Podcasts about New Jersey

KB is BACK and kicks things off recapping the Phillies series win against the Padres at The Bank. He discusses the DOMINANT pitching performances by Zack Wheeler and Cristopher Sanchez and why we're witnessing Philly sports GREATNESS with Wheeler. Then he discusses Mick Abel's struggles, some Underground Stats & Info, and he touches on a trade rumor involving the Phillies, the Pirates, and what would be an ELECTRIC bullpen entrance at The Bank during Red October! Onboarding Form: forms.gle/mZYnkiQcGv1ZxBSg9 Voicemail Line: speakpipe.com/UndergroundSportsPhiladelphia Support Our Sponsors! The City of Vineland: Visit www.vinelandcity.org/ and stay connected with the community and learn about important announcements, programs, and services offered by the city! Vineland, New Jersey... Where It's Always Growing Season! Rita's Italian Ice & Custard of Sewell, NJ: Visit Rita's in Sewell, NJ at 288 Egg Harbor Road and enjoy the best italian ice, cream ice, custard, and more all season long! Ice-Custard-Happiness '47 Brand Shop for your favorite sports fan and get FREE SHIPPING on ALL orders with '47 Brand! 47.sjv.io/e1Nyor Kenwood Beer Visit kenwoodbeer.com/#finder and see who has Kenwood Beer on tap in YOUR area and crack open an ice cold Kenwood Beer to celebrate Victory Monday and the holiday season! (MUST be 21+ to do so and PLEASE drink responsibly.) Merch & Apparel: www.phiapparel.co/shop + Use Code "UNDERGROUND" for 10% off! FOCO Get 30% OFF, In-Stock Products using code JULYSALE30 foco.vegb.net/19zzYg Follow Us! Twitter: twitter.com/UndergroundPHI Instagram: www.instagram.com/undergroundphi/ TikTok: tiktok.com/@undergroundphi KB: twitter.com/KBizzl311 Watch LIVE: YouTube: www.youtube.com/@UndergroundSportsPhiladelphia FB: facebook.com/UndergroundSportsPHI Twitch: twitch.tv/UndergroundsportsPHI Intro Music: Arkells "People's Champ" Outro Music: Arkells "People's Champ" #fyp #Phillies #RingTheBell #Baseball #MLB #RitasPartner #download #review #subscribe

Check out friends at Reuther for all your paving needs with Nicolock https://www.reuthermaterial.com/BUY OUR MERCH HEREJoin the mail bag by leaving a voicemail at: 908-67-9999-3Our personal Instagrams:SoboChomikJimmyJordanWelcome back to The Garden State, the only NJ podcast that gives you all the news you need to know this week. Thanks for tuning in once again and for supporting the podcast. If you're enjoying the show, make sure to leave us a review! We love reading those!Follow us on all our socials to keep up to date with that and everything else happening. https://linktr.ee/thegardenstate

Send us a textWelcome back to Laundromat News Today! In this episode, your favorite laundromat news anchor, Jordan Berry, delivers a whirlwind tour of the latest stories from the world of laundromats. Jordan kicks off with a bit of humor before spotlighting cutting-edge technology, like a robotic folder being trained to fold laundry more efficiently, and sparks a conversation about whether this innovation is the solution we've all been waiting for—or just a solution looking for a problem.We get updates on GE's major move to bring washing machine production back to Kentucky and dive into a heated local dispute between a laundromat owner and a town mayor in New Jersey, all underscoring the importance of having a solid, long-term lease. Jordan also takes a closer look at the recession-proof reputation of laundromats, discussing industry statistics and giving listeners a reality check on success rates.Plus, you'll hear about laundromat owners making a positive impact by hosting farmer's markets for their communities, and even take a quick trip to Japan, where a laundromat offers a quirky spin on the “American” laundry experience. Finally, Jordan teases some exciting new resources in the works at Laundromat Resource for owners and future owners alike.Tune in for industry insights, community highlights, and a dash of fun on this week's roundup of Laundromat News Today!Show notes: https://www.laundromatresource.com/laundromat-news-july-4-2025/Have news, big or small, about your laundromat or your laundromat industry-supporting business? Send your press release to news@laundromatresource.com to be featured on a future episode of Laundromat News Today.Don't Miss Out! Make sure you're subscribed to the Laundromat Resource Newsletter to catch all links, articles, and updates from this and every episode. If you have thoughts on AI folding robots—or anything else laundromat related—reply and let us know! We love hearing from you.Join: https://www.laundromatresource.com/events/Email: jordan@laundromatresource.comConnect With UsYouTubeInstagramFacebookLinkedInTwitterTikTok

Help us expand our Muslim media project here: https://www.thinkingmuslim.com/membershipDonate to our charity partner Baitulmaal here: http://btml.us/thinkingmuslim Modern day autocrats turn to Sufi movements to justify their tyranny. With an emphasis on the personal and the spiritual, there is a tendency towards political quietism –dismissing the cries of Gaza – condoning normalisation and delegitimising struggles for liberation. Dr Shadee El-Masry, argues that historically, sufi movements have been at the fore of fighting for justice. Sufism produced illustrious anti-colonialism struggles and courageous warriors. Dr Shadee El-Masry is the scholar in Residence and Director of Education and Community Affairs at the New Brunswick Islamic Center in New Jersey. He is also the founder and head of Safina Society—an institution dedicated to the cause of traditional Islamic education in the West.You can find Dr Shadee here: IG: https://www.instagram.com/drshadeeelmasry/ X: https://x.com/DrShadeeElmasryYouTube: https://www.youtube.com/@SafinaSociety Safina Society: https://www.safinasociety.org/Become a member here:https://www.thinkingmuslim.com/membershipOr give your one-off donation here: https://www.thinkingmuslim.com/donateListen to the audio version of the podcast:Spotify: https://open.spotify.com/show/7vXiAjVFnhNI3T9Gkw636aApple Podcasts: https://podcasts.apple.com/gb/podcast/the-thinking-muslim/id1471798762Purchase our Thinking Muslim mug: https://www.thinkingmuslim.com/merchFind us on:X: https://x.com/thinking_muslimLinkedIn: https://www.linkedin.com/company/the-thinking-muslim/Facebook: https://www.facebook.com/The-Thinking-Muslim-Podcast-105790781361490Instagram: https://www.instagram.com/thinkingmuslimpodcast/Telegram: https://t.me/thinkingmuslimBlueSky: https://bsky.app/profile/thinkingmuslim.bsky.socialThreads: https://www.threads.com/@thinkingmuslimpodcastFind Muhammad Jalal here:X: https://twitter.com/jalalaynInstagram: https://www.instagram.com/jalalayns/Sign up to Muhammad Jalal's newsletter: https://jalalayn.substack.comWebsite Archive: https://www.thinkingmuslim.comDisclaimer:The views expressed in this video are those of the individual speaker(s) and do not represent the views of the host, producers, platform, or any affiliated organisation. This content is provided for lawful, informational, and analytical purposes only, and should not be taken as professional advice. Viewer discretion is advised. Hosted on Acast. See acast.com/privacy for more information.

Business partners draft contracts. Investment partners sign agreements. But when it comes to marriage – one of the most important partnerships of all – too many couples skip the financial conversations that matter most.In this episode of The Agent of Wealth Podcast, host Marc Bautis is joined by Dr. Travis Parry, #1 bestselling author of Achieving Balance and Marry and Grow Rich. With a master's in psychology and a PhD in Family Relations, Dr. Parry has spent his career studying the intersection of money, marriage, and mindset. He's the founder of the Make Time Institute, an international speaker, host of The Balanced Growth Show, and a dedicated husband of 22 years and father of eight.Together, they explore how couples can align their values, grow their wealth as a team, and avoid the burnout that can sabotage both relationships and financial success.In this episode, you will learn:Why a strong marriage can be your most valuable asset, and how aligned values between spouses directly impact long-term wealth.How subconscious money beliefs passed down through generations can shape your financial behavior – and what to do about it.The key to balancing entrepreneurship, family life, and financial success without burning out.Why open communication and shared financial planning are essential to a thriving marriage and business.And more!Resources:Episode Transcript & Blog | marryandgrowrichbook.com | maketimeinstitute.com | The Balanced Growth Show | Achieving Balance | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory Call

The Declaration of Independence was passed by the Second Continental Congress 249 years ago today. New Jersey is filled with a number of sites connected to the American Revolution, including here in Union County. It's not only historic locations that have a connection with the past, but there are people who can trace their ancestry to that time period. Cranford resident Chris Sands is the president of the New Jersey Society of the Sons of the American Revolution.  The SAR is active with a number of events connecting New Jersey to its revolutionary past. After a career in the US Army, retiring as a Lieutenant Colonel, Chris became involved in the SAR. We talk about the organization, his involvement and his connections to the birth of the United States.

In this episode, we sit down with Paul Putera — a hardcore bowhunter out of New Jersey who's made a name for himself in the Big Woods. Paul is a serious tracker who specializes in backtracking bucks and getting in tight on mature deer. He shares some incredible stories from the woods, breaks down his approach to reading sign, and offers a ton of practical tips for anyone looking to up their game in tough country.

In this episode of the Wing and Tail Outdoors podcast, Chris Romano discusses various hunting regulations and changes across northeastern states, including Maryland, Delaware, New Jersey, Pennsylvania, New York, Connecticut, Massachusetts, Vermont, New Hampshire, and Maine. Some states had some big wins, while others are still fighting for things like Sunday hunting and stocking programs. Youth programs are changing for the better, while multiple states also take action against the dwindling turkey population. Chris also shares personal reflections on the challenges of forgiveness and the importance of forest management for wildlife populations. The episode emphasizes community involvement in wildlife management and the significance of public lands. VitalizeSeed.Com RackGetterScents.Net Firenock.com WingAndTailOutdoors.Com https://nestedtreestands.com/WT10  Discount Code WT10 Learn more about your ad choices. Visit megaphone.fm/adchoices

Ken Rosato Fills In For Mark. Minority Leader of the U.S House of Representatives Hakeem Jeffries is on the stand debating President Trump's Big Beautiful Bill. P Diddy was denied bail yesterday. Was Diddy overcharged on his charges? We had a great job's report today! Ken Interviews New Jersey State Senator Mike Testa. Mike breaks down the Tax Issues in NJ and how we should fix it. Is Delaware and New Jersey in a small feud with NJ's shoreline's? Ken Rosato Fills In For Mark. We have to lower interest rates to get the housing market back up and running strong. Joey Chestnut will make his return to the Nathan's Hot Dog Eating Contest in Coney Island tomorrow. Ken Interviews Republican Nominee Councilman Frank Morano. Ken and Frank break down Mamdani's policies and how it will destroy jobs in NYC. How is Frank making out, as he is pushing to make parts of New York better as the City Councilman.

Ken Rosato Fills In For Mark. Minority Leader of the U.S House of Representatives Hakeem Jeffries is on the stand debating President Trump's Big Beautiful Bill. P Diddy was denied bail yesterday. Was Diddy overcharged on his charges? We had a great job's report today! Mark Takes Your Calls! Ken Interviews New Jersey State Senator Mike Testa. Mike breaks down the Tax Issues in NJ and how we should fix it. Is Delaware and New Jersey in a small feud with NJ's shoreline's?

Mike breaks down the Tax Issues in NJ and how we should fix it. Is Delaware and New Jersey in a small feud with NJ's shoreline's?

Mike breaks down the Tax Issues in NJ and how we should fix it. Is Delaware and New Jersey in a small feud with NJ's shoreline's? See omnystudio.com/listener for privacy information.

Ken Rosato Fills In For Mark. Minority Leader of the U.S House of Representatives Hakeem Jeffries is on the stand debating President Trump's Big Beautiful Bill. P Diddy was denied bail yesterday. Was Diddy overcharged on his charges? We had a great job's report today! Mark Takes Your Calls! Ken Interviews New Jersey State Senator Mike Testa. Mike breaks down the Tax Issues in NJ and how we should fix it. Is Delaware and New Jersey in a small feud with NJ's shoreline's?See omnystudio.com/listener for privacy information.

Ken Rosato Fills In For Mark. Minority Leader of the U.S House of Representatives Hakeem Jeffries is on the stand debating President Trump's Big Beautiful Bill. P Diddy was denied bail yesterday. Was Diddy overcharged on his charges? We had a great job's report today! Ken Interviews New Jersey State Senator Mike Testa. Mike breaks down the Tax Issues in NJ and how we should fix it. Is Delaware and New Jersey in a small feud with NJ's shoreline's? Ken Rosato Fills In For Mark. We have to lower interest rates to get the housing market back up and running strong. Joey Chestnut will make his return to the Nathan's Hot Dog Eating Contest in Coney Island tomorrow. Ken Interviews Republican Nominee Councilman Frank Morano. Ken and Frank break down Mamdani's policies and how it will destroy jobs in NYC. How is Frank making out, as he is pushing to make parts of New York better as the City Councilman. See omnystudio.com/listener for privacy information.

EZ off till Monday, 7/7. Enjoy two Patreon encore "Who Are These Zanes?" showsNotes from ep 39: Concrete Biting Man? WTH?Ben and EZ had fun with a "2-era EZ show"  We dipped into May of 2003 as EZ was teamed up with Greg and Chris from the comfy studio confines of Princeton, New Jersey as "The Hawk Morning Show" was taking flight.  This incarnation of EZ was garbage, like the rest of them, but you get the feeling that EZ has no idea how horrible he was with jokes and timing.  However, EZ's lackluster performance is covered up by telling various New Jersey audience members that they are "deaf, stupid, fat, ugly...etc."  Then, Ben and EZ travel back six years to The Joe and the Poorboy Show.  This era of EZ makes "the Jersey years" sound like radio hall of fame material.  EZ (and Joe) may be the two most insensitive people on planet earth as they chuckle along to a story about some poor dude who fell from the upper deck of the Silverdome, to his death at a Rolling Stones concert.  Get ready to feel awkward...it's episode 39 of WATZ?Notes from ep 40: "A Cloudburst of Rain!"Ben went way back on this episode to review EZ's ability to make commercials that air on the radio station, as well as "comedy" bits that would air on the "Mark and Joe Morning Show" on Z 93.  The commercials featured EZ trying to sound like a "big voice" talent for bands that were a huge pile of shit.  Next, EZ tries to sound like a pervert, wacking-off while talking about an adult film star showing up at the local titty-bar.  Finally, we here the "Cecyl with a Y" voice during a poorly written comedy bit. EZ may have spread himself too thin on this one as he plays three of the 4 characters used in this shitty bit.EZ focused on his early interviewing skills with former 1st round NBA draft pick, Mark Macon.  This is a perfect example of how shitty someone can sound when listening skills aren't being used.Support this podcast at — https://redcircle.com/the-eric-zane-show-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Join Joe Pisapia, Andrew Erickson, and Terrell Furman Jr. as they preview the AFC West from a betting perspective! Timestamps: (May be off due to ads) Intro - 0:00:00 AFC West Coaching & Personnel Changes - 0:00:30 Novig Promo - 0:13:06 AFC West Win Totals Breakdowns - 0:14:05 Division Winner Futures - 0:24:27 Best Bets & Wild Cards - 0:27:22 BettingPros App - 0:32:10 Helpful Links: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bet365 - Bet365 has a special offer for our listeners! Turn five dollars into one hundred and fifty dollars of bonus bets when you join Bet365. To claim the offer, just go to bettingpros.com/365 and deposit at least ten dollars. If you place a bet of at least 5 dollars, you’ll earn 150 dollars in bonus bets. Again, that’s bettingpros.com/365. 21+ Only. Must be present in Arizona, Colorado, Illinois, Indiana, Iowa, Kentucky, Louisiana, North Carolina, New Jersey, Ohio, Tennessee, or Virginia. Gambling problem? Call 1-800-GAMBLER or 1-800-BETS OFF (if you live in Iowa). Terms & Conditions Apply* ⁠⁠⁠⁠Novig - Looking for a smarter way to bet on sports? There's a new sports trading platform that's changing the game -- it's called Novig. It’s legal in most states, including Georgia, California, and Texas. It’s peer-to-peer, which means you’re competing against other users, not the house. You can often get better lines than traditional books. You can set your own lines, which gives you control that most sportsbooks just don’t offer. There are no commissions or hidden fees — seriously. It uses a coin deposit system, but it’s REAL money. And you can use code DAILYJUICE for 50% off your first coin purchase, up to $25. Check it out now at bettingpros.com/novig. See omnystudio.com/listener for privacy information.

