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Title: Why the W-2 Grind Will Never Make You Wealthy with Jamie Bateman Summary In this engaging podcast episode, Jamie shares his journey from being a competitive athlete and military officer to becoming a successful entrepreneur in the field of real estate and mortgage note investing. He emphasizes the importance of discipline, teamwork, and taking ownership of one's financial situation in achieving success. Jamie discusses his transition from a W2 job to entrepreneurship, highlighting how he leveraged his experiences and strengths to build multiple streams of income. He shares insights about his current business model centered around mortgage note investing, explaining the differences between performing and non-performing notes, and elucidates the challenges and opportunities present in this field. The discussion also emphasizes the importance of long-term planning and learning continuously, making the case that discipline ultimately leads to freedom and flexibility in life. Links to Listen and Subscribe: https://podcasts.apple.com/us/podcast/from-military-officer-to-mortgage-note-master-one-mans/id1618672867?i=1000643495099 Links to Watch and Subscribe: https://www.youtube.com/watch?v=t6nU0TtMAFc Bullet Point Highlights: Athlete to Entrepreneur: Jamie shares how his background in competitive sports instilled a sense of discipline and teamwork. Financial Ownership: Jamie discusses the importance of taking ownership of your financial situation and actively seeking improvement. W2 Quitter: The transition from a stable government job to entrepreneurship reflects Jamie's journey of self-discovery and ambition. Mortgage Note Investing: Jamie provides insights into both performing and non-performing notes, illustrating how to generate passive income through debt investing. Value of Networking: He emphasizes the necessity of building a strong network for finding investment opportunities in mortgage notes. Continuous Learning: Jamie advocates for lifelong learning, suggesting that successful people always seek new knowledge and skills. Long-Term Vision: He stresses the importance of setting long-term goals and reverse planning to maintain focus on achieving one's aspirations. Transcript: Jamie what's going on brother welcome to the show thanks Seth this is this is awesome um I'm excited to be here and I'm hoping to add some value absolutely man third time's a charm we've been trying to get this scheduled after I was on your show which was fantastic had a really good time uh on that show and I think it turned out pretty good so I know we're gonna absolutely we're gonna deliver on this one as well yeah we're GNA try to try to I'll try to do as good a job as you did so yeah that was that   was uh yeah no I that was a very very good episode from adversity to abundance I would highly recommend your your listeners check that one out to your episode on that show so thanks for thanks for doing that absolutely man you're an incredible interviewer I've I've that's the only uh I've been on dozens of podcasts and you know you pulled out a lot of things for me that I've I've never talked about on the air so it's pretty pretty awesome pretty awesome show man appreciate that cool man well let's just jump right into your   background man what's your story um take it back as far as you'd like to brother yeah um man uh I'd like to think that life has phases so I've had a few different phases in in my life um you I come from a a large uh family I'm I'm the oldest of seven kids and we always had a competitive uh background as far as team sports and things like that so um I played lacrosse in college that was always a foundational piece of of uh my life and just kind of I think from there learned how to be a part of something   bigger than myself and how to work toward a common goal with a with a team so that's been something that's been a a kind of a thread through my life and then um got married and uh joined the military and um actually joined the military technically before I got married but seemed like I got married and then ran off and and uh ran away from my wife but it's not exactly what happened but uh joined the military was an officer in the in the US Army did I did miss my first three wedding anniversaries through deployment and   things like that um and again it was a matter of trying to be plugged into something you know to serve and be a part of something bigger than myself and trying to trying to add value like I think we all we all want to do um I've obviously glossed over a lot of lot of details but those were uh a couple of inflection points I guess if you will um like you like to talk about I know um and so my military career transitioned into uh a a career with the Department of Defense as a civilian and um did 14   years as a civilian with DOD at Fort me and the first half so the first seven for all you math whizzes out there uh was full-time and then the second half the second seven years was part-time and that seven years is when I was really building my businesses which are largely um real estate investing and mortgage node investing Focus so we can get into the details there and then in 2022 I ended up quitting my job and and um now I have a few different small businesses that I run and like you Seth I've got a got a   lot of different things that I'm juggling and uh you know so but yeah I love talking about taking ownership of of your financial situation and taking ownership of your your life really and um I know that you and I have that comment so yeah that's a that's a high level overview of my background awesome man I appreciate that that there's a lot to unpack there you know going back to you know playing sports all the way up to the Collegiate level that's incredible I always like to to think even playing like poporn or football   back in the day you need a way to instill discipline in yourself and I I that's kind of the the oldest memory I can think of where it was hard right like it was like you've got a coach screaming at you like back in the day it's like you know they wouldn't give you water unless you like you know for like an hour which I don't think they do that anymore now but you know you had to earn that drink of water and and all those sorts of things but you you really learned what it's like to to work hard and you really learned what discipline   was all about and I would say that and you can you can expand on this but yeah I would say that you know being in the military yourself that takes it to a whole new level right it's like you you you got that from Sports you got that from the military yeah definitely I mean obviously they're very different in a lot of ways but that is certainly a common theme is is being disciplined and um and people people shy away from that word um because it just sounds like work or or no fun and no flexibility but I found that having   discipline in your life ends up adding more freedom in a sense um because you kind of have your foundational pieces set in stone you don't have to think about those and so um yeah regarding team sports it's it's really a matter of um you know everyone doing their part right and so there's a level of individual discipline and um and then just and then also just kind of putting the putting the group ahead of yourself um obviously the you know you want individual there's nothing wrong with individual accolades and I I was   certainly uh chasing you know those individual accolades it's not something I shied away from I was you know I definitely was wrapped up in trying to be an All-American and um that kind of thing and and did get that a couple of times you know but it at the end of the day nobody really cares about that and um the way I viewed it was if I was doing my part and I got those you know if I was scoring goals in Lacrosse as an example that means I'm contributing to you know to the team right and so there's obviously a fine   line there but of going too far either way um but yeah that discipline is critical you know even C I played at a high level in college and and there was year round you're training you're you're uh you're into it it was a division three school but it but the reality was we worked just as hard as any any D1 program and um yeah it's it's a these are skills that have paid off and are absolutely transferable to the rest of of life for sure yeah I think you've got to get those those intangible things you've got to develop   them somewhere along the way whatever whatever that is if that's Sports the military or you know from your parents I mean you can get it from different places but you definitely need it I mean you know we're in different stages of our life at this point we're talking about a lot we like talk about freedom and flexibility and fun um to try to get away from kind of the W2 uh mindset but in order to achieve Freedom flexibility and fun in a successful way you had you have to be disciplined to be able to get   there you you had to have done something successfully to be able to get there or maybe what separates you from you know the guy living in a van down by the river right like that guy that guy has Freedom flexibility um I don't know about fun maybe fun but yeah but you know it's it's a different obviously it's a it's a different outcome yeah and I I I still I think I still need you know I still use a lot of discipline today it's still still required but it's I guess I guess it's self-imposed and um you know I just love   love having that flexibility and that freedom um that comes along with being an entrepreneur so yeah it's been a central piece to my success for sure um but I I I still I don't think it ever you know goes away I just get to pick and choose what you know what discipline I want to kind of enforce on myself I guess um so yeah absolutely and and and as you said I the military was a huge part of that for me as well I mean that's a different kind of different kind of discipline and different kind of teamwork and different you know if you   lose a lacrosse game okay you lost the lacrosse game but military the stakes are a little higher um so maybe certain things are more important attention to detail are crit is critical and um but at the end of the day it's yeah it's that the same principles apply across both I I guess sectors if you will for sure for sure so let's dive into that that transition you started working kind of part-time there for seven years so that seems like a transitional period how are you able to progress from you   know that W2 and what what I've heard you say is call yourself a W2 quitter and I love that um you know how were you able to progress from a W2 person to a W2 quitter what enabled you to do that and what that transition looked like I mean you know I do remember in 2015 probably a little bit maybe maybe say 2014 but I just you get you know I had a wife and two kids and I had the commute the long commute that I I know a lot of people can identify with so um it it just was Groundhog Day it was the same   thing over and over and over and that's not me sitting here complaining about my family or having a having the opportunity to work um but after a while it gets old let's just be real right so it's like you're sitting in traffic and I just you start looking at you know I was I worked for the government and you look around you say who okay who's sort of ahead of me on this like you like I I think you probably mentioned on our on your your show on my my show your episode um you look around to the people   who are more kind of Al further along the path than you you say do you want to be that person is that the life you want and man I did not want that and um it just just having that just super long-term just you know the pot at the end of the rainbow I guess uh nothing driving me in the in the interum man it was it was just it was brutal so I probably did a little woes me for a little bit there a little victim mentality for a bit but then you start to realize like okay if you don't take ownership of your own life no one's   going to right so no one's going to come in and do this for you so I'm not sure what truly you know created the change in my mindset but my mindset absolutely started to change and I just made a shift and I and I stopped watching cable news I stopped uh just you know stopped paying attention to all the things that I can't control and I couldn't control back then and and started saying no what do I have what are my strengths who is in my who's back to the team thing who's on my team who's you know who's in my   network that I can add value to and who can add value to me so I started looking around and um you know my father was a realtor for many years my brother was a loan officer I we had uh one rental property at the time and so and IID worked at a I didn't mention I worked at a title company and I worked for a mortgage broker before as well briefly so I had this experience that a lot of people don't have and that's you know that that doesn't mean I'm better than anyone it just means these are my strengths so let's point to that and   let's use that so I started really being intentional about focusing on my strengths and my assets that I had in my life right and then another asset that I used to see as a liability was the time in the car so I started listening to podcasts oh you know and and then it turned into wait I don't even want to go into work yet because this this podcast episode is amazing and I'm learning so much you know Bigger Pockets and all the other real estate podcasts and different investing podcasts and um started using   that mental bandwidth instead of focusing on National media stories that I have zero influence over uh here's something that I can actually take action on and so um in mid 2015 uh I I I went part-time and and just so happens that at uh DOD it's one of the few agencies in the in the federal government where you can go part-time and still keep your benefits so I still had health insurance for my family you know most people don't have that option necessarily but oh oh well I did so that's what I did and and um you   know that's uh again decided decided to start building my my other streams of income outside of my W2 um had my circumstances been different if I was single I probably would have just quit the whole thing right but I was able to have that kind of laded approach I guess or tiered approach to kind of ripping off the Band-Aid yeah yeah no that that that's awesome I love just the idea of of taking ownership of your your life right like everybody has those moments where they're feeling sorry fors um but but the successful people they   don't sit there and stay in that that mindset they they move on they you're going to be there sometimes but you've got to get out of and you got to say okay what what can I control what can I change and you don't say you don't give other people the power to control you and your mindset and how you feel about your life right like that's that's that's the thing like if if you if you're constantly blaming someone else or saying this happened to me rather what can I do to get myself out of it then you're going to be stuck there   forever you're you're going to be you're going to be spinning your wheels forever um and a lot of that I think helps because you said you don't listen you don't watch the news I don't either it's a waste of time what control what does that do for us it's if I do watch it I literally do it for entertainment and you look at it as an entertain I look at it like I'm watching sports almost absolutely I I look at it like this is funny like I can you know what I mean you kind of analyze like this is funny   this guyy saying this in a debate this guy's saying that it's not taking it as fact and news and this is how I should live my life because of what they're saying absolutely and it's not to say that none of these topics are you know important right I mean right Glo Global you know war or I mean politics poverty global warming whatever that's all very important but I have zero control over it almost zero right and then um you know the other thing is fear sells and that's that's what they're selling and so doesn't mean that every   story is invented and it's all fake fake news but it it just doesn't serve me and so I'd rather focus on you know go ground up and kind of uh you just I see it in people maybe older people in my own life now who maybe are retired and and they watch the news all day and it's like they won't travel because they saw a news story that the airports are packed or something and you know it's I'm sure that story was was accurate right but it but the but the news can filter out and and you end up only focusing on the negative really and   it just didn't serve me so yeah um during that La the second seven years I was able to build out my wife and I were doing single family real estate investing and doing a lot of the Burr method that maybe some of your your audience is familiar with uh um and so kind of putting that Capital back into the the rental property um machine and expanding our portfolio um and then eventually last year Well in in 2018 I made the pivot I kept the rental properties but made a pivot to also add on mortgage not   investing and that's been my primary focus as of late um and uh if you want I can tell the story quickly about how I actually quit my job in 2022 I I think it's kind of kind of a funny one absolutely let's do it all right so um I uh so two years ago uh I was playing bad mitton and um I'd been doing now mind you I used to be like tough you know athlete and like I did you know did Jiu-Jitsu for three years right up before this and you know used to lift Waits a lot and still do it here and there but you know I think I'm tough   right and uh ruptured my achilles playing bad mitton so that's an ego blow uh to add on to the physical pain that you know especially with the recovery so I ruptured my achilles a little over two years ago today and um I was out of work it was my right right foot and the reason I bring this up is not for sympathy but um to say you know I couldn't drive for three months so I actually yeah and I had tons of leave from from work and by this time I was tired really tired of my I was pretty much checked out like I think you you   might have been at your uh your big law uh job but um that's right I was I was checked out I mean I I wasn't the best employee at this point and so I took as much leave as I as I could you know reasonably right and so but couldn't drive and so I was out for three months and I come back so come back into work and I'd had discussions with my wife about about leaving it was just a matter of of when not if um I can tell you truthfully had no idea that I was going to quit this day but I came back in from   having been out for three months mind you no one gave me a call no one from work no one from my management gave me a call the entire three months I was out other than to say to ask me are you vaccinated because you have to be vaccinated to be to get inside the building now I don't want this to turn into some controversial vaccine discussion or get your your podcast banned from something but um yes I'd been vaccinated to to answer the question but no one asked me how's your how's your recovery going like how what   do you you know how's your life you know what's it's just are you vaccinated you need to get that shot before you come in okay great thanks I really feel welcome here so I'm already just you know you know what screw this place right um come back in and just go to my desk and this is this is an office space kind of thing where I go to my desk and there's some there's an a force kid at my desk and long story short they' kind of move me somewhere else without telling me I can't find my desk I finally find it   it's got a box with my name on it with you know monitors sideways and all and clearly not a functioning uh desk and um you know office space so I literally quit that day and I just say that it's just like I knew 100% I was done I my wife didn't know I was I quit but I I quit that day still worked for another month or two but I I was there was no question zero question in my mind I'm done with this place so uh that was March of 2022 and ever since then I've just focused on building out my businesses and having   looked back that's awesome sometimes you just know right like sometimes it's time you just knew I I love that story man for me it was a little bit you already know the story but you know for me it was a little bit more of someone else's decision I got fired I mean and men that you know you you weren't the best employee at that point correct you know I knew the same thing and it's great to have awareness and perspective and kind of looking back now you're like I would have done the same thing like this guy   doesn't want to be here his output isn't what it should be like nope he's got he's got to go I mean he's not he's not the best employee and and as a you know as a business owner now I can you know I have really good perspective of that and and seeing that and they did they were doing me a favor by being like hey like your heart's not in it is it and I'm like no it's not it's not yeah yeah the reality is for me it's really hard to work you know when once you go part-time I mean I knew I was casting a vote   against my career progression there so as soon as I went part-time in 2015 I wasn't saying I'm in this for the Long Haul guys this is this is my focus you know it's the writing's somewhat on the wall looking back it's almost surprising I lasted as long as I did um but so yeah uh haven't looked back and just love love the entrepreneurial you know day-to-day and freedom that you alluded to and and just the multiple streams of income and certainly has its challenges I I probably work harder now than ever   than I ever have um but it's by choice right so I love it exactly same here man I mean it's you know my my days are long I mean I I get up way before I used to get up when I when I had a 95 I worked past when I would have worked a 9 to-5 and it definitely more hours but when you're doing it for yourself and you're doing it because you're working towards something that you believe in yeah it doesn't feel like it's you're putting that much time in definitely I I wake up early a lot of days it's not not on   purpose it's because I'm just excited to get Kracken so yeah yeah absolutely yeah well let's let's kind of get into your current business I know you you had mentioned that you focused on your strengths and your assets um and you know I think it's important I'll just I'll just say it's important to take an inventory of what your strengths are when you're kind of considering going into something else um because a lot of our listeners are attorneys they're doctors folks like that they kind of feel like maybe they're they're pigeon   hold right like well if I'm not an attorney what the hell else can I do right like I don't know anything about real estate investing or node investing or starting a business or anything like that but if you really take a step back you you probably have a lot of skills that you've learned and honed in your career that you can use for something else moving forward and that was that's what you were able to do definitely and one thing I'd say is that um you know one thing that's always comforting for   me is nobody knows everything right so you can always find somebody who knows more than you in a certain area um you know there's one quote about every man is my Superior in in in something right so um basically it gets me a lot of comfort to know like just because an attorney listening to your show knows way more than I do about a particular topic and probably many many other topics that doesn't mean I'm less of a person or you know I don't know more than that attorney does in another area so it's   okay I'm never going to know everything there are other people who've already figured it out so um you know that's that's always comforting to me is and when I say look to your strength it's also looking to the people in your network who know and can help you get to where you want to go um so yeah I mean so many things we take for granted that we do know and um you know example when I started working at a title company fresh out of college because it was my first real job and it paid you know a a   salary um I realized quickly how little I knew about title insurance settlements you know just just basic stuff now looking back pretty basic stuff but you don't know that unless you work for a title company or you're heavily involved in this you don't you're not trained in that in school typically right so you know you forget and so your your listener out there the the attorney the doctor I guarantee they have a lot of life experience not just from their professional world but just life experience that that they shouldn't take   for granted and the fact that you can go through law school and then be you know Be an Effective attorney or go through medical school and Be an Effective doctor that that means you you can learn things right and so again I go back to life has Seasons I mean you've shown that in your own story Seth like you know um it's uh it doesn't mean just because I started a certain business doesn't mean that's going to be what I'm going to be doing for the next 20 years or just because I'm an attorney now   doesn't mean that's what I have to do for the rest of my life so we always have options I mean you might look back and wish you'd done something differently or something but you only have one chance at this and so you know you just make the most of it and and just keep I think keep learning constantly um is critical I I just hired a business coach we've had one call um but one of his motos is um you know one of his sayings is that he's always he's in permanent beta so he's always changing always improving he's always   growing so I'm trying to trying to implement that as well yeah I love that permanent beta I haven't heard that before but I like that I like that phrase like that phrase um so tell me about your current business tell me about mortgage node investing start with the basics um sure what is it yeah so and and I'll try to keep it uh there's so much to it but again none of it is difficult it's just a lot of moving parts and you've got to you know it takes time to learn um we buy debt so we buy a mortgage note   and that could be performing or non-performing the the real highlevel version is is um a performing note is kind of like a a long-term Buy and Hold rental property but you're buying the debt and becoming the lender becoming the bank if you will um and so you're buying that performing note for cash flow so I buy a performing note the barer now pays me through a loan servicer and I get monthly payments so that's a great way to go the the problem with that is you can't really add value to that asset very well you're kind of   it is what it is and in fact with mortgage notes the value actually goes down over time generally speaking because the principal balance goes down so it's just it's worth less than you know than uh you know than it would than it was when you bought it then on the other side the non-performing side of things we buy those uh as well and those are more like a Fix and Flip property so um although we're still buying the debt we're not buying the property but there's a chance to add value There's an opportunity to buy distressed asset and   add value to that asset and then sell that that non-performing note either well I should say sell that asset whether that's as a rep performing note or as uh through the the real estate itself there there are a few different ways you can exit a non-performing uh note deal and but but back to your kind of one of the the themes um thus far one of the reasons I got into specifically that space was that I understood the real estate space so I understood the single family residential real estate space so it wasn't a huge   leap for me to go from owning the property to now owning the debt on that property whereas it would have been a lot bigger leap for me to say oh I want to start buying distressed you know multif family debt um which I know you could probably help me understand better but that you know it's like incremental progress and and and change isn't that scary so I kind of expanded my um you know toolbox if you will and got into the mortgage note space so we have a couple of note funds one is open um currently and they're they're they're   all for accredited investors um and uh the the income fund that's open pays a monthly uh aims to pay a a monthly uh per referred return I know you and a lot of your listeners are attorneys so I got to hold the line here and uh so the fund is structured to pay uh to aim to pay a a monthly return uh of 8% it's not a there's no growth in that fund it's literally a cash flow play and um diversification play you're putting your your capital in we buy assets across the country we we've bought notes in in probably 25 States at this point   um and so the investment is Diversified across Geographic areas across borrower types and um you know we buy for a certain yield we take a small management fee and then we um ideally uh pay a pay the preferred return that we're aiming for to our to our investors yeah nice 506c you're able to talk about it it's uh ACC credit investors only just want to throw that out there um so yeah I mean so just going back to the basics a little bit and we'll get back into the fund like how do you how do you even   find these things I mean how do you get started how do you find these things so I mean that is an ongoing challenge I'm not going to lie to you that's one of the the things that truthfully a a passive investor who doesn't have time to to develop the network to go find these assets they're just not going to have success um you know they might here and there but it takes time it's a it's a word of mouth industry just like real estate itself is and um so we've built out a network of of Sellers and you know that could   be quite honestly I I've never had luck buying directly from Banks it's really either a larger uh mortgage note fund that's closing so it might be a three-year fund and then they've got to they've got to liquidate they've got to figure out how to sell off what to do with these assets um and so that's a great opportunity to buy is just a fund that's closing or somebody a note investor who's getting out of note investing or they've had a life change or something um you know where they just uh there's an opportunity to buy from   them as well um and so there there are other you know I guess we buy from hedge funds note investors other note funds um those are there are also note Brokers as well out there um there are also some online exchanges like paper stack and a couple of others that you can go and I've bought and sold on on paper stack and other exchanges as well um and you know you can you can find assets there um but at the end of the day we have our list that we list of people that we work with regularly and I would say one thing   is that doing due diligence on a note seller is just as important as uh due diligence on the assets that they're selling and so it's it's taken some work and it's it's a work in progress always um but it is the million-dollar question is where do you where do you find these assets yeah so that's that's the hard part right that finding these assets is the hard part um have you ever had to foreclose on on any of these notes and actually acquire the property and I guess a followup question is do you ever   look at a non-performing note like hey I actually want to own that property great questions yeah great questions um to be clear we're not trying to kick people you know Grandma out on onto the street or anything like that um you know that's not our our goal typically well that's never our goal but we're never trying to kick someone out of their home um but the reality is some people honestly need a little bit of a kick in the pants and often times that's not really the best them staying in the house is not often   The best scenario for them I know that might sound sound harsh but at the end of the day if someone can't afford to live somewhere sometimes these people are living in squal and they really need a change of of environment um to answer your question about do we target the property yes sometimes we do in fact we just closed on two they're called uh heckum loans or reverse mortgages where the borrowers are deceased the property is underwater meaning you know the the loan amount is high greater than the   property value and it should be a quick exit through the property so HUD will sell off these uh big pool of of reverse mortgages and we were able to purchase two of them very recently it's a vacant property you're not doing an eviction borrower is deceased you've got to work through the airs or or foreclosure um and get and exit the property that way um if your listener wants to go to my website I've got a really good um it's a Jacksonville blog post I've got a couple of blog posts about this deal I still hold this rental   today and it was a non-performing note that we purchased a few years ago and um I had no intention of exiting through the property or holding holding the the property as a rental property but uh running the numbers it just was too good to to let go and so long story but we we uh you know ended up doing a deed in Lee of foreclosure actually in this case and got the property back and now it's a long-term Buy and Hold property for my own rental uh portfolio yeah that makes sense that makes sense there's there's always   multiple ways to look at an investment right um but it does sound you know is not something that that I've executed on myself but it sounds like this is an active business right and that's why you've put together an income fund for people that want to get involved passively um because as as everybody knows there's active Investments there's passive Investments if you're going to do something active maybe your returns are going to be a little bit better but you're going to give up a lot of time and effort to to get those returns   um so if you want to go to the passive side if you if you're still full-time in your career you're you're a full-time doctor or lawyer or or whatever you are you know these passive Investments are the way to go without having to know every single detail about a new business yeah and I don't know if you can see this but I I wore this specifically for your for this show there it is there it is passive income um you're absolutely right you know these gurus some of the some of the node investing gurus out   there will try to sell you know notes as passive um we have another blog post that talks about uh just the it's a spectrum there's active and passive on either end but at the end of the day if you're gonna node investing in my world is very very active and we have a non-performing note fund that's considerably more active than the Performing note fund so um you're dealing with foreclosures bankruptcies deed and L tracking delinquent property taxes do I have to physically go anywhere no but it is not passive um but   that's why we offer the passive investment to for you know people who like you said have maybe more Capital than time or energy and they want to put that Capital to work that's right there there are certain gurus out there that you know whatever it is that they are pitching it's they they tend to always pitch it as as passive even though it is an active business whether that's ma money yeah whether that's a mortgage note or I mean people pitch Airbnb short-term rentals as passive they're like well you can delegate this and you   can you know you can automate that and there's software for all these things but you still got to put all that stuff together you've still got to monitor all those things you you've still got to you still got to oversee all these different aspects of a business and that's what it is it's a business that you're running and it's not passive like it's not it's not and and it is on a spectrum some things are more passive than others but when you're inves in you know as a passive investor into some sort of a   fund or a syndication that's really leaning really far into the the passive side absolutely 100% and I and I'm as you are Seth I'm I'm I'm I I assume you are I know you're an active investor but I I do have passive Investments myself in other other funds other note funds and and my own my own note funds as well and so nothing wrong with doing both but I would say you need to be careful about you know you got to make a decision at some point do you want to scale this thing and and make this really a   business or do you do you are you satisfied with potentially a little bit lower return and you are giving up some control but much you know much fewer headaches and just a lot less work right right yeah and a lot of you know a lot of the listeners are high income earning professionals so they've already dedic put a lot of time and effort into being able ble to earn this much money from their W2 and absolutely that's probably your best bet to be honest with you I've been there I was in those shoes you're   probably better off putting your head down like let's grind for a few years let's let's not spend every single dollar that we make on all the new stuff on a on a new car every two years or every year in a bigger house that you don't need like let's set aside some of that and invest it passively and then maybe one of those will stick maybe one of those passive investments will be a mortgage note fund where you're like man I kind like this business like I like the sound of it I've learned about it   and then you start maybe progressing on the active side and maybe that takes over and and you want to get into that as a as a business as an entrepreneur but um a great way to kind of dip your toe in the water is to become a passive investor um that's the way that I did it into you know multif family syndications I invested passively in a number of deals first and kind of learned about it learned the ropes and I'm like I can do this and then that's when I made the transition yeah definitely it's it   really comes down to what you what your goals are and what your situation is for sure I I'll say I was too passive initially when I went into notes um because personally I just don't you're you're you were probably a little better student Seth not that I was a bad student but you know I I invest unless I'm actively in investing you know I'm just not going to learn a lot so the reality is yeah it's fine to learn about the asset class you definitely should learn about the operator for sure if you're putting Capital with them but   you're not going to once you're getting your checks and your dispersements you're not going to probably learn a whole lot about how to do that on the active side and so that's what we're here for yeah yeah it's more of like a spark of an interest right like may you already have that spark and then you invest passively then you're like okay well now I'm invested like let me learn about this you have to you have to actively go out there and educate yourself and network and talk to people that are in the business definitely 100   per. all right man before we jump into the Freedom Four you have one last gold nugget for our listeners oh man um I would say within when it comes to investing um you know take the long-term view um don't chase immediate returns um you know I do think just yeah it's certainly we all want to make a million dollars tomorrow but I think it's it's play the long game when it comes to investing I think that's critical love that man all right let's jump into the Freedom Four what's the best thing you do to keep your mind body   healthy yeah I mean one thing that I instituted this year actually um is breath work and it's um you know it's so it takes 10 minutes um and per day for me at least and it's been phenomenal and it's something that quite honestly as a as a you know athlete back in the day or even in the military I would have scoffed at something like this to be honest with you because it's just you know it's not manly or whatever it's like it is phenomenal so uh breath work I mean I do other things for sure but that's certainly this year it's been a   game Cher for me I just feel like it resets my central nervous system and it just gets me focused and uh I know there are other physiological benefits that you can ask uh Dr Andrew huberman or somebody else about cool I have to look into that actually have I mean obviously everybody talks about it's a Hot Topic I haven't gotten into it I haven't gotten into that plus like the cold plunges and that sort of thing um but I really want to explore that a little bit I don't know how much you can cut this out if we   don't have time but I had a I'm just going to be be open about this I just had a you know in late December I got a viral infection like a neuro virus and then I had I had a what I think was a pretty severe panic attack and it was super scary and so that's why I started uh doing this and somebody on my team actually sent me a a I guess we'll call it an implement or a tool that uh I use for the breath work it's BL there's a Bluetooth connection to your phone and it's pretty cool so it's structured and   back to that discipline right but um yeah so it's there was a reason I started doing it and um it's it's so accessible five to 10 minutes a day you can start doing it so yeah very cool highly recommend cool thanks for sharing that man um with all your success what is one limiting belief that you've crushed along the way and how did you get past it um I think just uh you know being afraid to you know that you have to be perfect right so um I used to be an editor back in the day and so many things would just not get done   or not get completed within our team our organization um because it had to be perfect and and it's like I think as I've progressed into more of the entrepreneurial lifestyle and and uh it's just it's not a it's not an option anymore um so um yeah I think just taking action has kind of overcome that limiting belief of of of chasing Perfection yeah yeah I can I can I can agree with you there done not perfect um as you know my background as an attorney I mean we're we're paid to be perfect like we can't make mistakes especially   in contracts and the way that we write things but when you kind of make that transition over to being an entrepreneur there's too much there's too much to to be to be perfect you got you just got to get it done good enough absolutely good enough has to you have to be open um willing to accept that for sure y what's one actionable step our listeners can do right now to start creating more freedom so I'll use the military here you can um which is where I learned U kind of reverse backwards planning reverse   planning so literally just and I'm not going to tell you I'm perfect at this um but you know think about what create a vivid vision for your life in in the next three to five years pick a pick three years out from today and what do you want your life to look like and then backwards plan and now I'm not saying you need to plan every minute of every day but you can be that will that will increase the urgency uh sense of urgency in your life and the intentionality of every every hour and every day because you realize this is   doable but I got to take ownership of of my current situation if I want this to be the reality in three years so I would say create a vivid vision and and kind of reverse or backwards plan to get there perfect perfect last but not least how has passive income made your life better yeah I mean I think in multiple ways but a big one that stands out is is giving me I guess we'll call it margin um to take some more risks on the entrepreneurial side and because I do have alternative sources of income   passive income um it's allowed me that kind of mental and financial bandwidth or margin to maybe invest in a company that even if it doesn't per go perfectly it doesn't go well it's not profitable that's okay I still have that cushion um for for me and my family so that's yeah it's a huge it's been a huge factor in that regard yeah absolutely Game Changer man it just changes your mindset changes your life in so many ways uh Jamie this has been incredible dude you've got so much great content to to share in your   brain man you got to get it out there um I know you've got an awesome podcast that I was on adversity to abundance everybody should check that out um other than that Jamie where else can people find out more about you yeah just two things I'll mention very quickly uh literally got my book delivered today like an hour before I hopped on here it's uh from adversity to abundance it is based on the podcast so I encourage your listener to check that out from adversity to abundance is the book that's out and then Labrador   lending.com l b r a d o r.com is where you can check us out all right man awesome I'll drop all that in the show notes thanks again for coming on brother thanks for having me Seth this has been great Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=t6nU0TtMAFc https://www.instagram.com/p/C2sKtrAPX50/ https://www.facebook.com/permalink.php?story_fbid=pfbid029mGsZgw2DFvrvFV6QPkwf2U2ewUxCGoRmnjGvuBicaWmM9oHWbemP7NCVFFXz8jxl&id=100089126144055   Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en   Jamie Bateman's Links: https://x.com/batemanjames https://www.facebook.com/batemanjames https://www.threads.com/@batemanjames11? https://www.instagram.com/batemanjames11/ https://www.linkedin.com/in/jamie-bateman-5359a811/ https://labradorlending.com/about/

