Podcasts about Inking

Fed Chair Jerome Powell maintained the FOMC is well-positioned to adjust with economic uncertainty after it left interest rates unchanged. Andrew Brenner believes employment will be a major concern ahead, as he has doubts behind strength seen in recent prints. Inking trade deals with countries, particularly China, is what Andrew deems critical to opening a path forward for the Fed and economy.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Opening Takes: Kevin O'Conell the new Kyle Shannahan Quick Hitters: Bill Belichick in line to be the New HC of UNC, Randy Moss stepping away from football, Heisman Finalists, College Football Playoff Bracket, Jaun Soto 15 year $765,000,000 contract Ballers & Bums Parlay to Poverty

We wanna hear from you! Send us a message here :) Hailing from Kenansville, NC, Wesko has quietly emerged as a country maverick with a knack for “real cowboy tunes,” as he calls ‘em. Inspired by everyone from Neil Young and Eric Church to My Chemical Romance and Green Day, he has architected a raw and real style of his own. No stranger to hard work, he has impressively balanced a full schedule at University of Mount Olive with an intense full-time job as a foreman for an erosion control company—all the while gaining traction on songs such as “Burning House” and “No Surprise.” He also notably attracted an audience one fan-at-a-time, gaining traction locally and magnifying his imprint on social media. Inking a deal with underscore works recordings / Warner Records in 2024, Wesko holds nothing back on his debut Lost Boys EP and more to come.Donate HERE to help the folks in Western North Carolina!Support the show

The Inkwell Awards has announced its 2025 inking challenge, featuring Al Milgrom. Abrams to release Spider-Man: Panel by Panel, a look back at the character's early days. Today is Olivier Coipel's birthday.SUBSCRIBE ON RSS, APPLE, ANDROID, SPOTIFY, OR THE APP OF YOUR CHOICE. FOLLOW US ON TWITTER, INSTAGRAM, TIKTOK, AND FACEBOOK. SUPPORT OUR SHOWS ON PATREON.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

We had the pleasure of interviewing charlieonnafriday over Zoom video!The 21-year-old singer-songwriter who bobs and weaves freely between alternative, pop, and country, got his start by cooking up genre-busting anthems in his Seattle basement, turning his high school dreams into an impressive reality in DIY terms. His certified platinum hits “After Hours” and “Enough” have certainly solidified him as one to watch. He's also opened for heavy-hitters like Tate McRae, Macklemore, and Jesse Murph.After building anticipation with one banger after another, charlieonnafriday, who has amassed nearly 1 billion global streams with his string of irrepressible releases since 2022, unveils his anxiously-awaited debut album, WILD CHILD, out now via Island Records.The record showcases his immense growth as a songwriter, vocalist, performer, and formidable presence. This time around, he powers up irresistible pop hooks with his classic hip-hop bounce, and just the right amount of country swagger, making each record accessible to all music lovers, no matter their genre of choice. Earlier this month, he set the stage for WILD CHILD with the intoxicating single “Bottle Go Down” supplemented by its high seas yacht party music video (living his best life, of course). Across the album, he continues to amplify this energy and remains musically unpredictable at every turn—from the hypnotic “Warning Shot” to the hummable “When It Rains.”ABOUT CHARLIEONNAFRIDAY:Cooking up genre-busting anthems out of a cluttered and cramped Seattle basement, charlieonnafriday (a.k.a. Charlie Finch) unassumingly transformed a high school dream into an impressive reality in D.I.Y. fashion and on his own terms. As he scaled multiplatinum heights, gathered billions of streams, and performed to sold out crowds, he always clung tightly to what brought him to that point in the first place. He makes music with the indisputable integrity surrounded by “day one” friends—fondly known as his “onnafriday” clique. He initially lit up TikTok mid-Pandemic. Inking a deal with Island Records, he ignited the platinum-certified “After Hours” and platinum-certified “Enough.” In between, he collaborated with everyone from Lil Tjay to Bankrol Hayden. He also earned acclaim from Billboard, People, and many more. Renowned for unpredictable and undeniable shows, he performed to packed audiences on bills with the likes of Macklemore, Jessie Murph, and Tate McRae. However, everything just set the stage for more music to come in 2024.We want to hear from you! Please email Hello@BringinitBackwards.comwww.BringinitBackwards.com#podcast #interview #bringinbackpod #charlieonnafriday #NewMusic #ZoomListen & Subscribe to BiBhttps://www.bringinitbackwards.com/followFollow our podcast on Instagram and Twitter!https://www.facebook.com/groups/bringinbackpodBecome a supporter of this podcast: https://www.spreaker.com/podcast/bringin-it-backwards--4972373/support.

In this episode of Slick Talk, Wil shares personal anecdotes, including the story behind his Good Morning Hospitality (GMH) tattoo. The discussion covers Wil's adventures in New York City, the impact of his decision to get a GMH tattoo, and his drive to keep innovating in hospitality media. The podcast explores the growth of Slick Talk, Will's podcasting journey, and the evolution of the hospitality industry post-COVID. Key moments include Wil's candid answers about his challenges and inspirations, insights on effective brand building, and his aspirations for upcoming projects. Join the conversation as Wil reflects on hosting duties, podcasting, and balancing life as a hospitality entrepreneur. Going to VRMA? Register for our FREE Coffee Hour happening on the 15th! This episode is brought to you by our sponsors at: Minut – Minut has more than just security features! They monitor noise, movement, and occupancy all within one device, and all Slick Talk listeners get 2 months FREE when they sign up with this link! Hostfully – Use code SLICKTALK for three months free of their digital guidebook or $100 off their property management platform! Hudson Creative Studio - Get your direct booking site and brand built by them, and never look back! Follow Suite Success on your favorite podcast platform: www.suitesuccesspodcast.com Suite Success on Apple Podcast Suite Success on Spotify ——– Thank you for tuning into our podcast! Slick Talk is a Hospitality.FM production, and you can find more of our shows at Hospitality.FM or anywhere else you listen to your podcasts! Listen to more episodes on our website and take a look at our amazing podcast and network sponsors that make this all possible! You can also listen to our Monday morning podcast, Good Morning Hospitality, where we discuss the industry in a more casual setting! If you ever want to contact us for guest suggestions or anything else related to the podcast, please fill out our contact form, and we will be in touch! Last but not least, we love to connect on LinkedIn! Let's connect there so you can see the daily content we post beyond the podcast! Learn more about your ad choices. Visit megaphone.fm/adchoices

In episode 28, JJ McQueen, a tattoo artist from Think Tank South in Littleton, Colorado, dives into her journey within the tattoo industry, highlighting the evolving traditions and the personal significance of tattoos as forms of self-expression and rebellion. Recorded in the vibrant atmosphere of a tattoo shop, this conversation explores JJ's transition from hairstyling to tattooing, emphasizing the importance of mentorship and the respected pathway of traditional apprenticeship despite emerging educational alternatives.JJ discusses the psychological impacts of visible tattoos on personal identity and societal perceptions, as well as the liberating aspects of embodying one's artistry through physical self-expression. The episode also reflects on changing societal norms that now embrace more diverse lifestyles and personal choices, illustrating this shift through personal experiences and the broader cultural acceptance of tattoos.Themes of authenticity, self-advocacy, and personal growth are interwoven with discussions about the risks and commitments associated with becoming and being a tattoo artist. This episode is a deep dive into how personal and professional lives can intersect in uniquely artistic ways, challenging listeners to consider how small acts of rebellion through personal choices can lead to profound personal and professional fulfillment.Guest Information:Connect with JJ McQueen on Instagram - https://www.instagram.com/jj.mcqueentattoos/JJ McQueen's Website - www.jjmcqueentattoos.comReferences:Think Tank South - https://www.thinktanksouth.com/Don't forget to subscribe and leave a review if you enjoyed this episode.Credits and Acknowledgements:Hosted, Produced, and Edited by Heather Pridemore. https://www.linkedin.com/in/heather-pridemore-mba/Thank you for tuning into small acts of rebellion. Ready to start a revolution? Please share it with others who aspire to redefine success on their own terms.Don't forget to subscribe for more stories of personal and professional defiance. For additional content, follow us on Instagram @smallactsofrebellionpodcast & @PridemoreCoaching and visit us at PridemoreCoaching.com.Keep owning your story!