Our guest is Takahiro Sakaeda who is the chef/partner of Nami Nori https://www.naminori.us/.  Nami Nori is a unique concept of temaki sushi bar that serves open-style hand rolls on a U-shaped stand. Since its opening in 2019 in New York, Taka has created many fans of his beautifully made, casual and high-quality sushi.  Now he operates four locations of Nami Nori in New York, New Jersey and Miami. But his success didn't come easily.  Taka spent 10 years at Masa, one of the best sushi restaurants in the U.S. with three Michelin stars and acquired an authentic mindset and sushi-making techniques under the master chef Masayoshi Takayama. In this episode, we will discuss how Taka grew up in the U.S. under Japanese parents and got into cooking against their will, what he learned from the master chef Masa Takayama, the unique concept of Nami Nori, his original culinary vision that merges two cultures of Japan and the U.S., his new 10 counter-seat restaurant in Miami and Japanese bakery in New York and much, much more!!!

Send us a textWhat happens when the government decides it needs your land? Does the Constitution really allow officials to seize your family home, farm, or business property against your will? The answer might disturb you.Attorney Clint Schumacher, a leading eminent domain expert, joins us to unravel the complex world where constitutional rights, property ownership, and government power collide. Schumacher pulls back the curtain on a legal process that affects countless Americans but remains widely misunderstood.We explore the landmark Kelo v. City of New London case that dramatically expanded government's ability to take private property, allowing cities to seize homes for economic development rather than traditional public uses like roads or schools. This controversial Supreme Court decision sparked nationwide outrage and legislative reforms, yet many property owners remain vulnerable.The conversation takes a deeply human turn as Schumacher describes families losing properties held for generations – land that forms part of their identity, not just their assets. We examine the Henry family farm in New Jersey, owned by the same family for 175 years, now threatened by condemnation for affordable housing. This poignant example highlights how even worthy public goals create profound private sacrifices.We also demystify the compensation process, revealing the often significant gap between government appraisals and true property value. Schumacher explains why property owners frequently feel shortchanged even when receiving "just compensation," especially when forced to pay their own legal fees from their settlement amounts.Whether you're a property owner concerned about your rights or simply want to understand this fascinating intersection of law, economics, and human dignity, this episode provides crucial insights into a power that Schumacher calls "a necessary evil." Despite its importance for infrastructure development, nothing government does to innocent citizens feels more invasive than taking their property against their will.Have questions about your legal rights? Contact us at producer@evenlegal.com. And while we sound smart and lovable, remember: we're not your lawyers, and this isn't legal advice!Our Guest: Clint SchumacherClint Schumacher focuses his litigation practice on eminent domain and government taking litigation. Clint has represented property owners of all sizes that are being impacted by public projects. Before joining his present firm, Dawson & Sodd, Clint represented regional toll authorities and mass-transit authorities in some of the largest projects in north Texas. Clint's dedication to excellence has led to him receiving the designation of Counselor of Real Estate, as well as that of Texas Super Lawyer in Eminent Domain by Texas Lawyer magazine in 2014-25. He has also been recognized by D Magazine as one of the top lawyers in Dallas.  In 2021, Clint released a book on resiliency called Second Wind: Decisions the Resilient Make to Overcome Adversity. Clint is married to his college sweetheart, Jennifer, and they have three boys. Clint is also a dedicated football coach, having coached at Trinity Christian Academy (2016–2025) and Dallas Bills (2009-2017). He is a member of the Texas State High School Coaches Association and the American Football Coaches Association.

New Jersey Freelancers and Gig App Platforms went spoke at a New Jersey hearing pushing to END Independent Contractors. If you are not from New Jersey, you still need to watch this! Make sure to comment on keeping the right to remain self employed below: https://www.saveindependentwork.org/nj  

Dear Article Clubbers,Thank you for the kind birthday wishes last week. It's true that our reading community is 10 years old. And we're just getting started!Just like that, we're in July, which means this week's issue is dedicated to featuring the article of the month and encouraging you to join our discussion.I'm happy to announce that this month, we're going to be diving into “The End of Children,” by Gideon Lewis-Kraus. Published in February in The New Yorker, the article explores the imminent stark drop in population around the world, most notably in South Korea.Don't worry: Even though the declining human fertility rate has become a political topic in the United States, this piece is nuanced and deeply reported. I'm certain you'll appreciate it, even if you end up disagreeing with the writer's stance.Inside today's issue, you'll find:* Melinda and my first impressions of the article (on the podcast)* My blurb about the article* A short bio of the author* A warm invite to join our discussion on July 27If you can't be bothered by all of that, and just want to sign up for the discussion right here and now, by all means, please do!The End of ChildrenGrowing up, I worried about many things. One source of worry was my family's evacuation plan in case of fire; it wasn't robust enough. Another source was the world's exponential population increase, which would inevitably doom us.Turns out, at the time, my concern was not unfounded. In 1968, Paul Ehrlich wrote in The Population Bomb that millions of people would die of starvation unless governments aggressively curtailed the fertility rate. But instead of population rising without bound, the opposite has happened. In 2023, for the first time ever, because on average each woman had fewer than 2.1 children (the “replacement rate”), the world's population shrank. All projections say this trend will continue, until one day, there won't be enough people for us to sustain as a species.In Seoul, where writer Gideon Lewis-Kraus focuses this article, “children are largely phantom presences.” There are more dogs than children. Ask anyone on the street, a Korean demographer said, and they'll know the country's fertility rate. (It is 0.7, the lowest in the world.) Kids bring ick. Many businesses are “no-kids zones.”The United States (fertility rate: 1.6) is headed in a similar direction, Mr. Lewis-Kraus argues. The truth is, for whatever reason (and there are many), younger Americans no longer think having children is an inevitability. As immigration declines, and climate concerns rise, and structural inequities worsen, our country may face the same problem as Korea. And that could lead to catastrophe.Should we care about the declining fertility rate? Or is it just a misogynistic conservative ruse to distract our attention from the deleterious effects of climate change? In my opinion, this is the first article written by a progressive that has looked seriously at the issue and presented it to a mainstream audience.By Gideon Lewis-Kraus • The New Yorker • 42 min • Gift Link➕ Bonus: Here's the article with my handwritten highlights and annotations.About the authorA staff writer at The New Yorker, Mr. Lewis-Kraus grew up in New Jersey and graduated from Stanford. He writes reportage and criticism and is the author of the digressive travel memoir A Sense of Direction as well as the Kindle Single No Exit. Previously, he was a writer-at-large at The New York Times Magazine, a contributing editor at Harper's magazine, and a contributing writer at WIRED magazine. He has lived in San Francisco, Berlin, and Shanghai, and now lives in Brooklyn with his wife and two small children. Mr. Lewis-Kraus generously recorded an interview with Article Club, which will be published in two weeks.About the discussionMy hope is that you'll read “The End of Children” and want to talk about it! (Even though we don't “debate” at Article Club discussions, I predict this topic will lead to a spicier-than-usual conversation.)We'll be meeting up on Zoom on Sunday, July 27, 2:00 - 3:30 pm PT. We'll spend the first few minutes saying hi and doing short introductions. Then after I frame the piece and share our community agreements, we'll break out into small, facilitated discussion groups. The small groups usually include 5-8 people, so there's plenty of time to share your perspectives and listen to others. That's where we'll spend the bulk of our time. Toward the end, we'll return to the full group, sharing our reflections and appreciations of fellow participants.If this sounds interesting to you, sign up by clicking on the button below.If you're unsure, I get it. If you don't know me, it might feel strange to sign up for an online discussion with total strangers. But I am confident that you'll find yourself at home with other kind people who like to read deeply and explore ideas in community. We've done this 58 times, and by now, it's not a surprise that we're able to create an intimate space, almost like we're in the same physical room together.I hope that you read the piece. If it resonates with you, I encourage you to take the plunge and join us on July 27!Thank you for reading and listening to this week's issue. Hope you liked it.

In this raw, inspiring, and unfiltered conversation, EJ Snyder—decorated Army Ranger, elite survivalist, and reality TV legend—shares the life journey that shaped his warrior mindset. From growing up in a tough New Jersey neighborhood and facing relentless bullying, to becoming a Sergeant Major with two Bronze Stars and the Legion of Merit, EJ's path is a testament to resilience, grit, and leading from the front.But his military service was just the beginning…You may know him from Naked and Afraid, Dual Survival, and First Man Out. What you may not know is how deeply personal his battles have been—and how those experiences fuel his mission to help others survive life, not just the wild.If you're looking to develop mental toughness, rediscover your inner fire, or understand what it truly means to be a badass—this episode is for you.In this episode:Why mindset—not muscle—is your greatest assetWhat Army Ranger School taught him about pain, pressure, and purposeHow surviving the wild mirrors surviving life's emotional battlesBehind the scenes of Naked and Afraid (including a moment that needed 8 stitches)What defines a true badass—and why it may look different than you thinkWhy humility, kindness, and honor are part of the warrior's code

Leonard Marshall is the oldest of seven children from the rural town of Franklin, Louisiana. Hegraduated from Franklin High School in 1979 and attended Louisiana State University (LSU). Heattended LSU from 1979 until he was drafted from LSU in the spring of 1983.  Leonard Marshall was coached by legendary LSU coaches Jerry Stovall and Pete Jenkins. Leonard Marshall played in the NFL for 12 seasons. He was drafted in the Second Round of the1983 NFL Draft as a rising Junior at LSU by the New York Giants and played for most of his career in New York. After being drafted in 1983, he initially resided in Secaucus, New Jersey before residing in Jersey City, New Jersey. Leonard Marshall was coached by Hall of Fame Coach Bill Parcells and former NY Giants Defensive Coordinator and future Hall of Fame Coach Bill Belichick. During his tenure with the Giants, he was part of the “Big Blue Wrecking Crew”, won two Super Bowl rings (1986 & 1990) and was twice Named second-team All-Pro (1985 & 1986) and twice named to the Pro Bowl team (1985 & 1986). In September 2022, he was inducted into the New York Giants Ring of Honor and recognized for his work bringing awareness to CTE in professional football players. After football, Mr. Marshall attended Seton Hall University towards an MBA in Finance. He previously held his Series 7 and 63 licenses and worked for a number of years as a Registered Investment Advisor. In 2007, Leonard returned to Seton Hall, as a Professor of Finance and Sports Management. Leonard Marshall also accepted a seat on the Board of Directors for Louisiana State University's Diversity Board; and serves as a Board member for Carver Bank, Piketx.com, and the Concussion Legacy Foundation. He currently serves in the capacity of Outside Advisor for Moldaver Lee CohenRockefeller Global Family Office. He is currently mentoring an Autistic child in NJ. He has a daughter named Arianna and a stepson named Victor and a grandson. He often visits his home state of Louisiana. He is a fan of LSU and loves to visit LSU and its football program. He previously lived in Hudson, Bergen and Passaic Counties of New Jersey and Boca Raton, Florida. He currently resides with his wife, Lisa Marshall in Ocean County in New Jersey. Enjoy. Work With Us: Arétē by RAPID Health Optimization Links Visit [www.leonardmarshall.com] Explore the Concussion Legacy Foundation at https://concussionfoundation.org Learn more about Bag the Violence at https://www.bagtheviolence.com   Anders Varner on Instagram Doug Larson on Instagram Coach Travis Mash on Instagram

Join Seth Woolcock, Chris Welsh, and Joe Orrico as they highlight their favorite futures bets to make across MLB as the second half of the season kicks off! Timestamps: (May be off due to ads) Intro - 0:00:00 MVP Picks - 0:03:32 Cy Young Picks - 0:09:33 BettingPros Systems Tool - 0:16:43 Season Win Totals - 0:17:16 Division Winners - 0:21:34 Make/Miss Playoffs - 0:29:42 World Series Winner - 0:34:57 FantasyPros on Twitch - 0:39:45 Trade Deadline Impact Watch - 0:40:14 Big Longshot Bet of The Month - 0:47:14 Outro - 0:51:10 Helpful Links: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bet365 - Bet365 has a special offer for our listeners! Turn five dollars into one hundred and fifty dollars of bonus bets when you join Bet365. To claim the offer, just go to bettingpros.com/365 and deposit at least ten dollars. If you place a bet of at least 5 dollars, you’ll earn 150 dollars in bonus bets. Again, that’s bettingpros.com/365. 21+ Only. Must be present in Arizona, Colorado, Illinois, Indiana, Iowa, Kentucky, Louisiana, North Carolina, New Jersey, Ohio, Tennessee, or Virginia. Gambling problem? Call 1-800-GAMBLER or 1-800-BETS OFF (if you live in Iowa). Terms & Conditions Apply*See omnystudio.com/listener for privacy information.

Send us a textWhat if getting hit by a car could be the best thing that ever happened to you? For Jason Yarusi, this seemingly catastrophic moment became the catalyst that transformed his life from angry, unfulfilled NYC bartender to multimillion-dollar real estate investor and mentor.In this riveting conversation with Grant McGaugh, Jason reveals how rock bottom became his foundation for extraordinary success. Born and raised in New Jersey, Jason found himself working dead-end jobs in Manhattan, blaming everyone but himself for his circumstances. Then came the night that changed everything – flying through the air after being struck by a vehicle, his first thought in the hospital was getting back to the job he hated to make rent. This jarring realization forced him to confront a powerful question: would he continue accepting chaos and complaining, or finally take control of his destiny?Jason walks us through his remarkable journey from small, intentional changes to massive transformation. From owning bars and restaurants to helping scale his family's construction business after Hurricane Sandy, he continually bumped against the same limitation – being "the cog in the wheel" that prevented true freedom. Everything changed when he discovered apartment building investing as a solution to the time-freedom problem, building teams and systems that could operate without his constant presence.The conversation delves deep into the mindset shifts that powered Jason's success: understanding the difference between working IN versus ON your business, learning to let go of perfectionism, surrounding yourself with capable team members, and viewing problems as opportunities rather than obstacles. Now with over 30 real estate transactions totaling more than $300 million, Jason shares how his Live 100 program helps others transform their lives through accountability, self-awareness, and strategic action.Whether you're struggling to break free from limiting circumstances or looking to scale your existing business beyond dependence on your personal time, this episode offers actionable insights on building sustainable success. Connect with Jason through the Live 100 podcast or visit jasonyarusi.com to learn how you can apply these principles to your own journey.Thanks for tuning in to this episode of Follow The Brand! We hope you enjoyed learning about the latest marketing trends and strategies in Personal Branding, Business and Career Development, Financial Empowerment, Technology Innovation, and Executive Presence. To keep up with the latest insights and updates from us, be sure to follow us at 5starbdm.com. See you next time on Follow The Brand!

New Jersey owner tells customer to 'eff' off. A woman asks men to send in their best Tim Allen impressions. Plus. 7/11 day is coming up. Are you okay with this? See omnystudio.com/listener for privacy information.

Wednesday, and it's David Waldman and Greg Dworkin's last live appearance before Explodey Day! Probably not their last alive appearance, though. They don't seem the types to screw around with such things. Zohran, the Destroyer! Zohran, the Magnificent! Zohran, the Relatable! Nothing scares Democrats more than winning, because if you win... you could lose. And yet… sometimes a win or two will slip in, like in New Jersey, or maybe around San Diego. Of course, winning just invites death threats. Don't worry Dems, Trump says he holds all the levers, and well, he kind of does. Paramount anted up its $16 M (to make $8 B), and the bag gets passed back to CNN. Lisa Murkowski got hers, if you want any, you be a Senator. Trump had a great time in the undrained swamp. What is it about “Alligator Alcatraz” that seems to resonate with MAGA? Does it harken back to a time America could rediscover its lost… greatness? Sean “Diddy” Combs escaped sex trafficking and racketeering charges but was convicted of a prostitution offense. Jimmy Swaggart would probably forgive that, but can't look to Donald Trump for forgiveness, for the moment. Jared L. Wise, who wanted to kill police on Jan 6, has been given an opportunity to do so at the DOJ. University of Virginia president James E. Ryan took one for the team, and the team's hundreds of millions in federal funding and resigned, to give Trump his biggest kill yet. LOL libtards! What happened to all that tariff disaster you said was heading our way? Wait… Oh, this just in….

