Its Not My Problem (Thin White Duke Remix)

original mix tiesto atb alexander popov hill remix dave angel klein remix medina you eddie thoneick remix cirez d on off original mix i spencer
The Wood Cast
The Wood Cast # 38 (Mixed By Alexandre Hernandez)

The Wood Cast

Play Episode Listen Later Jul 28, 2009 107:59


01 - Stefano Frisoni - Trip (Original Mix) 02 - Utku Dalmaz - Apollo (Swallen Remix) 03 - Andre Sobota - Black pearl (Spektre Remix) 04 - Christian Fischer - Kolibri (Alex Young Dub Remix) 05 - Audiotravel - Chuck the plant (Original Mix) 06 - Mustafa Can - Black sheep (Original Mix) 07 - Prok and Fitch, Cevin Fisher - Mundo (Prok and Fitch Club Mix) 08 - Erphun - Pesadilla hermosa (Pig and Dan Summershine Mix) 09 - LYS, Chris Lake - La tromba (Sour Grapes Balboa Mix) 10 - Celeda - The underground (Abel Ramos Chicago With Love Mix) 11 - Dirty South - We are (Denzal Park Mix) 12 - Eric Laville - Rio De Janeiro (Laurent Pepper Remix) 13 - Massimo Santucci and Daniel Green - Strings of cesar (Original Mix) 14 - Eddie Thoneick feat. Michael Feiner - Don t let me down (Dim Chris Remix) 15 - Flanders, ATB - Behind (EDX s Ibiza Sunrise ReDub) 16 - Glamrock Brothers - Ma baker (Club Mix) 17 - Medina - You and I (Spencer and Hill Remix) 18 - Moony - I don t know why (Lorne Padman Christian Luke Remix) 19 - Medina - You and I (Deadmau5 Remix) 20 - DJs From Mars - Don t give up (Red Planet Remix) Productions et Dates Live : http://myspace.com/thewoodguys Alexandre Hernandez - Rattlesnake (Original Mix) OUT ON Juno : http://www.juno.co.uk/ppps/products/1413340-02.htm ; 45 Minutes, 12 Meses EP SOON, Fantasy (Alexandre Hernandez Minimal Groove Mix) soon on Evolution records !!!