Title: Why the W-2 Grind Will Never Make You Wealthy with Jamie Bateman Summary In this engaging podcast episode, Jamie shares his journey from being a competitive athlete and military officer to becoming a successful entrepreneur in the field of real estate and mortgage note investing. He emphasizes the importance of discipline, teamwork, and taking ownership of one's financial situation in achieving success. Jamie discusses his transition from a W2 job to entrepreneurship, highlighting how he leveraged his experiences and strengths to build multiple streams of income. He shares insights about his current business model centered around mortgage note investing, explaining the differences between performing and non-performing notes, and elucidates the challenges and opportunities present in this field. The discussion also emphasizes the importance of long-term planning and learning continuously, making the case that discipline ultimately leads to freedom and flexibility in life. Links to Listen and Subscribe: https://podcasts.apple.com/us/podcast/from-military-officer-to-mortgage-note-master-one-mans/id1618672867?i=1000643495099 Links to Watch and Subscribe: https://www.youtube.com/watch?v=t6nU0TtMAFc Bullet Point Highlights: Athlete to Entrepreneur: Jamie shares how his background in competitive sports instilled a sense of discipline and teamwork. Financial Ownership: Jamie discusses the importance of taking ownership of your financial situation and actively seeking improvement. W2 Quitter: The transition from a stable government job to entrepreneurship reflects Jamie's journey of self-discovery and ambition. Mortgage Note Investing: Jamie provides insights into both performing and non-performing notes, illustrating how to generate passive income through debt investing. Value of Networking: He emphasizes the necessity of building a strong network for finding investment opportunities in mortgage notes. Continuous Learning: Jamie advocates for lifelong learning, suggesting that successful people always seek new knowledge and skills. Long-Term Vision: He stresses the importance of setting long-term goals and reverse planning to maintain focus on achieving one's aspirations. Transcript: Jamie what's going on brother welcome to the show thanks Seth this is this is awesome um I'm excited to be here and I'm hoping to add some value absolutely man third time's a charm we've been trying to get this scheduled after I was on your show which was fantastic had a really good time uh on that show and I think it turned out pretty good so I know we're gonna absolutely we're gonna deliver on this one as well yeah we're GNA try to try to I'll try to do as good a job as you did so yeah that was that   was uh yeah no I that was a very very good episode from adversity to abundance I would highly recommend your your listeners check that one out to your episode on that show so thanks for thanks for doing that absolutely man you're an incredible interviewer I've I've that's the only uh I've been on dozens of podcasts and you know you pulled out a lot of things for me that I've I've never talked about on the air so it's pretty pretty awesome pretty awesome show man appreciate that cool man well let's just jump right into your   background man what's your story um take it back as far as you'd like to brother yeah um man uh I'd like to think that life has phases so I've had a few different phases in in my life um you I come from a a large uh family I'm I'm the oldest of seven kids and we always had a competitive uh background as far as team sports and things like that so um I played lacrosse in college that was always a foundational piece of of uh my life and just kind of I think from there learned how to be a part of something   bigger than myself and how to work toward a common goal with a with a team so that's been something that's been a a kind of a thread through my life and then um got married and uh joined the military and um actually joined the military technically before I got married but seemed like I got married and then ran off and and uh ran away from my wife but it's not exactly what happened but uh joined the military was an officer in the in the US Army did I did miss my first three wedding anniversaries through deployment and   things like that um and again it was a matter of trying to be plugged into something you know to serve and be a part of something bigger than myself and trying to trying to add value like I think we all we all want to do um I've obviously glossed over a lot of lot of details but those were uh a couple of inflection points I guess if you will um like you like to talk about I know um and so my military career transitioned into uh a a career with the Department of Defense as a civilian and um did 14   years as a civilian with DOD at Fort me and the first half so the first seven for all you math whizzes out there uh was full-time and then the second half the second seven years was part-time and that seven years is when I was really building my businesses which are largely um real estate investing and mortgage node investing Focus so we can get into the details there and then in 2022 I ended up quitting my job and and um now I have a few different small businesses that I run and like you Seth I've got a got a   lot of different things that I'm juggling and uh you know so but yeah I love talking about taking ownership of of your financial situation and taking ownership of your your life really and um I know that you and I have that comment so yeah that's a that's a high level overview of my background awesome man I appreciate that that there's a lot to unpack there you know going back to you know playing sports all the way up to the Collegiate level that's incredible I always like to to think even playing like poporn or football   back in the day you need a way to instill discipline in yourself and I I that's kind of the the oldest memory I can think of where it was hard right like it was like you've got a coach screaming at you like back in the day it's like you know they wouldn't give you water unless you like you know for like an hour which I don't think they do that anymore now but you know you had to earn that drink of water and and all those sorts of things but you you really learned what it's like to to work hard and you really learned what discipline   was all about and I would say that and you can you can expand on this but yeah I would say that you know being in the military yourself that takes it to a whole new level right it's like you you you got that from Sports you got that from the military yeah definitely I mean obviously they're very different in a lot of ways but that is certainly a common theme is is being disciplined and um and people people shy away from that word um because it just sounds like work or or no fun and no flexibility but I found that having   discipline in your life ends up adding more freedom in a sense um because you kind of have your foundational pieces set in stone you don't have to think about those and so um yeah regarding team sports it's it's really a matter of um you know everyone doing their part right and so there's a level of individual discipline and um and then just and then also just kind of putting the putting the group ahead of yourself um obviously the you know you want individual there's nothing wrong with individual accolades and I I was   certainly uh chasing you know those individual accolades it's not something I shied away from I was you know I definitely was wrapped up in trying to be an All-American and um that kind of thing and and did get that a couple of times you know but it at the end of the day nobody really cares about that and um the way I viewed it was if I was doing my part and I got those you know if I was scoring goals in Lacrosse as an example that means I'm contributing to you know to the team right and so there's obviously a fine   line there but of going too far either way um but yeah that discipline is critical you know even C I played at a high level in college and and there was year round you're training you're you're uh you're into it it was a division three school but it but the reality was we worked just as hard as any any D1 program and um yeah it's it's a these are skills that have paid off and are absolutely transferable to the rest of of life for sure yeah I think you've got to get those those intangible things you've got to develop   them somewhere along the way whatever whatever that is if that's Sports the military or you know from your parents I mean you can get it from different places but you definitely need it I mean you know we're in different stages of our life at this point we're talking about a lot we like talk about freedom and flexibility and fun um to try to get away from kind of the W2 uh mindset but in order to achieve Freedom flexibility and fun in a successful way you had you have to be disciplined to be able to get   there you you had to have done something successfully to be able to get there or maybe what separates you from you know the guy living in a van down by the river right like that guy that guy has Freedom flexibility um I don't know about fun maybe fun but yeah but you know it's it's a different obviously it's a it's a different outcome yeah and I I I still I think I still need you know I still use a lot of discipline today it's still still required but it's I guess I guess it's self-imposed and um you know I just love   love having that flexibility and that freedom um that comes along with being an entrepreneur so yeah it's been a central piece to my success for sure um but I I I still I don't think it ever you know goes away I just get to pick and choose what you know what discipline I want to kind of enforce on myself I guess um so yeah absolutely and and and as you said I the military was a huge part of that for me as well I mean that's a different kind of different kind of discipline and different kind of teamwork and different you know if you   lose a lacrosse game okay you lost the lacrosse game but military the stakes are a little higher um so maybe certain things are more important attention to detail are crit is critical and um but at the end of the day it's yeah it's that the same principles apply across both I I guess sectors if you will for sure for sure so let's dive into that that transition you started working kind of part-time there for seven years so that seems like a transitional period how are you able to progress from you   know that W2 and what what I've heard you say is call yourself a W2 quitter and I love that um you know how were you able to progress from a W2 person to a W2 quitter what enabled you to do that and what that transition looked like I mean you know I do remember in 2015 probably a little bit maybe maybe say 2014 but I just you get you know I had a wife and two kids and I had the commute the long commute that I I know a lot of people can identify with so um it it just was Groundhog Day it was the same   thing over and over and over and that's not me sitting here complaining about my family or having a having the opportunity to work um but after a while it gets old let's just be real right so it's like you're sitting in traffic and I just you start looking at you know I was I worked for the government and you look around you say who okay who's sort of ahead of me on this like you like I I think you probably mentioned on our on your your show on my my show your episode um you look around to the people   who are more kind of Al further along the path than you you say do you want to be that person is that the life you want and man I did not want that and um it just just having that just super long-term just you know the pot at the end of the rainbow I guess uh nothing driving me in the in the interum man it was it was just it was brutal so I probably did a little woes me for a little bit there a little victim mentality for a bit but then you start to realize like okay if you don't take ownership of your own life no one's   going to right so no one's going to come in and do this for you so I'm not sure what truly you know created the change in my mindset but my mindset absolutely started to change and I just made a shift and I and I stopped watching cable news I stopped uh just you know stopped paying attention to all the things that I can't control and I couldn't control back then and and started saying no what do I have what are my strengths who is in my who's back to the team thing who's on my team who's you know who's in my   network that I can add value to and who can add value to me so I started looking around and um you know my father was a realtor for many years my brother was a loan officer I we had uh one rental property at the time and so and IID worked at a I didn't mention I worked at a title company and I worked for a mortgage broker before as well briefly so I had this experience that a lot of people don't have and that's you know that that doesn't mean I'm better than anyone it just means these are my strengths so let's point to that and   let's use that so I started really being intentional about focusing on my strengths and my assets that I had in my life right and then another asset that I used to see as a liability was the time in the car so I started listening to podcasts oh you know and and then it turned into wait I don't even want to go into work yet because this this podcast episode is amazing and I'm learning so much you know Bigger Pockets and all the other real estate podcasts and different investing podcasts and um started using   that mental bandwidth instead of focusing on National media stories that I have zero influence over uh here's something that I can actually take action on and so um in mid 2015 uh I I I went part-time and and just so happens that at uh DOD it's one of the few agencies in the in the federal government where you can go part-time and still keep your benefits so I still had health insurance for my family you know most people don't have that option necessarily but oh oh well I did so that's what I did and and um you   know that's uh again decided decided to start building my my other streams of income outside of my W2 um had my circumstances been different if I was single I probably would have just quit the whole thing right but I was able to have that kind of laded approach I guess or tiered approach to kind of ripping off the Band-Aid yeah yeah no that that that's awesome I love just the idea of of taking ownership of your your life right like everybody has those moments where they're feeling sorry fors um but but the successful people they   don't sit there and stay in that that mindset they they move on they you're going to be there sometimes but you've got to get out of and you got to say okay what what can I control what can I change and you don't say you don't give other people the power to control you and your mindset and how you feel about your life right like that's that's that's the thing like if if you if you're constantly blaming someone else or saying this happened to me rather what can I do to get myself out of it then you're going to be stuck there   forever you're you're going to be you're going to be spinning your wheels forever um and a lot of that I think helps because you said you don't listen you don't watch the news I don't either it's a waste of time what control what does that do for us it's if I do watch it I literally do it for entertainment and you look at it as an entertain I look at it like I'm watching sports almost absolutely I I look at it like this is funny like I can you know what I mean you kind of analyze like this is funny   this guyy saying this in a debate this guy's saying that it's not taking it as fact and news and this is how I should live my life because of what they're saying absolutely and it's not to say that none of these topics are you know important right I mean right Glo Global you know war or I mean politics poverty global warming whatever that's all very important but I have zero control over it almost zero right and then um you know the other thing is fear sells and that's that's what they're selling and so doesn't mean that every   story is invented and it's all fake fake news but it it just doesn't serve me and so I'd rather focus on you know go ground up and kind of uh you just I see it in people maybe older people in my own life now who maybe are retired and and they watch the news all day and it's like they won't travel because they saw a news story that the airports are packed or something and you know it's I'm sure that story was was accurate right but it but the but the news can filter out and and you end up only focusing on the negative really and   it just didn't serve me so yeah um during that La the second seven years I was able to build out my wife and I were doing single family real estate investing and doing a lot of the Burr method that maybe some of your your audience is familiar with uh um and so kind of putting that Capital back into the the rental property um machine and expanding our portfolio um and then eventually last year Well in in 2018 I made the pivot I kept the rental properties but made a pivot to also add on mortgage not   investing and that's been my primary focus as of late um and uh if you want I can tell the story quickly about how I actually quit my job in 2022 I I think it's kind of kind of a funny one absolutely let's do it all right so um I uh so two years ago uh I was playing bad mitton and um I'd been doing now mind you I used to be like tough you know athlete and like I did you know did Jiu-Jitsu for three years right up before this and you know used to lift Waits a lot and still do it here and there but you know I think I'm tough   right and uh ruptured my achilles playing bad mitton so that's an ego blow uh to add on to the physical pain that you know especially with the recovery so I ruptured my achilles a little over two years ago today and um I was out of work it was my right right foot and the reason I bring this up is not for sympathy but um to say you know I couldn't drive for three months so I actually yeah and I had tons of leave from from work and by this time I was tired really tired of my I was pretty much checked out like I think you you   might have been at your uh your big law uh job but um that's right I was I was checked out I mean I I wasn't the best employee at this point and so I took as much leave as I as I could you know reasonably right and so but couldn't drive and so I was out for three months and I come back so come back into work and I'd had discussions with my wife about about leaving it was just a matter of of when not if um I can tell you truthfully had no idea that I was going to quit this day but I came back in from   having been out for three months mind you no one gave me a call no one from work no one from my management gave me a call the entire three months I was out other than to say to ask me are you vaccinated because you have to be vaccinated to be to get inside the building now I don't want this to turn into some controversial vaccine discussion or get your your podcast banned from something but um yes I'd been vaccinated to to answer the question but no one asked me how's your how's your recovery going like how what   do you you know how's your life you know what's it's just are you vaccinated you need to get that shot before you come in okay great thanks I really feel welcome here so I'm already just you know you know what screw this place right um come back in and just go to my desk and this is this is an office space kind of thing where I go to my desk and there's some there's an a force kid at my desk and long story short they' kind of move me somewhere else without telling me I can't find my desk I finally find it   it's got a box with my name on it with you know monitors sideways and all and clearly not a functioning uh desk and um you know office space so I literally quit that day and I just say that it's just like I knew 100% I was done I my wife didn't know I was I quit but I I quit that day still worked for another month or two but I I was there was no question zero question in my mind I'm done with this place so uh that was March of 2022 and ever since then I've just focused on building out my businesses and having   looked back that's awesome sometimes you just know right like sometimes it's time you just knew I I love that story man for me it was a little bit you already know the story but you know for me it was a little bit more of someone else's decision I got fired I mean and men that you know you you weren't the best employee at that point correct you know I knew the same thing and it's great to have awareness and perspective and kind of looking back now you're like I would have done the same thing like this guy   doesn't want to be here his output isn't what it should be like nope he's got he's got to go I mean he's not he's not the best employee and and as a you know as a business owner now I can you know I have really good perspective of that and and seeing that and they did they were doing me a favor by being like hey like your heart's not in it is it and I'm like no it's not it's not yeah yeah the reality is for me it's really hard to work you know when once you go part-time I mean I knew I was casting a vote   against my career progression there so as soon as I went part-time in 2015 I wasn't saying I'm in this for the Long Haul guys this is this is my focus you know it's the writing's somewhat on the wall looking back it's almost surprising I lasted as long as I did um but so yeah uh haven't looked back and just love love the entrepreneurial you know day-to-day and freedom that you alluded to and and just the multiple streams of income and certainly has its challenges I I probably work harder now than ever   than I ever have um but it's by choice right so I love it exactly same here man I mean it's you know my my days are long I mean I I get up way before I used to get up when I when I had a 95 I worked past when I would have worked a 9 to-5 and it definitely more hours but when you're doing it for yourself and you're doing it because you're working towards something that you believe in yeah it doesn't feel like it's you're putting that much time in definitely I I wake up early a lot of days it's not not on   purpose it's because I'm just excited to get Kracken so yeah yeah absolutely yeah well let's let's kind of get into your current business I know you you had mentioned that you focused on your strengths and your assets um and you know I think it's important I'll just I'll just say it's important to take an inventory of what your strengths are when you're kind of considering going into something else um because a lot of our listeners are attorneys they're doctors folks like that they kind of feel like maybe they're they're pigeon   hold right like well if I'm not an attorney what the hell