50:43- Corey Lewandowski, Trump 2024 Senior Official, joins Joe Piscopo to discuss the progress made in the White House since Trump stepped back into the Oval Office and the latest status on the Big Beautiful Bill. Topic: Big Beautiful Bill, joining Trump at Alligator Alcatraz 59:16- Grover Norquist, President of Americans for Tax Reform, joins Joe Piscopo to discuss the plans for tax ramifications as a result of the Big Beautiful Bill being passed and how it positively affects New Jersey. Topic: Tax ramifications of Big Beautiful Bill 1:24:49- Daniel Hoffman, Ret. CIA Senior Clandestine Services Officer and a Fox News Contributor joins Joe Piscopo to discuss the latest surrounding Israel and Syria and what to expect when Netanyahu meets with Trump. Topic: Syria and Israel, Gaza ceasefire, Netanyahu to meet with Trump 1:34:29 - Dr. Theodore Strange, Chairman of Medicine at Staten Island University Hospital and Associate Regional Physician Executive for Northwell Health, joins Joe Piscopo to discuss the positive effects of napping for babies and the benefits of rest for the brain as you get older, but not a full night's sleep. Topic: How naps impact health 1:47:15- Congressman Mike Haridopolos, Republican representing Florida's 8th Congressional District, joins Joe Piscopo to discuss the Big Beautiful Bill and his role as representing the Florida 8th Congressional District. Topic: House to vote on Big Beautiful Bill, Alligator Alcatraz 2:01:10- Alan Dershowitz, Harvard Law Professor Emeritus, host of "The DerShow," and the author of "The Ten Big Anti-Israel Lies: And How to Refute Them with Truth" and the new book "The Preventative State.", joins Joe Piscopo to discuss the Diddy trial and the latest legal news of today. Topic: Trump's settlement with Paramount, Sean "Diddy" Combs' partial verdict, other legal news of the day 2:08:26- Michael Goodwin, Chief Political Columnist for the New York Post, joins Joe Piscopo to discuss the New York Democratic Mayoral race and Mamdani’s campaign. Topic: "Cuomo remains NYC’s best shot to keep socialist Mamdani from being mayor – or the city will never be the same" (New York Post op ed)See omnystudio.com/listener for privacy information.

Dr. Steven Flanagan, a nationally renowned expert in the field of traumatic brain injury (TBI), has worked at the Rusk Rehabilitation Institute at NYU Langone Health since 2008. He serves as the Howard A. Rusk Professor of Rehabilitation Medicine and Chairperson of the Department of Rehabilitation Medicine at NYU Grossman School of Medicine. A former President of the American Academy of Physical Medicine & Rehabilitation (PM&R), he is certified by the American Board of PM&R (Brain Injury Medicine). A graduate of the University of Medicine & Dentistry of New Jersey, he completed his medical residency at Mt. Sinai Medical Center/Cabrini, Rehabilitation. Part 2 The discussion covered the following topics: Rusk's interprofessional approach to patient care, future hiring needs, health promotion efforts to enhance health of staff, preparing Rusk residents for the future in health care, and putting patients first.  

In this episode, Dylan Silver interviews Bruce Parker, a seasoned real estate broker and owner of the Best School of Real Estate in New Jersey. Bruce shares his journey into real estate, transitioning from a trucking business to becoming a full-time realtor. He discusses the challenges and opportunities in the New Jersey real estate market, the impact of deregulation, and strategies for investors in a potentially down market. Bruce emphasizes the importance of local knowledge in real estate and explores creative financing options for aspiring investors. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

When Death of the Fox Brewing Company opened eight years ago, co-founder Chuck Garrity wanted to make sure its Clarksboro, New Jersey-based taproom stayed busy day and night.    So to “maximize” Death of the Fox's taproom investment and utility, the company launched by also offering coffee service, Garrity shared during the first edition of the Brewbound Podcast's Learning Lounge: Taproom Tactics series.    Offering coffee was part of a total beverage mindset that covered an overlap between beer drinkers and coffee connoisseurs, while adding a revenue stream in one of the strictest operating environments for craft brewery taprooms.    “My goal was to always have an on-site coffee roastery,” Garrity explained. “So to be able to produce and roast the coffee in the same way that we produce fresh beer for the brewery. In the same respect, we're doing that with the coffee. To me it just made sense in terms of a business model.”   Building an on-site roastery during the COVID-19 pandemic was “a game changer” for the business due to taproom shutdowns. It's now become the dominant portion of the brewery's business.   “When we first opened, beer was about 75%, 80% of our sales,” he said. “Now, flash forward eight years later, coffee, in terms of the total company, is about 70% of our sales. Beer is about 20% to 25%.”   Garrity added that the brewery's beer sales are still strong, and he's confident that “beer's not going anywhere.” But his philosophy is to “follow where the river takes you, don't fight against the current,” and Death of the Fox's customers were telling him that while they liked the combination of beer and coffee, they really loved the coffee.   Listen for more from Garrity on Death of the Fox's mix, growing the coffee side of the business amid strict restrictions on beer and advice for adding an attractive coffee menu.    Before this week's featured interview, Jess, Zoe and Justin break down what Barrel One Collective's acquisition of Greater Good Imperial Brewing Company brings to the platform. And the trio play Another Round or Tabbing Out on 1990s nostalgia seeping into CPG, with more waterbed and Jelly shoes talk than you'd expect.

2:36:16 – Frank in New Jersey, plus the Other Side. Topics include: Mongolian Seating Area, depressing/liminal seating areas, walk around block, frost flame, fasting, teas, fads, China Cat Sunflower, King’s X, Christian rock, sunflower and C.S. Lewis synchronicities, Google – Meet AI Mode, finally got Conkdor in Mario Kart World on Switch 2, riichi mahjong, Phish in […]

Today on the show, Justine and I were joined by Ryan Struck of Scary Hours. We chat about how music early on made an impact in Ryan's life , the New Jersey music scene, how Scary Hours provides an outlet for Ryan, how we can be there for our community and so much more.-------------------------------------------Find Scary Hours:Instagram:https://www.instagram.com/scaryhoursnjall links in one place: https://linktr.ee/scaryhoursnjtiktok: https://www.tiktok.com/@scaryhoursnj?is_from_webapp=1&sender_device=pcSpotify:https://open.spotify.com/artist/2tELPK5RtwLFtDJ4q8zrCO?si=yabxDi1GTDK3wflYO2pSmQApple Music: https://music.apple.com/us/artist/scary-hours/1441720697----------------------------------------We talked about Safe Scene NJ so here is the link for that!: https:/linktr.ee/safescenenj----------------------------------------Find Stereo Therapy:Insta https://www.instagram.com/stereo.therapywebsite: https://www.stereotherapypod.comtiktok: https://www.tiktok.com/@stereo.therapy?is_from_webapp=1&sender_device=pc-----------------------------------Stereo Therapy Theme song by Walwin!Insta: https://www.instagram.com/walwin.mp3

The multi-talented award-winning New Jersey singer/songwriterMelissa Pettignano talks about her releases ”Gave You One More Chance , “DearLord Jesus”, “It's All For You” and more! Melissa began her amazing career at 2singing and dancing to Connie Francis, the Supremes with her love for doowop andperformed at 7 in school and talent shows, plus her father & aunt sang asRickie & Vickie with a 1960's hit “Joanie/Why Are You So In Love”, and is anaccomplished author, actress, model with many stories behind the music andmore! Check out the amazing Melissa Pettignano and her latest releases on allmajor platforms and www.melissapettignano.comtoday! #melissapettignano #newjersey #singersongwriter #doowop#gaveyouonemorechance #dearlordjesus #itsallforyou #conniefrancis #thesupremes#rickieandvickie #joanie #spreaker #iheartradio #spotify #applemusic #youtube#anchorfm #bitchute #rumble #mikewagner #themikewagnershow #mikewagnermelissapettignano#themikewagnershowmelissapettignano 

The multi-talented award-winning New Jersey singer/songwriterMelissa Pettignano talks about her releases ”Gave You One More Chance , “DearLord Jesus”, “It's All For You” and more! Melissa began her amazing career at 2singing and dancing to Connie Francis, the Supremes with her love for doowop andperformed at 7 in school and talent shows, plus her father & aunt sang asRickie & Vickie with a 1960's hit “Joanie/Why Are You So In Love”, and is anaccomplished author, actress, model with many stories behind the music andmore! Check out the amazing Melissa Pettignano and her latest releases on allmajor platforms and www.melissapettignano.comtoday! #melissapettignano #newjersey #singersongwriter #doowop#gaveyouonemorechance #dearlordjesus #itsallforyou #conniefrancis #thesupremes#rickieandvickie #joanie #spreaker #iheartradio #spotify #applemusic #youtube#anchorfm #bitchute #rumble #mikewagner #themikewagnershow #mikewagnermelissapettignano#themikewagnershowmelissapettignano 

2:36:16 – Frank in New Jersey, plus the Other Side. Topics include: Mongolian Seating Area, depressing/liminal seating areas, walk around block, frost flame, fasting, teas, fads, China Cat Sunflower, King’s X, Christian rock, sunflower and C.S. Lewis synchronicities, Google – Meet AI Mode, finally got Conkdor in Mario Kart World on Switch 2, riichi mahjong, Phish in […]

I'm relaunching Sessions With Mary Jane, every Wednesday on The Gotham Network at lnhstudios.com/sessionswithmmaryjane. Sessions With Mary Jane is a Cannabis infused podcast hosted by stoner comedian and filmmaker, Jordan Fried.  It features interviews from musicians, filmmakers, comedians, politicians, writers and business owners along with solo concept episodes.  While all guests do not necessarily partake, the one requirement is that they are pretty chill, man.  Listen for untold stories, how to guides, deeper dives and expanded curiosities. Your source for all things New Jersey, Hudson Valley and NYC.  New Episodes every Wednesday with exclusive bonus content. An LNH Studios podcast on the Gotham Network. Produced by the Gotham Network.Catch Jordan's debut special, When The Edible Hits, on all platforms by going to lnhstudios.com/whentheediblehitsJordan Fried is a SAG AFTRA comedian and filmmaker from Warwick, NY currently based in Rutherford, NJ. His debut comedy special and album, When The Edible Hits, is out on YouTube, Spotify, Apple Music, X, Facebook and Vinyl.  He is the co-director, co-writer and star of Beware The Horn, a film about a film school graduate that stumbles upon an improv troupe that he thinks is a cult.  He also appeared as the Young Peter Madoff in Madoff : Monster of Wall Street. He studied Digital Media Production and English at Tulane University, where he was a member of Cat Mafia Comedy. He's performed at Rhino Comedy, Eastville Comedy Club, Hell Yes Fest, Binghamton Comedy and Arts Festival, New Orleans Comedy and Arts Festival and Northern Virginia Comedy Festival. He produced the comedy variety show, Circuit Break; Late Night Hump at NJ Weedman's Joint; and he is a founding member of the improv troupes, Duly Noted and The Mutts.  He taught media, podcasting and comedy classes for Montclair Film, Blue Sky Kids and Educate The Block.  He recently worked as the operations manager at The Williams Center in Rutherford, NJ.LNH Studios is a comedy and video production company based out of Rutherford, New Jersey. It is comprised of the comedy trio Late Night Hump, consisting of Reena Ezra, Jordan Fried, and Brendan O'Brien.LNH Studios focuses on producing:PodcastsFilmsComedy shows and series (including sketch comedy, improv, stand-up, musical improv, and variety shows)They also offer classes and workshops related to comedy and production, and their services extend to recording audio and video, and scriptwriting. You can find more information and contact them through their website, lnhstudios.com, or by phone at +1 845-545-0284.

In the FINAL episode of StraightioLab recorded before Sam's wedding, we dive into the straightest topic of all time: Fantasy sports. "Returning champ" (phrase we just learned) Devon Walker (SNL, his brand new podcast MY FAVORITE LYRICS) joins us to answer such questions as: Is fantasy football kind of like Harry Potter fan fiction? Could a gay guy in New Jersey get into gambling? And finally: Is it gay or straight to opt out of things? GET TICKETS TO OUR SUMMER/FALL TOUR HERE: linktree.com/straightiolabCALL US at 385-GAY-GUYS to leave questions and comments for our next surprise call-in show and you just might hear your call on your favorite podcast. STRAIGHTIOLAB MERCH: cottonbureau.com/people/straightiolab SUBSCRIBE TO OUR PATREON at patreon.com/straightiolab for bonus episodes twice a month and don't forget to rate and review us on Apple Podcasts! See omnystudio.com/listener for privacy information.

KB & Intern Jacob are BACK and kick things off recapping the Phillies bouncing back against the Braves. They discuss the series, some new trade rumors, and why this Phillies team is as good as they are. Then they discuss the latest Underground Stats & Info, recap the NBA and NHL Drafts, including KB's invite to the Flyers draft party. Then KB discusses the lastest with the Union and the Waterdogs locking in a franchise first in San Diego! Onboarding Form: forms.gle/mZYnkiQcGv1ZxBSg9 Voicemail Line: speakpipe.com/UndergroundSportsPhiladelphia Support Our Sponsors! The City of Vineland: Visit www.vinelandcity.org/ and stay connected with the community and learn about important announcements, programs, and services offered by the city! Vineland, New Jersey... Where It's Always Growing Season! Rita's Italian Ice & Custard of Sewell, NJ: Visit Rita's in Sewell, NJ at 288 Egg Harbor Road and enjoy the best italian ice, cream ice, custard, and more all season long! Ice-Custard-Happiness '47 Brand Shop for your favorite sports fan and get FREE SHIPPING on ALL orders with '47 Brand! 47.sjv.io/e1Nyor Kenwood Beer Visit kenwoodbeer.com/#finder and see who has Kenwood Beer on tap in YOUR area and crack open an ice cold Kenwood Beer to celebrate Victory Monday and the holiday season! (MUST be 21+ to do so and PLEASE drink responsibly.) Merch & Apparel: www.phiapparel.co/shop + Use Code "UNDERGROUND" for 10% off! FOCO Get 30% OFF, In-Stock Products using code JULYSALE30 https://foco.vegb.net/19zzYg Follow Us! Twitter: twitter.com/UndergroundPHI Instagram: www.instagram.com/undergroundphi/ TikTok: tiktok.com/@undergroundphi KB: twitter.com/KBizzl311 Watch LIVE: YouTube: www.youtube.com/@UndergroundSportsPhiladelphia FB: facebook.com/UndergroundSportsPHI Twitch: twitch.tv/UndergroundsportsPHI Intro Music: Arkells "People's Champ" Outro Music: Arkells "People's Champ" #fyp #NBA #NBADraft #NHLDraft #Phillies #Waterdogs #RitasPartner #download #review #subscribe

Make the most of a lesser field that tees of in the Midwest this week; Join Pat Fitzmaurice and Bo McBrayer for their top 2025 John Deere Classic picks and predictions! Is Ben Griffin (+1600) worthy of being the betting favorite? Does Michael Thorbjornsen's (+3000) consistency make him a threat to win? Plus, can Cristobal Del Solar (+100000) be the latest longshot to cash for the boys? We dive into the betting odds, analyze the favorites and long shots, and reveal our top betting card selections. Plus, we reveal our one-and-done picks to help you maximize your winnings for the PGA season! Timestamps: (May be off due to ads) Intro - 0:00:00Rocket Classic Recap - 0:00:17 BettingPros App - 0:05:56TPC Deere Run - 0:06:42Novig - 0:10:34The Favorites - 0:11:44The Mid-Range Plays - 0:18:24The Longshots - 0:21:46Betting Cards Review - 0:24:53One-&-Done Selections - 0:25:33Outro - 0:26:17 Helpful Links: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bet365 - Bet365 has a special offer for our listeners! Turn five dollars into one hundred and fifty dollars of bonus bets when you join Bet365. To claim the offer, just go to bettingpros.com/365 and deposit at least ten dollars. If you place a bet of at least 5 dollars, you’ll earn 150 dollars in bonus bets. Again, that’s bettingpros.com/365. 21+ Only. Must be present in Arizona, Colorado, Illinois, Indiana, Iowa, Kentucky, Louisiana, North Carolina, New Jersey, Ohio, Tennessee, or Virginia. Gambling problem? Call 1-800-GAMBLER or 1-800-BETS OFF (if you live in Iowa). Terms & Conditions Apply* ⁠⁠⁠⁠Novig - Looking for a smarter way to bet on sports? There's a new sports tradingh platform that's changing the game -- it's called Novig. It’s legal in most states, including Georgia, California, and Texas. It’s peer-to-peer, which means you’re competing against other users, not the house. You can often get better lines than traditional books. You can set your own lines, which gives you control most sportsbooks just don’t offer. There are no commissions or hidden fees — seriously. It uses a coin deposit system, but it’s REAL money. And you can use code DAILYJUICE for 50% off your first coin purchase, up to $25. Check it out now at bettingpros.com/novig. See omnystudio.com/listener for privacy information.