The SoS Team puts one of their own in the hot seat as Courtney and Cristina interview Dr. Christopher Lynn about his book Transcendental Medication: The Evolution of Mind, Culture, and Healing. His book offers a unique perspective on why human brains evolved to have consciousness, yet we spend much of our time trying to reduce our awareness. It outlines how limiting consciousness—rather than expanding it—is more functional and satisfying for most people, most of the time. He suggests that our brains evolved mechanisms to deal with the stress of awareness in concert with awareness itself—otherwise, it is too costly to handle. Defining dissociation as “partitioning of awareness,” Dr. Lynn touches on disparate cultural and psychological practices such as religion, drug use, 12-step programs, and dancing. The chapters draw on biological and cultural studies of Pentecostal speaking in tongues and stress, the results of our 800,000+ years watching hearth and campfires, and unconscious uses of self-deception as a mating strategy, providing practical insights into our daily lives. As a professor of Anthropology at the University of Alabama, Dr. Lynn's research explores critical intersections between culture and health. His work also includes investigating the relationship between tattooing practices, known as tatau, and immune response among Samoans to understand how cultural practices may influence physiological responses. Dr. Lynn is also the executive producer and co-host of the Inking of Immunity podcast. ------------------------------ Find the book discussed in this episode: Transcendental Medication Lynn, C. D. (2022). Transcendental Medication: The Evolution of Mind, Culture, and Healing. Routledge. ------------------------------ Contact Dr. Lynn:Website: cdlynn.people.ua.edu/, E-mail: cdlynn@ua.edu, Twitter:@Chris_Ly ------------------------------ Contact the Sausage of Science Podcast and Human Biology Association: Facebook: facebook.com/groups/humanbiologyassociation/, Website: humbio.org, Twitter: @HumBioAssoc Cristina Gildee, Guest Co-Host, HBA Junior Fellow, SoS Producer Website: cristinagildee.org, E-mail: cgildee@uw.edu, Twitter:@CristinaGildee Courtney Manthey, Guest-Co-Host, Website: holylaetoli.com/ E-mail: cpierce4@uccs.edu, Twitter: @HolyLaetoli

Justin Scoggins has a passion for tattoos, and a passion for an authentic Christian faith, and finds an intersection of the two in his new book "Inking Christ: A Theological Approach to Faith." In a discussion that goes way beyond the surface discussion of ink and skin, we talk about what it means to be a true Christian witness, the status of our bodies as "temples," and what the Bible passages about "marking ourselves" are really about. This was a fascinating exploration for all of us. Dr. Justin Scoggins has is currently Associate Director of Homeless Outreach in Winter Haven, Florida and holds a Doctorate in Theology. From Quoir Publishing: Inking Christ is a celebration of art, faith, and the myriad ways they intertwine. It is an invitation to view tattoos not as marks of rebellion or mere decoration, but as sacred symbols that narrate the story of one's walk with Jesus. Through this book, Dr. Scoggins aims to inspire believers to embrace the artistry of tattoos as a legitimate and meaningful form of worship, reflecting the beauty and love of Christ in a unique and personal manner.

In this captivating episode of IYGADAP, we sit down with legendary comic book artist and writer Phil Hester. From his early days growing up in a small town to becoming a celebrated figure in the comic industry, Phil shares stories that are both insightful and inspiring. We delve into his experiences working on Swamp Thing and the challenges of taking on such an iconic character before feeling truly ready. Phil also opens up about the Invincible Universe and how his upbringing influenced his creative process. Plus, we explore the intriguing concept of the "Hester Paradox" and much more. Whether you're a longtime fan or new to his work, this episode is packed with deep dives into the world of comics and storytelling.   ======================== Podcast Networks:       Zeo to Hero Podcast Network: https://zeotohero.com/         OIW Podcast Network: https://www.oiwpodcastnetwork.com/         ======================== Merch! https://iygadapshop.etsy.com/    Stickers By Stasha: https://linktr.ee/stickersbystasha        =======================     Original Geek Comics: https://www.originalgeekcomics.com/    https://linktr.ee/OrgnlGeek    Original Geek: Beyond The Panels Podcast: https://www.redcircle.com/show/ogbeyondthepanels     ==========================================   Diamond State Wrestling: https://www.youtube.com/@diamondstatewrestling   www.diamondstatewrestling.com        If You Give A Dad A YouTube Channel: https://www.youtube.com/@IfYouGiveADadAYoutubeCha-uw7zm    If You Give A Dad A Cosplay: https://www.youtube.com/@IfyougiveadadaCosplay-nl9hc   ========================= musical credits for show:       Beginning Music from https://www.Tunetank.com           Intro theme sampled from: https://pixabay.com/music   (find whole song there)       Outro music by: D.Cure Produced by: tunnA Beatz If you enjoy his music, be sure to check out his website as well! www.dcurehiphop.com         ===========================       Linktree to follow me: http://linktr.ee/Giveadadapodcast      

Welcome back to Color/Break, your third favorite comic book podcast hosted by KodyCollects and ComicBookStache! In this episode... Kody and Stache are joined by acclaimed comic book creator and artist Joshua Hixson (https://www.instagram.com/joshixson)! They discuss Josh's journey into the comic book industry, monster and character designs, comic book lettering and inking, as well as the recent switch to all digital art. 00:00 Intro 01:00 Our Guest, Josh Hixson! 02:10 Josh's Journey into the Comic Industry 13:52 Influences on Josh's Work and Favorite Artists 17:46 Monster Design and Character Design 26:21 Comic Book Lettering 29:18 Comic Book Coloring 37:24 Switching to All Digital Art 42:36 Working with James Tynion IV 47:42 Future Plans Thanks so much for listening/watching! New episodes released every 2 weeks.

A global popstar is set to face the likes of Meatloaf and Kiss if they accept a deal to perform at the AFL grand final.  The Northern Territory Police Minister set to announce whether the Alice Springs curfew will be extended today.  Buckingham Palace throwing the doors open to visitors to the east wing for the first time in 175 years.  Heartache for Aussie Alex De Minaur who's pulled out of Wimbledon and is now in doubt for the Olympics.   See omnystudio.com/listener for privacy information.

A global popstar is set to face the likes of Meatloaf and Kiss if they accept a deal to perform at the AFL grand final.  The Northern Territory Police Minister set to announce whether the Alice Springs curfew will be extended today.  Buckingham Palace throwing the doors open to visitors to the east wing for the first time in 175 years.  Heartache for Aussie Alex De Minaur who's pulled out of Wimbledon and is now in doubt for the Olympics.   See omnystudio.com/listener for privacy information.

The Chicago Blackhawks were incredibly busy on Monday, July 1 as NHL free agency opened. Inking seven players to new deals, Tony and Ron are back recapping the additions. From talking a bit about the NHL Draft, to the free agents, to some way-too-early lineups, the duo dives deep into Blackhawks hockey and the upcoming season with plenty of fun and engaging topics. Four Feathers Pod is presented by ⁠⁠⁠⁠⁠OnTapSportsNet.com⁠⁠⁠⁠⁠, your go-to source for Blackhawks news⁠⁠⁠⁠⁠, analysis, and updates. Follow us on social media: ⁠⁠⁠⁠⁠@FourFeathersPod | ⁠⁠⁠⁠⁠@OnTapSportsNet⁠⁠⁠⁠⁠ Panelists: ⁠⁠⁠⁠⁠@TonyOnTap⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠@LuceOnTap | @NonnieJonnie

The underappreciated art of Inking takes the format in our newest episode with a fantastic example of it's art form!Anthony Fowler Jr. is a professional comic book inker and illustrator currently working for DC Comics. Most recently, he was an inker on DC Power 2024 #1 and Dawn of DC: Cyborg #4 for DC Comics. Previous clients also include BOOM! Studios, Dynamite Entertainment, T-Pub Comics, Marvel Entertainment, Universal Studios, and Gazillion Entertainment. Anthony is a passionate advocate for inking as a unique and important discipline in comic book art. In 2020, he was nominated for an Inkwell Award for his work on Firefly for BOOM! Studios.Anthony and André discuss the dark nature of Legend of Zelda: Majora's Mask, discovering an art community at a local drink and comic event and how intuition is a huge part of the inking game!Support the Show.