else can I do right like I don't know anything about real estate investing or node investing or starting a business or anything like that but if you really take a step back you you probably have a lot of skills that you've learned and honed in your career that you can use for something else moving forward and that was that's what you were able to do definitely and one thing I'd say is that um you know one thing that's always comforting for   me is nobody knows everything right so you can always find somebody who knows more than you in a certain area um you know there's one quote about every man is my Superior in in in something right so um basically it gets me a lot of comfort to know like just because an attorney listening to your show knows way more than I do about a particular topic and probably many many other topics that doesn't mean I'm less of a person or you know I don't know more than that attorney does in another area so it's   okay I'm never going to know everything there are other people who've already figured it out so um you know that's that's always comforting to me is and when I say look to your strength it's also looking to the people in your network who know and can help you get to where you want to go um so yeah I mean so many things we take for granted that we do know and um you know example when I started working at a title company fresh out of college because it was my first real job and it paid you know a a   salary um I realized quickly how little I knew about title insurance settlements you know just just basic stuff now looking back pretty basic stuff but you don't know that unless you work for a title company or you're heavily involved in this you don't you're not trained in that in school typically right so you know you forget and so your your listener out there the the attorney the doctor I guarantee they have a lot of life experience not just from their professional world but just life experience that that they shouldn't take   for granted and the fact that you can go through law school and then be you know Be an Effective attorney or go through medical school and Be an Effective doctor that that means you you can learn things right and so again I go back to life has Seasons I mean you've shown that in your own story Seth like you know um it's uh it doesn't mean just because I started a certain business doesn't mean that's going to be what I'm going to be doing for the next 20 years or just because I'm an attorney now   doesn't mean that's what I have to do for the rest of my life so we always have options I mean you might look back and wish you'd done something differently or something but you only have one chance at this and so you know you just make the most of it and and just keep I think keep learning constantly um is critical I I just hired a business coach we've had one call um but one of his motos is um you know one of his sayings is that he's always he's in permanent beta so he's always changing always improving he's always   growing so I'm trying to trying to implement that as well yeah I love that permanent beta I haven't heard that before but I like that I like that phrase like that phrase um so tell me about your current business tell me about mortgage node investing start with the basics um sure what is it yeah so and and I'll try to keep it uh there's so much to it but again none of it is difficult it's just a lot of moving parts and you've got to you know it takes time to learn um we buy debt so we buy a mortgage note   and that could be performing or non-performing the the real highlevel version is is um a performing note is kind of like a a long-term Buy and Hold rental property but you're buying the debt and becoming the lender becoming the bank if you will um and so you're buying that performing note for cash flow so I buy a performing note the barer now pays me through a loan servicer and I get monthly payments so that's a great way to go the the problem with that is you can't really add value to that asset very well you're kind of   it is what it is and in fact with mortgage notes the value actually goes down over time generally speaking because the principal balance goes down so it's just it's worth less than you know than uh you know than it would than it was when you bought it then on the other side the non-performing side of things we buy those uh as well and those are more like a Fix and Flip property so um although we're still buying the debt we're not buying the property but there's a chance to add value There's an opportunity to buy distressed asset and   add value to that asset and then sell that that non-performing note either well I should say sell that asset whether that's as a rep performing note or as uh through the the real estate itself there there are a few different ways you can exit a non-performing uh note deal and but but back to your kind of one of the the themes um thus far one of the reasons I got into specifically that space was that I understood the real estate space so I understood the single family residential real estate space so it wasn't a huge   leap for me to go from owning the property to now owning the debt on that property whereas it would have been a lot bigger leap for me to say oh I want to start buying distressed you know multif family debt um which I know you could probably help me understand better but that you know it's like incremental progress and and and change isn't that scary so I kind of expanded my um you know toolbox if you will and got into the mortgage note space so we have a couple of note funds one is open um currently and they're they're they're   all for accredited investors um and uh the the income fund that's open pays a monthly uh aims to pay a a monthly uh per referred return I know you and a lot of your listeners are attorneys so I got to hold the line here and uh so the fund is structured to pay uh to aim to pay a a monthly return uh of 8% it's not a there's no growth in that fund it's literally a cash flow play and um diversification play you're putting your your capital in we buy assets across the country we we've bought notes in in probably 25 States at this point   um and so the investment is Diversified across Geographic areas across borrower types and um you know we buy for a certain yield we take a small management fee and then we um ideally uh pay a pay the preferred return that we're aiming for to our to our investors yeah nice 506c you're able to talk about it it's uh ACC credit investors only just want to throw that out there um so yeah I mean so just going back to the basics a little bit and we'll get back into the fund like how do you how do you even   find these things I mean how do you get started how do you find these things so I mean that is an ongoing challenge I'm not going to lie to you that's one of the the things that truthfully a a passive investor who doesn't have time to to develop the network to go find these assets they're just not going to have success um you know they might here and there but it takes time it's a it's a word of mouth industry just like real estate itself is and um so we've built out a network of of Sellers and you know that could   be quite honestly I I've never had luck buying directly from Banks it's really either a larger uh mortgage note fund that's closing so it might be a three-year fund and then they've got to they've got to liquidate they've got to figure out how to sell off what to do with these assets um and so that's a great opportunity to buy is just a fund that's closing or somebody a note investor who's getting out of note investing or they've had a life change or something um you know where they just uh there's an opportunity to buy from   them as well um and so there there are other you know I guess we buy from hedge funds note investors other note funds um those are there are also note Brokers as well out there um there are also some online exchanges like paper stack and a couple of others that you can go and I've bought and sold on on paper stack and other exchanges as well um and you know you can you can find assets there um but at the end of the day we have our list that we list of people that we work with regularly and I would say one thing   is that doing due diligence on a note seller is just as important as uh due diligence on the assets that they're selling and so it's it's taken some work and it's it's a work in progress always um but it is the million-dollar question is where do you where do you find these assets yeah so that's that's the hard part right that finding these assets is the hard part um have you ever had to foreclose on on any of these notes and actually acquire the property and I guess a followup question is do you ever   look at a non-performing note like hey I actually want to own that property great questions yeah great questions um to be clear we're not trying to kick people you know Grandma out on onto the street or anything like that um you know that's not our our goal typically well that's never our goal but we're never trying to kick someone out of their home um but the reality is some people honestly need a little bit of a kick in the pants and often times that's not really the best them staying in the house is not often   The best scenario for them I know that might sound sound harsh but at the end of the day if someone can't afford to live somewhere sometimes these people are living in squal and they really need a change of of environment um to answer your question about do we target the property yes sometimes we do in fact we just closed on two they're called uh heckum loans or reverse mortgages where the borrowers are deceased the property is underwater meaning you know the the loan amount is high greater than the   property value and it should be a quick exit through the property so HUD will sell off these uh big pool of of reverse mortgages and we were able to purchase two of them very recently it's a vacant property you're not doing an eviction borrower is deceased you've got to work through the airs or or foreclosure um and get and exit the property that way um if your listener wants to go to my website I've got a really good um it's a Jacksonville blog post I've got a couple of blog posts about this deal I still hold this rental   today and it was a non-performing note that we purchased a few years ago and um I had no intention of exiting through the property or holding holding the the property as a rental property but uh running the numbers it just was too good to to let go and so long story but we we uh you know ended up doing a deed in Lee of foreclosure actually in this case and got the property back and now it's a long-term Buy and Hold property for my own rental uh portfolio yeah that makes sense that makes sense there's there's always   multiple ways to look at an investment right um but it does sound you know is not something that that I've executed on myself but it sounds like this is an active business right and that's why you've put together an income fund for people that want to get involved passively um because as as everybody knows there's active Investments there's passive Investments if you're going to do something active maybe your returns are going to be a little bit better but you're going to give up a lot of time and effort to to get those returns   um so if you want to go to the passive side if you if you're still full-time in your career you're you're a full-time doctor or lawyer or or whatever you are you know these passive Investments are the way to go without having to know every single detail about a new business yeah and I don't know if you can see this but I I wore this specifically for your for this show there it is there it is passive income um you're absolutely right you know these gurus some of the some of the node investing gurus out   there will try to sell you know notes as passive um we have another blog post that talks about uh just the it's a spectrum there's active and passive on either end but at the end of the day if you're gonna node investing in my world is very very active and we have a non-performing note fund that's considerably more active than the Performing note fund so um you're dealing with foreclosures bankruptcies deed and L tracking delinquent property taxes do I have to physically go anywhere no but it is not passive um but   that's why we offer the passive investment to for you know people who like you said have maybe more Capital than time or energy and they want to put that Capital to work that's right there there are certain gurus out there that you know whatever it is that they are pitching it's they they tend to always pitch it as as passive even though it is an active business whether that's ma money yeah whether that's a mortgage note or I mean people pitch Airbnb short-term rentals as passive they're like well you can delegate this and you   can you know you can automate that and there's software for all these things but you still got to put all that stuff together you've still got to monitor all those things you you've still got to you still got to oversee all these different aspects of a business and that's what it is it's a business that you're running and it's not passive like it's not it's not and and it is on a spectrum some things are more passive than others but when you're inves in you know as a passive investor into some sort of a   fund or a syndication that's really leaning really far into the the passive side absolutely 100% and I and I'm as you are Seth I'm I'm I'm I I assume you are I know you're an active investor but I I do have passive Investments myself in other other funds other note funds and and my own my own note funds as well and so nothing wrong with doing both but I would say you need to be careful about you know you got to make a decision at some point do you want to scale this thing and and make this really a   business or do you do you are you satisfied with potentially a little bit lower return and you are giving up some control but much you know much fewer headaches and just a lot less work right right yeah and a lot of you know a lot of the listeners are high income earning professionals so they've already dedic put a lot of time and effort into being able ble to earn this much money from their W2 and absolutely that's probably your best bet to be honest with you I've been there I was in those shoes you're   probably better off putting your head down like let's grind for a few years let's let's not spend every single dollar that we make on all the new stuff on a on a new car every two years or every year in a bigger house that you don't need like let's set aside some of that and invest it passively and then maybe one of those will stick maybe one of those passive investments will be a mortgage note fund where you're like man I kind like this business like I like the sound of it I've learned about it   and then you start maybe progressing on the active side and maybe that takes over and and you want to get into that as a as a business as an entrepreneur but um a great way to kind of dip your toe in the water is to become a passive investor um that's the way that I did it into you know multif family syndications I invested passively in a number of deals first and kind of learned about it learned the ropes and I'm like I can do this and then that's when I made the transition yeah definitely it's it   really comes down to what you what your goals are and what your situation is for sure I I'll say I was too passive initially when I went into notes um because personally I just don't you're you're you were probably a little better student Seth not that I was a bad student but you know I I invest unless I'm actively in investing you know I'm just not going to learn a lot so the reality is yeah it's fine to learn about the asset class you definitely should learn about the operator for sure if you're putting Capital with them but   you're not going to once you're getting your checks and your dispersements you're not going to probably learn a whole lot about how to do that on the active side and so that's what we're here for yeah yeah it's more of like a spark of an interest right like may you already have that spark and then you invest passively then you're like okay well now I'm invested like let me learn about this you have to you have to actively go out there and educate yourself and network and talk to people that are in the business definitely 100   per. all right man before we jump into the Freedom Four you have one last gold nugget for our listeners oh man um I would say within when it comes to investing um you know take the long-term view um don't chase immediate returns um you know I do think just yeah it's certainly we all want to make a million dollars tomorrow but I think it's it's play the long game when it comes to investing I think that's critical love that man all right let's jump into the Freedom Four what's the best thing you do to keep your mind body   healthy yeah I mean one thing that I instituted this year actually um is breath work and it's um you know it's so it takes 10 minutes um and per day for me at least and it's been phenomenal and it's something that quite honestly as a as a you know athlete back in the day or even in the military I would have scoffed at something like this to be honest with you because it's just you know it's not manly or whatever it's like it is phenomenal so uh breath work I mean I do other things for sure but that's certainly this year it's been a   game Cher for me I just feel like it resets my central nervous system and it just gets me focused and uh I know there are other physiological benefits that you can ask uh Dr Andrew huberman or somebody else about cool I have to look into that actually have I mean obviously everybody talks about it's a Hot Topic I haven't gotten into it I haven't gotten into that plus like the cold plunges and that sort of thing um but I really want to explore that a little bit I don't know how much you can cut this out if we   don't have time but I had a I'm just going to be be open about this I just had a you know in late December I got a viral infection like a neuro virus and then I had I had a what I think was a pretty severe panic attack and it was super scary and so that's why I started uh doing this and somebody on my team actually sent me a a I guess we'll call it an implement or a tool that uh I use for the breath work it's BL there's a Bluetooth connection to your phone and it's pretty cool so it's structured and   back to that discipline right but um yeah so it's there was a reason I started doing it and um it's it's so accessible five to 10 minutes a day you can start doing it so yeah very cool highly recommend cool thanks for sharing that man um with all your success what is one limiting belief that you've crushed along the way and how did you get past it um I think just uh you know being afraid to you know that you have to be perfect right so um I used to be an editor back in the day and so many things would just not get done   or not get completed within our team our organization um because it had to be perfect and and it's like I think as I've progressed into more of the entrepreneurial lifestyle and and uh it's just it's not a it's not an option anymore um so um yeah I think just taking action has kind of overcome that limiting belief of of of chasing Perfection yeah yeah I can I can I can agree with you there done not perfect um as you know my background as an attorney I mean we're we're paid to be perfect like we can't make mistakes especially   in contracts and the way that we write things but when you kind of make that transition over to being an entrepreneur there's too much there's too much to to be to be perfect you got you just got to get it done good enough absolutely good enough has to you have to be open um willing to accept that for sure y what's one actionable step our listeners can do right now to start creating more freedom so I'll use the military here you can um which is where I learned U kind of reverse backwards planning reverse   planning so literally just and I'm not going to tell you I'm perfect at this um but you know think about what create a vivid vision for your life in in the next three to five years pick a pick three years out from today and what do you want your life to look like and then backwards plan and now I'm not saying you need to plan every minute of every day but you can be that will that will increase the urgency uh sense of urgency in your life and the intentionality of every every hour and every day because you realize this is   doable but I got to take ownership of of my current situation if I want this to be the reality in three years so I would say create a vivid vision and and kind of reverse or backwards plan to get there perfect perfect last but not least how has passive income made your life better yeah I mean I think in multiple ways but a big one that stands out is is giving me I guess we'll call it margin um to take some more risks on the entrepreneurial side and because I do have alternative sources of income   passive income um it's allowed me that kind of mental and financial bandwidth or margin to maybe invest in a company that even if it doesn't per go perfectly it doesn't go well it's not profitable that's okay I still have that cushion um for for me and my family so that's yeah it's a huge it's been a huge factor in that regard yeah absolutely Game Changer man it just changes your mindset changes your life in so many ways uh Jamie this has been incredible dude you've got so much great content to to share in your   brain man you got to get it out there um I know you've got an awesome podcast that I was on adversity to abundance everybody should check that out um other than that Jamie where else can people find out more about you yeah just two things I'll mention very quickly uh literally got my book delivered today like an hour before I hopped on here it's uh from adversity to abundance it is based on the podcast so I encourage your listener to check that out from adversity to abundance is the book that's out and then Labrador   lending.com l b r a d o r.com is where you can check us out all right man awesome I'll drop all that in the show notes thanks again for coming on brother thanks for having me Seth this has been great Links from the Show and Guest Info and Links: https://www.youtube.com/watch?v=t6nU0TtMAFc https://www.instagram.com/p/C2sKtrAPX50/ https://www.facebook.com/permalink.php?story_fbid=pfbid029mGsZgw2DFvrvFV6QPkwf2U2ewUxCGoRmnjGvuBicaWmM9oHWbemP7NCVFFXz8jxl&id=100089126144055   Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en   Jamie Bateman's Links: https://x.com/batemanjames https://www.facebook.com/batemanjames https://www.threads.com/@batemanjames11? https://www.instagram.com/batemanjames11/ https://www.linkedin.com/in/jamie-bateman-5359a811/ https://labradorlending.com/about/