Christian Polanco and Alexis Guerreros chat with New Jersey Governor Phil Murphy as they preview the 2026 World Cup. The boys talk all things New Jersey as the state gets ready to host the 2026 World Cup Final at MetLife Stadium next summer. Governor Murphy also reveals how he fell in love with soccer and what the sport means to him and his family.Governor Murphy then addresses safety concerns for fans around the world and in this country in the midst of an uncertain political climate ahead of this World Cup. Will fans from other countries feel safe as they visit the USA next summer? Can American fans enjoy games without feeling targeted by ICE or other immigration law enforcement?Later, Christian and Alexis get to know Governor Murphy better and play their favorite game: Promotion or Relegation? (1:00) - NJ Gov. Phil Murphy joins the show(10:30) - Phil Murphy's soccer origin story(15:45) - New Jersey the soccer hub of America?(18:45) - Why should fans choose New Jersey for the World Cup?(25:00) - Can fans feel safe coming to America?(32:30) - Gov. Murphy's thoughts on Zohran Mamdani's campaign(42:00) - Gov. Murphy's NJ World Cup pitch(46:00) - Talking Gov. Murphy's viral political moments(51:15) - Gov. Murphy plays promotion/relegation game Subscribe to The Cooligans on your favorite podcast app:

  BOSSes Anne Ganguzza and Lau Lapides share an inspiring and candid conversation about the challenges and triumphs of leveling up your business. Anne opens up about her personal journey of growth, from small changes in her Pilates class to taking a significant leap in her company, battling the fear and discomfort that often accompany evolution. This episode offers profound insights into navigating change, the vital role of a supportive team, and the power of embracing risk for long-term success. Listeners will gain actionable wisdom on recognizing their own self-imposed limitations, the importance of strategic planning, and understanding that growth, while sometimes terrifying, is essential for avoiding stagnancy.   00:24 - Announcer: It's time to take your business to the next level—the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss, a VO Boss. Now, let's welcome your host, Anne Ganguzza. 00:44 - Anne (Host): Hey everyone, welcome to the VO Boss Podcast. I'm your host, Anne Ganguzza, and I am here with Lau Lapides in our Boss Superpower Series. Hey Lau, hey Anne. 00:54 - Lau (Guest): I'm so excited to be back. It's been a while, you know. It seems like it's been forever years. It hasn't been, it's been years, but it feels like that. 01:04 - Anne (Host): I'm going to say a lot has happened, and so I brought props to show you. So I have... actually, I love props. I care my props. I have actually leveled up, okay? So in many ways. So I have my three-pound weight and I have my five-pound weight. So in my Pilates class, I finally leveled up because when they say grab your light weights, I went from three pounds to five pounds. 01:26 - Lau (Guest): You're now a heavyweight. 01:28 - Anne (Host): Well... I don't know if it's heavyweight, but now, right, it's a change. I've leveled up, and while it may not seem like a lot over the long haul, guess what? It's going to mean a whole lot. And I thought it was such a great comparison for our businesses and how we can make simple little changes. And those simple little changes over time are going to make an amazing difference. And I even got like excited, and I wrote, "No sacrifice, no success." And then here's my little boot necklace to like kick myself in the butt to remind myself. 02:00 - Lau (Guest): We all need that, Annie, we all need that. 02:02 - Anne (Host): I love that, to do that, yeah. So I've taken some chances with my business, and I have done some things. I've made some changes, some not so small, but they've been coming for a while. In my head, they were small, and over time they evolved into a kind of, maybe, a bigger idea for a bigger vision for my company. And I thought it would be great to just talk about the process because it's not easy to level up. 02:27 - Lau (Guest): Oh, it's no, it's not the most challenging thing you can do. And it's funny how you have the thought, the imagination, the dream, which has nothing to do with the actual reality of doing it, right? So you're moving through that reality. 02:40 - Anne (Host): I consider the brain, right? My brain steps, my little steps over time, because I've been thinking about how am I evolving, how am I going to level up, how am I going to make these changes? And so in my head, I was making small changes, right? Until finally, I started implementing those small changes, and then kind of as a, I guess maybe a side effect or after effect of those small changes, then I needed to make bigger changes. And so now I have to say that through the process, it's been definitely a learning process, not only for... I like to say I have a clear direction of where I want to go, I know that, but also things have happened that have been, I guess, scary. They've been monumental, like growing challenges for me, but also moments where I've been... Oh, I get it now! 03:31 - Lau (Guest): Yes, let's hear, what are some of those aha discovery moments for you that caught you? 03:31 - Anne (Host): So the aha discovery, right? The aha discovery of evolving your business and always growing, and I'm always talking about that, right? I'm always talking about evolving, and I'm like, "Oh, I got an idea for this, I got an idea for that." I'm a little bit of a serial entrepreneur, but when it comes right down to it, I think that a big aha moment for me was in the process of doing this, is that I've learned a lot about myself, and I've learned where I myself get in my own way, right? I myself get in my own way, right? And I like to think that I don't, and that I'm all confident, and I'm... Yes, we can forge forward and be successful. But yet there's been some times where I'm like, "Well, am I doing the right thing?" And I second-guess myself, and then when I do that, I learn more about myself. Yes, and so it's really been a learning experience about myself and how there are ways in which I hold myself back, and how when it comes to growing your business, the team that you have in place can do a lot to support you. 04:33 - Lau (Guest): Now, before you go on, Annie, I want to know on a scale of one to 10, 10 being the most terrorizing, before you made the move, because a lot of our clients and talent ask us about this, like, "How do I make these really serious and scary moves?" How scared, terrorized, were you at the thought of that kind of change, which is semi-radical, especially when you're working with people for quite a while? How scared were you? 04:59 - Anne (Host): Terrified, terrified. I mean, terrified. It was a 10. It was a 10. Stress level eating, do you know what I mean? 05:05 - Lau (Guest): Well, thank you for being honest, I would agree. 05:07 - Anne (Host): I think it's true. Headache, neck ache. It never gets easier. No, it never gets easier. 05:12 - Lau (Guest): It's always a risk, a huge risk. 05:15 - Anne (Host): And we've talked about this. It's not like uncommon that we've talked about like taking risks and stuff like that. And even before, I was like, "Yeah, we take risks, we're bosses." And this time I took a big risk, and I think that I really challenged myself to take a big risk. And is it completely successful? I don't know yet, you know what I mean? It's evolving. 05:34 - Lau (Guest): And that's the nature of risk. If you knew, it wouldn't be a risk. 05:37 - Anne (Host): Exactly. I mean, I'm evolving with it, I'm growing with it, and I have faith that I'm determined that it will evolve into something successful for me, and so that I have. But the terror along the way has been surprising. 05:53 - Lau (Guest): Yes, yes, because it never gets easier. It never gets better. No, right? It just gets more, higher stakes, and it's funny. The stakes get higher. Yeah, and it's funny, what were the stakes for you this time around? Can you like break it down for the listeners? How did that work? 06:07 - Anne (Host): I'm going to keep going back to here, like right. So we all know my health journey, right? And my health journey took about a year and a half, right? To kind of come to fruition and get the news that, you know, I was not well, healthy, and I needed to do something about it. And then get to work, right? Focus, get to work. And so I was driven. I had a goal. I was driven. I didn't stop until I got to that goal. And then all of a sudden, I got to the goal and I'm like, "Wait, I have more goals." 06:34 - Anne (Host): And so my three-pound weight was always my weight that when the Pilates instructor said, "Go grab your light weights," I said, "Okay, three pounds," right? Three pounds is what? Before it was like one pound, I'm not quite sure if it might've been two pounds. Then I said, "All right, I'm going to graduate to three." But then just this past week I went to a five, and I said, for whatever it was, I had been thinking about it and thinking about it and thinking about it. Similar to my business. Right? I was thinking about the moves, I was stressing, I was nervous, I was like debating, I was researching, I did all the things in my head to evolve, and then finally, I took the leap. And so this past Wednesday, I took the leap, and I went to five pounds. Isn't that great? And it wasn't horrible, and it wasn't horrible. And now I know that there will be days when I'm not going to want to do the five pounds, but I'm going to push myself to do the five pounds. 07:24 - Lau (Guest): You're going to push, but there was something inside of you. 07:26 - Announcer: This is something I think the listeners have to know this. 07:29 - Lau (Guest): There was something inside of you, this little voice, that somehow knew that you could take it on. 07:34 - Anne (Host): And today was the day you could handle it, even though you felt nervous, scared, and with weights, you actually can get hurt, physically hurt, right? 07:44 - Lau (Guest): So of course you're not lifting 150 pounds, but you can still hurt yourself, right? Exactly. Well, let's transfer that now to your business. 07:52 - Anne (Host): Yeah, I mean, and it was funny because I thought about it, thought about it, thought about it, strategized, strategized, said, "Yes, I should. No, I shouldn't. Yes, I should." Today's the day. 08:00 - Lau (Guest): The back and forth, right, Annie? The back and forth. Yes, no. 08:02 - Anne (Host): And then I said, "Today's the day." Today is the day, right? And so literally, that's kind of what happened when I made the decision after I had been thinking about it, researching, going back and forth, "Okay, I'm going to do it," and then I started it, and it was like building a muscle, right? So I'm still in the process of building the muscle of my business and getting through the growth, right? So I'm going to grow my muscle with my five-pound weight. 08:29 - Anne (Host): I'm going to grow my business, right, with my growth strategy, and it's terrifying, it's uncomfortable, right? It's uncomfortable, but there are little successes that I'm seeing along the way, and that makes me happy, and that gives me the confidence to move on and to continue on my journey. And I know in my heart, right, I will make it work for me in the way that it's best. I think the one thing, Lau, which is interesting, is I always have to figure out what's the fallback, right? What's the worst-case scenario, and can I accept the worst-case scenario? 09:02 - Lau (Guest): What is the worst-case scenario? 09:02 - Anne (Host): The worst-case scenario was I'm committed to my growth strategy for a certain amount of time and a large amount of money, to be quite honest with you. 09:09 - Lau (Guest): Well, that's what I was going to say, that you lose a bunch of money that you don't feel you got any return on or any knowledge on. That would be the worst, wouldn't it? Honestly, I can't imagine that happening with you because you're going to squeeze the juice out of everything, but that would be the worst. 09:25 - Anne (Host): The confidence that I have, Lau, and I think that what we've spoken about as well in podcasts before, and I get excited about this, is that I said, "Okay, I have a certain amount of money, I can make a commitment, and I am okay if I lose this money." It's kind of like... it's like gambling. I was just going to say, I don't want to bring up gambling, but I will, because when I go to Vegas, I say, "Okay, I have a certain amount of money. If I decide that I want to gamble..." I don't really gamble a whole lot, like my gambling money is maybe 20 bucks, just to have fun. 09:51 - Lau (Guest): I don't either. 09:51 - Anne (Host): Because I'd rather spend my money on something that I know I'm getting. Like I'm getting a nice facial or a massage. 09:55 - Lau (Guest): I do too, I know. Or dinner. But doesn't that make it harder for you to make those moves because you're not a gambler? 10:05 - Anne (Host): Well, I'm not a gambler, let's say, in Vegas, but I am a gambler with my business in a lot of ways, because I know that if I don't, I will be worse off. If I do not grow, and I've said this before, stagnancy is the death of me. If I do not grow, that is the worst. And I think what was happening is I was at a place where I didn't feel like I was growing anymore, and I wanted to continue the growth. And I'm like, "How can I grow? How can I get more clients? How can I reach these clients?" And when I really researched the answers, it wasn't within my own industry, because I had my own circle already built, which was amazing, and I love my circle. I'm not giving up my circle, but I needed to get beyond the circle to bring in new people, to bring in, right, new clients, and that was, I mean, really, how was I going to reach those clients? 10:54 - Lau (Guest): So what does that translate to for you in terms of this last move that you just made? I know you can't get into too many details before your launch of it, but what did that translate to you in terms of the team you had and were working with, the new team you wanted to be working with, and the new concept that you had moving forward? What were the action steps that you really had to start taking on in order to realize that? 11:22 - Anne (Host): Well, action steps was, first of all, education and research, right, and understanding. And I was actually put in a situation where I needed to get a new team of professionals that could, first of all, handle my website, because the person that I had worked with for many, many years was not able to continue to do that. And so I was looking for more members of the team. And so in doing so, it's hard out there looking for people. I mean, we've discussed this before, like, do they know the industry? Do they not know the industry? What are their skill levels? And, to be honest with you, if people in the voiceover industry knew website development, there are a few people that do, but there's not a lot, right? 12:01 - Anne (Host): So I had to go outside of the industry to look for people that could handle the back end of my websites, because I got a lot going on. I mean, we know that the podcast here, there's a lot of products, there's lots of back-end workings in the website that set up appointments with me, that handle income and inflows and outflows and that sort of thing. So I needed to have someone that was capable in that to take over. And so in doing that was education, research, interviewing, and then also really having a hard look at the budget, because you know, I mean, I have a certain budget. And I think the one thing that sealed it for me—the go, right, the go, and go after thinking and strategizing and education—was having a certain amount of money set aside that I could risk, right, to move forward and know that if it didn't work out, I wasn't confined to a lifetime of it, right, financially or emotionally. I could get out of it if I needed to, right? And what would be the worst thing that could happen? 13:00 - Anne (Host): Well, I would lose that money. So I was just like, if I was going, I have this amount of money that I'm willing to lose, and now I'm ready to gamble. And that's really what it took. And that, just knowing that, having that security and knowing that I had a certain amount of money I was willing to invest and lose completely, completely, if things didn't go the way that I thought they were and I needed to get out, I was okay with that. And so I think that gave me the green light to go ahead and do it. And now, once I'm doing it, right, there's all sorts of like things that are like... I was not anticipating all sorts of obstacles in the path that I did not anticipate. 13:38 - Lau (Guest): Tell us about a few of those obstacles that you ran into. 13:40 - Anne (Host): Well, you know, if you're working with new people, they don't know you, right? They may or may not know your industry. These people did not know my industry, and so they need to be educated so that they can do the best job that they can. The amount of time that I spent educating it's amazing because, you know, I've been in this industry for, I don't know, 17, 18 years, and people that have been working with me have been working with me a long time, so that's a lot of years. Once you work with someone or, you know, you get to know them for that long of time, it's great, because you know the process, you know the industry, you know the person you're working with, you know what they're expecting. When you have new people, it's a whole new relationship, right? And it's like a new client, right, a new voiceover client, where I always loved voiceover because you got in and you got out quick. 14:25 - Anne (Host): A lot of times, yeah, you had a client that kept coming back. You developed a relationship, and typically it was an easy relationship because they've liked what you've done, and they were happy with it, and there was never really, for the most part, you're not having difficult moments within that relationship. This one, I am an owner of my business, right? I need to have it run in a particular way, so it's not like I'm the boss this time, right? Before, my clients, they're the boss, right? I have a skill that I'm providing, and I'm providing audio to them. They like it, they accept it, they pay me. It's great. They come back. Right, they give me new stuff. They like it, they accept it, they pay me. It's great. This, I'm the boss, right? I have to like it, I have to accept it, and I have to say, "This is great. This is moving my business forward." So I have to do a lot of assessment along the way, especially with new people who may not be familiar. 15:12 - Lau (Guest): Now I have a question about that, okay, because we get a lot of questions about this. Folks come in and feel like, "I'm working on a voiceover career or an actor career. If I need to hire people or I need to get a vendor to serve me in a particular service, they come in, they have their expertise. I pay them, they do it." The problem is they're missing the link of how much education and management you have to do when you hire a person, a consultant, a team. It's any person. It is not like, "Here, do my website, and I'm done, and I'll see you in a couple of weeks when it's done," and that's time consuming. Can you take us through, right, can you take us through a little bit of the process of how you are managing this new, brand new team of people who may or may not have the expertise in this industry? How are you managing those people? What does that look like in terms of time and in terms of effort? 16:05 - Anne (Host): Oh, it's a lot, it's a lot of time, it's a lot. It's more time than I anticipated, and I forgot. I mean, because I had gotten almost complacent because people knew me so well, right? I mean, and so now I have to educate new people, a new team, on how I want my business to move forward and who I am and certain things that I expect. And so the amount of time that was required, I did not anticipate. I thought it would be easy, but it's not. And it's interesting because it kind of brought me back to, you know, you think things are just automated and my web girl, I've worked with her for 15 years, she knows me, she knows exactly like what I love, she knows if I say I need something on my website, she could do it. I didn't have to like micromanage at all. Now, all of a sudden, right, there's a lot of time spent educating the new team on, "Here's the practices and the procedures. And this is the way that I like it, because I'm the boss, right?" That amount of time that I'm managing, and I don't like to micromanage. What I like to do is educate enough so that I can say, "Go be creative, do it." It's so funny because, no matter what they do for you, right, they have to know who you are and your brand in order to be able to help you grow your business further. 17:17 - Anne (Host): And I literally went to the boot. Again, I go back to the boot, but I went shopping yesterday. I had a gift card to spend it at this Western store, and I got a cowboy hat. I got a cowboy hat, it's really cool. And the guy branded it for me on the inside of it, and I said, "Well, I love branding." Right, I love branding. "Let's do my initials AG." You know, that's like my website, it's everything. So he has the branding AG. And then I said, "Oh, I like those stars. I'm a star, make me a star." And the way he branded me, he floured it. Like every time he put that branding iron on the hat and he picked it up, it was branded. It was like a big flourish. And I'm like, "I don't care what you do or how many stars you put on it, you're creative. He's like, 'Oh, I'm a creative person, you do your thing, I trust you. You can put as many stars on there as you want, but I'm a star.'" So he's like, "Okay." So I let him like creatively flourish with my brand. But I gave him the specs on, "Here's my AG brand, and I need it to look like this. But now you can flourish and enhance the brand." 18:15 - Anne (Host): It's kind of what I'm doing with my business, right? I'm allowing people to do what they're good at, and that's a big thing. Like to kind of give up the control to allow the people who are experts in what they do, like I'm not a graphic expert, right? I need a graphic expert to create beautiful graphics for my website or a beautiful graphic for my social media, and so that's what they do, right? So I'm like, "Here, here's my guidelines, here's the brand, here's what it looks like for the most part, but put your creative flourish on it," and I love that. That's how I want to be able to manage people. I want to be able to have people that I can say, "Here, here's your baseline, your guidelines for the business. This is how I need it to sound, this is how I want to be represented. Go ahead, put your creative flourish on it." 18:58 - Lau (Guest): Do you feel like, Annie, especially if it's a company that has never worked with someone like you or someone like this brand or even in the genre of the business, do you feel like you can trust them to go off and create? Because there are so many questions that come up about the products and services themselves, do you feel like you can sort of take that step away, or do you feel like in the first couple months you don't? 19:23 - Anne (Host): I do need to be on top of the matter for the first couple, because I, yes, and that's what I'm finding, is that I do have to say, "No, this isn't quite what I need. Let's make adjustments," and they need to be willing to make adjustments while they get to know. It's a mutual, we need to get to know each other. 19:38 - Lau (Guest): Okay, so I have a question about that. How do you determine—this is a common question of all of our talent and clients—how do you determine how to bank hours according to what you're paying your marketing team to bank hours in order to educate, collaborate, go back and forth? How do you negotiate that with your company, not really knowing how much time they're going to need to figure it out? 20:06 - Anne (Host): Well, honestly, like, no sacrifice, no success, right? I am sacrificing a lot of my hours to do all the checking and then making the corrections and saying, "No, this, not this, this." And so for me, it's a sacrifice, right? It's a sacrifice of my time. I have to make sure I allocate time to be able to do that to educate them. But the better I can educate them right in the beginning, the less time I'm going to have to spend later on. That's the way I feel, and the easier it'll be for them to get to know me. I don't think that there's any lack of content about me out there, so, like there's lots of help if people need to know who is Ann Ganguzza. 20:43 - Lau (Guest): But the question is that a lot of people are going to be wondering is what if they want to hire a marketing team? What if they want to have a marketing consultant, right, working on? How do they know how much that investment will be, not just time but money, how much that investment will be based on the kind of education and back and forth that they will need to do with that team? Even if they're in the industry, they're still going to need to do it. 21:07 - Anne (Host): Yeah, it's probably more than you anticipate. You think that you can just say, "Here, create a graphic," or "Make my website." But there's so much that, again, because we are personal brands out there, right, in this industry. We are personal brands, brands out there, right? In this industry, we are personal brands. There's so much of us that is invested in representation and what we look like, what we sound like, how we're being sold, right? There's so much of us that, if we are not able to educate a team on who we are, right, and how we need to be represented, right, you need to be able to allocate that time. So the way that it's working with my team is that services are rendered. I mean, I don't pay for every version of a graphic. They basically do it until it's right, and that's how that works. I pay a blanket fee. 21:53 - Lau (Guest): Do they give you an amount of hours that they're willing to budget in for the month? 21:55 - Anne (Host): Nope, nope, that's great. There's no, yeah, there's no, not in a contract, let's put it that way. And so that was something that actually it's a really great question, because that was something that I wanted to make sure of. I mean, when we went back, right, "Here's what I need. I need to have this, this, this and this. Are you able to provide that, right, and are you able to provide revisions, right, without additional charges?" There's no charges. I'm paying a retainer fee, and so there are no, at least in the contract. There are not, right. There are not. There is a statement of work. There are timeframes. So if I need this to be done on my website, I should expect it to take this long. 22:40 - Lau (Guest): Right. Now, I have a question about that, Annie. If they're doing socials, which they're engaging in SEO, but also an engagement for you, right? They're doing socials in terms of engagement, they're doing graphics. 22:52 - Anne (Host): They're doing some graphics. They're doing graphics. 22:55 - Lau (Guest): But do they actually go on and engage in your voice? 22:57 - Anne (Host): I'm engaging right now. Okay, the question is, though, for people who need help, they would. They would. 23:02 - Lau (Guest): Well, that's the question I have. 23:03 - Anne (Host): If I wanted them to, they would, but I want to engage with the people as long as I have the time. I want to be able. The initial like impression of me and then if there are comments or questions, I like to engage for now, until there are some questions that they can handle on my behalf. But I don't want to misrepresent or people to think that, "Oh, somebody besides Ann is answering." For the most part, I'm interacting with any engagement that happens. They just need to provide the initial wow for the engagement. 23:37 - Lau (Guest): I got you. I got you. 23:38 - Anne (Host): But they would. They said they would, and I actually... We never actually went into that, because that's not what I'm having them do right now. I'm more concerned with them getting the website SEO going, doing some SEO work. They're doing a lot of SEO work for me, which, again, I wanted to be able to expand my reach and to be found outside of the circle that I was in already. 23:57 - Anne (Host): So that requires a lot of keywords. It requires a lot of going back to content that I've produced, creating new graphics for it, creating new titles, creating new words, you know, new content, new descriptions. And so, for the most part, I am approving all of that, and if it needs to go back to the drawing board, I basically correct it and say, "No, let's do this, let's do that." Again, I'll say, "I would never have said this, right, or I would never say this. This is not the proper terminology for this industry." So that's the one thing is that they don't necessarily know the terminology in the industry, nor do they know like, graphically, like, what microphone should I represent? Like, no, do not put a dynamic microphone. 24:39 - Lau (Guest): So you're doing that kind of team, and it's good for our listeners to just know, like, why are you doing this when you could do it yourself? But the expertise of an ad team like this is not only graphics and graphic design, but it's also how to reach your target markets. 24:57 - Anne (Host): Yes, and a different perspective, Lau. That's the other thing that I want to say is, the biggest benefit of this is it's great to have people in the industry, and I still have people in the industry that are doing work for me, but also having a perspective that's outside of the industry, because, again, I need to get outside of the bubble that I'm in, right? And so how do I do that without a different perspective? Right, I want to attract corporate clients. Right, I want to attract corporate clients for my voiceover. How am I going to do that if they're not in my circles already? Right, how am I going to reach outside? 25:28 - Anne (Host): And so a lot of it was to have somebody that does that for all industries to be able to do that for me, and then also, basically, to give me the perspective, like, so that I don't get in my own way, because I've literally had to say, like, "Do you think you should put my face on that graphic right now?" 25:47 - Anne (Host): "Because doesn't that seem too assuming, you know?" And I get all like, here I am getting in my own way, and they're like, "No, no, no, no, because at this stage of the sales funnel, right, they don't know you yet, and so you need to represent your face in that confident way, blah, blah, blah, blah. Later on down in the sales funnel, when they know you, then you don't have to repeat that." So they're experts in that, and basically there's a lot that I'm learning from them, and they're learning a lot about the industry from me. And we're collaborating, and that's the one thing that I do like is that it's in a very collaborative sort of way, and it wasn't without many interviews, by the way, and what's cool about that is they become... 26:31 - Lau (Guest): Yes, you're educating them about the industry and how they need, and people are going to be seeing and thinking about you that are not esoteric, they're not in the industry, they're people that are in the universe. Corporate people, people who might hire me for a voiceover. Yeah, I just want to say, though, that that is a perspective that we all lose along the way. 26:53 - Anne (Host): We do. 26:54 - Lau (Guest): Because we get so involved in the audience that we're currently with, we think everyone is like that. Everyone sees it that way, when really it can be quite opposite to that, that they see you as something totally different than what you think they're seeing you as. 27:07 - Anne (Host): Yeah, and that was the biggest education for me and the biggest takeaway is that it's a growth experience. 27:15 - Anne (Host): Growth is not always fun. Growth is not always fun, growth is not always easy, but growth is to me a sign of moving ahead and moving forward. And so, as long as I can accept that, and I can accept the beatings along the way and the discomfort, and the discomfort, you know, you've got your triumphs and celebrations and exciting moments, but you also have, yeah, you got to work that out. 27:37 - Anne (Host): Work out my stress, work out my stress. I love it. But it's all good, guys, and bosses. I guess this whole discussion today was like really small steps can really mean large growth for you in the long term. And for me, it was a bunch of tiny steps in my head, and then it was just kind of a leap of faith, right, once I said, "What's the worst that could happen?" 27:57 - Anne (Host): Right, I have accepted the worst thing that could happen. And I remember that's so funny, Lau, because in the beginning of time, I feel like in the beginning of time when I graduated college, right, a thousand years ago, a thousand years ago, when I graduated college and I was trying to determine whether I should accept a job in New Jersey, right? Should I move my young butt to New Jersey in a place that I didn't know anybody, all by myself, right, and work for this company? And I said, "You know what? It's scary, but I'll give it a year, and if it doesn't work out in a year, guess what? I can move home." The worst thing is, I don't like it and I move home. 28:31 - Anne (Host): So I did the same thing with my business, and I'll tell you what, Lau, it really puts things in perspective. I said, "Okay, I have a certain amount of money that I can lose, that I'm going to invest, I can lose it, and I'm okay with that, as long as I grow along the way. And if I grow along the way, I have such an education." To me, I'm like, "This is great, now I can move forward." 28:50 - Lau (Guest): I'm with you, totally, I'm with you. Now, one more question: To the people who are not leveling up quite in that way. Maybe they're in an early stage, earlier stage. They say, "I need this, I love this, and I want this, but I don't know if I have the extra money, I don't know if I have the extra capital for this." What do you say to those people that are a little bit tighter on budget, a little bit more worried about paying the rent, a little bit earlier in the game, or maybe they're not, maybe they've been in it for 10, 15 years, but they're still worried about the tight purse strings? What do you say about that? 29:21 - Anne (Host): Well, okay. So tight purse strings are one thing, right? I mean, you either do what you have to do to get the money. You put it in savings, you save for as long, earn it. 29:29 - Lau (Guest): Yeah, you work at Dunkin' Donuts. You know what I mean? Beg, borrow, steal it, as we used to say. Make me my iced coffee at Dunkin' Donuts. 29:35 - Anne (Host): You do whatever you do and you put it away, and then you say, "I've got this amount of money to invest." 29:40 - Lau (Guest): That's if you actually need the cash, right? Yeah. 29:42 - Anne (Host): And if it's not just cash and you just don't want to work, do you know what I mean? Like educate yourself. Like spend the money, invest the money in yourself. If you don't have money, it's time. 29:55 - Lau (Guest): Right. Beg, borrow, steal, right? Don't. I think you're also saying one really important work ethic thing that's a bottom line too, is you got to work harder? 30:00 - Anne (Host): Not only smarter. 30:02 - Lau (Guest): You got to work harder. I don't know why people threw that out the window. "Work smarter, not harder." Well, you kind of have to do both. 30:09 - Anne (Host): You have to do both. You have to work hard and work smart, right? Yeah, you do, and that's actually, I love that you said that. You really do. I mean, people know that I work. I mean, I'm just, I'm working extra hours right now. 30:19 - Lau (Guest): I'm not calling you a slob, but you're a grinder. You know what I mean? You are a grinder. 30:24 - Anne (Host): I always have been, but more so than I really want to. But my ultimate goal is so that I'm not going to have to work so hard in the future. Right? And again, if I were stagnant, right, and I just got kind of complacent, then that's almost worse. 30:37 - Lau (Guest): Yeah, but I know you. I know you. I don't think you're ever going to retire. You're not the type. You'll be on the phone at 98 going, "Wait a second, are you saying this?" I mean, you do have too much love and passion for everything that you're doing, and you know that's what really drives us at the end of the day. It's fun, there's got to be a fun factor. 30:55 - Anne (Host): Well, I think it's like a game. It's a game I play, you know, in a way. 30:59 - Lau (Guest): I mean, there's strategy, you want to win. Exactly, it's a very creative game for me. 31:05 - Anne (Host): So I think that, bosses, we all have to play that creative game. We all have to not just want to win at our performance and be in the booth and do a great job, but also win at our businesses and play the game. I mean, play the game. It's not a bad game to play, it's a fun game if you allow it to be, right, even though I'm telling you, I have discomfort, I'm stressed, but I enjoy the journey. 31:27 - Lau (Guest): I enjoy the journey. And remember what makes it successful, Annie, is that you're the designer of the game. Yes, you get to not only play the game, you get to design it. So don't lose out on the design element. That's the beautiful thing about it, right? 31:37 - Anne (Host): We're designing our own game. 31:39 - Lau (Guest): Our businesses are similar in the industry, but they couldn't be more different in the way they're designed and executed, and that's the beauty of what we do as creatives. Is that, and any industry that you run your own business, no two restaurants are really the same. 31:53 - Announcer: There's different designers. 31:55 - Lau (Guest): So have fun with that. 32:02 - Anne (Host): So guys, do the work, do the work, Make the small changes. 32:04 - Anne (Host): Yeah, Lau it's been amazing. Thank you so much for all your love and encouragement too. You are a big part of my team and I love having encouragement that does help, because you don't feel so all alone and I'm not also like, oh my God, am I doing the right thing? So yeah, guys, I'm going to give a great big shout out to our sponsor, ipdtl. You, too, can connect and network like bosses, like Lau and myself. Find out more at IPDTLcom Bosses. Have an amazing week and let's go build those muscles. All right, bye, bye. 32:33 - Announcer: Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via1 IPDTL.  