In this episode, we explore the recent lawsuits filed against OpenAI by various news organizations, which arose after OpenAI secured several new deals. We'll delve into the legal implications and the broader impact these actions could have on the AI industry. Get on the AI Box Waitlist: ⁠⁠⁠⁠⁠https://AIBox.ai/⁠⁠⁠⁠⁠ AI Facebook Community: ⁠⁠⁠https://www.facebook.com/groups/739308654562189⁠⁠⁠ Podcast Studio AZ: ⁠⁠⁠https://podcaststudio.com/az⁠⁠⁠ Podcast Studio Network: ⁠⁠⁠https://podcaststudio.com/network/⁠⁠

Every wrestler's path is strewn with challenges and breakthroughs, much like the intricate patterns inked onto their skin. In our latest episode, we sit across from Pat Lugo of the Iowa Hawkeye Wrestling Club, and his narrative isn't just etched in ink but is a visceral chronicle of the wrestler's soul. From the sunny grind of Florida mats to the frosty rigor of Iowa's wrestling rooms, Pat weaves a tale that transcends the sport, charting his transformation from a young athlete to a standout on the college scene.Wrestling isn't just a sport; it's a lifestyle, a philosophy that tests the limits of both body and mind. Pat's recount of his high school exploits, grueling weight cuts, and the mental fortitude required to bounce back from setbacks is a masterclass in resilience. As we navigate the twists of college recruitment, the tactical gambles of redshirt years, and the strategic moves that define an athlete's career, we're given a backstage pass to the unyielding world of collegiate wrestling. Pat's discussion about his transfer to the University of Iowa, guided by the enigmatic Brands brothers, reveals the layers of strategy behind the mat.Tattoos mark the milestones in Pat's narrative, each a silent testament to a victory, a loss, or a moment of personal significance. But beyond the ink lies a relentless pursuit of excellence, underscored by the unshakeable support of coaches who double as cornerstones in his journey toward Olympic trials. This episode isn't just a glimpse into a wrestler's life; it's a saga of passion, adaptation, and relentless pursuit within the hallowed halls of the Iowa wrestling program. Join us as we peel back the layers of what it takes to sculpt a champion in the unforgiving crucible of the wrestling world.See the links below for all things Pat Lugo and the Miami Hawks Wrestling Club!Website - https://www.miamihawkswc.com/Instagram - https://www.instagram.com/miamihawkswrestlingclub/?hl=enFacebook - https://www.facebook.com/MiamiHawksWCTwitter - https ://twitter.com/miamihawkswc Support the showAppleton Tattoo Linkshttps://www.facebook.com/appletontattoohttps://www.instagram.com/mark_appletontattoo/920 Hat Co. Linkshttps://920hatco.com/https://www.instagram.com/920hatco/https://www.facebook.com/920HatCo

Ravens DT Justin Madubuike joins team insiders Ryan Mink and Garrett Downing to talk about his four-year contract extension and what he plans to prove next.See omnystudio.com/listener for privacy information.

This week on the Spirit School Podcast I'll be sharing a technique for the next 5 days! Day 2 is on Inking your Mediumship Links.  These are 5 techniques that are part of a 52 week technique-a-week series in the Spirit School Collective Membership.  Mediumship Development Retreat @ Spirit School HQ in Squamish: July 19-21  Angels + Ancestors Retreat @ Spirit School HQ in Squamish: October 18-20  Development Retreats only $777 CAD ($650 for Collective Members)  See you in Spirit School

This week we welcome writers and directors Ian and Eshom Nelms back on the show to talk about their latest feature Red Right Hand starring Orlando Bloom, Andie McDowell and Garret Dillahunt. After that we play another round of You're the Expert, enjoy! Watch Liz's new short film Witchy on youtube: https://www.youtube.com/watch?v=gk5WtIOz5do Watch Alrik's new short film Parka on Vimeo: https://vimeo.com/357898693 Watch The Alternate on Tubi Out Now: https://tubitv.com/movies/702632/the-alternate Check out the ISA at: www.networkisa.org Don't forget to support us on Patreon! www.patreon.com/mmihpodcast Leave us a Review on Apple Podcasts! https://podcasts.apple.com/us/podcast/making-movies-is-hard-the-struggles-of-indie-filmmaking/id1006416952

Why do voters change their mind about Hall of Fame candidates and what's the buzz around Gary Sheffield and Alex Rodriguez this year? (27:50) FT Senior Insider Ken Rosenthal answers HOF q's after we hit the top free agent news.(4:13) Pierzynski, Toddfather & Braun get to the Pirates adding Aroldis Chapman and the Dodgers stacking up another rotation piece with James Paxton. (14:45) Ken jumps in with his thoughts on both signings and then we move on to Ken's info on why the Marlins have decided to skip trying this offseason :((43:49) Breaking news at the end of the show turns into a powerful debate on Joey Gallo's fresh deal with the Nationals.(38:21) We think the White Sox might lose 100+ games again :/Questions for Ken during his next FT appearance?! Tap in to DM q's to FT IG or join the chat LIVE on Youtube!--Use discount code FOUL for 20% off your first order at teazaenergy.com

Interview with Brandon Munro, MD & CEO of Bannerman Energy (ASX: BMN, OTCQX: BNNLF, NSX: BMN)Our previous interview: https://www.cruxinvestor.com/posts/bannerman-energy-asxbmn-how-uranium-term-contracts-get-signed-3814Recording date: 12th January 2024With uranium prices stampeding higher as nuclear power generation expands globally, Bannerman Energy offers a prime avenue to maximize gains from the supply-demand imbalance rapidly unfolding. The company's advanced-stage Etango project in Namibia presents a near-term production opportunity ideal for this bull run.Fully permitted and finalizing pre-construction activities, Etango narrowly leads the field of potential near-term uranium mine developers. Featuring a massive resource amenable to low-cost open pit heap leach extraction, the project boasts competitive all-in sustaining costs allowing profitability even at far lower prices. Expandable across its kilometers-long mineralized trend, Etango should maintain low operating costs for decades.Hefting a construction-ready war chest topping $35 million, Bannerman needs no external funding to reach the final investment decision triggering start of mine development. The company can thus maximize leverage to rising prices by avoiding shareholder dilution. Savvy management has patiently advanced Etango whilst acquiring every needed permit rather than rushing construction when uranium lingered around $30 per pound.Instead of typical project financing likely requiring metal stream agreements eroding future revenues, Bannerman entertain more flexible structures like partnerships with downstream fuel buyers. Such co-investors' interests align better with shareholders' aims of maximizing cash flows. Industry funding offers another means to limit equity dilution if required.With few other projects sharing Etango's advanced preparation and massive scale, Bannerman is positioned amongst the vanguard of likely suppliers into a wildly bullish uranium marketplace. As the first surge of unfilled utility demand strikes the market, contract volumes and prices alike look set to vault higher. Inking long-term agreements over coming quarters promises to lock in elevated returns compared to when uranium oscillated listlessly at multi-decade lows.Rather than chasing explorers hoping to someday discover viable deposits or developers struggling through permitting and studies, savvy investors should consider the near-producers like Bannerman. Poised to swing into production rapidly, such companies offer real leverage to skyrocketing spot prices whilst carrying lower risks inherent in early-stage ventures.As a seasoned operator in uranium's premier mining jurisdiction with a straightforward, derisked heap leach project prepared for imminent construction, Bannerman checks all the boxes for investors seeking maximum exposure to the nuclear power industry's escalating supply deficit. The company appears positioned amongst the likely first recipients of surging investment capital currently pouring into the uranium sector.Bet on Bannerman Energy to deliver world-class uranium returns as this emerging supply crisis pushes nuclear utilities into bidding wars over scarce uncontracted volumes from Namibia's next producer.—Learn more: https://cruxinvestor.com/companies/bannerman-energySign up for Crux Investor: https://cruxinvestor.com

Is Oklahoma Football now SEC ready after inking its 2024 signing class? What does that even mean? Plus, more predictions favor OU to land Michigan State OL transfer Geno VanDeMark. Finally, which seven early enrollees have already joined the Sooners and are working Arizona bowl prep.Support Us By Supporting Our Sponsors!Athletic BrewingGo to AthleticBrewing.com and enter code LOCKEDON to get 15% off your first online order or find a store near you! Athletic Brewing. Milford, CT and San Diego, CA. Near Beer.BetterhelpThis podcast is sponsored by BetterHelp.If you're thinking of starting therapy, give BetterHelp a try. Visit BetterHelp.com/lockedoncollege today to get 10% off your first month. GametimeDownload the Gametime app, create an account, and use code LOCKEDONCOLLEGE for $20 off your first purchase. LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONCOLLEGE. Terms and conditions apply.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit. eBay Motors dot com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.FanDuelMake Every Moment More. Right now, NEW customers can bet FIVE DOLLARS and get TWO HUNDRED in BONUS BETS – GUARANTEED.  Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Is Oklahoma Football now SEC ready after inking its 2024 signing class? What does that even mean? Plus, more predictions favor OU to land Michigan State OL transfer Geno VanDeMark. Finally, which seven early enrollees have already joined the Sooners and are working Arizona bowl prep. Support Us By Supporting Our Sponsors! Athletic Brewing Go to AthleticBrewing.com and enter code LOCKEDON to get 15% off your first online order or find a store near you! Athletic Brewing. Milford, CT and San Diego, CA. Near Beer. Betterhelp This podcast is sponsored by BetterHelp.If you're thinking of starting therapy, give BetterHelp a try. Visit BetterHelp.com/lockedoncollege today to get 10% off your first month.  Gametime Download the Gametime app, create an account, and use code LOCKEDONCOLLEGE for $20 off your first purchase.  LinkedIn LinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONCOLLEGE. Terms and conditions apply. eBay Motors For parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit. eBay Motors dot com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply. FanDuel Make Every Moment More. Right now, NEW customers can bet FIVE DOLLARS and get TWO HUNDRED in BONUS BETS – GUARANTEED.  Visit FanDuel.com/LOCKEDON to get started. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's show is sponsored by Dreamhost! If you want to own and control your own work, Dreamhost can help you get started.It's bad enough if a reader makes an unkind comment toward you, but what do you do when readers attack each other? When it results in some of those readers leaving your community, it's a problem that demands attention! Also: Patreon is offering a new feature: Free Trials! And Brad and Dave disagree on whether you should implement it!ON THIS WEEK'S SHOW...When readers attack — each otherWhat comes first — lettering or drawings?Patreon Free TrialsNaming files for eComicsYou get great rewards when you join the ComicLab Community on Patreon$2 — Early access to episodes$5 — Submit a question for possible use on the show AND get the exclusive ProTips podcast. Plus $2-tier rewards.Brad Guigar is the creator of Evil Inc and the author of The Webcomics Handbook. Dave Kellett is the creator of Sheldon and Drive.