Welcome to Lizard Brain, a powerful primitive instinctive force of consuming all your emotions. This mix is packed with some monster tracks that will take you on an emotional roller coaster. Set List: Arrival - Exotek Nano Man - Facundo Leiarz Emergency - Alex O'Rion Knowhere - Dylhen Tribal Journey - Rick Pier O'Neil East To West - Osiris Black Sands (Dr Green Remix) - Rockka Static - COQUEIT A Tale Of Life) - Eamonn Fevah & Lost Knowledge Fade Till Sunrise, Pt. II (Döts & Victor Garde Remix) - Kryder Domino - Cream (PL)

Welcome to a brand-new Voyager Radio concept. This is the ‘Gravity' podcast with Suzanne Chesterton, recorded at 180 degrees, direct from her bed. This Voyager Radio side-project features all the wonderful twists and turns of Voyager, but with more music and less talking. On episode 01, Suzanne plays the latest from Cold Blue, Kryder, Nora en Pure, C-Systems, Genix, A.R.D.I, Bedrock, Airwave, Lost Frequencies and more. 00:08 1.Lost Frequencies & Tom Odell - Black Friday (Radio mix vs Extended) [UROK]05:05 2. Nora En Pure - Vigilant (Extended Mix) [ENORMOUS TUNES] 08:27 3. Bolier feat. Lou - Dare You (Extended Mix) [FRCST] 11:45 4. Amadou & Mariam - Sabali (Sara Costa Rework) [BECAUSE MUSIC]14:33 5. Kryder - Fade Till Sunrise, Pt. II (Döts & Victor Garde Remix) [SPINNIN]18:36 6. Dyzen 'Try' [HABITAT] 22:40 7. Above & Beyond - Sun & Moon Remix (AATMA Remix) [White Label]26:17 8. 8Kays, Delhia De France - Human Nature (Extended Mix) [DGTL] 30:40 9. Robin Schulz, Oliver Tree - Miss You (Argy Extended Remix) [Atlantic] 33:55 10. Öwnboss, Deadline - Miracle (feat. Luisah) [PARADE REC]36:35 11. Bedrock - Heaven Scent (Us) (Che Jose Edit) [F.T.F.T] 39:30 12. P.O.U X Spartaa - Fine Night [Of Us Records] 44:56 13. C-Systems - Beyond Control [Black Hole] 48:52 14. Brian McCalla, James Black Presents & Sinéad McCarthy - Eclipse Of The Sun (Pierre Pienaar Remix) [Pure Trance NEON] 53:48 15. A.R.D.I. - Majesty [AVA White] 57:30 16. Genix & flowanastasia - Dependent On You (SNIN Remix) [Anjunabeats] 60:32 17. Cold Blue - Rebirth [Cold Blue Records] 65:20 18. Rene Ablaze - Never Let Go [Future Sequence]70:00 19. Robert Falcon, Wasback - L'Amour Toujours [HMG]71:40 20. N-R-G - I Need Your Lovin' [Armada Music] 75:30 21. Airwave - Adagio For The Brave (Extended Mix) [Airwave Music]