Welcome to Episode 237 where we DO NOT talk about the scheduled ghost story, “Thrawn Janet” by Robert Louis Stevenson due to human error. We'll discuss it on the next episode along with “The Open Door” by Margaret Oliphant. Now, on to what we DID discuss. What we're currently reading: THE GARDEN by Clare Beams, SILAS MARNER by George Eliot, and COOKING IN REAL LIFE by Lidey Heuck. What we've just read: THE SHINING by Stephen King, MEMORIAL DAYS by Geraldine Brooks, and SO FAR GONE by Jess Walter. There are Biblio Adventures: Chris talked about attending the very first Bloomsday celebration at the Guilford Free Library and watching the 1980 film adaptation of The Shining. Emily shares her stop at the Montclair Public Library in New Jersey on the way to Princeton, and recaps the excitement of attending the 2025 Aspen Food & Wine Classic and fan-girling over Nancy Silverton whose book, THE COOKIE THAT CHANGED MY LIFE, is a longtime favorite. We had a wonderful discussion at our monthly Reading Salon with Patreon supporters about short books (the flip side of last month's big books). As always we wrapped with upcoming jaunts and reads, and a reminder about our third quarter readalong in our year of reading Ghost Stories – THE UPSTAIRS HOUSE by Julia Fine with a companion read of “The Yellow Wallpaper” by Charlotte Perkins Gilman. Happy Reading! https://www.bookcougars.com/blog-1/2025/episode237

In this conversation, Dylan Silver interviews Alek Petreski, a certified appraiser and real estate entrepreneur, discussing the intricacies of property appraisals, the importance of understanding market dynamics, and the role of appraisers in real estate investment. They explore strategies for new builds and flips, the significance of accurate appraisals, and the journey of becoming an appraiser. The discussion also touches on the intersection of soccer and real estate, highlighting Alek's background and passion for both fields. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

7 brand new albums in one day from The Boss. Where do we start? It's impossible for us to review these in depth in a single episode so with the help of Jeff, Dan and a special guest Ken Lesnik, one of our friends from New Jersey - we take a shallow dive across the box set. We also choose our stand-out track on each album.Rosalita is on duty today to ensure everything runs very smoothly on the hottest day of the year!