Today's guest is Jeff Stephens    Jeff is Founder of The Thoughtful Real Estate Entrepreneur and host of the podcast, “Racking Up Rentals.” Jeff's focus is on relationship-based negotiation for off-market acquisitions with Seller Financing. Join Sam and Jeff in today's episode.  -------------------------------------------------------------- Introduction [00:00:32] Jeff's background and approach [00:01:00] Seller financing as a relationship-based approach [00:03:43] Finding the Right Properties [00:07:44] Scaling the Business [00:09:53] Getting Seller Financing [00:14:17] Patience and Skill in Negotiating with Sellers [00:15:29] Finding the Awesome in Every Deal [00:17:26] The Infinitely Negotiable Seller Financing Loan [00:22:12] Supercharged Seller Financing [00:22:57] Practical Applications of Supercharged Seller Financing [00:24:11] Conclusion and Call to Action [00:25:06] -------------------------------------------------------------- Connect with Jeff: Facebook: https://www.facebook.com/JeffWStephens  Facebook: https://www.facebook.com/thoughtfulre  Instagram: https://www.instagram.com/thoughtfulrealestate/ Free Seller Financing 101 Video Training: www.sellerfinancing-101.com   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Jeff Stephens (00:00:00) - That's kind of the, the problem that I think most people have trying to buy seller financing properties is that, that the default mentality they bring, and this is gonna be, you know, obvious, like, of course this is the mentality we bring is I wanna buy a property, thus I'm shopping for a property. And now I'm gonna ask the seller about seller financing. But with seller financing off market, we need to do the opposite. We need to go shopping for a person and then see what property they own. Because seller financing is much more about the person than it is about the property.   Intro (00:00:32) - Welcome to the How to Scale commercial real Estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:45) - Jeff Stevens is the founder of the thoughtful real estate entrepreneur and host of the podcast Racking Up Reynolds. His focus is on relationship-based negotiation for off-market acquisitions with seller financing. Jeff, welcome to the show.   Jeff Stephens (00:00:58) - Thanks so much for having me here. I appreciate it.   Sam Wilson (00:01:00) - Absolutely, Jeff, the pleasure is mine. There are three questions I ask every guest who comes in the show in 90 seconds or last, can you tell me where did you start? Where are you now and how did you get there?   Jeff Stephens (00:01:09) - Yeah, absolutely. I started in, um, you know, about 15, well, maybe 17, 18 years ago by picking up that purple book Everybody has been, uh, inspired by and I thought, huh, that sounds interesting. So my wife and I had just bought our first primary residence and, and I picked up this book shortly thereafter. I thought, gosh, I bet I could tap some of the equity and buy a rental property. So we did that. We bought a triplex. It was very, very conventional, very different than what I would do today, but that got us started and I'm so glad that, that I did that deal even though I wouldn't do it again today, cuz it really got us, got us going. Fast forward a few years, I decided that I wanted to make real estate more of a full-time focus and a part-time focus. And that was about 10 years ago. And fast forward a few more years, I've really locked into kind of my particular, you know, my little niche, my little approach and, uh, that is buying properties off market relationally with great seller financing terms. And then in the last year, or well no, maybe two or three years, I've become just a good advocate for spreading the message on that because I feel like this is something that more people really deserve to understand.   Sam Wilson (00:02:14) - No, that's great. That's great. I look forward to digging into the nuances of what you do and how you do it. Um, seller financing is one of those, I think like, you know, uh, pie in the sky ideas for a lot of real estate investors, they're like, oh yeah, you know, you can get seller financing one in every hundred deals, but otherwise it's probably not gonna work out. Uh, it sounds like you have really found a, uh, a way to disprove that theory. Yeah. So really again, just let's get nerdy, let's get in the weeds, let's break it down. Mm-hmm. , talk about kind of how you discovered seller financing, the way that you approach it, kind of your thought process behind it. I'd love to love to just hear, uh, hear your thoughts on that.   Jeff Stephens (00:02:54) - Yeah, absolutely. You know, I think my very, very first experience with seller financing was one that I kind of stumbled into a little bit. This was kind of like a pocket listing situation where somebody had called me and as we had this conversation, it just sort of unfolded, but I didn't have a strong strategic idea about exactly, you know, how to optimize it. I thought, gosh, I can just buy this property and not have to go qualify for a loan, and that's really great. But as I, as I got more into this and I found my own coach and my own mentor, I started to, to refine this, um, this approach. So a couple important pillars of this, I'd say is, is it possible to buy a listed property with seller financing? Yes, it's absolutely possible, but it is not gonna be the same kind of conversation as if we're doing it off market and doing it in a relationship-based manner.   Jeff Stephens (00:03:43) - And in my experience, in my opinion, my philosophy is that we will be far more successful in negotiating much better terms for us, but also even just doing a better job of tailoring the deal for the seller too, if we get to see that person face-to-face. So I at, at this point just completely avoid anything that is listed. I just want to have a face-to-face conversation in a seller's living room. Um, a couple of the things that make seller financing actually far more, um, common or maybe even possible than a lot of people think is that a lot of buyers in real estate kind of think like, well gosh, a seller, you know, they do seller financing as kind of a last resort. They would always prefer a different outcome. They'd prefer different plan. So seller financing as a result, basically comes when situations when the seller like, boy, they just can't sell it in another way.   Jeff Stephens (00:04:34) - Or it's taking too long. Or they, they're gonna have to lower the price a lot and they're sort of doing it reluctantly. But the real, the truth is that there are certain people, while, while there are many situations that are indeed like that, the truth is there are also lots of people for whom selling their property with seller financing is once they kind of realize this and we kind of gently help unpack this conversation for them, they realize this is the best possible way for them to sell their property. And there's a couple main reasons and then I'll pause there cuz I think these are really important to, to hear. First and foremost, seller financing or, or termed an installment sale is an excellent way for the owner of a property who would otherwise have a big old gnarly capital gains tax bill to significantly ease the pain of that tax bill bill and defer large portions of it, but without needing to do a 10 31 exchange.   Jeff Stephens (00:05:30) - There's a lot of people I I know and I've bought properties from that are about 70, and they're thinking, these properties have been very, very good to me, but I'm not really in the mood to just trade one responsibility for another. I'd rather get outta this game, but how do I do that without having this big painful tax bill? Secondly, these people like having income, it's probably why they bought rental properties in the first place. So if they sell the property and then, you know, the, the, there goes the income stream. So they like to, to be able to continue to have income stream. And then the third and final reason is that there's a lot of people who say, gosh, if you know 500, a million, 2 million showed up, uh, from a closing, I don't even know exactly what I would do with it. That actually feels kind of burdensome to figure that out. It feels like kind of a big responsibility and you find the right person with those attributes and it's a great conversation. It works out perfectly for everybody.   Sam Wilson (00:06:21) - I like that. And, and, but, and again, I'll go back to my initial, tell me why I'm wrong, I guess is why I'm saying this, but it sounds like that seller is, is unique. Is that the case?   Jeff Stephens (00:06:34) - Well, they're unique in, in the sense that if you just go out into the world and stumble around and look at properties that are for sale and then say, oh, I wonder if that person has these attributes, the chances are probably not good. Right? But if you're trying to catch that particular fish mm-hmm. , you would probably want to go to the places where that particular fish lives, right? So that's kind of the, the problem that I think most people have trying to buy seller financing properties is that, that the default mentality they bring, and this is gonna be, you know, obvious, like of course this is the mentality we bring is I wanna buy a property, thus I'm shopping for a property and now I'm gonna ask the seller about seller financing. But with seller financing off market, we need to do the opposite. We need to go shopping for a person and then see what property they own. Because seller financing is much more about the person than it is about the property.   Sam Wilson (00:07:31) - So tell me, uh, break, break that down for us. I don't even, uh, if, if you told me that right now, said, Hey, Sam, go out and find the person and then find what property they own. I'd look at you like a deer in the headlights like I'm doing right now, and say, how, how do you do that?   Jeff Stephens (00:07:44) - Absolutely. So here's, here's exactly what I do. I know that there's certain areas, my my little geographic sandbox where I want to buy properties, and I'm pretty picky about those. So I define these areas, let's just call 'em zip codes. And then I say, who are the people who would have the attributes that I just kind of went through? Who would have a nasty tap capital gains tax problem? Uh, an owner occupant of a house, probably not, right? Uh, but a landlord, a person who owns an investment property and has owned it for a, a reasonable period of time. Okay, there's, there's my person, right? Mm. So now I'm trying to query a list and I actually just do this with, uh, my local title company. I just say, Hey, would you please query the public database for the following parameters and send me a spreadsheet?   Jeff Stephens (00:08:25) - So I say, here are my zip codes. I'm looking for absentee owners of this type of property. Like let's just say in this case, um, you know, with your audience, I'm looking for five to eight unit buildings. Like, that's, that's one of the, uh, categories in my, my county's tax records is five to eight unit properties. Okay? So I'm looking for this zip code, absentee landlords, which is gonna be most of them, in this case, five to eight unit properties. They've owned the property for at least say 10 years. Um, send me the, send me the list and they send me the list. And now this is like my pond. I'm about to go fishing in the pond where there's real reasonable chance that these people are gonna have these attributes I want. Right? The next question is, how do I reach out to them?   Jeff Stephens (00:09:05) - And my, my strategy is to reach out to them with a, a dead simple. It's very strategic, but dead simple at the same time. Personal, nice, unbelievably low pressure letter that just says, hi, my name is Jeff. My wife and I have a couple rental properties. We're actively looking for another one that we could buy and manage ourselves. I came across yours at this address. Uh, I was just thinking if you would ever consider selling it, would you give us a call? It'd be lovely to just discuss it face-to-face with you. It's pretty much as simple as that. And that initiates phone calls where at that point when our, when our phone rings with that seller, pretty much always, we're the only person on the planet who knows that that property is even in play. Because these aren't people who have raised their hand, they haven't stuck a sign out front, they haven't hired a broker. There's, it's not on the internet now, we're just having a one-on-one conversation.   Sam Wilson (00:09:53) - How do you do that at scale? Like what's the, what are the, or maybe you don't, maybe let's, let's ask that. Do you do it at scale? And if you do, how? And if you don't, why not?   Jeff Stephens (00:10:04) - Yeah, so I think, I mean, I think scale is, is relative. I would say we send probably, you know, a thousand letters a month would be, so I'm not sure if that's, you know, considered scale. Yeah. Yeah. I think that this business, at least the business that I'm in, and I'm guessing a lot of your, uh, listeners here too are, it's, we don't have to have a volume game. I mean, this isn't a, a, a whole, uh, you know, residential wholesaling thing where I need to turn 30 properties a month. If I can buy 4, 5, 6 great properties a year in this part, uh, particular manner, that's a great, um, that's a great win for me. So it's the, one of the things that people I guess, push back on and they say, well, it doesn't sound like real conversations with people aren't, isn't scalable. Um, do I have a acquisitions manager of this? And I would say, yeah, I mean, because real relationships aren't scalable. I mean, I, I don't outsource the, the, uh, scaling of my ability to have more friends either. I actually just invest in those relationships knowing that these are, are very valuable things and only takes a couple great ones to get huge wins.   Sam Wilson (00:11:04) - Right. No, I think that's, that's, that's powerful what you've, what you've just said there. Um, it's also building a business the way you want. And I think, I think that's, and we'll, we'll, I'm turning left here in the conversation, but it's, so oftentimes I hear from other investors and just kind of the general vibe is that like, bigger is better and we just get bigger for bigger's sake without any real understanding of why we're actually doing what we're doing. And for you, yeah. Say, Hey, look, five or six of these a year is plenty and that's all we need. Uh, I think that's, yeah. Really powerful to know kind of what, what your parameters are there. How does, how, when you, when I mean a thousand letters a month in that five to eight unit range, I think is a lot. Just, just in the sense to finding that many owners that own those types of properties. I love what you said there though, about having a face-to-face conversation. I think that, are there anything else that you really put in that letter that makes it stand out? Is it handwritten? Is it, I mean, cuz a lot of, all of us get anybody that owns property, I'm sure you do too, get mm-hmm.  the, the letters in the mail and you're like, okay, I've seen this 8,000 times. It's this  Yeah. Inking letter. I've seen my, you know, last decade. Yeah. Downend, what do you do?   