JOIN US HERE instagram.com/djekg instagram.com/milanlieskovsky MARKO MAZAG PLAYED Nitefreak, Emmanuel Jal - Gorah James Hype - Ferrari (Allstark, Cramoki & Daniel Best Remix) Kevin McKay, Amal Nemer - Family Affair Rosalie, James Mac, VALL - The Boy Is Mine (Club Mix) MoBlack, Benja, Franc Fala - Yamore (feat. Salif Keita & Césaria Evora) Salome De Bahia - Outro Lugar (Wissem Be Edit) (Calvis Remix) Luedji Luna - Banho de Folhas (Maz (BR) Remix) Robin Schulz, The Prick, Lilly Wood - Prayer In C (Nitefreak Remix) HUGEL, Diplo - Forever (feat. Malou & Yuna) Maz (BR), Antdot, Jessica Gaspar - Brisa Robbie Williams - Feel (Disla & Danis Remix) Nitefreak, Imad, Clubhouse - Not The Same Betical, Arper - Back On 74 (Rework) Modjo - Lady (Koshi & Daymaan Remix) EKG PLAYED Gorje Hewek, ETNE - Children (Extended Mix) Simion - Lost (feat. Roland Clark) [Club Mix] James Cole, Kevin McKay - Somebody That I Used To Know CamelPhat - Raabta (Original Mix) Adele x Baddies Only - Set Fire To The Rain (Extended Mix) Haska, Salif Keita - Madan (Original Mix) Florence & The machine - Spectrum (Say my name) [Marco Generani remix] Maz (BR), Antdot, Ayrton Senna - Emotions (Extended) Kryder - Fade Till Sunrise, Pt. II (Döts & Victor Garde Remix) Kryder, Natalie Shay - Rapture (Hugo Cantarra Extended Remix) ReOrder & RRDR - Drifting South (Extended Mix) MILAN LIESKOVSKY PLAYED VeronikaS, Milan Lieskovsky - I am Sorry Michal Szatmary - Overtime Martin Jordan & EMOCA - Castles In The Sky Lamorn - Between Us Jason Walker, Solar State - Stay with Me Now Taylor Swift - Anti-Hero (Kungs Remix) David Guetta - Dangerous Elton John, Dua Lipa - Cold Heart Sophie Ellis-Bextor - Murder On The Dancefloor (PNAU Remix) syence - forever, for now (feat. riley biederer) Ed Sheeran - Happier (Tiëstos AFTRHRS Remix) Jonah, Ben Bohmer - Hunting ARTY, Griff Clawson - Those Eyes jaakob - Take Me Home Zerb ft. Sofiya Nzau - Mwaki TRINIX & Fafa de Belem - Emorio 3LAU, XIRA - Tokyo NUZB & Malarkey x Tyla - Miss Water (Ian Sndrz Mashup)

Here's chapter 173 of the Trance Connection adventure together with my buddy Nucrise (@rafa-arendz). We teamed up to deliver a monthly radioshow that's broadcasted on every first Saturday of the month at 17.00 CET on the mighty Afterhours.FM radio station! Tracklist: 01. Nucrise - Loose Control [AVA Deep] 02. Marsh & Volen Sentir - Ascension [Anjunadeep] W/ Hel:sløwed & Amber Revival - If You Only Knew (Acapella) [Armind (Armada)] 03. Spectorsonic & Alex BELIEVE - Starship (Seegy Remix) [Interplay Flow] W/ SMR LVE & Maratone & Lyd14 - Younger Me (Acapella) [Find Your Harmony] 04. SMR LVE & Maratone & Lyd14 - Younger Me [Find Your Harmony] 05. Fafaq - Loneliness [CHAPTER EIGHT] 06. Rodg - You Be (Dub Mix) [Escape] W/ Swedish House Mafia - Ray of Solar (Acapella) [Swedish House Mafia] 07. Armin van Buuren Ft. Anne Gudrun - Love Is A Drug (Agents Of Time Remix) [Armind (Armada)] 08. Kryder - Fade Till Sunrise Pt. II (Döts & Victor Garde Remix) [SPINNIN' RECORDS] 09. A.L.Y.S. - White Sand [Ablazing Deep] 10. LÜRUM x Adip Kiyoi x Linnea Schossow - Disappear [Eccentricity] 11. Nucrise - I'll Be There [Suanda Future] 12. Jake Crooker - Ascended [Addictive Sounds] 13. John Grand - Speedrunner [Enhanced Progressive] 14. John Summit & HAYLA - Shiver (Cassian Remix) [Experts Only] 15. Gareth Emery & LSR/CITY Ft. Annabel - Without U [Create Music Group] 16. Trance Wax - Distance (Coast 2 Coast Remix) [Armada Music] 17. Nitrous Oxide & TJAM - 23 [FSOE Fables] 18. Rob Binner - Paint the Universe [Redux Recordings] All rights belong to their respective artists and/or license holders. Please be sure to support the artists of the originals by buying their music.

01. Paul Harris, Pete Tong, Jules Buckley, Poppy Baskcomb - Release Me (FR3ADY Extended Remix) 02. Kryder - Fade Till Sunrise, Pt. II (Döts & Victor Garde Remix) 03. FISHER (OZ), AR_CO - Ocean (Extended Mix) 04. Dario Nunez, Javi Colina - Madan 2025 (Original mix) 05. Lucas & Steve, Jordan Shaw - Heart First (feat. Jordan Shaw) (feat. Jordan Shaw) 06. CASSIMM - Valerie (Extended Mix) 07. FKA twigs, Anyma - Eusexua (Anyma Remix) 08. Sara Phillips - Stick Season (Extended Mix) 09. No Hopes, Max Freeze - Rise Up (Extended Mix) 10. Hugel, Randoree, GROSSOMODDO - Majnuna (Extended Mix) 11. SKILAH - Housewrecker (Extended) (Extended) 12. Randoree - Shaking (Original Mix) 13. Yulia Niko, Bákayan - Glam (Musumeci Remix) (Musumeci Remix) 14. Nasty Bros, Foxel - In The Club (Extended Mix) 15. Alok, Clementine Douglas - Body Talk (Extended Mix) 16. Vato Gonzalez - Gypsy Riddim (Extended Mix) 17. Dixie, Messy Jessie - Supersonic (Club Mix) 18. Chris Lorenzo, Amyl & The Sniffers - U Should Not Be Doing That (Extended Mix) 19. Piero Pirupa, LIONEEL - The Groove Man (Extended Mix) 20. Richard Vission - Outerspace (Extended Mix) 21. Armin van Buuren, Moby - Extreme Ways (Extended Mix) 22. Skytech - Good Time (Extended Mix)

01. Paul Harris, Pete Tong, Jules Buckley, Poppy Baskcomb - Release Me (FR3ADY Extended Remix) 02. Kryder - Fade Till Sunrise, Pt. II (Döts & Victor Garde Remix) 03. FISHER (OZ), AR_CO - Ocean (Extended Mix) 04. Dario Nunez, Javi Colina - Madan 2025 (Original mix) 05. Lucas & Steve, Jordan Shaw - Heart First (feat. Jordan Shaw) (feat. Jordan Shaw) 06. CASSIMM - Valerie (Extended Mix) 07. FKA twigs, Anyma - Eusexua (Anyma Remix) 08. Sara Phillips - Stick Season (Extended Mix) 09. No Hopes, Max Freeze - Rise Up (Extended Mix) 10. Hugel, Randoree, GROSSOMODDO - Majnuna (Extended Mix) 11. SKILAH - Housewrecker (Extended) (Extended) 12. Randoree - Shaking (Original Mix) 13. Yulia Niko, Bákayan - Glam (Musumeci Remix) (Musumeci Remix) 14. Nasty Bros, Foxel - In The Club (Extended Mix) 15. Alok, Clementine Douglas - Body Talk (Extended Mix) 16. Vato Gonzalez - Gypsy Riddim (Extended Mix) 17. Dixie, Messy Jessie - Supersonic (Club Mix) 18. Chris Lorenzo, Amyl & The Sniffers - U Should Not Be Doing That (Extended Mix) 19. Piero Pirupa, LIONEEL - The Groove Man (Extended Mix) 20. Richard Vission - Outerspace (Extended Mix) 21. Armin van Buuren, Moby - Extreme Ways (Extended Mix) 22. Skytech - Good Time (Extended Mix)

Tracklist:1. FISHER (OZ), AR.CO - Ocean 2. Martin Ikin, Grant Nelson - Out Of My Head 3. Plastik Funk & Esox & Tara McDonald - Looking At You 4. Wuki & Dave Summer - Smoke 5. Dombresky - Hi Life 6. Thomas Newson x Klubbheads - Left To Right (James Hype Edit)7. Laherte, GENESI (ITA) - Pressure 8. Alex Guesta, Nicola Fasano & Fatman Scoop feat. Salento Guys, RKN - Push The Feeling 9. Sofi Tukker - Bread (Odd Mob Remix)10. Rafael Cerato, Kinky Sound - Floating 11. Fedde Le Grand - I Am Ready 12. Skrillex x Loco Dice x Fireboy DML - Heavy Heart 13. MORTEN, Bonn, ARTBAT - Hollow ft. Bonn (Kölsch Remix)14. Moby, Anfisa Letyago - You & Me (KC Lights Remix)15. David Guetta x Kiko x Olivier Giacomotto - Home 16. Massano, Nurah, Koraia - Pankrepas 17. KREAM - Interstellar 18. Going Deeper - Hypnotize 19. MBNN - Fine Wine 20. Kryder - Fade Till Sunrise, Pt. II (Döts & Victor Garde Remix)21. HUGEL x Topic x Arash feat Daecolm - I Adore You (with J Balvin & Ellie Goulding) 22. Swedish House Mafia & Alicia Keys - Finally (Axwell Remix)23. Gazit, Sunny Sun - Amoro Amayto24. Th;en - Run Subscreve o Dance Sessions na Apple Podcasts e no Youtube para o download exclusivo, são 60 minutos de música electronica semanais, segue a playlist semanal no Spotify e ainda no Facebook, TikTok e Instagram.http://spoti.fi/2Aacg8K http://apple.co/2y1RUwE Hosted on Acast. See acast.com/privacy for more information.

In this special edition of WTF Wednesday, Gina and Amber dive into the world of funeral-related Am I the Asshole (AITA) Reddit threads, exploring complex family dynamics, questionable etiquette, and some truly outrageous funeral moments. From handling grief and supporting loved ones to hilarious funeral mishaps and unconventional obituaries, this episode covers it all.NEW MERCH: https://www.weirdtruecrime.com/merchJoin us as we discuss:A teenager wrestling with attending their mom's funeral for closureA sibling showdown over “inappropriate” funeral attireAn unexpected funeral party thrown in honor of a brother's wishesThe clash of in-laws and partners at emotionally charged farewellsAnd more unforgettable AITA moments tied to family, death, and final goodbyes.To lighten the mood, we've also found a few funny obituaries that'll make you laugh out loud! You'll hear about unforgettable characters who left a lasting (and hilarious) mark on those they left behind.Riddle of the Day:Stick around until the end for the answer to our riddle! “Two cars were involved in an accident in the center of town. The man in the little green car overtook a big black car, causing it to swerve and crash. When examined, the green car's occupants were fine, but the black car had one dead man. Yet the driver of the green car wasn't charged with manslaughter. Why?” (Hint: It's not what you think!)Connect with Us:Email: weirdtruecrime@gmail.comMember of the Darkcast Network: Darkcast NetworkWebsite: www.weirdtruecrime.comPatreon: www.patreon.com/weirdtruecrimeInstagram: www.instagram.com/weirdtruecrimeTikTok: www.tiktok.com/@weirdtruecrimeYouTube: https://www.youtube.com/channel/UCcAPlqQ1t9nzA9B6kAKifmAFacebook: https://www.facebook.com/weirdtruecrime/Email: weirdtruecrime@gmail.comPodcast Production: djaudio22@gmail.comResources: https://www.reddit.com/r/AmItheAsshole/search/?q=funeral&cId=20d3e66f-24aa-4f23-8979-f0025db51a64&iId=8270cf89-020c-47ca-a66c-b219214bfc52https://www.reddit.com/r/AmItheAsshole/comments/17rnnxj/aita_for_refusing_to_go_to_my_moms_funeral/https://www.reddit.com/r/AmItheAsshole/comments/1bt6c24/aita_for_kicking_out_my_sister_for_her_emo_outfit/https://www.reddit.com/r/AmItheAsshole/comments/qj9qep/aita_for_excluding_my_husband_from_my_brothers/https://www.reddit.com/r/AmItheAsshole/comments/ydcy8i/aita_for_missing_my_fils_funeral_after_my_mil/https://www.reddit.com/r/AmItheAsshole/comments/vunb2b/aita_for_throwing_the_funeral_party_my_late/https://www.reddit.com/r/AmItheAsshole/comments/rvsfc2/aita_for_kicking_my_husband_out_of_my_childrens/https://www.reddit.com/r/AmItheAsshole/comments/19eze72/aita_for_crashing_my_fathers_funeral/https://www.reddit.com/r/AmItheAsshole/comments/jd69eq/aita_for_planning_to_go_to_the_funeral_of_the_man/https://www.reddit.com/r/AmItheAsshole/comments/17apina/aita_for_telling_my_sister_if_she_doesnt_go_to/https://www.reddit.com/r/AmItheAsshole/comments/134d2ll/aita_for_not_going_to_a_funeral_with_my_boyfriendBecome a supporter of this podcast: https://www.spreaker.com/podcast/weird-true-crime--5679751/support.

All 159 Georgia counties certify the vote; The Home Depot sees an unexpected bounce in profits; and a conversation with Sen. Harold Jones, II (D-22), who was just elected Senate Minority Leader.   See omnystudio.com/listener for privacy information.