Keith discusses the evolution of the real estate market over the past five years, highlighting a 43% price surge from March 2020 to June 2022 due to low mortgage rates, remote work, and government stimulus. By 2024, single-family home prices stabilized, but apartment values dropped by 30%.  Mortgage rates have remained around 6-7.5% for 20 months, with national home prices rising 2% in the past year.  We introduce two listener guests: Josh Fang, a 28-year-old investor who bought five properties using his income from a mortgage loan officer job, and Nate O'Neil, an experienced investor who leveraged his corporate job to fund his real estate portfolio.  Show Notes: GetRichEducation.com/560 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold, over the past five years, the real estate market has changed forever. So what are you supposed to do now? Then I talked to two GRE listener guests back to back. Here's some relatable stories this week on get rich education.    Mid south home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis, and have globally attractive cash flows, an A plus rating with a better business bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Speaker 1  1:48   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You   Keith Weinhold  1:58   Keith, welcome to GRE from Augusta Maine to Augusta Georgia and across 188 nations worldwide. I'm Keith Weinhold, and you are back inside get rich education if you got trapped in a cave back in 2020, and then you came above ground into the sunlight of 2025 and wondered what happened to the real estate investment market over the last five years. Here's the answer, and what it means to you, even if you weren't trapped in a cave, and I sure hope you didn't have to fight off a bat colony either. During the pandemic housing boom of 2020, to 2022 housing demand soared, in fact, from March of 2020, to June of 2022, prices surged a staggering 43% and rents ballooned too. And that was all amidst a few things, ultra low mortgage rates, a remote work boom and government stimulus. And for many, this unlocked Americans work from anywhere arbitrage. High earners were able to keep their income in, say, New York City or LA, pack up their laptop and head for state income tax free havens like Tampa or Nashville, and builders could not keep up. See housing supply, stock is not as elastic as demand. It's like steering a cruise ship. It doesn't turn out a dime. Inventory was drained, and you know, we had a full on housing supply crash that dipped to its Nadir in February of 2022 but just after that, all types of interest rates spiked later in 2022 to help stifle rising inflation, and what that did is that that quickly quelled homeowner affordability. Return to Office mandates began to gain momentum. National housing demand pulled back a near 180 was quickly underway. Sales volume tanked, and that put a lot of people in the industry out of business, realtors, mortgage loan officers, even furniture companies out of business by 2024 prices in the single family to fourplex space stabilized just with a slow growth rate, but apartment values lost as much as 30% from 2022 to 24 due to devastating interest rate resets under shorter term loans, and meanwhile, the income required to buy a modest starter home rose from 49k in 2020 to 101k last year. That's pretty NAR and the term forever renter became both a meme and a. Reality, and since construction, efforts to build have been uneven, apartment supply actually exceeds demand in a lot of markets, and over in the one to four unit space by adding inventory, there's now 30% more available year over year, but it remains under supplied nationally, especially like I've discussed in the Northeast and Midwest, where building has been meager to completely non existent. That's why it can still feel impossible to find a house in much of Ohio or New Jersey, but you can rent an apartment in Austin, Texas faster than you can get a Wendy's drive through order. Mortgage rates have now stayed in this same range of six to seven and a half for 20 months, and national home prices are up just about 2% in the past year. Now, when Trump began his second term in January of 2025 markets got giddy with business friendly optimism, but this Trump bump that reversed fast when he slapped half the planet with tariffs housing demand cooled again, because no one buys a house when they feel like their job might vanish, alright? So amidst all of that. How do you adjust your strategy with what's changed over the past five years? Well, real estate still pays five ways, and since you're not betting it all on price growth like you would be with most other asset classes, this way, you've always got a side to play with. Affordability down now, rental demand is heating up. With more inventory on the market for you to purchase, there are more motivated sellers, especially those shiny build to rent homes. You do still have to deal with mortgage rates that are higher than they were four or five years ago. Refinance on the rate dips if there's low inflation rates fall if there's high inflation, well, then your debt arose faster. So this is what I mean about you having the ability to play both sides today, and this is big, the number of renter households are at a record high, and they're rising. Landlords are giving fewer concessions. Increasingly, they hold the cards in the single family rental space and annual rent growth is expected to heat up from its current zero to 3% Well, what is next? Short term housing value should stay stable, but not sore, and don't count on a big mortgage rate drop at all for the rest of the year long term, expect more inflation in strong demographic demand. Those things are almost certainties, and that's the good part for real estate investors. So really the overall market report card today, let's grade it out in a report card, sellers are doing just okay. Buyers are strained. First time home buyers are in the worst, the roughest shape. I mean, they grade out at an F single family rental landlords are in good shape because people that want to buy a single family home can't, so they rent apartment landlords, they are strained, and renters are holding steady. They're doing pretty well until steeper rent increases kick in. So really, the bottom line here is that it's been a more tumultuous five years than usual. Housing demand lapse supply and now it's coming closer back into balance today, home prices are stable, the amount of buyers are waning, and the hordes of renters are growing. And where are we today? Well, earlier this month, our president called our Fed chair a numbskull.    Donald Trump  8:56   If we cut our interest by one point for years, we save 300 billion. If we cut it by two points, we save because it's pretty equivalent we're going to save, we're going to spend 600 billion a year. 600 billion because of one numb skull that sits here. I don't see enough reason to cut the rates now.   Keith Weinhold  9:21   oh dear leaving you with a little knee slapper on the five year summary there. Look poor and middle class people feel like everything is expensive. That's because they pay for everything with money they've exchanged their time for. That means they feel like they're paying for everything with their life, because they are and that's exactly why money feels like a scarce resource. Instead, real estate investors pay for things according to what our assets are producing for us and what other people's money is producing for us. And that's why we can pay for what we want, and money feels like an abundant resource, not a scarce one. That's what today's two listener guests discovered somewhere along their path, fueled by this show. Now sometimes I answer your listener questions here on the show when you write into us at get rich education.com/contact, other times, I bring listener guests right here onto the show. That's what we're doing today. Today's both happen to be based in California. The first guest is a young investor, and the second guest more experienced. These were just recorded. Understand they aren't professional speakers. And also, if you bear with a few early audio difficulties with our first guest, you're going to be rewarded with some relatable takeaways. Our first listener guest, Josh Fang, started listening to the get rich education podcast as a college student in 2016 or 17. He first heard episode 84 that's when Robert Kiyosaki made his first appearance here. That episode was called the rich don't work for money. Then he went back to Episode One and listened to them all, 560 episodes. Now let's meet him.   This week's GRE listener guest is a 28 year old real estate investor based out of Irvine, California. That's SoCal, and he has already reached what he calls semi work, optional status, fantastic. He's been a GRE listener since 2017 that was at age 20 when he was a junior in college. The GRE podcast inspired him to become a mortgage loan officer, and he's become a top performer at doing that, originating loans after graduating college. He used the money from that mortgage loan officer job starting at age 22 to buy five income properties, two through mid south home buyers and three elsewhere. By the way. Again, he's 28 now. GRE quite literally shaped his adult life, and having enough passive income to fully retire is pretty much his only goal. Now he's got passion for talking financial freedom through smart borrowing, strategic thinking and action over perfection. Oh, I love that. Hey, welcome to GRE. Josh Fang, thank you for having me. I really appreciate it here on the show, I talk about borrowing and lending a good bit, because if you're gonna make something of yourself, you need to leverage the efforts of others. So tell us about how you got your first job in the mortgage industry and how it set the foundation for your investing journey. Josh,   Josh Fang  12:31   when I graduated, it was really rough. I had a business degree which didn't really open up too many doors. At that time, I couldn't find a job for six months, I was just applying everywhere that I could. Now keep in mind this entire time, I'm looking for a job. I'm listening to your podcast, and you know, how can I the income and the money to purchase some rental properties for some passive income? And one company responded to my resume for a mortgage company. So I was able to get an interview, and I actually got the job by quoting, you know, mortgage guidelines that I learned from your podcast. Your Podcast, such as, for an FHA loan, you need three and a half percent down. For a conventional you need 20% down, just the most basic of the most basic mortgage guidelines. And actually was able to land a job, and in the very beginning, they start you off pretty much. I mean, as a telemarketer, it's pretty rough, long hours, you work weekends, I was making $17.48 at the time per hour, and with that basic income, the 17.48 an hour, I actually was able to buy my first rental property without even the two years work history. And the way I did that was by using my college degree as work history, because there is actually a guideline to where, if you have degree that is in the same field as where you work, it does actually be counting work history. And it was really funny at the time, I was living with my parents, another document that I needed to go through underwriting. I needed a letter from my dad, a signed letter from my dad saying I didn't pay rent because I was living at home. And off that 17.48, an hour, I was able to buy my first rental property. And from mid south home buyers, everyone there was so great. They were so helpful in helping me through the loan process, through selecting a property, and I was able to close. And the time that I bought my first rental I was only 22 years old.   Keith Weinhold  14:20   This is remarkable on a few levels, with just those few lines, about three and a half percent down FHA or 20% down conventional that sounded compelling enough for someone to want to give you an opportunity and then off that modest starting wage, how that really helped you accumulate to buy income property and yeah, when you're buying in those investor advantage places, those prices are low, but that's still pretty remarkable that you were able to do that. So talk to us some more about that, buying your first rental property at age 22 surely younger than most people about that process and the mindset and really that leap of faith that it takes Josh because most people are not doing this.   Josh Fang  15:00   Yeah, absolutely. And I think I had a really big leg up in terms of mindset, because I was starting to listen to your podcast when I was so young, when you're young and you're growing up and you're a young adult in college, you know, you hear from your teachers, your parents, your friends, older people, and they say, oh, invest in the stock market. Buy a primary residence to live in. And the big thing that I learned is I don't live in the same world as the world that my parents grew up in, and I can't invest the same as well. Great point there's, I live in Southern California. The medium house price of where I live in, in the city of Irvine, is $2 million yeah, that's ridiculous. I would never, ever be able to purchase a primary residence out here, and buying stocks are at all times highs. I mean, that's arguable, but I think stocks are quite overfit. So investing there didn't make too much sense. And what you always talked about in terms of building a second flow of income, having that be passive to where I don't need to work regularly, is what really motivated me to move towards that. And in terms of making the first step, I think the most important thing by far, is just setting a goal, saying at least for myself, it was, hey, I want to own a property. I want to provide safe, affordable housing to a tenant, and I want to be able to make money off of that, to where I don't need to do something physically for it every single day. And then after that, it just about taking the steps. The first things first is I reached out to some of the house providers. In that case, it was mid south home buyers, gave them a call, spoke to them, say, Hey, can I please be put on your list? Perfect. Then it was just continuing the work, doing more research, continue listening to your podcast, learn tidbits here and there, lots of Googling, lots of Googling, looking up terms that I didn't understand when I read through the analysis of the property. Hey, what does this mean? What does that mean, Googling it, learning one step at a time. And then when it came time and I was actually receiving properties that I could buy, it was about getting the mortgage, and it was about, hey, let's just move one step at a time. Okay, today I need to get these documents, and the next step, I need to get these documents. And before you knew it, I was signing with a notary closing on my first property,    Keith Weinhold  17:10   the autodidactic approach, meaning the self taught approach, with some assistance from my show. But yeah, oftentimes listening to the show can be the stimulus to make you want to learn more, probably, because I talk about the why for real estate, and if you don't know your why, you won't care about how So Josh, are you doing something that some people do in high cost areas, like you live in in SoCal? Are you renting your own place? And then you provide rental housing to others outside your own area. In investor advantage places is that your setup?   Josh Fang  17:44   100% where I live in Irvine, it is extremely, extremely low crime. Everything's a planned unit development. It is beautiful out here. There's trees, there's lots of different foods from different cultures. I absolutely love living here. The only issue is is it's ridiculously expensive. I live in a very nice luxury apartment complex, and I pay of extremely high rent that normal people probably wouldn't be able to pay. But rather than coming out of my pocket, I use the cash flow for my rentals to pay for my rent over here. So it's kind of like I'm building equity, even though I'm just renting, and I get to live the life that I want to live, where I want to live it, while still being able to invest the proper way. In my opinion   Keith Weinhold  18:26   that's beautifully said and well thought out. And part of doing that, Josh is this borrowing money, which I think to lay people, is scary, and for someone in their 20s to borrow money, that could really bring a good bit of trepidation, because that goes against the grain of what so many people do. But of course, we talk around here about how borrowing money like you have for your rental properties in other states outside California really is not something to fear. So can you tell us more about how you approach that mindset?    Josh Fang  18:57   Absolutely, and it's always hilarious when someone asks you if you if you have any debt, and you tell them $500,000 when you're 23,24 years old, the biggest thing about borrowing money is now, again, there's different types of debt. So I'm not saying, hey, go buy some expensive car that you're going to be backwards on in a few months. Don't get a bunch of credit card debts at 24% interest rates. I'm talking about debt from a with a collateral attached to it, such as a mortgage. The way I like to think about borrowing money is borrowing like a bank, because your money has value. Whenever I have money in the actual bank, it doesn't feel like it, but I'm actually lending money to the bank. They're taking the money that I have deposited and lending it out to other people at higher rate than what they're paying you back. That's how they're actually making the money. I'm thinking like a bank. And of course, that's exactly how it is with borrowing money for rental properties. The interest rate that I have to pay on my mortgage is so much lower than how much income I'm receiving by actually renting it out and providing housing for someone. And then, of course. Tax deductions.   Keith Weinhold  20:00   Sure you're creating arbitrage there when it comes to paying off or aggressively paying down a property. I mean, some protection financially is surely good, but one has to realize that after some point, when you protect you cannot produce another way to say it is if you use your dollar to pay down, then you cannot use your dollar to multiply.   Josh Fang  20:25   I agree with that 100% I couldn't have said it any better.   Keith Weinhold  20:28   You really took action something that a lot of people don't do. I don't think you did right away. You listened to some episodes for quite a while, but you did overcome analysis paralysis at some point. So talk to us about more with that mindset of how you took the first step, even when you're still perhaps a little unsure.   Josh Fang  20:46   I think you say it best, and I know I'm literally taking the words out of your mouth, because, again, I'm a long time listener, but do the right thing before you do things right. Yes, rings so, so, so true. You're never going to be perfect. There's never going to be the perfect property. There's never going to be the perfect deal. Eventually you just have to do it. And again, all it really is is saying, Hey, here's what I want to do, and what are the steps that have to take to get there? If the first actual step, rather than just listening to the podcast or getting more information, if the first step is, hey, I want to get a pre approval. Go ahead and get it done. Reach out to a loan officer, get your pre approval, get the documents needed, get the right information that you need, and then start writing offers on properties, or contacting Keith and his team, their GRE mentoring team, and ask for property values. And once you find one, and again, you're never going to find the perfect property. Once you finally say, hey, this fits enough. Jump on it. You should be excited. I mean, again, once you're doing the right thing, you can learn to do things right. And slowly, kind of say, Hey, I made a small error there. Hey, I made a small error there. But at the end of the day, you move forward and you're ahead of where you started. I think that's the most important thing.   Keith Weinhold  21:59   Yeah. I think uncertainty stops. Some people, maybe even uncertainty with the larger economy. Or maybe people just look for excuses for inactivity. Sometimes there will always be some uncertainty out there. And what you do when you make an offer on a real asset is you just made some certainty in your life. Yeah, just talk to us more about the process of kind of you started with your first property and then growing that portfolio. And what did you learn between the first one in that second, third, fourth and fifth one, where you are now   Speaker 2  22:32   after buying my first one, when I received that first rent check, after that first rental property, my net cash flow after management expenses, putting a little, you know, VIMTIM, keeping an extra 10% away to just keep in the bank in case something came up. I wish cash flowing at the time. $231 doesn't sound like a crazy amount now, but as a 22 year old kid and saying, Hey, I got this $231 without lifting a finger, felt amazing. I had this feeling, I'm out in Southern California. We had this burger chain called in and out. My double double burger and fries combo was about $6 at the time. And I said, no matter how bad things get, no matter how bad things get, that $231 I can buy an in and out meal every single day, as long as I own that property. I just had such an overwhelming feeling of, when can I get the next one? I immediately, immediately reached out to MidSouth like, hey, put me on the list as soon as I have money. You know what? Keith, it got fun. It got fun every time I got an email saying, Hey, here's another property. Like, wow, if I can make this deal work, that's an extra couple $100 I can have at the end of the month every single day. And now I live in my own apartment complex, in a unit in an apartment complex, but at the time, I rented out a room in a house, in a condo, just a single room, and by the time I bought my second rental property, all of my cash flow from my two rentals actually covered the full amount of my monthly rent living out outside of my parents place. And that just felt so so so amazing, because it was like I almost had no overhead. So all the money that I was making for my job was completely disposable that I could use to purchase other rental properties. And that was just such an amazing, freeing feeling to know that no matter what happened, I obviously as long as there's no vacancies or any kind of crazy issues there, that I would still have that flow of income coming in pretty much after buying my first one, all I wanted to do was buy more. Now, a big issue that happened was 2020 and 2021 there was very little inventory, so really tough and slim pickings, and I would have bought a lot more if I could find more deals. And now, thinking back, I should have, if anything, I wish I bought more.   Keith Weinhold  24:50   Gosh, I just love that Josh, that seminal $231cash flow from that first property, and how you rationalize that that could buy you in and out. Meal every single day, all month. If that's what you wanted to do with that first one, that's terrific. And yes, markets change. There's more inventory available now than there was in 2020, and 2021, mortgage rates are surely higher. You don't have as much competition. You might even get a concession or two when you buy since it's a more balanced market today than it was about four years ago, for sure. So every market cycle is different. When you realize you're paid five ways at the same time, there's always one side to play or the other. There's always so many variables that you get to deal with there. Have you had any certain issues with property management, or do you have any mindset about using a property manager remotely. I assume you're using remote management for these turnkey type properties. Is that right?   100% I've actually never physically seen any of my properties. Yeah, what you say is the best, essentially, your team that manages your property is the most important by far. Right? Right now, here's the thing, issues are going to come up. Regardless of what happens. There's always going to be something that breaks. Eventually, there's always going to be vacancy. Eventually there can be natural disasters, something's always going to come up. And the thing is, you can't get angry about the things that you can't control. If there is a vacancy that you know you vetted the tenant properly, and there was nothing to do if there is a natural disaster or if something does break down in your property that you couldn't have expected coming or that wasn't your fault. The biggest thing is, you can't get angry with it. You just have to know that you can deal with it properly, and having a professional team on the other side saying, Hey, we're going to handle it. This is an issue. Here's how much it's going to cost. We got a couple of you know quotes. Please approve one when you get a chance, and knowing that the other side will be able to execute on that and to do it for you, and that you don't have to fly out wherever you own your property and do it yourself physically, or have to call around and find a contractor to do it, it's a huge peace of mind, and having a property manager and a team that you can trust just makes it work. If I couldn't get a property manager that I trusted, I wouldn't own the property in the first place. It's just too much work.   