Jeff Stephens (00:12:18) - Yeah, yeah, absolutely. So one of the funny things I, I love, I experience this myself all the time. And then my clients, uh, who I'm coaching, I experience this all the time too, is actually two things. One is somebody calls you back from your letter and then they say, you know, I get letters like this all the time. I, I've never called anybody back before, but I'm calling you now. Something just felt different. And then the second thing is, you'll get a call, you know, nine months, two years, three years after you sent the letter from somebody saying, you know, I got the letter, the time wasn't right. I stuck it in a folder though, and now the time is right and I'm calling you back. And I think the thing is that it's, it's, they're doing that because it's worth saving. And the reason it's worth saving, the reason it's cutting through the clutter is cuz it is really clear.   Jeff Stephens (00:13:01) - It is coming from one regular person to another. And this part is really important in my opinion. Uh, we are positioning ourselves as peers, right? Most, most letters that real estate investors send position themselves as we have money, we have clients, we, you know, you, you, you kind of look like you might be the gazelle down here waiting to get taken down. We are the lion. Sure. Uh, all cash close, fast, right? And that, that puts people on guard. But if you send them a letter where the, the power dynamic is balanced, you say, Hey, I'm a local landlord like you, my wife and I have got a small business, we'd love to buy another property. Uh, anytime you wanna call, it'd be awesome to chat with you. It feels very, very safe because they're thinking like, this person is like me. They're not, they're not here to, uh, they don't see some crazy opportunity, you know, to exploit me. We're just having a conversation.   Sam Wilson (00:13:49) - I, no, I think that's, I think that's great. That's, that's really, really great, uh, insight on that. One of the things that we talked about off air was that you said, uh, or before we started recording this, you said that the best way to get seller financing is to not ask for seller financing. Yeah. Now you're going into this transaction or into this, into this pond. You're fishing in with this idea that in the end you want seller financing. Uh, yeah. How, what talk, talk me through that, uh, that line of thinking.   Jeff Stephens (00:14:17) - Yeah, so I, to me, the number one mistake that buyers make trying to get seller financing is that they show up and they make it just ridiculously obvious that this is what they want. Like, they might as well be wearing a t-shirt that says, I want to buy your property with seller financing. And so there's a couple things here. The first thing I'll say is, categorically humans, anywhere on any topic, what ideas do we like best? We like our own ideas best, right? And so when we show up and we just sort of like right outta the gate, we're like really obvious, like, Hey, I'd like to buy your property with seller financing. It's like saying, this is my idea. Which then, you know, leads to the very obvious natural next step, which is like, because it would be good for me . But if we can have this conversation in a way such that we are actually kind of eliciting the insights and the information from the seller such that when we make a proposal, I don't make offers, I make proposals when I make a proposal back to them that involves seller financing, it feels like a prescription that is perfectly tailored to the diagnosis that they just told me.   Jeff Stephens (00:15:29) - Like, we just discussed it, you know, the themselves, right? And so when, when, if you just show up and say, I wanna buy your property with seller financing, like the enthusiasm is great, but it's raises questions in people's mind. Like, why, why, why does that person need, do they need seller financing? Oh, they must have bad credit. Oh, they don't have enough down, blah, blah, blah, all this kind of stuff, right? But if we just like exhibit a little patience and a little bit of skill in asking questions that get people to say the things we need them to say out loud, now we're talking, right? Because I know if I, if I can get a seller to talk about how, uh, they want to, this is the most common thing in the world for me. A seller says, I'd love to sell this property, but man, I'll tell you the taxes would fricking kill me.   Jeff Stephens (00:16:13) - Right? Right. I know I want them to say that. So how do I open the door so that they can just walk through the door and say that thing? Right? So I might say to them like, oh gosh, you've had this property for a long time. Are you just planning to do a 10 31 exchange? I might just say that it's like a question. That's not a question, right? I mean, it's a question, but it's more like a statement and just sort of let them go. Oh no, God no. We're, you know, real estate's been great to us, but we're done. Oh really? Now I'm like putting tucking these little insights back in my head so that when I come back to them with a proposal, I say, you know, you, I was thinking about how you were telling me how you don't really want to pay the taxes, but you also don't wanna do an exchange. I think I've got an idea that might work for you. Mm-hmm.   Sam Wilson (00:16:56) - I like that. I like that. That's, and and those are, those are the, uh, the information gathering stage I will say of that relationship. How many, how many of these deals on the seller financing side have you come across where you're like, I really, I Jeff Love this deal. The seller does not wanna do seller financing. How do you, how do you gracefully walk away from that? And or have you then turned around and said, let me find an alternative way to get this closed?   Jeff Stephens (00:17:26) - Yeah, I, to me, when I, so my, my strategy for buying my approach to buying is that I need there to be something awesome about every deal. I call it find the awesome, like the, the awesome could be, wow, the rents are half of what they could be. The awesome could be the zoning that would allow you to build a whole bunch more units or some, some other form of expansion. You know, the awesome could just be like this incredible location or beauty or romance of a building. The awesome could be any aspect of, of the financing. So to me, I need to have some kind of, some kind of awesome. Hmm. So if I'm talking to a seller and it's, it's seeming like seller financing is not the prescription that is matching their diagnosis basically, to put it that way. But there's some other awesome that I have found then, then yes, I will certainly be willing to, to pivot. I I always hope that that's not the case, but yeah, I would, I would hate to pass up what, what is a, a, an amazing opportunity in a different way or seen from a different angle simply, simply because of that.   Sam Wilson (00:18:28) - Got it. Got it. Okay. Yeah, I guess that that was the question there was was, you know, do you let deals go? Cause they're not seller financing, clearly that's not the case. Interest rates have just been skyrocketing. I mean like the power of the dollar is just, it's declining rapidly. People's purchasing power is going down. Uh, how have terms changed on the seller financing side of things, maybe relative to even a couple years ago?   Jeff Stephens (00:18:53) - Yeah, so this is a great question that that really also speaks again to some of the, I would say misconceptions about seller financing. In my experience, a seller is rarely thinking to themselves, okay, I'm gonna be the bank. Let me see what US Bank is charging. Let me see what Wells Fargo is charging. What it, oh, it's gonna have to be 25 year amortization, because that's what the commercial loans at the credit union would be. In my experience, it's not that conversation at all. It's actually much more about what, what works for them and kind of what works for, for us as buyers and the deal. I don't think there's any natural correlation between, uh, market interest rates or down payments or LTVs or anything like that. Uh, with, with sellers, a great example of this would be if I'm looking at a seller financing deal and I, and I'm seeing that their rents are kind of low, and that's one of the reasons I like the, the opportunity.   Jeff Stephens (00:19:50) - I'm actually asking myself like, what are they netting each month right now? Right? I'm doing the math, a gross rents, you know, these expenses, whatever expense ratio, I think they're netting this amount right here. Now I'm, I'm also figuring out then of course, what is my note likely to be? Let's say I'm gonna put 10% down or whatever. So my note is gonna be this amount in many times, in many ways, I'm actually reverse engineering my interest rate simply so that I can show up at the proposal meeting and say, okay, I've got a proposal that gives you the same net income every month that you're getting right now. Plus gives you a little down payment, plus removes all of the hassle of, you know, of management and does the most important thing you said, which is to defer your capital gains indefinitely into the future for the term of this loan.   Jeff Stephens (00:20:35) - And so I, if the answer is like I'm proposing a 3.5% interest rate, I'm not really proposing a 3%, 3.5% interest rate, I'm proposing a, you know, $2,700 payment, it just happens to be a 3.5. Right? So I am, I'm seeing what's actually most important to them. Cuz cuz there are sellers who will say to you, um, you know, 5% is what's important. Like they have no idea what that payment amount, but for some reason 5% is the number. Like, okay, then I guess we'll work with 5% and then we'll play with the other variables, right? That, you know what I mean?   Sam Wilson (00:21:09) - Yeah, no, that makes, that makes a lot of sense. And I like, I like the way you think through that, that, uh, that gives a lot of color to that. Let's talk one last, uh, one last topic here before we get to sign off. But you were talking about how'd you put that  financing a good property or repro a good, maybe you could explain that to me in more detail.   Jeff Stephens (00:21:29) - Yeah, yeah. It's so funny. I was just taking a walk this morning. I had this epiphany. I was like, oh my gosh, this topic that I talk about all the time, I've never said it in this exact way before. So what I was saying is, everybody knows how to refinance a great property, but very few people know how to re property some great financing. So here's this. So this is gonna be, since we only have a couple minutes, this is gonna be like the little bit of a, of a, of a teaser head scratcher. But hopefully, um, wonderfully enchant people as they, as they leave this podcast at episode wanting more, um, when we buy a property with seller financing, we're actually buying two things. We're buying the property and we're buying the financing, right? These are two things that they, they come together as a package, but do they have to stay together as a package forever?   Jeff Stephens (00:22:12) - And the answer is no, because a seller financing loan is infinitely negotiable and tailorable and customizable, right? If we get a loan from a bank, a major part of that deal is a three word expression. We all know do on sale. Well, a seller financing loan does not have to have a do on sale clause. In fact, a lot of sellers a do on sale clause would hurt their, uh, interests overall. You know, if I buy a property for, from somebody who wants to defer their capital gains for the next 20 years in this installment sale and six months later I think, oh, I think I'll refinance it. I have just really screwed up their whole plan, right? Sure. They don't wanna get paid off early. And frankly, if it's a great loan that I've negotiated, I don't wanna pay it off early anyway, but I do need to maybe refinance my property.   Jeff Stephens (00:22:57) - I certainly need to have the right to sell my property if I want to. And that introduces the opportunity for us to negotiate. This is something I call supercharged seller financing, uh, uh, a term, a clause, an element of our promissory note that says that the maker of the note that's us, the borrower has the right to provide a different piece of real estate as collateral. As long as the new piece of real estate also has enough equity and enough cash flow to make the payments. But we can substitute the collateral that secures the note, just a substitution of security clause. So I've bought the property and I've bought the financing, but there are scenarios in which I buy the property and I buy the financing. I'm like, yeah, the property's okay, but the financing is awesome. What if I just wanna get rid of the property but keep the financing in my portfolio? We all know the idea. So, you know, bring it full circle here. We all know the idea that you have a property and you can constantly be changing the financing on it, but what if you had financing that was awesome that you could constantly be changing the, the property that secured that financing. And when you do that, it opens up a real world of like deal structuring possibilities. It's a little bit, uh, mind blowing.   Sam Wilson (00:24:11) - That is absolutely mind blowing. Jeff, this has been awesome. We'll need to, uh, have you come back on and we'll do an episode just on that kind of, uh, thought and process and how that even practically works out. It sounds, uh, very, very interesting and intriguing. Certainly appreciate you coming on today, learned a ton from you just on the way that you approach seller financing, the way you find the properties that you're looking for, how you go to the title companies and have them pull records, your wealth of knowledge. And I certainly appreciate it. Uh, if our listeners wanna get in touch with you or learn more about you, what is the best way to do that?   Jeff Stephens (00:24:41) - Yeah, thank you so much. Yeah, I would say check out my podcast Racking Up Rentals, which you mentioned before. I really appreciate that. And then I'm also really quite active on, on Facebook and we have a small community private Facebook group called Rental Portfolio Wealth Builders. It'd be great to see people there and   Sam Wilson (00:24:57) - Fantastic. We'll make sure we include all that there in the show notes. And Jeff, thank you again for coming on today. I certainly appreciate it.   Jeff Stephens (00:25:04) - Thank you so much for the opportunity.   Sam Wilson (00:25:06) - Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.