JOIN US HERE instagram.com/djekg instagram.com/milanlieskovsky TRACK OF THE WEEK Paul van Dyk - For An Angel (Kolonie Remix) MILAN LIESKOVSKY PLAYED 01, VNCNT - See U Again 02, Joel Corry & Tom Grennan - Lionheart 03, Trevor Guthrie, Axwell / Ingrosso - Dreamer 04, Don Diablo & Sandro Cavazza - Young Again 05, Kaskade, deadmau5, Kx5 - Escape 06, DubVision vs. M83 vs. RaveRepublic - Take My Mind vs. Midnight City 07, DJ Snake & Peso Pluma - Teka 08, Dennis Ferrer Vs. Dimitri Vegas, Zion & Vin - Hey Hey, Don't Stop 09, Nicky Romero x Vikkstar x Alpharock x Oaks - Where Do I Go 10, MEDUZA ft. Hayla - Another World 11, Robin Hagglund - Vega EKG PLAYED TECH IT DEEP & GORDO - Maria Maria (Extended Mix) &ME, Rampa, Adam Port, Keinemusik, chuala - Say What (feat. Chuala) Kryder - Fade Till Sunrise, Pt. II (Döts & Victor Garde Remix) Rufus du Sol - Innerbloom (RUMPUS Edit Extended Mix) Rhodes, CamelPhat, Vintage Culture - Home (Vintage Culture Remix) D.O.D feat. Charlotte Haining - Feel The Passion (Extended Mix) Solardo - Take Me There (Extended Mix) Confidence Man x Sweely - All My People (Extended) Argy, Mor Avrahami, Arash, Hugel, Topic, Daecolm - I Adore You (Argy & Mor Avrahami Remix) LAWZ - Missing (Todd Terry Remix) [LAWZ Edit Extended] GUESTMIX BY EKG Marasi - Opera (Original Mix) Lana Del Rey - Summertime Sadness (Hot Since 82's Rub) Tony Romera - Dance Naked (Extended Mix) Volkoder - Body (Original Mix) Steve Angello - Hooligans (EKG EDIT) Tiga, Audion, Layton Giordani - Let's Go Dancing (Original Mix) Disclosure X Sam Smith X PS1 - You & Me (Flume Remix) [Westend x Local Singles Edit] WEEKEND ANTHEMS LIVE / ELEMENTS TRENČÍN

Hoje tens para ouvir musica nova de Steve Angello, Solardo, Will K, Oliver Heldens, Alesso, CamelPhat, Green Velvet e muito mais.Mais de 60 minutos com o melhor da musica electronica de dança.Subscreve o Dance Sessions na Apple Podcasts e no Youtube para o download exclusivo, são 60 minutos de música electronica semanais, segue a playlist semanal no Spotify e ainda no Facebook, TikTok e Instagram.http://spoti.fi/2Aacg8K http://apple.co/2y1RUwETracklist:1 Solardo, Hayley May - Take Me There 2 WILL K & Dark Dhalia - All My Love 3. Alok, FirebeatzHigher - State Of Consciousness 4. Oliver Heldens & Armin van Buuren - Freedom (feat. Sam Harper) 5. MANIBA, Lizzy Wang - The Big Fake 6. Charli XCX, Billie Eilish - Guess (Gin and Sonic Remix)7. Steve Angello - Hooligans 8. Mau P - MERTHER 9. Roland Clark, Wave Wave, GENESI - Phones Down 10. Blue Boy - Remember Me (Kölsch Remix)11. Alesso, John Alto - Lonely Heart 12. FAITHLESS - INSOMNIA (MARTEN HÃRGER LIVE EDIT)13. CamelPhat, Massano, Nu-La - Oblivion 14. Green Velvet, Walter Phillips - Shake & Pop (John Summit Remix)15 Anyma - Pictures Of You (KREAM Remix) 16. Vintage Culture, Fideles, Be No Rain - Fallen Leaf (Massano Remix)17. Jazzy, KILIMANJARO - No Bad Vibes18 Kryder - Fade Till Sunrise, Pt. II (Döts & Victor Garde Remix)19. Calvin Harris & Ellie Goulding - Free (Major League Djz Remix)20. Woo York, Mark Tarmonea - Feeling (Korolova Remix)21. Like Mike - Forgive Me 22. Sebastian Ingrosso - Flood23. Adam Beyer - Don't Go 24. Eli Brown, LUSU, Sarah De Warren - Escape From Planet Monday 25. Hotswing - Lemonade 26. Jazzy, Sonny Fodera, D.O.D - Somedays (Marten Hørger Remix)27. Gorgon City, Max Styler - Touch 28. Öwnbos & BYOR - Don't Kill My Vibe 29. Matroda, Teko - When The Bass Kicks Hosted on Acast. See acast.com/privacy for more information.

Hola a todos

#paranormal #supernatural Special thanks to Jen for making this such a great conversation. You can find more great content from her via the link below. https://linktr.ee/jenniferhawkins_arcana Here are the links I mentioned in this show. https://symbolismguide.com/skeleton-symbolism/ https://symbolopedia.com/skull-symbolism-meaning/ https://www.historyhit.com/guides/creepy-catacombs-to-visit-if-you-dare/ https://www.reddit.com/r/Paranormal/search/?q=skeleton&type=link&cId=66747f6c-1bf4-40d6-89bd-b6a51e0fc6f8&iId=aa2d65f4-30ae-4127-a4c6-170d0c5b407c Have you ever had an experience with the paranormal, supernatural, and / or unexplained, that you would like others to know about? If so, let me know. You can reach me at; salsidoparanormal@gmail.com Also, the first-ever book associated with the podcast is LIVE! Salsido Paranormal Experiences is available in Kindle and Paperback editions via the links below. https://www.amazon.com/dp/B0DD3SFF61 Special thanks to The Dust Jacket for all of their help in putting this book together! They have done the visual work for nearly everything you've ever seen associated with my other books and / or podcast. Please check out their work and services via the links below. www.facebook.com/dustjacketcovers https://thedustjacketdesigns.weebly.com/ IF you would like a signed copy of the book, and you live in the US, please reach out to me so we can arrange payment and shipping. You can contact me via social media and / or email me at salsidoparanormal@gmail.com Note that it may take some time to gather the copies and then have them shipped, depending on shipping times both from Amazon to me, and from me to you. Thank you. Follow Mike; https://troubledminds.org/ Follow Jen; https://linktr.ee/jenniferhawkins_arcana You can now listen to 2 episodes of the show every night at 6 pm Pacific / 9 pm Eastern on the Troubled Minds Radio Network KUAP-DB! https://troubledminds.org/troubled-minds-radio-network-kuap-db-listen-now/ Also, if you or anyone you know should ever feel like there is no hope, or help, please consider the information in the link below. Special thanks to Michael Strange for putting this page together. https://troubledminds.org/help/ If you would like to support the show, you can share it with others, buy my books, and / or make donations at the links below. https://salsidoparanormal.podbean.com/ https://www.amazon.com/stores/James-Salsido/author/B01N6RJZKW?ref=ap_rdr&store_ref=ap_rdr&isDramIntegrated=true&shoppingPortalEnabled=true https://www.paypal.com/paypalme/jamessalsido?country.x=US https://www.patreon.com/SalsidoParanormal

#paranormal #supernatural Special thanks to Jen for making this such a great conversation. You can find more great content from her via the link below. https://linktr.ee/jenniferhawkins_arcana Here are the links I mentioned in this show. https://symbolismguide.com/skeleton-symbolism/ https://symbolopedia.com/skull-symbolism-meaning/ https://www.historyhit.com/guides/creepy-catacombs-to-visit-if-you-dare/ https://www.reddit.com/r/Paranormal/search/?q=skeleton&type=link&cId=66747f6c-1bf4-40d6-89bd-b6a51e0fc6f8&iId=aa2d65f4-30ae-4127-a4c6-170d0c5b407c Have you ever had an experience with the paranormal, supernatural, and / or unexplained, that you would like others to know about? If so, let me know. You can reach me at; salsidoparanormal@gmail.com Also, the first-ever book associated with the podcast is LIVE! Salsido Paranormal Experiences is available in Kindle and Paperback editions via the links below. https://www.amazon.com/dp/B0DD3SFF61 Special thanks to The Dust Jacket for all of their help in putting this book together! They have done the visual work for nearly everything you've ever seen associated with my other books and / or podcast. Please check out their work and services via the links below. www.facebook.com/dustjacketcovers https://thedustjacketdesigns.weebly.com/ IF you would like a signed copy of the book, and you live in the US, please reach out to me so we can arrange payment and shipping. You can contact me via social media and / or email me at salsidoparanormal@gmail.com Note that it may take some time to gather the copies and then have them shipped, depending on shipping times both from Amazon to me, and from me to you. Thank you. Follow Mike; https://troubledminds.org/ Follow Jen; https://linktr.ee/jenniferhawkins_arcana You can now listen to 2 episodes of the show every night at 6 pm Pacific / 9 pm Eastern on the Troubled Minds Radio Network KUAP-DB! https://troubledminds.org/troubled-minds-radio-network-kuap-db-listen-now/ Also, if you or anyone you know should ever feel like there is no hope, or help, please consider the information in the link below. Special thanks to Michael Strange for putting this page together. https://troubledminds.org/help/ If you would like to support the show, you can share it with others, buy my books, and / or make donations at the links below. https://salsidoparanormal.podbean.com/ https://www.amazon.com/stores/James-Salsido/author/B01N6RJZKW?ref=ap_rdr&store_ref=ap_rdr&isDramIntegrated=true&shoppingPortalEnabled=true https://www.paypal.com/paypalme/jamessalsido?country.x=US https://www.patreon.com/SalsidoParanormal

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: An issue with training schemers with supervised fine-tuning, published by Fabien Roger on June 27, 2024 on The AI Alignment Forum. This is a rough write-up of ideas by Ryan Greenblatt. The core ideas are his and mistakes are mine. Thanks to him, Buck Shlegeris and to Aghyad Deeb for feedback on the draft of this post. One way to use scheming AIs is to train them to imitate humans. When does imitation robustly avoid frequent and intentional failures? On single-token classification tasks, imitation works great and can allow you to get a lot of high-quality labor with a tiny rate of intentional failures; On tasks that involve generating many tokens, imitation potentially fails by default: schemers could notice when an output was generated by themselves, which enables them to consistently behave badly in deployment while doing best-effort imitation during training. We describe two techniques that avoid imitation failures on generation tasks: A technique that works perfectly but is too expensive A technique that we think works in practice While pure imitation may not be sufficiently competitive, we think it could prove useful for tasks such as: (No-CoT) single-token classification; KL-regularization for RL: we may want to penalize models trained with RL for straying too far from a human imitation prior (and we would want this human prior to not be malign!) (see Appendix); Tasks for which it is fine to take the competitiveness hit from not using RL, but which weaker trusted models are not good enough at.[1] Assumptions In this post, we focus on scenarios where: AIs are smart (around human-level or above); AIs are scheming and know how we are training and deploying them; We want to use these AIs productively (e.g. to do safety research)[2]; Training and deployment tasks are indistinguishable (e.g. because we randomly sampled training tasks from the deployment distribution); SGD works: we ignore gradient hacking and AI architectures where SGD is very sample inefficient; AIs can't cause catastrophes in very few actions (e.g. because they are too weak to break safety measures that address these sorts of concerns); Even when AIs try their best, they can't perfectly predict the probability distribution over the actions that humans[3] would take. Easy-mode: imitating human judgment on classification tasks Here is how you can use an AI to 100x the speed at which you can complete a billion single-token (IID) classification tasks (e.g. detecting software bugs, scoring project ideas, …): 1. Sample 1% of the tasks, and ask humans to label them (using their judgment); 2. Train the AI on that 1% of tasks you have solved yourself, using normal training (e.g. SGD with a cross-entropy loss); 3. Use the AI to solve the remaining 99% of tasks. This will get you an AI which failed intentionally at most a few times in the whole training set because intentional failures would have quickly been trained away[4]. Therefore, you got at most a few hundred intentional failures in the whole set of tasks. That is an intentional failure rate at most around 1/10M, not bad![5] In other words, human imitation avoids intentional low-stakes failures: the model won't often be worse than a best-effort imitation of a human. (But best-effort imitation of a human could be catastrophic if that isn't sufficiently capable.) The basic problem with imitating humans on generation tasks But most tasks we care about involve generating many tokens (e.g. coding a complex experiment, writing a detailed project proposal, …). Does imitation work for such generation tasks? Not quite, here is a problem that could arise if you train an AI to imitate human answers on 1% of tasks and use it on the remaining 99% without additional supervision: On the 1% of training tasks, the AI tries its best to imitate human answers when the star...

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On this episode of IPA's Why, Why & How podcast, Seth Brown welcomes Andria Seip, J.D., M.S., Senior Health Policy Specialist with the Iowa Insurance Division (IID), to discuss the data collected through PBM complaints by Iowa pharmacists and IID's focus going forward.   Connect with us on LinkedIn: Seth Brown Iowa Pharmacy Association   Watch for the next episode of the What, Why & How podcast on the third Friday of the month. Subscribe today so you don't miss an episode!

www.atravelpath.com   00:00 Introduction 03:40 What Does a Typical Day or Week Look Like for a Professional Blogger? 05:22 How Long Did It Take You to Leave Your 9-5 Job? 06:00 What Was the Biggest Challenge You Had to Overcome to Leave Your Job? 08:30 Have You Discovered a Sweet Spot for the Number of Times to Post on Social Media? 12:40 Are Hashtags Still Valuable in Your Posts? 13:18 How do You Use Threads to Grow Your Blog? 13:40 How Long Does it Take You to Post a Blog? 15:15 How Long Should You Try Something New For Before Adjusting? 16:30 How Quick Can Someone Become a Professional Blogger? 17:50 What are Your Favorite Plug-Ins? 19:20 What Changes Have You Seen in the Blog Space? 19:50 What are Your Thoughts on Guest Blogging? 21:50 What Are 3 Tips for Someone Starting a Blog Today? 23:18 What Are Your Most Effective SEO Strategies? 25:45 What are Your Biggest Travel Frustrations? 26:40 What do You Love Most About Your Travel Lifestyle? 27:30 What Does Your Travel Budget Look Like? 29:20 What are Your Best Money Saving Travel Tips? 31:30 What Has Been Your Coolest Travel Experience? 31:50 What is One Thing You Can't Live Without While Traveling? 32:30 What is One Thing You Learned You DON'T Need While Traveling? 34:15 What are Your Safety Tips for Solo Travel? 36:10 How to You Get a Visa to Relocate Overseas? 37:14 How Can Someone Start a Blog?     What an incredible episode! Julie offered so much insight in the blog space after spending over 20 years blogging herself. There is valuable information in here for anyone who hasn't yet started a blog or wants to enhance and optimize what they currently have. In this episode you'll learn about: How Julie left her high paying job to pursue a career in travel 3 important blogging tips she has been sharing with her clients for over 10 years as a blogging coach Some tools and techniques Julie personally uses to enhance her blog and SEO And More!   Julie's Social (California Wayfaring) https://californiawayfaring.com/ YouTube Instagram Facebook X A Lady in London: https://www.aladyinlondon.com/ YouTube Instagram Facebook X   Julie's Blogs Mentioned in the Show: Red Panda Blog Blogging eBook   Julie in the Media NY Times Article National Geographic Article Importance of Authentic Followers   Website Tools SimpleTOC Yoast   Travel Tips TrustedHouseSitters Packing Cubes: https://amzn.to/3I3McA2 Bose Headphones: https://amzn.to/42FZ9JU (We may receive a commission from purchases made on this page)   Resources: Lonely Planet Johnny Jet Blog   Past Episodes #8 With Andy and Rachel   Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/abbynoise/rocky-mountains   *All content from atravelpath.com, including but not limited to The Travel Path Podcast and social media platforms, is designed to share general information. We are not experts and the information is not designed to serve as legal, financial, or tax advice. Always do your own research and due diligence before making a decision.     Transcript from YouTube:   right Julie Falconer thank you for joining hope and ey in episode 14 of the travel path podcast you're welcome so we know you or we knew you on Instagram as California wayfaring and then once we connected and scheduled this podcast we did some research and found out you have a separate blog in a website called a lady in London which we then found out was the top ranked travel blog in the UK You' been to over 112 countries now um we found out you've been a National Geographic and then not only are you a blogger but you also do coaching and speaking you've been speaking to people at universities across the country um so we started thinking who is this person um so I just want to say you know thank you very much for coming on our show uh we appreciate your time looking forward to jumping in here I do want to get into the blog space I think there's a lot of overlap between traveling and blogging so anybody looking to get into that or to grow their blog so be a great episode to tune into um but why don't we first just start by having you share a little about yourself sure so my name is Julie and I'm originally from California and I moved to London in 2007 after quitting a job in finance that I didn't like very much and I had no plan and no job and I started a Blog in the process of moving never thinking it would be anything more than a hobby and two years later blogging became my full-time job uh it was a travel blog it still is um I've been doing it full-time now for over 14 years and it's been a total adventure and like you said um I started with the London blog and then two years ago I started splitting my time between London and California and launched the California wayfaring blog so I'm traveling all over the world I'm running two blogs and uh I'm trying to stay afloat as I do you having a hard enough time as it is with one so to my um what does a typical like a day or a week look like for a professional full-time blogger it depends on the on the day and the week um if I'm at home all week then it's a lot of time at my desk um either catching up from being away from my last trip or getting ahead for going away on my next trip or if I'm lucky enough to be home for a little bit longer um it's a lot of sort of blogging editing photos and videos um responding to emails uh negotiating Partnerships and sponsorships um whatever else comes my way and in between it's a lot of social media because that's my main channel for marketing the blogs sure so it sounds like when you're actually in the places that you're blogging about you're not doing a ton of blogging there you're doing research taking notes and then once you're back home you're taking care of doing all that exactly yeah I mean I'm always working while I'm on the road too but it's more sort of just um you know the bare minimum to keep things going uh so you know responding to emails that I have to respond to or things like that um but I try to spend as much of my time in a destination doing the things that people do there and sort of experiencing the destination so I'm not just working the whole time and missing out on what there is to actually do you mentioned when you had left your job in San Francisco you didn't really think too much about it but I do want to dig into that a little bit this podcast we we spent a lot of um time talking about how people can just start traveling and just getting started so obviously I know you didn't plan a ton there but obviously there was a time frame between when you decided you wanted to exit that job and start this new career and actually doing it so what was that time frame if you can remember know was like 20 years ago but definitely I I do remember so I left a job at an investment bank and I went to a hedge fun and I remember thinking I don't know how this is going to go but I'll give it a year and if I like it at the end of a year then I will stay and if I don't then I'm just going to do something probably move overseas is what I thought and within a very short time I realized I did not like the job and I did want to go so I had about you know 10 or 11 months of lead time to know that I wasn't going to stay past a year and to prepare myself for a for moving overseas and B for just a life change sure great and then during that time frame between when you actually left that 11mon period what was the biggest challenge you had to overcome to make that transition I think for me it was the first of all the decision of where to actually go I knew I wanted to go to Europe because IID studied abroad there in college and I'd spent a couple Summers interning at the US Embassy in Paris and the US mission to the EU so I really liked that part of the world but I had no idea you know how you get a Visa how you actually move overseas so that for me was the biggest challenge of just doing the research from a financial standpoint a lot of people when they want to make that transition especially going overseas or doing something that drastically different um they're saving up a lot of money sounded like you had something in place or a way to make income or or a job lined up I actually didn't but the nice thing about working for a hedge fund is you get paid very well so that was actually the lucky thing for me is I didn't have to worry about the money um the second time around though when I quit my job my first job in London to actually run the blog full-time about two and a half years after that that was when I had to start preparing financially much more and I had a job um in London with a a startup that I worked at for just under a year and I basically spent probably about eight or nine months before I left that job saving up money so every paycheck I would just put some aside until i' saved up a Year's worth of living expenses because I kind of thought okay if I have a Year's worth of living expenses it gives me six months and if I fail you know and fall flat on my face I have six more months to find another job so that was really how it went for me um you know first time I was sort of Lucky and that I didn't need to worry about the financial side but the second time I really was um you know diligent about saving so that I had a cushion in case things didn't go the way I wanted them to sure so long story short it's basically having a Year's worth of savings as a cushion um when you're going to be making a change like that that way if something falls through you have to make another change you have that savings there to you know help you out if you potentially need it yeah and I think I don't I think everybody needs that much I mean I'm definitely one of those people who worries about everything and so for me a year was sort of the minimum I was comfortable with I think some people you know they're like ah it's fine I'll I'll save a couple months and if nothing works then you know I'll figure it out so I think it's it's kind of I definitely worth having a plan but it's different for everybody it's different for everybody yeah um so we'll transition a little bit into the actual blog space you've been blogging for like we said over 20 years now and you're still posting pretty consistently on Twitter on Facebook I see your post PR every time I log in you know you hear all sorts of things of Facebook and Twitter are useless but clearly it's working out for you have you discovered a sweet spot in terms of like the number of times to post on those platforms yeah it it's different for each of the blogs for the London blog I've definitely discovered a sweet spot partly because I've been running the blog for I think over 16 years now um and so over time I figured out you know exactly what works exactly what to share exactly what people like and don't like um and so that's been nice for me to kind of get into sort of a Groove and a routine that I change it up every once in a while obviously because things change and the world changes and social media changes um but I generally with that blog I'll post once a day across all my platforms um with the California one because it's newer um a I'm still learning a lot from that one what people want to see what goes down well what people don't like as much um and B because it's newer I tend to share a little bit more depending on how things are going or what platform it is you know there's there's always that balance you have to strike though because you don't want to share so much that people get annoyed and they're like oh my gosh everything in my feet is you uh but you also don't want to share too little and you know risk people not even really knowing you're there so I think it's a matter of trial and error and testing things and really understanding your audience as well yeah have you figured out how much was too much uh I think depends on the platform you know on platforms like Twitter which are lower volume than they used to be um you know one post a day is probably enough on platforms like uh threads where people are just posting constantly these days you can get away with more um Facebook is always the big one that surprises me because I found once a day is great for me um but I know other people who say they post 25 to 30 times a day on Facebook and that works really well for them so it really depends on you and your strategy and your audience yeah yeah we're just getting started out with the Facebook and the Twitter we I think we just created the account about a month ago and it's been it's been like incredibly slow it's almost you're talking to a wall you post and then like I think we're at like I don't know on Facebook we're at like 50 followers now and then on uh Twitter it's just like seven eight it's it's it's it's gr it's very slow growth yeah it's I mean it's one of those things it's just that repetition but it's like and then but then randomly we'll get some somebody to like our post like a minute after it's been posted and we don't even follow them we have no affiliation with them it's like how is it reaching that person but it's not reaching anybody it's such a tough thing to figure out it seems like yeah sometimes the algorithms working weird and wonderful ways but I think a lot again it's testing things out seeing what works and it's also been consistent um you know I I posted on Facebook I think it was about 10 years every day and you know things grew and I had an okay click-through rate to my blog and then one day uh in I think it was 2020 one maybe a post just went viral and then ever since then my growth has been amazing and I I haven't done anything different it's just one day the algorithm decided that it wanted to show my Stu to more people so sometimes you just don't know uh other times it's more you know again a process where you can really understand uh how the algorithm works better and play that game too um and yeah sometimes it's just a total mystery so almost like there's no real way to figure it out but as long as you're posting consistently at some point whether it's tomorrow or next year at some point it'll hit that algorithm at the right time whatever it is and it'll it'll take off yeah I do believe that and I think also you know it's about being consistent and reaching the audience and the demographic you're trying to reach and if you do that um you know you're bound to to reach those people at some point and you may need to tweak it and you may need to you know change your strategy this way or that way but I do think being consistent is key now you're not hashtagging it doesn't seem like is our hashtag still a thing uh on which platform I think I just saw Twitter uh yeah I don't use hashtags on Twitter that much anymore I haven't found that they're that valuable these days um I use them definitely on Instagram I use them on threads I use them occasionally on Facebook but um yeah again it just really depends on the platform um you had mentioned threads we looked into threads briefly it didn't seem like it was like a platform that would support growing your blog but you do so how are you growing your blog with threads um yeah absolutely I it depends kind of how I'm posting but sometimes I'm just sharing a photo or some kind of content that is just sort of appealing to people which helps build my following and then other times I'm sharing links to my blog um and that way people can you know click on the link come to my blog see what I'm doing now this answer is probably going to vary quite a bit um but for somebody just starting out how long does it take you to to create a blog and I know probably varies by the word count but is there like a ballpark number in terms of like the amount of time per word count you've discovered it really depends what the topic is some topics take a lot longer because there's just more to write other topics are pretty quick um I'd say on average the actual writing part of it takes me anywhere from an hour to two hours maybe three if it's a really long post um but I find a lot of times you know it's it's the writing plus it's adding all the photos adding the videos doing the formatting coming up with titles tagging everything doing the social media for the post so it's it's a lot of work beyond that and that I think for me anyway is what takes the most amount of time it does seem like the writing is like half of it because then it's uploading and then doing the file name so it search engine optimizes and then yeah posting are you doing anything different when you post from Facebook to Instagram because I just take the URL and I'll just post it to that account is there a different way you're doing that for a different social media account yeah I mean I try to post different captions for different platforms or um just different content entirely on some of my platforms certain content works really well that doesn't work at all on other platforms so I tailor everything really specifically to the platform that I'm sharing on to the people who follow me there but um I think again it's a matter of trying what works and sort of seeing what's what's going to do well for you and then keep doing that and uh if something doesn't work then learn from it and you know don't do it again and move on to something how long should you try something before you realize it doesn't work and move on from it I think it depends how badly it does you know if you get no engagement at all then it's probably a pretty clear sign if it's you know a weak response you might TW it and try it again uh one one or two more times but I I found usually in my experience it's pretty clear what people are interested in what they're okay because our approach so far like this year this is the first month of January right now is we were thinking about doing like monthly kind of after Action reviews seeing like going like sitting down seeing what's worked what hasn't worked and then making adjustments then but it sounds like you can almost tell quicker than that almost like a week if you're posting every day you can get feedback pretty instantly yeah and it's a lot of the well I think all of the plat forms save a few give you pretty good analytics on even on the post level so you can look at how the post did what the reach was uh you know click-through rate whatever whatever your metrics are that you're measuring your your success by and you can see that pretty easily so you went pretty quickly so you you left your job and then in within two years you were blogging full-time I feel like that's a pretty quick time frame for somebody to become a professional blogger in terms of somebody starting out to manage their expectations is that still reasonable today how often were you posting during those two years to get you to that point yeah I mean I think there are two things I one I was posting probably once a week in the very beginning um and two I think it's so different now than it was back then I mean in 2007 no one even knew what a Blog was and even when I went professional in 2010 nobody knew what a Blog was um and it was not as easy to monetize blogs it was a very different landscape back then um nowadays it's everybody knows what a Blog is it's very easy to monetize blogs um I know people who go professional full-time with a full-time income in less than six months but you have to be posting every single day uh preferably multiple times a day and putting all your resources into either SEO or social media or both it also depends what uh vertical you're in you know if you're in travel unfortunately we just don't get as much traffic as food blogs or other types of blogs that just get loads and loads of traffic where you can go professional so fast um so again it really depends on you you know the pace that you're going how much time you have to dedicate to it but the good news is is today it's a lot easier to make a full-time income from a Blog than it was back then it is good news yeah right now we're goal this year is to be doing five weeks so Monday through Friday and so far it's the third week in January we've hit it but it is a lot it's a a big big workload yeah have you found like what are your favorite plugins on your website um I don't actually use that many plug plugins partly because they slow your site down and so it's not great to load up too many um I think probably the most important one for me is yoast which is a an SEO plugin that just kind of helps you optimize your blog posts for being found in Google um and it also kind of optimizes your whole site in general for SEO yeah Yos has been great I just I work on getting the uh the green lights there and then it looks good and I hit post nice the table of contents that's something I was I was doing a lengthy blog and I saw another blog that had a table of contents and I was like that was that seems like a really good way to keep readers engaged on there when I searched how to get one onto your blog I came across article saying that this greatly enhances your SEO because not only are you making people stay in your blog longer but you're actually adding those keywords again um do you agree with that yeah I mean I think it's whatever you find works for you SEO is a weird and wonderful thing in that what works for one person might not work for someone else and one strategy that works amazingly for one blog might not work at all for another so I think if you found that that is helpful for you from an SEO perspective then I think it's great I'll put I can't think of the name of it off the top of my head but I'll put a link in the show notes for that plugin we downloaded yesterday um you mentioned the blog space has changed quite a bit in terms of the number of bloggers um since you first started out what other changes have you seen so far I mean huge ones when I first started my my very first blog it was 2002 and you couldn't even put pictures on a Blog it was just writing and text and there was no social media Facebook didn't even exist yet um and today you know we've got you can do so much with a Blog and social media is everywhere and so I think that's probably the biggest change is just there's a lot more that you can do with a Blog and there's a lot more that you can do to Market your blog what are your thoughts on guest blogging guest blogging you as a blogger guest blogging for someone else or or I guess either or and I I asked that because we I just got a I've gotten like a couple inquiries over the past couple days like people they'll go to our contact us box and they'll ask about Guest blogging like oh reach out to us pay us x amount and we we have 50 million viewers you know we'll get um so I guess the first part would be guest having someone else guest blog for you that's what it looked like they were trying to do yeah I think that's fine as long as they're a legitimate person with without an agenda of trying to get you to add you know spamy back links to their website or something like that um 99% of people who approach you to guest post on your are those people um they're just SEO people who are trying to get you to do that and that's not great for you or your blog um but if it's you know if it's somebody who genuinely has an expertise in the topic that you blog about and you think that they're you know going to be a good person to write for you I think that's great so I know you had mentioned uh in a video previously that it's really important to having authentic followers on your account similarly with guest bloggers how what's a good way to make sure that anybody you're bringing on is an authentic guest blogger I think usually it's prettyy easy it's a matter of looking at who they are what they do if they've sent you a link to their website or what they're trying to uh promote and it looks legitimate then it's probably is if they're promoting you know teeth whitening toothpaste and you're a travel blog then Pro probably not a great fit so I think a lot of it is just common sense and kind of you know if it if it looks like a duck and it walks like a duck and that kind of thing I would air on the side of caution anyone from a corporate standpoint going a guess blog probably it wants the SEO uh value out of it they're not doing out of the goodness of their heart so I would be very skeptical there but if it's a blogger or somebody like that and they have a legitimate blog and they want to write for you um you know that's something you can think about what are some of the best tips you would have for somebody looking to start their blog today I would say so basically I've spent I think I spent 10 years teaching classes about blogging I've written eBooks about how to blog I do Consulting and coaching for bloggers on how to blog and the number one thing I always say is there are three things it takes to be successful as a blogger especially in the beginning and those are time patience and consistency uh first one's the most important you got to put the time in I think a lot of people hear these get-rich quick schemes or oh start a blog and you'll make millions and this and that and and people think it's going to happen overnight and it does not and it takes a huge amount of time to actually even set up a Blog let alone put content on it let alone Market it and get the traffic to it um patience is is the second one it kind of go to what I said it doesn't happen overnight for 99.9% of people uh you really have to be patient and you can't give up just because you know the third day and you don't have 10,000 followers uh and consistency and that is the key to being successful as a blogger you have to publish consistently you have to be consistent with marketing it on social media if that's what you're deciding to do or doing your SEO if you want to go that route or both if you're going to go down the middle um and those things are really key to being successful as a blogger right so time patience consistency I just want to repeat that because keep in mind everybody she's been blogging for 20 years and she's been telling people this exact same tip for 10 years so that's got to be the key time patience consistency what have been some of your most effective SEO strategies you know I think it's a combination of on page SEO and off page so you know making sure all your posts are optimized in terms of the keywords that you choose and how you're structuring your site and all that kind of thing is important and then off page you know you want to get those backlinks from other places around the web you can be as assertive about that as you want to I mean some people are really um you know out there trying to get their backlinks other people including myself uh Focus just more on producing and creating high quality content so people will want to link back to it naturally um but again it's really up to you there's so many different strategies for SEO so many ways to do keyword research um I think everybody finds their own path in terms of how focused they they are on it how much they do uh about it but it is definitely an important part of blogging if you want to be found in Search and if you want to grow your site that way um I just my number one piece of advice though is you know be aware of scuzzy tactics if you're using what they call black hat SEO tactics you're probably going to get penalized by Google at some point and you don't want that to happen because you lose all your traffic that black hat that's like if you're making text like invisible but the keywords um what are other black hat techniques I guess yeah I mean there are a lot of them that's one of them buying or Andor selling links um that's a big one for Google um any kind of any kind of thing that sort of web spam keyword stuffing so repeating the same keyword you know 500 times in one blog post like it's a lot of it is just common sense if it doesn't seem like it's something you're probably supposed to do it probably isn't something you're supposed to do if it reads awkwardly because you have too many keywords and that's probably that's why I like yoast is it'll tell you if you have too many keywords or not enough keywords so I'm glad that you use the same um the plugin that we have I know there's a ton of different plugins out there so that's cool that we're using the same one yeah yeah for sure awesome well that was an incredibly fastpaced conversation about blogging I was trying to take notes and mental notes at the same time I feel like I've just got to relist this entire thing to get the everything we talked about but um yeah that was that was some great information I think we'll transition a little bit into more of the travel lifestyle cuz this is a travel podcast too um but yeah do you have anything to add hope no I think um it just transitioning into travel would be great and so you can let us know some of your frustrations currently that you face while you're traveling uh I think to be honest it it sort of depends where I am when I'm in California with my California waering hat on and I'm traveling um most of my travel here is road trips whether it's a day trip or a weekend trip or a multi-day multi-week trip um and usually my biggest frustration is just traffic which you know we all have to deal with when we're driving somewhere especially if it's a rush hour or a city or whatever so you know that is what it is uh when I'm in London it's more more of my trips are uh trips require flying and um I would say the number one frustration is just how difficult it is to fly anymore you know airport security has just gotten more and more tedious um Airlines have just started charging for literally everything you have to pay to breathe now um so it's just you know one of those things that just it is what it is but it's not uh it's not my favorite part of traveling pivoting from that what do you love most about your travel lifestyle I love the independence and freedom that I have and it's funny because sometimes it's more perceived Independence and freedom than it is actual uh because it is a lot of work to run one blog and it's a huge amount of work to run too and so I you know I work seven days a week 365 days a year there's no time off I haven't had of vacation in 14 years since I started doing this full-time but I do get to call the shots on my schedule I do get to travel all over the world all the time so again it's it's freedom and Independence uh or at least the perception thereof that that I love about it and if you were traveling consistently so it sounds like your travel lifestyle it changes quite often you're traveling full-time and then you're back home doing a lot of stuff catching up and doing your blogs um if you were traveling consistently for a week or for a month what would that budget look like yeah it for me it really depends where I am uh you know if I'm in a part of the world where cost of living is very uh low compared to what I'm used to then my budget is going to be a lot smaller than if I'm traveling in let's say you know London or San Francisco which are very expensive um so for me budgeting is a lot about backing into uh what my my costs are probably going to be in terms of accommodation food uh anything I want to do in terms of sightseeing or tours or something like that um looking at again cost of living average prices and then kind of saying okay based on all of those things I probably should budget X for this trip do you have any examples of any lower cost of living countries you've been to yeah I mean all over the world I'd say um you know for in Europe uh Portugal tends to offer really good value uh it's a great destination and every time I go I'm always pleasantly surprised by the costs um a lot of there are a lot of countries uh in the eastern part of Europe that tend to be really reasonable too Romania is great for that um and then I'm trying to think where else I've been the last few years Central America I had a great time there and it was not you know prohibitively expensive in most of the countries that I went to um yeah but again I could name I could name more south southeast Asia there's some countries I've been to Africa there's countries I've been to it just it just depends where you go think we talked before the podcast started we haven't been overseas quite yet where we we're kind of wanting to more and more after you we're watching videos and seeing blog posts about it and it's beautiful out there Portugal particular we watched a video on that a little while ago and didn't realize how beautiful that country was so great so someone looking to start traveling maybe on a budget maybe consider some of those countries that Julie just named what has been your best some of your best money-saving travel tips so far that's a good question and again I think it depends where you go um if you're traveling you know again to Europe and you're open to where you go I would say you know again research what countries aren't going to be as expensive as others so again Portugal for example or Romania or something like that um or if you're going to Asia you know you might want to choose let's say Thailand over Japan where your money is just going to go farther um I'd also say in terms of just everyday things um you there are lots of different little ways that you can save money um uh going to a grocery store instead of eating out the whole time you know accommodation if you can do uh something like uh trusted house sitters or one of those where you get accommodation for free in exchange for pet sitting for somebody instead of paying for accommodation those are great ways that you can start really saving a lot of money if you're interested in doing that method of house sitting or pet sitting you can listen to episode 8 we had Andy melon who had talked about how they still to this day they do that they travel they' been to Hawaii for free because they pet sit it pretty incredible to opportunities there a couple more questions before we start wrapping up part one here what has been the coolest experience so far traveling wow I think probably for my birthday a few years ago I went to Nepal and I did not do the usual thing people do in Nepal um instead because my favorite animal is the red panda uh I spent a week tracking red pandas in Nepal and it was amazing I stayed with host families and different Villages uh went tracking red pandas every day got to see two of them which was very exciting um and it was just a great experience it was a great cultural experience um it was an amazing experience just to be in nature all day tracking these pandas and it was nice because I did the whole trip through a charity and you know it was great to be able to know I was supporting conservation efforts while I was doing it yeah sounds incredible sounds you were tracking them were you expecting to see I know you saw it two is it rare to see them it is fairly R to see them yeah they're just there there aren't that many of them and they tend to hide in trees so it's not easy to spot them even when they are around I'm sure you have a Blog and some photos about it so we'll add that to the show notes this episode here yeah great um over your 20 years of blogging and traveling what has been one thing that you learned you can't live without noise cancelling headphones that's 100% I I don't know if I'm just very sensitive to noise or or what but if I'm on a flight or a train or wherever I am I have to have noise ging headphones it keeps me saying uh blocks out a lot of annoying noise in airports or wherever I am and it's definitely definitely my my go-to sure do you have any brand recommendations that you use yeah I I've always been pretty loyal to Bose I just got a new pair for Christmas of the uh the wireless ones that use Bluetooth and they've been amazing so far so I definitely recommend those awesome yeah good tip um contrary to that what has been one thing you've learned that you don't need a suitcase uh I'm a big never check a bag person I've been interviewed about it in the New York Times I've written blog posts about it um I'm very diard uh don't overpack don't bring more than you need and a lot of times things you think you need you really don't need them um so definitely be a minimalist capsule wardrobe travel size every everything roll your clothes um you don't need to bring that big bag use the packing cubes I I you know I have never Ed them but I know people who swear by them so I think they're great if you want to do it yeah yeah we swear by them so don't check a bag you're bringing probably a carryon and then a backpack maybe how long are you traveling for when you're not checking a bag I've done it up to three weeks before um I did laundry once in the middle I didn't rewear anything people are always like oh that's so gross but I really I really was actually clean the whole time don't worry um but you know it depends where you're going to where I was going for 3 weeks it was very warm and so my clothes were pretty small if I were going skiing for three weeks it probably wouldn't have worked because you need a lot more clothes so it depends but yeah I got away with it for three weeks at one point well one of us here I'm not going to name names so if we're packing for a weekend you'll think we're moving our entire house that's all right that's all right I understand I'm getting better that's good yeah it takes time hence the pack in cubes you've been to 112 countries so you have been through tons of different airports and solo travel and I'm sure travel in groups do you have any safety tips for traveling as a Solo Traveler or in a group yeah I mean for me it's always been a matter of just using Common Sense uh you know don't walk down a dark alley by yourself at night um don't go out and get too drunk or do too many drugs alone and then not know where you are and not be able to get home uh you know it sounds obvious but you know it's it's worth at least pointing out um I think also not as big of a deal I think in a lot of places in the US um as much as it can be in Europe although it does happen everywhere is you know just keep your bag closed and on your person and don't you know walk around flaunting valuables everywhere um that kind of thing can always be a good idea don't leave your bags unattended don't leave them you know sitting somewhere on public transport and walk away um but again a lot of it is just more common sense than anything else yeah absolutely do you find that you're traveling solo mostly or I know that you got engaged recently do you get to bring your um fiance on these trips with you ever uh it's it's a huge mix I do a lot of solo travel I do a lot of group travel and I do a lot of travel with either friends or my fiance or or whatever else so um it's it's a always a a crapshoot in terms of what I ends up doing yeah perfect well it's probably nice to be able to have that variety so you know you can get that solo time with yourself and really focus in on you know whatever country you're in to blog and get all the information but I'm sure it's wonderful to you know have your significant other or your friends with you just to travel and enjoy we typically just travel the two of us so this is all we know but that's not bad no it's not we like each other so it works out if you could have listened to this podcast when you were first starting out when you made that transition from your job in San Francisco what is one question I didn't ask tonight that you would ask and how would you answer that now I probably would have asked about visas is in terms of living overseas you know how do you even do that how do you get a visa do you need a job to get a visa and a Visa get a job that whole thing I had to sort of figure that out on my own and it wasn't the easiest thing to figure out um but I did um and I think that's probably something that I would have wanted to know and to get your visa was that just a lot of time involved in that or how was that process and we're not going to go into too big detail into it but um I guess kind of roughly yeah it took a couple months it wasn't as timec consuming as as you might think um there's the application is long and it's very detailed but if you are you know T ticking all the boxes and doing everything they ask you to do uh it didn't actually take too long um again this was a long time ago so it could be different now and it certainly wait times vary depending on what's going on with the government um but it's a lot of times you know once you figured out how to do it it's just a matter of applying if you're eligible and then waiting great and then if somebody were wanted to get into the blogging lifestyle and become a professional blogger but haven't started yet what is one thing they could do today to get them going well they could start a blog today that's always a good way to start the thing is I from years and years of teaching blogging and coaching on blogging I've realized that people think blogging is much more sort of intimidating and difficult than it is um starting a blog just creating a Blog takes about a minute and a half um it's the everything you put on to the blog content wise that takes a long time and so I think people put off actually even creating a Blog because they just think it's going to be so hard or so much work um and really all they need to do is go to whatever website they want to start a blog on and create a username and a password and you basically have a Blog after that so I think the the number one piece advice I give people is don't be afraid of it just start it's easy now with me there's so many YouTube tutorials and it's so userfriendly WordPress or whatever site you're using to actually create that website and start blogging do you feel that cuz we're in the real estate business and we've heard in in this kind of business people they they just don't start it's intimidating and once they start things start moving smooth and they start moving faster one of the big handicaps is just starting it's it's ring it's intimidating do you see that a lot with the blog space too where once people actually take that leap then they get more comfortable and it grows and it moves forward but what's the biggest thing that prevents people from getting started once people get started is it easier and and I think absolutely it is and I think the biggest thing that prevents people from starting is like I said just fear or intimidation or thinking it's going to be too hard but I definitely think once people get started you know they get that momentum going and then it's easier every day all right excellent when you were starting out in San Francisco and even today were there any other bloggers or YouTube channels or even books that influenced you and helped you get to where you are today to be honest when I was first starting there wasn't anything I mean I don't YouTube barely existed and there certainly weren't any blogs or or any books on blogging um so it really was just a matter of kind of stumbling through it myself and then there was a small blogging Community online you know in the very very early days um through like Lonely Planet forums and things like that and we all kind of found each other and started following each other's blogs um but I I you know I would say for me it was more in my blogging Journey after a few years of it once I started networking with people um I definitely found inspiration in blogs like Johnny jet if you've come across his blog it's great um lots of uh good like airline miles and credit card point points tips on his blog in addition to everything else um so that's one that I have always just really loved and admired great so we'll put a link to Johnny jet in the show descriptions as well as every the other resource we talked about today and one last question Julie where can my audience find out more about you well my blogs are a lady in london.com and California wearing. comom and then I'm all over social media on both of them with both of those names excellent I can vouch for that she's all over the place thanks again for coming on you're welcome thanks for having me

On this edition of the Iowa Business Report: Providing information on how to plan, save, and earn money is the focus of the Iowa Insurance Division's SmartHER money program; we'll have details from IID consumer advocacy officer Sonya Sellmeyer.Fully half of U.S. workers say they are "not engaged" with their jobs...which has a huge negative impact on productivity. And in this week's "Business Profile", you'll hear from Ryan Coane, president of Ivy Health Care Group, which operates two facilities in Iowa.For more, go to totallyiowa.com and click on the "radio programs" link.    Support for the Iowa Business Report radio program and podcast comes from the Iowa Business Council, online at iowabusinesscouncil.org.           

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Today we are heading south to a town called Davie, just outside of Florida's Gold Coast. It is a small town where not a lot happens, and that is precisely how the townfolk like it. A massacre in this sleepy town would disrupt the calm community, leaving them in fear. It would take a long time to finally get justice, but how the case unfolds is genuinely one of the most bizarre.Join Jen and Cam on this episode of ‘Our True Crime Podcast' entitled 'Death in Davie: Donna Decker.'Promo by our friends Whitney and Melissa over at @NavAdvocacyPod. Check them out today!Listener Discretion by the oh-so-talented @octoberpodVHS All Music by our EP Nico @theinkypawprint (formally known as @wetalkofdreams) Sourceshttps://law.justia.com/cases/florida/supreme-court/1996/84198-0.htmlhttps://caselaw.findlaw.com/court/us-11th-circuit/1717231.htmlhttp://library.law.fsu.edu/Digital-Collections/flsupct/dockets/sc07-564/07-564ini.pdfhttps://mycrimelibrary.com/dana-williamson-florida-death-row/https://mycrimelibrary.com/dana-williamson-florida-death-row/http://www.floridacapitalcases.state.fl.us/inmatedetails8a88.html?IID=87https://www.sun-sentinel.com/news/fl-xpm-1994-07-16-9407150625-story.htmlhttps://www.sun-sentinel.com/1990/05/04/invasion-victim-arrested-davie-home-robbery-killed-woman-wounded-3-in-1988/https://casetext.com/case/williamson-v-state-296https://www.scribd.com/book/195157649/Until-Proven-InnocentThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/3647242/advertisement

Track Listing:1 Nielsen: Symphony No. 1 in G Minor, Op. 7: / I. Allegro orgoglioso 09:202 II. Andante 07:473 III. Allegro comodo 07:494 IV. Allegro con fuoco 08:58 5 Symphony No. 2, Op. 16 The Four Temperaments / I. Allegro collerico 10:066 II. Allegro comodo e flemmatico 04:567 III. Andante malincolico 12:568 IV. Allegro sanguineo 07:02 9 Symphony No. 3, Op. 27 Espansiva / I. Allegro espansivo 11:0910 II. Andante pastorale 10:3811 III. Allegretto un poco 06:4312 IV. Finale. Allegro 10:52 13 Symphony No. 4, Op. 29 The Inextinguishable / I. Allegro 12:2114 II. Poco allegretto 04:3215 III. Poco adagio quasi andante 10:4716 IV. Allegro 08:51 17 Symphony No. 5, Op. 50: Ia. Tempo giusto 10:2918 Ib. Adagio 08:5219 IIa. Allegro 06:1420 IIb. Presto 02:5821 IIc. Andante poco tranquillo 04:2022 IId. Allegro 02:5623 Symphony No. 6 Sinfonia Semplice / I. Tempo giusto 14:2724 II. Humoreske 04:1125 III. Proposta seria 05:2726 IVa. Allegro – Tema. Allegretto un poco 00:5827 IVb. Var. 1 00:3228 IVc. Var. 2. Allegretto quasi andantino 00:2829 IVd. Var. 3. Più vivo – Var. 4. – Var. 5. Brioso 02:1730 IVe. Var. 6. Tempo di Valse – Var. 7 02:1131 IVf. Var. 8. Molto adagio 03:0232 IVg. Var. 9. Tempo di tema 00:2833 IVh. Fanfare 01:44Help support our show by purchasing this album  at:Downloads (classicalmusicdiscoveries.store) Classical Music Discoveries is sponsored by Uber and Apple Classical. @CMDHedgecock#ClassicalMusicDiscoveries #KeepClassicalMusicAlive#CMDGrandOperaCompanyofVenice #CMDParisPhilharmonicinOrléans#CMDGermanOperaCompanyofBerlin#CMDGrandOperaCompanyofBarcelonaSpain#ClassicalMusicLivesOn#Uber#AppleClassical Please consider supporting our show, thank you!Donate (classicalmusicdiscoveries.store) staff@classicalmusicdiscoveries.com This album is broadcasted with the permission of Crossover Media Music Promotion (Zachary Swanson and Amanda Bloom).

Carol and Reggie Sumner were high school sweethearts in the late 1960s, but after graduation they broke up and went their separate ways. 40 years later, after both of their respective marriages ended in divorce, the pair reconnected through a random unintentional phone call. Within days of this chance encounter, the two were happily going on dates again as if they were picking up right where they left off in high school. The pair would get married and move to Florida where they planned to live out their days, relaxing on the beach and enjoying each other's company. However, shortly after moving to "The Sunshine State" a very unexpected guest would turn up at their front door, who would ultimately change their lives forever. DISCLAIMER: This podcast is the remastered audio from a popular video on my "MrBallen" YouTube channel. The video is called "Her evil plan put her on death row" (Here is the link to the video -- https://www.youtube.com/watch?v=-8gIahvAcas) For 100s more stories like this one, check out my YouTube channel just called "MrBallen" -- https://www.youtube.com/c/MrBallen If you want to reach out to me, contact me on Instagram, Twitter or any other major social media platform, my username on all of them is @mrballen SPOILERS BELOW THIS POINT: . . . . Main Sources: 1. TV show "Your Worst Nightmare" Season 2 Episode 3 called "Unexpected Company" -- Can watch here: https://www.youtube.com/watch?v=maoFMeh_vew&list=ELTJzy3jnp90K_z5-2I5nIcw&index=4 2. TV show "Wicked Attraction" Season 4 Episode 7 called "Good Deeds Punished" -- Can watch here: https://www.amazon.com/gp/video/detail/amzn1.dv.gti.b6a9f7a1-8a2c-be89-90b5-ac5a589052fc?ref_=imdbref_tt_wbr_pvc_truecrime&tag=imdbtag_tt_wbr_pvc_truecrime-20 3. The Terrible Crimes Committed by Women on Death Row -- https://www.news.com.au/world/north-america/the-terrible-crimes-committed-by-women-on-death-row/news-story/609aef00619fe1393f987e90e14c9665 4. Forum discussing the case -- http://www.cncpunishment.com/forums/showthread.php?3193-Michael-James-Jackson-Florida 5. Post and Courier publication, coverage of case -- https://www.postandcourier.com/news/shockingly-evil/article_508fba1e-e979-58ab-abd0-c69da7f93141.html 6. Grave site information for the Sumners -- https://www.findagrave.com/memorial/61805920/james-reginald-sumner/photo and more here https://www.findagrave.com/memorial/61805959/carol-margaret-sumner 7. Florida capital cases information -- http://www.floridacapitalcases.state.fl.us/inmatedetails9682.html?IID=415 8. Court proceedings -- https://casetext.com/case/jackson-v-state-3904 9. Of Myth and Mercy Podcast on YouTube -- https://www.youtube.com/watch?v=KnVyiamgd4c