I am the same way. I also have not seen the majority of the properties I own. I've never seen them physically, in person, yeah, having a professional property manager, they provide a buffer, and they help keep this investment unemotional for you. And Mistakes happen when people get overly emotional about their properties. Some people are reluctant to hire a property manager, Josh because they don't want to pay the eight to 10% property management fee, which can actually be a little bit more than that effectively with leasing fees. But people feel that way, as oftentimes they're confining and limiting their search to their own local market, which probably isn't investor advantage. So they don't have enough of a cushion in their pro forma, in their profit and loss statement to pay for a property manager. But when you buy in those investor advantage places where you get that high ratio of rent income to purchase price. There you have the allowance to pay for the manager too,    Speaker 2  28:06   100% and luckily, because I have my foundation of real estate from listen to your podcast, I never even look at a deal without factoring in the fact that there will be management. I have never, ever even possibly considered self managing. It just makes no sense. I'd rather, let's just say it's 10% and a month's worth of lease, which is a little bit on the higher end in terms of management fees, right? Even if I were to do I would factor that in 100% of the time if the deal doesn't work, if it doesn't cash flow, if it doesn't, you know, appreciate a certain amount, if it isn't in my ballpark, with the management fees taken out, that's not even the deal that I'm looking at. It's just too expensive.   Keith Weinhold  28:47   Yeah, that's a great way to think about it, keep it unemotional and make it all relatively passive. I self managed for the first six or seven years of my real estate investing career, but that's because I was only investing in my own local market, and I was thinking small, and I didn't learn about finding the best investor advantaged places nationwide. Well, just as we wind down here, is there any last thing that you'd like to let the audience know or to tell us, I know before we recorded, you had talked about how really, your Daydream is more realistic than you think, and the motivation behind getting started. What do you want to leave with? Josh?   Speaker 2  29:22   You say it after every podcast. Don't quit your Daydream. I've been hearing that for eight years now at this point, and it really is, I don't have a day job. I pretty much only work when I feel like it. The majority of what I've lived off of is the income properties that I've bought and the lifestyle that I've crafted. It's so freeing. No one's telling you what to do. You don't have to go somewhere every day. You can spend time doing what you want. When I first quit my day job, and, you know, went into this semi retirement, I'm not gonna lie, I play video games eight hours a day for months, or maybe a month or two. I don't know if that's the most productive. It. But the fact that I could do that, I could obsess on crazy hobbies for a while was crazy. But one of the most important things to me of being able to reach this point in my life is I'm starting to get a little bit older. I am able to spend time with my family. I am able to spend time with my grandparents, and, you know, just like on a Tuesday or like on a Wednesday, just when nothing's really going on. Just being able to stop by and say hi to my family and spend time with them is something that I'm so blessed to be able to have, and not many people can do. And then the last thing I'd like to say on that is just, there's very small things in the world that a lot of people don't get a notice. Because I feel like everyone's in a rush all the time, and a lot of people are. You know, if you're working 40 hours a week, nine to five, you know, nine to six, there's not much time. But the other day, I was taking a small hike, and I saw a group of lizards. I thought they were cool, so I looked at the lizards. I spent maybe 15 minutes watching the lizards. I wasn't in a rush, you know, I could just enjoy the small things in life, and that's one of the best things in the world to just have that sense of not being in a rush. And I feel like investing in real estate and having that passive income and having that level of freedom. To me, that's what my Daydream is. There's nothing better to me.   Keith Weinhold  31:14   the simple pleasures about not having your time so confined that you could enjoy looking at lizards for 15 minutes. I love the small stuff like that. And does this mean Josh? I mean with five rental properties that you only need to work part time rather than full time, because usually five properties don't allow someone to completely leave the workforce.   Josh Fang  31:32   No, not at all. I definitely do things on the side. I still do loans for friends and family. I do some other stuff on the side, but it's more of that my basic needs are met for the most part.   Keith Weinhold  31:43   That's terrific. You've got more latitude to live and having a life of options Trumps having a life of obligations 100% Well, hey, it's been great hearing your story. Josh, loved having you here on the show you're listening to get rich education. We got to know listener. Guest, Josh Fang more, and we come back with another listener guest, profile, I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Jim Rickards  33:49   this is Arthur Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  34:05   our next listener guest has an uncanny amount of similarities with me, like me, he was a geography major in college. He had humble beginnings in upstate New York, not far from where I grew up, in upstate Pennsylvania. He's a huge believer in real estate pays five ways, and he loves world travel. His first job out of college was, in fact, traveling the world, playing basketball against the Harlem Globetrotters. We sure don't have that pro basketball part in common. He owns dozens of units across seven states today. He's listened to GRE for six or seven years, and he was a corporate guy living in California who thought the book Rich Dad, Poor Dad was fiction, until he experienced the rapid appreciation of he and his wife's first primary residence. And after that appreciation, he knew he had to acquire more real estate. Prices were too high in California relative to rent, so he. Went out of state, and he had just one property for five years to learn that was pretty similar to me as well. And then he saw tremendous opportunity after the GFC hit in 2008 and that really put him on a path through experience the five ways real estate pays over time, and he became convinced that there's not a better risk adjusted business model that's easily accessible to the average person. Hey, welcome to GRE Nate O'Neil   Nate O'Neil  35:25   Keith, it's great to be here. I've been, as you mentioned, a long time. Listener. Really appreciate the content that you put out, and excited to be on the show   Keith Weinhold  35:32   and you're no longer playing like zero defense basketball against the Harlem Globetrotters. You work in the solar industry now. I know that you sell to single family rental REITs. That's really interesting. And one thing that real estate investing lets people do is think differently about their w2 jobs. So tell us about how that manifests with you. Nate,   Nate O'Neil  35:56   growing up, you know, the first 25 years of my life, 24 years or so, my identity was wrapped up as an athlete, and, you know, something I could really get excited about eventually, that had to come to an end, and started working in the corporate world. So did that for a little while, and got going. It really, you know, didn't resonate with me that much. But, you know, I had a wife, and I had some kids on the way, so had to keep grinding it out. And, you know, as I did that, I discovered real estate, and what really helped me with that was I saw the corporate world began to be a vehicle to grow my real estate portfolio, right? Instead of it being the desk jockey in the cubicle, my corporate job was okay, this is the way for me to raise capital and get the best loans to build a real estate portfolio so, and it's ironic, because as that kind of evolved, I gained, you know, more appreciation for the corporate job, and it didn't, it wasn't so burdensome. And I know there's probably a lot of people out there right that feel that way about their job, but you can probably do a mindset shift and say, hey, you know, this can serve me in other ways and it not be such a grind.   Keith Weinhold  37:03   That's a great way to think about it. While you have that job, it sure is an asset in helping you qualify for loans. Right before I quit my job, I made sure I qualified for as many loans as I could, because I sure would have had a hard time getting them immediately after leaving my job, before I built income or build up passively from something else. It's funny, when you're in the corporate world, you're in this context of normalcy. So many people that you know are working. You're around your coworkers all day. They're working, and if it's something you're not passionate about, yeah, you still don't question it, because it takes on that context for normalcy. But once you leave your job, it feels bizarre that anyone would ever show up and spend five of their seven days and most of the waking hours of those days doing something that they're not passionate about. Now maybe you are passionate about what you do. That's where the mindset that I think through there, but that's a good way to help a person feel a little bit better showing up at their job, even if it is a soul sucking job. Nate. So talk to us about this more with this sort of power of purpose that you had, and when you are working your day job, you probably do some living below your means in the short term, but a lot of people just do that decade after decade and grind it out. So how do you think about that with the mindset in this sort of capital formation stage, in order to acquire more property while you're working?   Nate O'Neil  38:29   Like I said, it was an opportunity that the job became an opportunity to fuel the real estate business, which, as you mentioned, I saw that opportunity in 2009 right when prices were low, when interest rates were low, when there was a bunch of nice new foreclosures on the market, I saw the it created a sense of urgency in me, right? So I was like, All right, let's go to work, because the work's going to drive that capital, and the capital is going to allow us to acquire more and more of this real estate, which is, again, something I was passionate about, because we had this just that one rental for that five year period, I saw the power of what it can do over the long term. And when you have that purpose and that clarity, then all the minor stuff that you can get wrapped around and can kind of slow you down, really doesn't matter you have that big vision and that big goal that you're going after that really kind of drives you    Keith Weinhold  39:20   now, before we got started today, I learned that you have a few ways of thinking about how real estate investors can have their cake and eat it too, more tactically. Here tell us about that. And of course, what is the point of having cake if you can't eat it?    Nate O'Neil  39:33   Yeah, for sure, worked in some different industries and some different companies, and seen a lot of different business models. I've never found anything where you can have kind of both sides of the cookie here, or hack cake eat it too. You can depreciate an appreciating asset. The government allows you to depreciate homes, right? Which gives you a nice tax benefit. The money that I make that my corporate job is taxed at a much higher rate than my real estate income, but yet the asset actually appreciates. Dollars. So you depreciate an appreciating asset. I think people underestimate the power of the 30 year mortgage, right? You can lock in an interest rate today for 30 years, and if interest rates go up, you did a great job. You locked in a great, great rate. If interest rates go down, you're a champion. If you just refinance, when you do a 30 year fixed rate mortgage, the lender is committing to you for three decades, but you don't have to commit to them. So again, have your cake and eat it, too. And then you know the whole return on amortization that you talk about, Keith, yeah, when you get to borrow money that you don't have to pay back, in essence, right? The resident that's in your home is paying that money back. So people think about they hate getting bills in the mail. I actually love getting my mortgage statements in the mail. Every month I go through this little ritual, I look at it, and my process is, wow, how much was that principle paid down? Right? I didn't pay it back, right? The rent payment paid it back. So what other scenario can you borrow money that, quote, unquote, someone else is paying back on your behalf,   Keith Weinhold  41:02   that ROA, that return on amortization, also known as principal pay down. Where, yes, you get that statement every month, and you get to see how much a stranger paid down for your property. It's basically a stranger every month is faithfully funding an illiquid savings account for you,   Speaker 3  41:22   it's just incredible. And then the final way I kind of think about having your cake and eating it too, is, is this HELOC strategy. So over time, as you build equity in your portfolio, you can take out a home equity line of credit, right? And the beauty of a line of credit is you open it up and you don't have to make any payments if you don't use the money. But when there's an opportunity, you can pound for that opportunity. And this is what we did in 2020 and 2021 we acquired some new construction fourplexes with HELOCs. And when in using the HELOC strategy, you're able to use every single dollar to keep the balance low. And what it does is it creates this virtuous cycle of increasing cash flow, because it's a line of credit, and you pay off against that, that line of credit, if you need the money back for an emergency, or if a better opportunity comes up, then you basically just pull more off that line of credit. But if you don't have that opportunity of that emergency, then your money is fully working to keep that payment low, which increases your cash flow, and again, it creates that virtuous cycle of of increasing cash flow, which you can use to pay down the HELOC. Even more   Keith Weinhold  42:29   I see no downsides to getting a HELOC to getting a line of credit against your existing primary residence or your rental properties, whatever they are. It's like this flexible credit card where you're drawing on it with your property as collateral, and it's at lower interest rates than a credit card is going to be. And you also have interest only flexibility, meaning even if you draw against it, and you do have a balance and you need to make a payment, therefore you can pay as little as only the interest portion if you want to. In fact, when I bought my first fourplex in order to fund my second fourplex, I took a HELOC second mortgage off of that first one. Love the HELOC really can't think of any downsides with at least having it there. And then it's up to you as to whether you want to draw against it or not. Absolutely talk to us more about you're another out of state investor based in high cost California. There. It sounds unusual to lay people, but here we are as successful investors owning these properties, typically that we have never seen out of state. Are you in that category as well? And talk to us more about the out of state investing experience   Speaker 3  43:40   I've only ever seen one of the units that I own, the rental units that I own, and I actually think it's a huge advantage, because if you're seeing them driving by them all the time, there's probably little nits that you could point out, and, you know, you get some kind of emotional attachment to them. The way I look at it, it's two things. Number one, it's the spreadsheet behind it, right? What are the numbers behind it? What is my mortgage payment? Is there Hoa, taxes, insurance, all that stuff, and what is my rent? And obviously, I'm all about cash flow, so that rent payment has to cover all the expenses with a little extra. The second piece of it behind the spreadsheet is the person managing it right? And I've been very fortunate over my years of investing to find some really quality property managers who I know I can trust. So, you know, absolutely, I mean, developed an ability to hire the right people to manage the property, and they handle just about everything, and I just need to be there, available for them if they have questions for me or decisions I need to make. Fully trust them. I have only ever seen one of the units that I own, and you know, never really planned to go out and visit them.   Keith Weinhold  44:44   You do like to travel, but just not necessarily to your 200k turnkey single family home in the Midwest, in the south, not where you want to stay. There are some advantages and some disadvantages of owning rental properties, say, four blocks from your home. One of the distinct disadvantages is, yeah, you might get that emotional attachment to it. You might get bogged down in inconsequential things. You might drive by and see that the hedge needs a trim. How much of a problem is that really?   Nate O'Neil  45:14   Exactly it, as long as the spreadsheet behind it is spitting out the right numbers, and you have someone that you can trust that can handle anything that that's major, or any tenant issues that's all that's really relevant.   Keith Weinhold  45:26   Has our investment coaching helped inform you at all? Helped you find properties or give you inside information or access to deals or other support?    Nate O'Neil  45:35   Yeah, I have had a conversation with Naresh. One of your investment counselors doesn't, haven't necessarily acted upon that. But, you know, I can say over the, you know, six to seven years that I've been listening to your podcast just understanding kind of the macroeconomic guests that you bring on in the markets that we believe, you know, are good for investing. Like that, information has been extremely valuable to me over the years.    Keith Weinhold  45:57   Our coaches are really deal scouts here in today's market. For example, things are just so much different than they were during the 2008 GFC years. There are always deals in every cycle. You typically just need to shift and find out where those opportunities are. Are there any specific niches or opportunities that you're exploiting today in this particular cycle? Nate   Nate O'Neil  46:19   yeah. So it's really interesting, and I've been spoiled, right in terms of the times when I did a lot of my acquisition back in 2008 we knew it was good, but looking back, you realize just how good it was at that time, and frankly, now is very challenging, right? I mean, affordability is the worst that's been in 40 years. Yeah, right. So you have to be really creative. You know, one of the things that I did recently was I learned how to do a loan acquisition. So assuming a loan can be very helpful, right where you're not dealing with today's interest rates, you can get yesterday's interest rates on a property. So that's been one thing, and one thing I continue to look at. I also believe that I've been focused on single family in some four plexes. I'm looking at smaller multifamily because what I've learned is there's opportunity when there's debt disruption, right? The great financial crisis happened because there were atrocious lending standards leading up to that time, right? So that opened up a window of opportunity. That opportunity is closed. Acquired some fourplexes in 20 and 21 when interest rates were unbelievably low, right? Basically, the Fed funds rate was basically zero. That kind of unique debt situation allowed me to acquire there and now, right? Since 2022 interest rates spiked so quickly, the way I think about it is the debt disruption period, there's probably some acquisitions that happened with, you know, three to five year short term loans that are going to be coming due, and those acquisition are facing payments that are going to double. So there could be some motivated sellers, not in the single family right, where you have 30 year fixed rate or 15 year fixed rate, but in those small, multi family loans, where they have those short term variable rate debts. So that's kind of how I'm thinking right now.   Keith Weinhold  48:05   That's perceptive. It's something I brought up on the show a month or more ago where apartment buildings have got to bottom out at some point those being sensitive to those shorter term interest rates. Well, Nate, this has really been helpful. You've given our audience quite a few things to think about. Is there any last thing that you'd like the audience to know?   Speaker 3  48:25    We talked a little bit about purpose, like that's very important. There is no better way, in my opinion, to build wealth for the average person, no more predictable way risk adjusted, to build wealth for the average person. You know, for the listeners out there. It's great that you're consuming this content, and if you can find a purpose behind it, then it'll help. And the other thing is, get clarity, right? There's a lot of different things you can do within real estate investing, but get clarity on what works for you. And the way to do that, frankly, is just kind of sit and think, I think, you know, especially in today's day and age, there's so many stimulus coming at us, from social media to everything that there's a risk of not being able to get clear. One of the big things that helped me during that, that period of, you know, 2009 to 2015 when we started to scale, was I was very clear about what we wanted. I had a buy box that was, you know, homes built this millennium B grade neighborhoods, cash flowed $300 or more with no more than 25% down in markets with population growth, job growth and favorable rent to price ratios. And when I was able to communicate with the agents and property managers, I was very clear on what we wanted to do. They had clarity on what they needed to do to help us scale so purpose and clarity.   Keith Weinhold  49:41   That's great guidance a specific Buy Box. Yes, focus is harder to find, and it's really important today. It's amazing. Nate, how much work I get done when my phone is one room away, over on the charger. It's incredible how that works. Well, it's been good to get your insight, and it's been good to talk to a guy. That might know the capital of Argentina much like I know a fellow geography guy and real estate investor. Yeah. I really want to thank you for sharing your insight with the audience today.    Nate O'Neil  50:11   Nate, I hope it's valuable for you in the audience.   Keith Weinhold  50:20   Oh yeah, good, relatable material this week, the first guest, Josh, also talked about how he took out a low interest rate car loan. So he held onto those funds rather than handing them over to an auto dealer, stayed liquid and used it for income property, creating a yield for himself that beat the car loan interest rate pretty smart. And before you do that, you do want to be sure that you've got enough liquidity to serve as debt. And then Nate the second one, the more experienced investor, reminding us that deals are not as good as they were coming off the global financial crisis. And he's right, but I still don't know of a better risk adjusted return today, like me, they both use professional property management. I mean, you do have the option of self managing your property remotely that you get from GRE marketplace. But of all the things in the world that you can learn about, even all the things in real estate investing that you can learn about, is self managing really what you want to spend your finite resource of time learning about. Even if you've got good tenants, you're bringing more intrusion and interruption into your life. Property managers don't just protect your asset, they protect your time. Big thanks to GRE listeners, Josh Fang and Nate O'Neil today until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  51:50   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  52:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   The preceding program was brought to you by your home for wealth, building, get rich, education.com.    

On this episode of Comedy Saved Me, we sit down with the powerhouse storyteller and stand-up veteran Bret Ernst. Known for his razor-sharp wit, heartfelt honesty, and unforgettable tales from the stage and beyond, Bret opens up about the role comedy has played in navigating life’s toughest moments—from a turbulent childhood and family upheaval to the wild ride of show business. Bret shares hilarious and moving stories about growing up with a single mom, bouncing between Florida and New Jersey, and attending 15 different schools—all while developing the survival skills and comedic chops that would later define his career. He reflects on his Italian-American roots, the chaos of family, and the unique way humor helped him handle adversity, loss, and the unpredictable turns of adulthood. Listeners will get an inside look at Bret’s creative process, his journey from early gigs to acclaimed specials like Principal’s Office and Uncaged, and his philosophy on finding laughter—even in the darkest times. Whether he’s riffing on childhood mischief, the absurdities of marriage and divorce, or the power of storytelling, Bret’s conversation is as honest as it is hilarious. Join us for an episode packed with laughter, resilience, and the kind of real talk that proves—sometimes, comedy really can save you.Support the show: https://takinawalk.com/See omnystudio.com/listener for privacy information.

KB is BACK and welcomes newest 76ers draft pick V.J. Edgecombe to Philly! He discusses the pick, why he's become a V.J. guy, and why this pick is so pivotal for the 76ers establishing a franchise culture that can last and be meaningful. Welcome to Philly, V.J.! Onboarding Form: forms.gle/mZYnkiQcGv1ZxBSg9 Voicemail Line: speakpipe.com/UndergroundSportsPhiladelphia Support Our Sponsors! The City of Vineland: Visit www.vinelandcity.org/ and stay connected with the community and learn about important announcements, programs, and services offered by the city! Vineland, New Jersey... Where It's Always Growing Season! Rita's Italian Ice & Custard of Sewell, NJ: Visit Rita's in Sewell, NJ at 288 Egg Harbor Road and enjoy the best italian ice, cream ice, custard, and more all season long! Ice-Custard-Happiness '47 Brand Shop for your favorite sports fan and get FREE SHIPPING on ALL orders with '47 Brand! 47.sjv.io/e1Nyor Kenwood Beer Visit kenwoodbeer.com/#finder and see who has Kenwood Beer on tap in YOUR area and crack open an ice cold Kenwood Beer to celebrate Victory Monday and the holiday season! (MUST be 21+ to do so and PLEASE drink responsibly.) Merch & Apparel: www.phiapparel.co/shop + Use Code "UNDERGROUND" for 10% off! Biñho Board Get 10% off your entire order with code BINHOBENNETT62 at checkout when you use our link! binhoboard.com?bg_ref=pDJkDdNO1y Follow Us! Twitter: twitter.com/UndergroundPHI Instagram: www.instagram.com/undergroundphi/ TikTok: tiktok.com/@undergroundphi KB: twitter.com/KBizzl311 Watch LIVE: YouTube: www.youtube.com/@UndergroundSportsPhiladelphia FB: facebook.com/UndergroundSportsPHI Twitch: twitch.tv/UndergroundsportsPHI Intro Music: Arkells "People's Champ" Outro Music: Arkells "People's Champ" #fyp #NBA #NBADraft #VJEdgecombe #Sixers #7ers #RitasPartner #download #review #subscribe

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It's Monday, June 30th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus South Korea detains 6 Americans sending Bibles into North Korea South Korean authorities detained six Americans today after they attempted to send 1,600 plastic bottles containing miniature Bibles into North Korea by sea, reports International Christian Concern. In Isaiah 55:11, God says, “My Word that goes out from My mouth: It will not return to Me empty, but will accomplish what I desire and achieve the purpose for which I sent it.” According to the Gwanghwa Island police, the Americans are being investigated because they allegedly violated the law on disaster management. The Americans reportedly threw the bottles, which also included USB sticks, money, and rice, into the sea, hoping North Koreans would eventually find them washed up on their shore. The police did not disclose the contents of the USB sticks.   Christian missionaries and human rights groups have attempted to send plastic bottles by sea and balloons by air into North Korea. Sadly, South Korean President Lee Jae Myung, who was just elected June 4, 2025, has pledged to halt such campaigns, arguing that such items could provoke North Korea.   According to Open Doors, North Korea is the most dangerous country worldwide for Christians. Trump's Big, Beautiful Bill clears procedural vote The U.S. Senate advanced the latest version of President Trump's “One Big Beautiful Bill” in a procedural vote on June 28, clearing the way for floor debate on the substance of the sweeping megabill, reports The Epoch Times. This moves Republicans one step closer to delivering on key parts of President Donald Trump's second-term agenda. The bill advanced in a vote of 51 to 49, with enough Republican holdouts joining party leaders to avoid the need for Vice President J.D. Vance's tie-breaking vote and to push the measure forward despite lingering concerns about some of its provisions. Republican Senators Susan Collins of Maine and Josh Hawley of Missouri, two pivotal holdouts, said on June 28 that they would vote to advance the megabill, pointing to revisions unveiled by party leaders on June 27 that addressed some of their earlier objections. Hawley, who had previously objected to proposed Medicaid cuts, told reporters on June 28 that he would back not only the motion to proceed, but also final passage of the bill. He credited his decision to new language in the updated bill that delays implementation of changes to the federal cap on Medicaid provider taxes—a provision he said would ultimately bring more federal funding to Missouri's Medicaid program over the next four years. In an attempt to delay passage of the bill, Senate Minority Leader Chuck Schumer of New York and his fellow Democrats required that the clerks read the entire 940-page bill out loud, which took 15 hours 55 minutes through yesterday afternoon, reports CBS. The chamber began up to 20 hours of debate on Sunday afternoon which you can watch through a special link in our transcript today at www.TheWorldview.com. Senate Majority Leader John Thune expects a final vote on the package sometime today. Two GOP defections on Trump's Big Beautiful Bill There were two Republicans who voted against advancing Trump's Big Beautiful Bill, reports The Hill.com. Senator Rand Paul of Kentucky, who opposes a provision to raise the debt limit by $5 trillion, and Senator Thom Tillis of North Carolina, who says the legislation would cost his state $38.9 billion in federal Medicaid funding. Three other Republicans, who had wavered, changed their minds.  Senator Ron Johnson of Wisconsin changed his “no” vote to “aye,” and holdout Senators Mike Lee of Utah, Rick Scott of Florida, and Cynthia Lummis of Wyoming also voted yes to advance the bill. The bill had suffered several significant setbacks in the days and hours before coming to the floor, at times appearing to be on shaky ground. Trump blasted Tillis on Truth Social, vowing to interview candidates to run against him in the upcoming senatorial primary. He said, “Looks like Senator Thom Tillis, as usual, wants to tell the Nation that he's giving them a 68% Tax Increase, as opposed to the Biggest Tax Cut in American History! “America wants Reduced Taxes, including NO TAX ON TIPS, NO TAX ON OVERTIME, AND NO TAX ON SOCIAL SECURITY, Interest Deductions on Cars, Border Security, a Strong Military, and a Bill which is GREAT for our Farmers, Manufacturers and Employment, in general. Thom Tillis is making a BIG MISTAKE for America, and the Wonderful People of North Carolina!” Just one day after drawing President Trump's ire for opposing the party's  sweeping domestic policy package, Senator Tillis surprisingly announced that he will not seek a third 6-year term in 2026, reports The Guardian. Trump's bill does defund Planned Parenthood President Trump's Big, Beautiful Bill still includes language to stop forced taxpayer funding of Planned Parenthood and Big Abortion for one year, reports LifeNews.com. The good news is that Planned Parenthood defunding is retained in the final version of the bill, but the bad news is that the 10 year funding ban has been scaled back to just one year. According to Planned Parenthood's latest annual fiscal report, the organization killed more than 400,000 babies through abortion in 2023 and 2024 and received nearly $800 million from taxpayers. Susan B. Anthony Pro-Life America President Marjorie Dannenfelser said, “The One Big Beautiful Bill Act that stops forced taxpayer funding of the abortion industry has been retained in the Senate bill, as we were confident it would, though for one year. This is a huge win.” Jeremiah 1:5 says, “Before I formed you in the womb I knew you, before you were born I set you apart.” Call your two U.S. Senators ASAP on Monday at 202-224-3121 to urge them to retain the defunding of Planned Parenthood in the bill. That's 202-224-3121. Supreme Court curbs injunctions that blocked Trump's birthright citizenship plan Last Friday, the Supreme Court handed the Trump administration a major win by allowing it, for now, to take steps to implement its proposal to end automatic birthright citizenship for the children of illegal immigrants, reports NBC News.  TRUMP: “That was meant for the babies of slaves. It wasn't meant for people trying to scam the system.” In a 6-3 vote, the court granted the request by the Trump administration to narrow the scope of nationwide injunctions imposed by judges so that they only apply to the states, groups and individuals that sued. TRUMP: “This was a big decision, an amazing decision!”  The White House said, “Since the moment President Trump took office, low-level activist judges have been exploiting their positions to kneecap the agenda on which he was overwhelmingly elected. Of the 40 nationwide injunctions filed against President Trump's executive actions in his second term, 35 of them came from just five far-left jurisdictions: California, Maryland, Massachusetts, Washington, and the District of Columbia. “Now, the Trump administration can promptly proceed with critical action to save the country — like ending birthright citizenship, ceasing sanctuary city funding, suspending refugee resettlement, freezing unnecessary funding, and stopping taxpayers from funding transgender surgeries.” Appearing on Fox News Channel, Jonathan Turley, a George Washington University Law School Professor, explained that this is a major victory for Trump. TURLEY: “This is a huge win for him. It does negate what has been a stumbling block. These judges have been throwing sand in the works in many of these policies, from immigration to birthright citizenship to [Department of Government Efficiency] cuts -- that will presumably now be tamped down. If these judges try to circumvent that, I think they'll find an even more expedited path to a Supreme Court that's going to continue to reverse some of these, lift some of these injunctions.” President Trump agreed wholeheartedly. TRUMP: “We've seen a handful of radical left judges effectively try to overrule the rightful powers of the president, to stop the American people from getting the policies that they voted for in record numbers.” Professor Turley was shocked by the forcefulness of Amy Coney Barrett's 96-page majority opinion, which took on leftist Justice Ketanji Brown Jackson, the author of the 20-page dissent.  Barrett wrote, “We will not dwell on Justice Jackson's argument, which is at odds with more than two centuries' worth of precedent, not to mention the Constitution itself. … Justice Jackson decries an imperial Executive while embracing an imperial Judiciary.” TURLEY: “The opinion was really radioactive in this takedown of Justice Jackson. I've been covering the Supreme Court for decades. It's rare to see that type of exchange. The important thing to remember is that Justice Barrett delivered what was essentially a pile driver. “But she didn't do it alone. I mean, her colleagues signed on to this. And I think it's very clear that the majority is getting tired of the histrionics and the hysteria that seems to be growing a bit on the left side of the court.” Turley cited two examples of the hyperbolic rhetoric of the three leftist judges on the Supreme Court. TURLEY: “It's the hyperbole that's coming out of the dissent that is so notable. Justice [Sonia] Sotomayor, in that Maryland case, said that giving parents the ability to opt out of a few [pro-homosexual/transgender] lessons was going to, ‘create chaos and probably end public education.' Justice [Ketanji Brown] Jackson saying this could very well essentially be the ‘death of democracy.' It's the type of hyperbole that most justices have avoided.” Even CNN's Michael Smerconish said that Trump is meeting and surpassing expectations. SMERCONISH: “By any objective measure, President Trump has his opponents on the run.” 30 Worldview listeners gave $8,873 to fund our annual budget And finally, toward our $123,500 goal by today, June 30, to fully fund The Worldview's annual budget for our 6-member team, 30 listeners stepped up to the plate. Our thanks to Frederick in Kennesaw, Georgia who gave $20 as well as Michael in Abbotsford, British Columbia, Canada, Kenyon in Merritt Island, Florida, Leslie in Florham Park, New Jersey, Augustine in Auburn, California,  Anastasia in Beausejour, Manitoba, Canada, and John-William in Sapporo, Hokkaido, Japan – each of whom gave $25. We appreciate Tim in Derby, New York who gave $33 as well as Charles from an unknown city, Yvonne in Cornwall, New York, Stephanie in Mesa, Arizona, James and Mary in Glade Valley, North Carolina, Colleen in Goose Creek, South Carolina, Glenn and Linda in Palmdale, California, Timothy and Brenda in Colorado Springs, Colorado, George in Niagara Falls, New York, Keziah in Walpole, New Hampshire, and Bob in Wilmot, South Dakota – each of whom gave $50. We're grateful to God for Samuel in Bartlett, Tennessee, Elizabeth in Cordova, Illinois, Amy in Snohomish, Washington, Kevin in North Bend, Oregon, Carl and Mary in Chaska, Minnesota, and an anonymous donor through the National Christian Foundation – each of whom gave $100. And we were touched by the generosity of Tobi (age 17), Kowa (age 15) Jedidiah (age 14), and Kensington (age 11) in Star, Idaho who pooled their resources and gave $140, Royal in Topeka, Kansas who gave $250, Joe and Becky in Gainesville, Georgia who pledged $40/month for 12 months for a gift of $480, Stuart in Zillah, Washington who gave $500, Stephen in California, Maryland who pledged $100/month for 12 months for a gift of $1,200, and an anonymous donor through the National Christian Foundation who gave $5,000. Those 30 Worldview listeners gave a total of $8,873. Ready for our new grand total? Drum roll please.  (Drum roll sound effect) $112,959.55!  (People clapping and cheering sound effect)   Wow!  To each one of you who gave Friday and over the weekend, thank you! That means by tonight, we need to raise the final $10,540.45 on this Monday, June 30th, our final day to get across the finish line to fund the 6-member Worldview newscast team. 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Close And that's The Worldview on this Monday, June 30th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

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