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Join us in this captivating episode as we sit down with the incredibly talented comic book artist, Ledneto. With a unique artistic style and an impressive portfolio, Ledneto takes us on a visual journey through the world of comics, revealing the intricate process behind creating stunning illustrations. From their early inspirations to their most cherished projects, Ledneto shares their experiences, techniques, and advice for aspiring artists looking to make their mark in the industry. Prepare to be inspired as we dive deep into the artistic mind of Ledneto and explore the extraordinary world of comic book art. Don't miss out on this captivating conversation that will leave you with a newfound appreciation for the incredible artistry behind your favorite comics! Check out Ledneto's Kickstarter campaign here: https://www.kickstarter.com/projects/theunlimitedink/the-unlimited-ink-1-chicagos-favorite-crime-fighting-duo?ref=discovery Subscribe to our Youtube channel at https://www.youtube.com/channel/UCJz2yP0iJJ02IQ9JS3hT7kw?sub_confirmation=1 Follow Danny's books at https://www.4thwallpros.com/ Check out Kyrun's books at https://www.tauruscomics.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/4talespodcast/message Support this podcast: https://podcasters.spotify.com/pod/show/4talespodcast/support

Christopher Wilson, aka Riot Ten, exploded into electronic music at the age of 22 with his unique blend of dubstep, trap, and electro. Inking his first deal with DIM MAK Records in early 2017, Riot Ten's music has been supported and co-signed by the likes of DJ Snake, The Chainsmokers, Porter Robinson, Excision, Zed's Dead, Steve Aoki and many more. He has also released music on Interscope, Atlantic, Never Say Die, and Bassrush Records to name a few.  Riot Ten's 2016 single "F*ck It" topped the dubstep charts for many consecutive months and became a staple on The Chainsmokers "Memories Do Not Open" tour. This cross-genre success paved the way for "Rail Breaker", his 2017 global smash, to become one of the most recognizable and infamous dubstep songs of the decade. However, the El Paso, Texas native refused to rest on his laurels. Following this success, it was off to the races, officially, and it was only the beginning. Riot Ten put out his debut EP "The Dead" in 2018, which recorded a top 10 debut on the iTunes dance charts and a #1 Beatport top 100 spot. He went on to release 2 additional EPs in 2018 and 2019, securing his presence in some of Spotify's top electronic playlists, including Beast Mode, Hype, Fresh Electronic, and more. With an undeniable groundswell underway, and no signs of slowing down, Riot Ten was fast becoming a rising star in bass music. He has now recorded and released two albums since 2020, while simultaneously releasing a string of singles and EPs that would feature some of his most popular records to date, including “Hyphy”, “Mawlee”, “Don't You” and “Poppin”.  Since 2019, Riot Ten has headlined 3 international “Hype Or Die” tours, selling out shows across the globe, from North America to Australia and China. He has also made appearances at some of the top festivals in the world, including, but not limited to, Lollapalooza, Coachella, EDC Las Vegas, Electric Zoo, Lost Lands, Bass Canyon, Paradiso and more.  This episode was brought to you by VitaPlur & Lunchbox Packs. Lunchbox Packs is the original anti-theft hydration pack, purpose built for live events, festivals, and life adventures. Use code: "LIZZYJANE" (all caps) for 10$ off any hydration pack online and use code "LIZZYJ" for 5$ off any snackpack online. https://www.lunchboxpacks.com/ VitaPLUR E-Boost Gum is a first of its kind rave supplement that provides magnesium, electrolytes and antioxidants sublingually while you chew! With no pills to take or annoying powders to mix VitaPLUR E-Boost gum is the perfect complement to your active lifestyle. Use code: "LIZZYJANE" (all caps) at check out for 10% off any item at https://www.vitaplur.io/

Last updated : 2023.04.26 The latest news from home and abroad, with a close eye on Northeast Asia and the Korean Peninsula in particular

Tricia Allen is a tattooist with an extensive background in Polynesian history. Her approach to the art is unique in that she has tattooed over 8000 members of the Polynesian community, yet has an extensive academic background. She completed her Master's thesis at the University of Hawai'i at Manoa in 1992 on the early practice of tattooing in the Marquesas Islands. Having completed her Master's degree in Anthropology, Allen began her doctoral research in the islands, researching the revival of the arts in the Pacific. Her work has taken her to Samoa, Aotearoa, New Caledonia, the Society Islands, the Marquesas and Rapa Nui, as well as numerous museums and institutions abroad. You can learn more about her on her website: https://thepolynesiantattoo.com/ Inking of Immunity is made possible by all these people: Chris Lynn - Executive Producer & Co-host Becci Owens - Associate Producer & Co-host Mike Smetana - Associate Producer & Co-host Kira Yancey - Production Manager Find us on social media on Facebook (inking.of.immunity), Twitter (@inking_immunity), and Instagram (@inking.of.immunity) Email us at inkingofimmunitypodcast@gmail.com

When Shutterstock and OpenAI announced a partnership to help develop OpenAI's Dall-E 2 artificial intelligence image-generating platform with Shutterstock libraries to train and feed the algorithm, the stock photo and media giant also hinted that it would soon be bringing its own generative AI tools to users.

In Hour 3 we get some Cat's Talk as the Panthers return to action tonight at 7pm, for the first time since the Christmas Break. We talk Dolphins as Donno makes a blasphemous statement about possibly replacing Tua with Derek Carr. We talk Books before we get breaking news and an update on a potential Canes 5 star DB prospect. We close the Hour out with Goosies or No Goosies!

David Haugh and Zach Zaidman were joined by longtime St. Louis writer and radio host Bernie Miklasz to break down the Cardinals' addition of former Cubs catcher Willson Contreras on a five-year, $87.5-million deal.

Season 4: Episode Eighteen. This week's episode features two very hungover gays, one party weekend! What could possibly go wrong? Benji and Brad catch you up on a weekend of events, experiences, shows and parties in London as well as the latest on their dating life. Find out who bumped into their ex out clubbing and who has some new dates lined up. Will things ever go right for the boys this week?Support the showGet to know us more personally!Instagramwww.instagram.com/biggaypodcastEmailhello@mybiggaypodcast.comWebsitewww.MyBigGayPodcast.com

Episode 022 ✿ Comics, Playwriting, and the Creative Path ft. Lily Rushing (goofwench) For this episode I spoke with Lily Rushing (@goofwench) about her creative practice as a comic artist and more! *Get a free sticker by leaving a written review on apple podcasts!! Screenshot your review and email it along with your mailing address, to marissuelena@gmail.com or DM us on Instagram* Topics discussed: -LIly introduces herself -Joining theater as a child who didn't talk much -Creativity as a tool for communication -Lily's experience at a theater conservatory, studying playwriting in Chicago -How Lily got into comics -Beer's Books -Black is the Color by Julia Gfrörer -Going to the Chicago Alternative Comics Expo -Tara Booth -Copying other artists' style initially -Lynda Barry -Ernie Pooks Comeek by Lynda Barry -Nancy by Ernie Bushmiller -The Hernandez Brothers -Vanessa Davis -Quimby's -Her outlook on her career and school while she was a theater student -Focusing on your art practice as your path instead of what it may get you -Being a multi-disciplinary artist -The connection between art and everything in Lily's life -The evolution of Lily's style and voice -Make Me a Woman and Spaniel Rage by Vanessa Davis -Lisa Hanawalt -Bianca Xuniz -Six Chix -Lily's character Spikewench -GutterBoys podcast episode with Jasper Jubenvill -Switching from gouache to pen and ink -Relinquishing control creatively -Creating a lot of work -Balancing her creative practice with her day job and personal life -Being on unemployment during the pandemic and developing her style -Lily's process for creating comics -Inking and coloring before choosing the words -Lily's experience selling prints, stickers, etc. -Calico Critters and Sylvanian Drama on Tik Tok -Tik Tok and Instagram -Lily's dream projects and goals-beings syndicated, zines and more -What Lily does for fun- “local behavior”, bike-riding, hanging out, etc. Lily's instagram and TikTok Lily's shop Lily's Play "Desert Stories for Lost Girls" in Los Angeles Sept 28-Oct 16 Follow us on Instagram Host/Marissa's Instagram Host/Marissa's Tik Tok Tending Creativity Tik Tok Host/Marissa's Youtube Channel --- Send in a voice message: https://anchor.fm/tendingcreativity/message

In today's episode Jayfoxx interviews a tattoo artist by the name of Molly McIsaac! Jayfoxx, obsessed with tattoos herself with ink up her sleeve, wanted to pick the mind of the artist behind the needle. Grab your fave sips and follow along as they talk cute color tattoos, pain and some tattoo history! Social Media: Patreon: https://www.patreon.com/talksnsips Instagram: https://www.instagram.com/talksnsips/ https://www.instagram.com/jayfoxx__/ Twitter: https://twitter.com/TalksNSips TikTok: https://www.tiktok.com/@talksnsips?lang=en Source: https://www.warmartink.com/2018/10/01/interesting-and-odd-facts-about-tattoos/ https://pubmed.ncbi.nlm.nih.gov/22153289/#:~:text=Men%20were%20more%20likely%20than,women%20with%20live%2Dout%20partners. https://www.mnhs.org/lindbergh/learn/kidnapping https://youtu.be/RoYCLriJFtU https://www.boredpanda.com/funny-worst-tattoo-fails/?utm_source=google&utm_medium=organic&utm_campaign=organic

One of our most common conversation pieces: troubleshooting the many, many printing issues! Whether you're seeing a lack of ink/too much ink on one part of your form, a pooling of ink around the letters or artwork, you're printing, uneven printing or any of the various issues related to inking up your press - we've definitely both dealt with ALL of these at some point. You're not alone and we're here to help! We talk about how you can determine whether your print issue is actually ink related, all of the factors to consider that MIGHT be the issue and what to do about it. Tune in and take notes for this troubleshooting episode!

TRIGGER WARNING: This episode contains discussions of self-harm. mel is a métis, nehiyaw, nakota, saulteaux, french, and irish mother, community worker, researcher, writer, visual artist, traditional tattoo practitioner and phd student at concordia university focused on healing, decolonization, and (re)connection for Indigenous 2SLGBTQIA+ and Indigenous women. working closely with the Native Women's Shelter of Montreal, mel is vice president of the board, advocating for the safety of Indigenous people as well as Indigenous representation, education, and employment. Inking of Immunity is made possible by all these people: Chris Lynn - Executive Producer & Co-host Becci Owens - Associate Producer & Co-host Mike Smetana - Associate Producer & Co-host Kira Yancey - Production Manager Find us on social media on Facebook (inking.of.immunity), Twitter (@inking_immunity), and Instagram (@inking.of.immunity) Or email us! at inkingofimmunitypodcast@gmail.com

Headgum's newest technician, Joel, joins Amir, Kayla, and Geoff to discuss the new Little Caesar's/NFL partnership, collegiate baseball, and first-look deals! Advertise on The Headgum Podcast via Gumball.fm Rate The Headgum Podcast 5-stars on Apple Podcasts. Rate The Headgum Podcast 5-stars on Spotify. Join the Headgum Discord. See omnystudio.com/listener for privacy information.

This week Erica chatted with one of her favorite humans Madison Bashford about her novel research tagging and studying market squid at the John Hopkins Marine station during her undergraduate career at California State Monterey Bay. They also have a very real discussion about the role of mental wellness in their personal and professional journeys, as well as larger environmental issues.

Follow Kwanza on updates on future Black projects.  https://twitter.com/kwanzer https://www.instagram.com/kwanzer/ Kwanza Osajyefo Official Website: https://www.kwanzaosajyefo.com/ ___________________________________ Join our Patreon: https://www.patreon.com/thescifisigh?ltclid=74dee16e-c704-48b4-a577-240e80313ce7 ___________________________________ NOOM: Sign up for your trial at www.noom.com/bleav ___________________________________ WATCH THE PODCAST and Subscribe to our YouTube Channel: https://youtu.be/6-1cR3zFauY _________________________________ Click here to listen on Apple Podcast, Spotify, Amazon Music and Vodacast: https://linktr.ee/thescifisighpodcast

***THIS EPISODE*** Hearing about the Esoteric Gladiator from friends we began listening to his podcast. This man has been through quite a life experience and has come out the other end seeking the inner self. Years and years of shadow work and learning while being locked up gave Jeremy Lifsey a greater perspective. He joins us today to talk about it all and wherever the flow goes.   ***OUR SHOW*** Welcome to False Reality Check, a podcast hosted by a husband and wife. Featured in this podcast are episodes diving into deep topics like consciousness, spirituality, the nature of reality, society, culture, personal growth and others.    If you're interested in unique perspectives and raw, uncensored discussion with real free-thinking individuals, this is the right podcast for you. We don't tell you what you want to hear, we tell you what you need to hear.   ***THE PLAYLIST*** https://open.spotify.com/playlist/6ZmZkmCPQWUS1M8FWUm4eE?si=07c24e2baaa04d11   ***JEREMY'S SOCIALS*** Instagram: https://www.instagram.com/jeremylifseytattoo7/ Podcast: https://podcasts.apple.com/us/podcast/esoteric-gladiator/id1506069300   ***OUR SOCIALS*** Twitter: https://twitter.com/frcpod Instagram: https://instagram.com/frcpod Telegram: https://t.me/falserealitycheck Flote: https://flote.app/user/falserealitycheck Gab: https://gab.com/falserealitycheck Email: frcpodcast (at) protonmail (dot) com   ***PREMIUM CONTENT*** Sign up for FREE on www.Rokfin.com To get more content including our shows Vacation Forever and Awaken Slaves along with tons of other creators, subscribe for only $9.99 per month or $99 a year. It's the Netflix of alternative media.  Rokfin: https://rokfin.com/FalseRealityCheck   ***SUPPORT*** Rokfin: https://rokfin.com/FalseRealityCheck Merch: https://false-reality-check.creator-spring.com/ Secret Health Club: https://clivedecarle.ositracker.com/210648/11489/url_21383 Supplements: https://clivedecarle.ositracker.com/210648/11489 CashApp: https://cash.app/$falserealitycheck PayPal: https://www.paypal.com/donate?hosted_button_id=ACP757YQ8CZL4   ***LISTEN*** Website: falserealitycheck.com RSS:  https://feed.podbean.com/falserealitycheck/feed.xml Apple Podcast: https://podcasts.apple.com/us/podcast/false-reality-check/id1572054836 Spotify: https://open.spotify.com/show/3cSJbMDUjtLVZ86C7N5nm9?si=aY_uDP-kTLSlpJLgEQGhJQ&dl_branch=1 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2ZhbHNlcmVhbGl0eWNoZWNrL2ZlZWQueG1s     Opening Music: AERØHEAD - The Reckoning Closing Music: Mezhdunami - Uncut gems

Jay Newman, a former hedge fund portfolio manager who spent 40 years involved with international finance, has authored the new novel “Undermoney,” part of a three-book deal with Scribner. With cameo appearances by Vladimir Putin and Mohammed bin Salman of Saudi Arabia, the novel offers a fictionalized account of the very real instances of the moral turpitude and financial skullduggery swirling around the ultra-rich and politically powerful governments.We discuss: >> The initial impulse to write>> Inking the book deal>> The epigenetics of money and power>> Fictionalizing true events>> The final editing process>> Doping-out a series of book titles>> Tom Wolfe and “Bonfire of the Vanities”>> Etc. Learn more about Jay Newman here: https://jaynewman.com/author Novelist Spotlight is produced and hosted by Mike Consol, author of “Hardwood: A Novel About College Basketball and Other Games Young Men Play,” and three yet-to-be-published manuscripts, including “Family Recipes: A Novel about Italian Culture, Catholic Guilt and the Culinary Crime of the Century,” “Lolita Firestone: A Supernatural Novel,” and the short story collection “Love American Style.” Write to him at novelistspotlight@gmail.com. We hope you will subscribe and share the link with any family, friends or colleagues who might benefit from this program.

Andreas Gaertner — illustrator, professional graphic recorder, author — shares lessons he's learned on his journey from tattoo artist to professional visual thinker that draws live for large companies and teaches others to draw live too.Listeners: You have access to a special discount code sketchnoteArmy2022 for a 35% discount on Andreas' Graphic Recording PRO online course:https://www.andreas-gaertner.de/graphic-recordingSponsored by ConceptsThis episode of the Sketchnote Army Podcast is brought to you by Concepts. An infinite canvas sketching app built for tablets with a stylus, like the iPad Pro, Microsoft Surface, and Samsung Galaxy Tab.Concepts' infinite canvas lets you spread out and sketch in any direction. Everything you draw in Concepts is a flexible vector, so you can move your notes around the canvas, or change their color, tool or size with a simple gesture. SEARCH ”Concepts” in your favorite app store for infinite, flexible sketching.Learn more: Concepts AppRunning OrderIntroWelcomeWho is Andreas?Andreas' origin story“Doing is most important, taken is overrated.””Bluff, then perform”“Fill the room” and the importance of having a big enough tankSpitting out a mint in front of a crowd of 200 peopleThe work Andreas is doing now:Online coursesLive drawing sessionsDrawings for donationsWhat Andreas does to cope with pandemic:Getting up at 5AMMore quality time because of less travelThe power of video callsSponsor: Concepts appToolsTipsWhere to find AndreasOutroLinksAndreas' WebsiteDie ZeichnerShare NotesAndreas on InstagramAndreas on LinkedInAndreas on YouTubeAndreas' Book: Made in CreativityOnline Graphic Recording CourseMorgan MotorsHamburg's ReeperbahnThe 5AM Club by Robin SharmaToolsAmazon affiliate links support the Sketchnote Army Podcast.Neuland No.One® Art, brush nib 0.5-7 mm 105 Gray MarkerNeuland No.One® Outliner180gsm A4 paperPack TeleprompterPAD® iLight PRO 11"Miro Digital WhiteboardiPad ProApple PencilWacom Cintiq 22 Drawing TabletTipsUse gray and black for 2 levels of informationShut up — DO IT! Practice again and again!Make your drawing process visible to the customer — don't hide it!CreditsProducer: Alec PulianasTheme music: Jon SchiedermayerSubscribe to the Sketchnote Army PodcastYou can subscribe to the podcast through iTunes, Google Podcasts, Spotify, Amazon Music, YouTube or your favorite podcast listening source.Support the PodcastTo support the creation, production and hosting of the Sketchnote Army Podcast, buy one of Mike Rohde's bestselling books. Use code ROHDE40 at Peachpit.com for 40% off!

The law finally caught up with a man who'd been running an overpriced printer cartridge scam for decades. And Luke and Andrew try to unlock the mysterious pricing schemes at a mall department store.

The law finally caught up with a man who'd been running an overpriced printer cartridge scam for decades. And Luke and Andrew try to unlock the mysterious pricing schemes at a mall department store.

The law finally caught up with a man who'd been running an overpriced printer cartridge scam for decades. And Luke and Andrew try to unlock the mysterious pricing schemes at a mall department store.

Host Josh Lloyd speaks to Shawn Coleman of Locked On Grizzlies about Memphis' trading flurry and whether they are done or not, and what this means for the direction of the team, and to John Karalis of Locked On Celtics about Boston's extensions for Robert Williams III and Marcus Smart.Support Us By Supporting Our Sponsors!SweatBlockGet it today for 20% off at SweatBlock.com with promo code LockedOn, or at Amazon and CVS.Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order.BetOnline AGThere is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus.Rock AutoAmazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices