Podcasts about Johnno

Christian ; Follower of GOD Servant of CHRIST        GOD Provides / JESUS Saves GOD is Love Patreon https://bit.ly/3jcLDuZ

We went on the road toVegas Unstripped at the Palms, and it's chaos in the best way. Champagne was sabered, Sam got iced, and we ate... everything. From escargot donuts to foie gras ice cream, this episode is a love letter to Vegas' best chefs.On Today's Menu:Culinary highlights from Partage & Le Club with Chef Yuri SzarsewskiGolden Steer Steakhouse's expansion to New York & more with Amanda SignorelliBourbon Steak's new menu & local focus with Josh SmithSoul Belly BBQ, BURGERSMITH, Pepper Club, & Midtown Project with Bruce KalmanSteve Kestler of Aroma Latin American Cocina breaks down his Latin fusion hits & must ordersWild Fig BBQ serves up smoked beef cheek tacos & Daniel Schneider goes through their meaty menuKim Owens of Main St. Provisions chats seasonal dishes & Spring changesTSP Baking Company's mystery cupcake challenge with Kari GarciaQuestions, comments, hate mail? Email us at cheers@eattalkrepeat.com!Thanks for tuning into today's episode! If you enjoyed this episode, subscribe to the show, & make sure you leave us a 5-star review. Visit us at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Eating Las Vegas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ &⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Eat. Talk. Repeat.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on social:Twitter/X:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠@EatTalkRepeat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠@EatingLasVegas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, &⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠@AshTheAttorney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠@EatTalkRepeatLV⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠@JohnCurtas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ &⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠@AshTheAttorney

Patrick discusses the challenges of parenting in today's world filled with varying influences and ideologies. He offers insights into balancing the pursuit of affluence with spiritual growth and shares advice on providing meaningful support in difficult family situations. Additionally, Patrick highlights the benefits of homeschooling and the relationship between wealth and virtue. Claudia - My son is confused about his gender. I’m concerned about the influence of his friends. What can I do? (01:02) Elizabeth - My sister-in-law was a former witch, and she needs help. How can I change her mind about the Catholic Church? (06:24) John - No requirements or credentials are required to teach at a private school in California. (13:29) Claudia (email) – Thank you for telling us about The Walton’s! (19:37) Margaret - Can someone look at their abundance and wealth as a cross or is that just playing the victim’s role? (23:06) Karen (email) – What are plenary indulgences and where can I get them? (33:41) Sam - Can I use someone's suffering and offer it up for them if they can't offer it up themselves? (39:13) Jerry - Catholics Schools performing are better. I also have a Crucifix in my school, and it works. (41:47) Mark - I know we have to be not attached to riches, but being rich is not bad. (44:02)

Ever wonder what other people talk about with their financial advisors? A new survey of nearly 400 experienced advisors reveals the biggest concerns, challenges, and financial goals their clients are facing today. From retirement planning to healthcare costs to working longer than expected, we're breaking down the key takeaways and how they compare to what we see in our own client conversations.   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.     Marc: Ever wonder what people are talking about with their financial advisors? Well this week on the show we're going to discuss a new survey of nearly 400 experienced advisors revealing the biggest concerns, challenges, and financial goals that their clients are facing. We'll see how that compares with what the guys see here on the show. Let's get into it this week on Retirement Planning - Redefined.   Welcome to the podcast, everybody. Thanks for hanging out with John and Nick and myself as we talk investing, finance and retirement. And guys, we're going to share this survey. We'll put a link into the show descriptions as well for folks that want to check it out, but want to run some of this information past you guys and see does that correlate with what you're seeing, do you think it's accurate, not accurate, and just spitball and talk a little bit about some of the stuff out here.   The survey was done of nearly 400 experienced advisors all with around 20 years or more of a business, practicing business, so interesting. They didn't really say exactly the age bracket of all the people they were talking to, so there could be some folks that are not necessarily retirement age. They could be younger as well as older, but I want to run down some of this stuff and just get your guys' take on it.   How you doing this week, John?   John: I'm doing well. Daylight savings is messing with me a little bit, but I'm adjusting pretty well. And one of my kids, actually both my kids, they're testing for an honor belt in karate.   Marc: Oh, nice.   John: So they're excited.   Marc: They're going to whoop on you. Be careful.   John: It's funny you say that. They're running around the house kicking me now. It's like I wanted to get them into some self-defense stuff, but now I'm getting kicked.   Marc: So now you got to walk around with some pads on.   John: Pretty much.   Marc: Make sure you're not getting beat up too much. Very cool. Well watch the shins, man. They'll get you in the shins.   Nick, how you doing, buddy?   Nick: Good. We're staying busy.   Marc: He's like, "Good." Well, let's break this down a little bit, guys.   John: That's the sound of a guy that's in the middle of planning a wedding.   Marc: Right? That's what I was just thinking. He's like, "I got to make another decision. I don't want to make a decision." Let's jump into this and we'll see if we can make this easy for you this week, Nick.   So seeking out a financial advisor, the first part of this survey, advisors in the survey said 52% of their clients have sought out financial advisors to help with the retirement planning. About 34% surveyed were just looking for somebody to build wealth with. And in an era where everybody can call themselves a financial advisor, does that strike you as interesting? What do you guys think about that, 52% looking for retirement planning versus 34 just looking for some sort of wealth building, whoever wants to start?   John: Yeah, those numbers seem accurate to me. Well, I guess I'm a little surprised it's not more looking for help with retirement planning.   Marc: Okay.   John: I'd say the majority of our clients are retirement planning based, "Hey, I want to make sure my plan's good. I want to make sure I don't outlive my money." As far as building wealth, that does come up quite a bit, and Nick will jump in as well, but I'd say most of our clients are looking for retirement planning and just making sure they're on track and making sure that they're making the right decisions.   Marc: And it's two different mindsets too, right, Nick? I mean, so you need to decide what it is that you're looking for. I mean, not to say that you couldn't work with a retirement planner who also can help you with some of the wealth building, but it is a different skillset as well. If you're just looking for someone only to help you build the wealth, that's a little bit easier, I would think.   Nick: Yeah, and I would almost, if I were to say maybe put that in other words, we talk with people at the three phases of money as far as their life goes are accumulation or growth, distribution, taking their money in retirement and then transfer when they leave money. And so I would say from that initial, that wealth building, that's most likely accumulation focused. And because so many people accumulate their money while working in their 401(k)s and that kind of thing, I think it tends to be a little bit of a different conversation and it's those people that as you get closer to retirement. So without having ages, it does make it, the numbers are interesting, and I agree with John, I would've thought maybe it'd be a little bit higher from the standpoint of the retirement planning side, but-   Marc: Well, I mean, if you're just trying to grow the money, again the market's been, obviously we haven't had a prolonged downturn, and it's been choppy here lately, but we haven't had a prolonged downturn since '08, '09, so there's a lot of information out there about saying it's a little bit easier to build the wealth. But the preservation stage, which retirement is a little bit more complicated. There's more things going on than just the portfolio.   But with that in mind, check this out. Over half of the survey of financial advisors said the average client asset minimum was 760,000. I found that to be good. I know different areas are going to be more or less depending on the economic state of the area, but when you often hear that people aren't doing a very good job saving for their retirement future, three quarters of a million dollars is not bad.   Nick: It's definitely interesting to see the numbers and how they've changed over the last five to seven years where, and you mentioned it earlier where we've had a long prolonged period of time with the market going up, and so there's quite a bit of people meeting with us or ending up with more money than they had thought that they would or that sort of thing. There's a little bit of concern with that that only lasts for so long and that there's some correction and all that kind of stuff to happen. But absolutely, definitely that puts most people in the wheelhouse of where they need to be to have a successful retirement.   Marc: I mean, it's not bad. John, do you guys have a minimum? I mean, I know different advisor firms do different things. You can't service everybody. There's only so many hours in a day. So you'll hear something where somebody says, "Well, we work with people with 250,000 who have saved or more in assets," or some or a million or whatever. Do you guys have a breakdown?   Nick: We don't have a set minimum that we advertise or market.   Marc: Okay.   Nick: I would say that the majority of the people that meet with us tend to have what many institutions have as their minimum. So in other words, a lot of places will tell people, like you referred to that, they're looking to work with clients that have 250,000 or more just from an efficiency standpoint of trying to make sure that they can service their clients and that sort of thing, and so we end up above that with most clients. But the reality is, is that the conversations that we have with clients are really we don't keep that rule set in stone because for us, it's more of a relationship-based.   Marc: Individually based kind of thing? Okay.   Nick: Yeah, and really it's something we're looking for people that are serious about planning. I would say if you were to draw a line between what we were talking about earlier where a growth or retirement planning in a more broadly focused strategy, so they're focused on that. They're serious about it. We reference like, "Hey, we don't want to convince you that you needed an advisor. We want you to know that you need one and we want to interview for the job," kind of concept.   Marc: No, that makes sense because I mean if you're giving suggestions and someone's not willing to take them, you're just wasting each other's time versus... Yeah.   Nick: Exactly, and we found that that'll waste more time than in theory working with somebody that maybe isn't where they're going to be yet. And also-   Marc: It needs to be a reciprocal relationship.   Nick: For sure. Communication's super important for us because we've also found that we've had people come in that maybe are under that 250, but their parents are wealthy and they ended up being a teacher or something that maybe didn't allow them to save as much money as some sorts of jobs, and they're going to inherit money and they need assistance that way. So I'd say we're pretty comfortable with our process and how we approach that sort of thing and really look for it on a relationship basis, communication basis, and how we all get along.   Marc: That makes sense. And it's got to be a two-way street. I mean, when we do the podcast, it's not designed to turn every listener into a client if they're not already a client, but it is designed to say, "Hey, if it's the right relationship field going both ways, then we're happy to help if we can." That's pretty cool. So that's a good way of looking at that.   John, check out some of these top concerns. Let me know what you think here. So no surprise, number one, outliving their assets, 38% of the people surveyed. That's pretty much always number one, right? Outliving your money.   John: Yeah.   Marc: 31%, generating reliable income streams, a pretty high number as well.   John: Yes.   Marc: Okay. Then it drops off to a pretty stark, down to 12% for a future stock market crash. Now with some context here, this survey was completed at the end of last year, so it was December of '24. Do you think that number's gone up recently?   John: I would willing to bet that number's gone up. I think we were talking about the market, the last real big downturn was '08, and I think in the last 10 years, we've only had two years of the market being down, the S&P 500. I think it was, what, '22 and 2014, I believe.   Nick: I'd almost say that's a leading indicator that there's going to be, it's one of those things. Once people get that comfortable, that's usually when it comes.   Marc: I mean, it's been a while, right? So because nobody's worried about it whenever it's riding high. We only seem to worry about it whenever we're in the middle of it falling a little bit. But the one that really surprises me is all the way down to 8% for healthcare costs. Now if you guys are focused more on helping people with retirement planning and strategies, that to me, again depending on the ages of the people that answered this survey, healthcare costs at 8% seems awfully low because it's pretty costly, and we need to be having those conversations when we're, especially as we're getting older.   John: Yeah, for sure. This one, it is very important, and I think it's same thing we're talking about the stock market where it's been doing well. And when you're healthy-   Marc: It's great.   John: ...you think you're going to be healthy for a long time.   Marc: You don't think about it. Right, exactly.   John: You don't think about it all. It's back of your mind. I'll tell you where we see a lot of people concerned about it is if they had to do some care for their parents. Then it becomes top of mind of like, "Hey, this was a lot that I just went through." And taking care of them or seeing, whatever, if they have to go into a facility, and then in turn that's where we see the most of our clients that are concerned about healthcare costs is if they had to take care of a loved one.   Marc: Nick, according to the survey on that topic, advisors that were surveyed in this, were saying that clients should be more concerned about healthcare costs at around 54% unanticipated healthcare cost. Will you agree with that as well? Because I mean, obviously it comes out of the blue, it can totally derail the whole strategy.   Nick: Yeah, I think part of that is, from an advisor perspective, the whole concept of long-term care, obviously I'd say many advisors have a good grasp on long-term care, but I think it's become increasingly difficult for advisors to help clients plan for that with insurance or certain products that are out there. If we went back 10 years and from, let's just call it 2015 back through maybe 2005, that was the golden era per se for clients to be able to secure a reasonably priced policy from a long-term care perspective. So I think maybe that ties into the concern that advisors have is that at the end of the day it's a really expensive problem that clients can have, but it's also an expensive solution that a lot of clients are reticent to spend on something that may not be an issue, especially in a state like Florida where all of the insurance, people have serious insurance fatigue here.   Marc: Oh, I'm sure.   Nick: So it's a funny thing. The one time I actually answered a soliciting call earlier this morning was from State Farm calling me to, and they asked me if they could shop my car insurance for me, and I said, "Sure, let's try it." And sure enough, it was going to be $1,400 a year more than what I'm currently paying.   Marc: Thanks for the help.   Nick: And she laughed too, and she's like, "Well, can I call you in six months?" I was like, "You can try."   Marc: You can try.   Nick: I don't think you guys are going to come down that much. And so it's just crazy with what people are paying here. And so I think, long story short, I think that really ties into it as well for advisors.   Marc: And I'll hit you with this last one, John. I'll let you start and then I'll let Nick jump in if he wants to. And again, this survey was completed at the end of last year, so you can't take the current market downturn into this conversation. But according to the survey, an average of 63% of clients age 55 or older intended to work to 65 and beyond. 63% of people wanted to continue working up to 65 or beyond, yet only 30% of those clients are actually still doing it. So I guess my question is, does this surprise you that people want to keep working longer? And if so, what are some of the main reasons why you guys are seeing people want to work into their older ages?   John: It doesn't surprise me. I think with the shift really since COVID of being able to work remote, I've seen a lot of people that sit there now thinking like, hey, I work from home. I can travel still and log in. And it's given them a comfort of just saying, yeah, I'm making good money. I can continue to do this.   Marc: Feather than nest some more, right?   John: Yeah, so it's just building up the nest egg and allows them maybe to feel comfortable doing some more travel that they otherwise maybe wouldn't have felt so comfortable doing. We talked about the fears of outliving your assets, so I've seen a lot of that. And then there's a lot of studies out there saying, just keeping sharp of mind. So I've seen that where people are like, "Hey, I don't want to retire because I want to stay active. I want to have a purpose and continue to do things." So I think I'm not surprised by that number.   Marc: Interesting.   John: Because we're having more conversations of people wanting to work longer because they enjoy what they're doing. And with Zoom, it's become very easy to continue to work longer.   Marc: Well Nick, I'll give you this last piece here. 48% of those people feel like they don't have enough saved to live on through retirement. I mean, you're talking about half. So half of the people surveyed don't think they have enough, so that sounds like it just comes back to just not truly having a plan or even really knowing what it is that you've got. They've probably never sat down and really pulled this stuff together so they don't feel confident.   Nick: Correct. I think you nailed it there. The uncertainty of not having a plan and not knowing and understanding what things look like really oftentimes causes procrastination, and then all of a sudden it's 5, 7, 10 years later and there could have been a couple of small tweaks or a couple of small adjustments. I mean, in reality, there's been so many times when within 30 minutes if John and I meeting with somebody the initial time, we can tell three to five things that they could do that wouldn't have a significant impact on their life, but would have a significant impact from a positive perspective on their overall planning. And so whether it's informing themselves and holding themselves accountable or working with an advisor, which we have found, and there's been a ton of studies that have found that having that partner to help guide them through the decision-making process, that there's significant value there and the average rates of return and all that kind of stuff show that because of the decision-making.   Marc: Well, think about what you're going through with the wedding planning stuff. So there was a thing a couple years ago we were talking about, some of the most stressful events we can do in life, one of them was planning for a wedding. One of them was planning for retirement, right?   Nick: Yeah.   Marc: There's a lot of decisions to be made. And so having somebody to lean on I think goes a long way into removing some of that stress because it does get overwhelming. And at some points you're just like, ah, screw it. I don't even know what to do anymore. So being able to talk with guys like yourselves and say, "Okay, look. Here's some thoughts we had," or, "Here's what we were afraid of," or whatever the case is, it gives you that sounding board to bounce some ideas off of and maybe get some reassurance.   Nick: Yep, fully agree.   Marc: Yeah, and so are you having that same problem from the wedding standpoint?   Nick: Right now we're interviewing planners-   Marc: There you go.   Nick: ...and the prices have gone up, so it's-   Marc: But you're looking for help, right, because it's a lot.   Nick: Yeah, absolutely, absolutely.   Marc: John, you don't want to be the wedding planner?   John: No, no. I did that 12 years ago-   Marc: I got you.   John: ...and I want no part of that.   Marc: I got you. Well, all right, guys, good conversation as always. Thanks so much for hanging out. So at the end of the day, I mean you find these surveys are pretty interesting. And I think a lot of this stuff comes back fairly similar each time, is that people are looking for some assurance. They're looking for some clarity in some of these situations, so that's the point of running through the planning process is finding out what do you got, where do you stand and how's it working for you, and do you need to make some changes?   Often people feel like we're going to have to do some major overhaul, and it scares them. But a lot of times when you run through the planning process, many people are in better shape than they realize. You just need some tweaks here and there. So if you want to have those conversations for yourself, reach out to John and Nick and get started today at pfgprivatewealth.com. That's pfgprivatewealth.com. Get yourself onto the calendar for a consultation and a conversation.   And don't forget to subscribe to us on Apple or Spotify, whatever podcasting app you like using. Retirement Planning - Redefined is the name of the show with John and Nick, and we'll see you next time here on the program. Thanks, guys. Take care of yourself.

Finding what you love doing beats chasing money every time. Today on the IC-DISC Show, we're talking with John Sacco, owner of Sierra International Machinery, a trailblazer in the recycling industry. Starting as an agri-packaging business, John transformed the company into a recycling equipment powerhouse, moving from marketing Italian made machines, to designing their own balers and conveyors, and now offering a comprehensive range of recycling equipment with renowned service quality. He's been a lifelong industry advocate. Serving as past ISRI chairman and creating the "Repurposed" docuseries on Prime Video, a series showcasing how 75% of new American steel comes from recycled materials. Activities that help companies recruit talent by highlighting the environmental benefits of an industry often misunderstood by policymakers and the public. It's a great conversation revealing how critical recycling is for disaster recovery, processing debris, and supplying rebuilding materials. Listen in to hear why John believes finding your passion, as he did at age 59, brings more satisfaction than any bank account.     SHOW HIGHLIGHTS We explore Sierra's transformation from a leader in agri-packaging during the 60s and 70s to a pioneer in recycling machinery, sparked by the introduction of an Italian machine in the 1980s. John discusses the significance of Sierra's involvement with trade associations like ISRI, now REMA, emphasizing the role of advocacy in correcting industry misconceptions and celebrating milestones such as serving as chairman. John and I delve into Sierra's innovative marketing approach, highlighting their docuseries on steel recycling that unexpectedly gained popularity on Prime Video, enhancing the industry's image. He addresses the broader industry challenge of attracting and retaining talent, drawing parallels to Mike Rowe's advocacy for essential yet undervalued jobs. We highlight the environmental advancements in the U.S. steel industry, including its leadership in recycling and the significant role of recycled aluminum in the automotive sector. John shares advice on prioritizing passion over profit, emphasizing personal growth and the rewarding aspects of the journey, including attending industry conferences and personal milestones. He reflects on Sierra's collaborative team effort in expanding product offerings, driven by customer needs and market opportunities, while maintaining a strong reputation and high-quality service.   Contact Details LinkedIn - John Sacco (https://www.linkedin.com/in/john-sacco-8a8a1b10/) LINKSShow Notes Be a Guest About IC-DISC Alliance About Sierra International Machinery GUEST John SaccoAbout John TRANSCRIPT (AI transcript provided as supporting material and may contain errors) John: And there's a lot of misconceptions about our industry. So staying involved is, you know, I've done it and that's kind of why I've also done a lot in regards to the docuseries on our industry and stuff like that. Dave: Good morning John. How are you today? John: Doing good. Doing good, that's awesome, not bad. Dave: How are you today Doing good? John: Doing good. That's awesome, not bad. How are? Dave: you doing Dave. That's good, I'm doing great Now are you a? Native of California. John: Yeah, I was born and raised in Bakersfield, California. Dave: Oh, wow, Okay. So did you grow up around the scrap business? John: Well, actually I grew up more in the agri-packaging side of Sierra. We used to have a company called Sierra Bag and we used to supply agri-packaging products. We were at one point the leader in selling bagging and ties to the cotton industry. Years ago in the 60s and 70s, there used to be over 2.2 million bales a year of cotton grown in the San Joaquin Valley and we used to sell the bagging and use bags and make potato bags and onion bags. We had the recycled materials facility but I really wasn't involved with that. I was more involved during the summers as a kid working in the bag plant. Dave: Okay, so how did the transformation then go on your end to where you get more involved in the recycling space. John: Well, it started when my dad had found a machine out of Europe, out of Italy, and he thought that the market in America could use these machines. Which he was right. And at 19, by late 1985, his partner, 42 years, a buddy of his, who he met during World War II, was, he was ready to retire, he had some health issues and he was just ready to call it quits. And so, in early 1986, what he did was sold the Jagger packaging, bought his partner out and had me start marketing the machines. So, not knowing a whole lot about Ferris and non-Ferris, quite frankly, I was forced to learn it kind of on the fly and getting involved with selling the equipment. Dave: Okay, and did you get involved with the company right after you graduated from USC? John: I did. For two years I was on the agri-packaging side, traveling around to potato sheds, onion sheds, selling the products that we had, and then in 85, started going to the cotton gins. Also, we held a at the time a patent on the cotton module which when they harvested cotton in the field they'd make these big well, for lack of a better word a big log of cotton before they sent it into the cotton gin and we had a tarp for it into the cotton gin and we had a tarp for it. So when it if it rained because the harvesting of cotton was late September, early October and so if it rained it could ruin the grade so we had this cotton module cover and we had a patent. So we sold a lot of those throughout America to the cotton industry. Dave: Okay, and then it was shortly after that that you got more involved in the recycling machinery. John: That's correct. Yeah, when my dad sold all the agri-packaging in 86, all of that went away. So that was when he wanted me to market the machines, because I had taken marketing at USC. So I just basically said, hey, market these machines. Dave: That's what I've been doing ever since and there's a little more to it than that because at some point you all started developing your own machinery. Is that correct, that's? John: correct. We you know our clientele base also was in need of two-ram balers for the processing of non-ferrous materials, you know, aluminum, copper, and also in the fiber industry for paper. And so we decided to start building two-ram balers and hired an engineer who was at the time unemployed and got involved and built a plant down in southern Georgia and expanded today. So we finished, we opened up in October of 2008 and building two ram balers and conveyors for the metal side and also the waste sector. So that's grown nicely over the years. Dave: That is great. And then you guys have expanded your product offering. Then beyond that to other aspects, right? John: That's correct. Yeah, so you know, for recycled materials facilities we offer a wide variety of products from 2-ram balers, conveyors, shears, shear balers, portable balers, grapples and material handlers, so it's a wide variety of equipment that can go into a lot of different aspects of the waste sector and the recycled material sector. Dave: Okay, and then at some point, you became involved in the Trade Association. Was it ISRI then, or was that? John: Yeah, it was ISRI back. It was in the late 1990s that I got involved and you know I got involved, I enjoyed and it was fun for me on a personal level and then in two I was elected to be secretary-treasurer of at the time it was ISRI. It's now REMA, the Recycled Materials Association. So I did that stint, you know, as secretary-treasurer and you move up to chair, and I was chairman in 2011, 2012,. But have stayed involved with the Trade Association because I believe in having a strong voice for an industry in the states and in, you know, in the nation's capital. You know policymakers don't really know what we do and there's a lot of misconceptions about our industry. So staying involved is you know there's a lot of misconceptions about our industry. So staying involved is, you know, I've done it and that's kind of why I've also done a lot in regards to the docu-series on our industry and stuff like that. Dave: Okay, I can't believe that it's been 12 years ago. 13 years ago I guess that you were the chair. I think that's when I first met you in San Diego, I think on the aircraft carrier at a social function. John: Yeah, when we met on the aircraft carrier, that was 2010. Excuse me, that was 2000. Yes, it was 2010. And that was the final night party of ISRI at the time on the USS Midway, and at that party I was officially at that moment, the chairman of ISRI. So yeah, as long as it was, it does seem just like yesterday, david, and it was a great party. But yeah, it just seems like yesterday. Yeah, the sound of it is a long time ago. Dave: Wow, yeah, the time does go by. Now I'm curious, as your product line expanded, I'm curious was that more of a case of you just saw an opportunity and that's kind of what drove it, or was it more your customers coming to you saying, hey, we really need help in this area. Would you guys develop something? Or is it a mix of the two? John: Well, it's a little bit of everything. I have a great team here and the people at the time who was on the team, you know, said well, we should get involved with this type of equipment because we have a need for it. You know our customer base asked for it and you know I won't take the credit for it and you know it's I won't take the credit for it because in the end it's a team here at Sierra and you know I have a brother involved who's my partner now, his son, my nephew's involved and so over the years it's just it's about discussing what we can do, how we grow. How do we you know you got to grow your revenue. How do we grow it? And by adding different products into the mix. And then the manufacturer out of Italy, the Tabarelli family, they have a wide, they had the material handler. So we just started just a couple years ago starting to really, you know, push into that market and you know we'll gain our traction. It takes a little time but it's a team effort here and it's just a lot of people have. You know my general sales manager has been with us since 1988. And you know he has a lot of great ideas as well. So, as a team, we've worked together to develop the products we needed to come into the market. And what's really unique is when you deal with our company. There's, like I say, a wide variety of equipment that you can handle or you can purchase from Sierra and that we service. So we have the ability to sell a lot of different machines, yet we have the ability to service each and every one of those machines with the same intensity. So it's been good. Dave: No, that's excellent. With the same intensity, so it's been good. No, that's excellent. Do you? Is it that aspect of that ability to you know service, all that equipment? Is that one of the main reasons your clients choose you? What's the feedback you receive from your customers, as far as you know why they end up choosing you? John: Well, there's a lot of reasons. We have built, you know, a really good reputation and we work on it every day to improve. In our service department we carry the parts and we have the technicians, but we also have a very high quality piece of equipment. Series repurposed season one, season two really tells the story of our industry and, as the former chairman of israel, now rima, I keep advocating for the industry with what I do with our social media and you know, when you have two seasons on prime video, people notice that. So there's a lot of things involved. We have good people, we try to do the right thing at all times and that's our motto the Sierra way is the right way. It's not fancy. So I think there's a lot of things that we do that enhance our image and you know people like to do business with us because of all the above. You know, is it just one thing? You know, one customer may like the service, one customer may like our advocacy, which I've heard. A lot of people like our equipment per se, and there's just a lot of things that go into it. So I think it's multifaceted, dave, and it's just not one item. We try to just try to build everything we do, improve our marketing, our brand, improve our service. You know that's our motto is to try to get better every day. We don't want to be the best, we just want to be better, because being better is a journey that every day, if you come in the office and you say how can we be better, you don't rest on what you did yesterday. So it's, you know, we got a good culture, we got great people. You know our technicians also are a great face to the company, our salespeople as well. So I think it's just a multitude of things. Dave: Well, that's an insightful answer. I appreciate that. As far as that docuseries, I've always been curious what's the story behind that? Did you just wake up one day and say you know what I want to be on TV, or was it a little different than that? John: Oh, it's a lot different than that. Interesting how it all came about. A gentleman I've worked with Darren Doan for over a decade on creating content and stuff we've done together. We had this idea back I don't know 22, early 22, to do a thing called the Sierra Summit. We were going to bring in Mike Rowe and the top 100 metal processors in America have this big event and the Ukraine war broke out and what happened with that is a lot of processed steel out of Europe was handled through in Ukraine and our supplier of the Shears, portable balers, had a supply chain issue plus a pricing increase. That was dramatic. And so we decided well, we better keep our powder dry and not spend this money for the summit. And so about a month later things you know, the steel market for europe started settling, and I don't know. I just had this idea of doing this docuseries on steel making being made from recycled steel and start changing the narrative, because I got tired of hearing the word junk, waste, trash. And I think that was one of the biggest obstacles to our industry. And I don't know, I've been in front of the camera with my social media posts, so being in front of a camera didn't bother me. But telling the story of a steel mill using recycled steel as the raw materials coming from out facilities like our own here at Sierra was a fun thing. So I thought, well, you know, we could put our equipment in this, we can tell the story. We're going to advocate for the industry, we can get this out there. I never had any intention of getting it out to Prime Video. My whole intention was to tell a fun story in a cinematic way that people would like and find entertaining and educational. And it turned out to be just that. And so we did season two, where we actually what we learned from season one. So then we weren't focused on the output of rebar at cmc and the construction projects needing rebar, so we showed a lot of projects that had rebar. And where did the rebar come from? So you backtrack it all into the recycled materials and so, uh, it just kind of grew from that. I don't mind being in front of a camera, you know, wanting to be in front of a camera or not minding it, or I think are two different things, but the fact is that I enjoy creating the content. It's fun for me to get into a steel mill. It's fun to tell the story, to talk to people and you, you know, when I released the series, there's so many people who've used it to show their families what they do. You know there's so many people who don't understand what our industry is about. And then you got schools and you know companies using it, even like SAB they were season one. They used it for recruiting and safety and telling their story and CMC is the same as well as telling their story of how their steel mill is really the foundation of infrastructure, because you have to start with rebar and any hospital and school and manufacturing plant. You've got to start with rebar in any hospital and school and manufacturing plant and you know you got to start with rebar and rebar comes from recycled metal, so it's a good story and they've been able to educate people to draw, you know, to attract and retain talent. Our industry isn't the sexiest, so it's shed a light on our industry that our industry actually is doing more to reduce CO2 emissions than any other industry in the world today and it attracts people who want to do something good for the mother earth and have a good paying job at the same time. Dave: That's awesome. Did that surprise you when, like CMC and some other companies, use that as like a recruiting and education of themselves? John: No, that was part of my sales pitch to them. Dave: Okay, okay. John: I knew, for whatever reason, why I knew that our industry has we have an image problem this I know, and it was still there. And attracting and retaining talent is a struggle, and it's not just our industry. If you talk to any facility, any company in America today, they all have the same issues. You know, I've just finished filming at the Toyota Motor Plant in Troy, missouri, where they make cylinder heads and their number one issue is attracting talent in the mechanics. They can't find them. And steel mills same thing. Every industry in America is struggling to find talent, and so I know that if you don't tell your story, if you don't make your company look cool, who wants to come to work for you? Dave: Yeah yeah, it seems like Mike Rowe is kind of on a similar mission from a little different perspective, really trying to encourage, you know, more people to come into the trades. John: Well, mike Rowe, yes, and you know, look, mike Rowe is an incredibly successful human being and you know, he has to show. You know, dirty jobs and I think kind of that's what we are. We're dirty jobs but we're networked. You know, I don't say we're essential. Essential is a COVID word that the government used to pick winners and losers. You know, you go to the hospital, david. Do they take your essential science or do they take your vital science? Sure, they take your vital science, right. So our industry is vital for the health of the nation. You don't build a hospital with us, right? You know, if you build a hospital, expand a hospital, you got to start where, on the ground floor, you have to start with the foundation, and that starts with rebar that starts. That comes from our industry. You want to build a school? Same thing. You want to build a highway. You know the steel used in the highway. You know, when you think this, 75% of all new steel in America is made from recycled steel Three quarters, that is a monstrous percentage and it's only growing. And you know another thing that is vital to national security is a vibrant steel industry. Okay, you don't build Navy ships with plastic. You don't build a military without steel, right? So you better have a very vibrant and strong steel industry, at the same time saying that America's steel industry is the cleanest steel industry in all the world. Over 75% of our steel mills are EAS electric arc furnace steel mills that use recycled steel to make new steel. Well, why is that important One? We're producing the steel a country needs for our infrastructure, for our military, healthcare, education and our farming and food industry. We also do it in the cleanest way, because recycled steel at EAF reduces CO2 emissions in the 60 percentile. And now that there's more micro mills coming online, more straight line casting of products and steel mills, with the new mills coming online, which reduce the energy consumption and reheating and continuous casting, so you're actually starting to see the numbers improve versus the BOF furnaces that you see that are heavy in China and India and Russia and Europe, south America yes, there are new EAFs going to those parts of the world, but their main steel production comes from the integrated steel mill that uses coking coal and iron ore, which is far greater pollutant, gives us far greater CO2 emissions. So not only is our steel industry vibrant in the United States, we are the cleanest in all the world. So we really are leading the way and I think people. That's kind of why I want to tell the story because people don't. You know we did man on the streets. You know you get me started on this, but you know people don't know steel's the most recycled item in America today. People don't even know what a steel mill is. They don't even know where new steel comes from. You drive a car. You don't have any idea. The majority of the metal in that car comes from recycled steel or recycled aluminum, for that matter. So people don't know this. So it's been kind of fun telling the story with Repurpose and we're getting ready to. We just finished filming everything we need for season three of repurpose. It's going to be on aluminum recycled aluminum and our focus will be on driving the auto industry okay, because you know this, david, that you cannot build an aluminum motor block transmission housing or casings differential casings with virgin aluminum I did not know that. Dave: And it has to be made from recycled aluminum. John: So see this. People don't know this and why is that? because of the alloys, the strength of the material. To take virgin aluminum and then make all, put in all the additives to make the motor block the strength, you, um, you can't do it. So they use recycled aluminum, and you know toyota is a big user. And also recycled aluminum, you know it goes into the light weighting of um automobiles, which gives you much greater miles per gallon and you know produces co2. So again, people don't know this and so I'm enjoying telling the story and getting it out there. Dave: I can tell you have a real passion for the education and helping change or improve the image of the whole industry. John: Well, I think that our policymakers, like in California, we have a real problem in the state of California the automobile shredder they want to deem it hazardous waste facilities and that's just not fair. It's not accurate to recycle for recycling in its own right, but it's hugely detrimental to the raw material supply chain for our industry here in america. That makes all these products that we need. You know we talk about when you take it in the life of an automobile, what do you do with it? And the end of life of an automobile. When you shred it, you gain the, the steel, the aluminum, the copper, stainless and plastics. And what do you do with that? You recycle it and that gets repurposed into new steel, new aluminum, new copper products, new stainless, and it's so. You know. It's just detrimental because our image, because I'll guarantee you, if you walk the halls in Sacramento and you told people, do you know the car you drive that has aluminum transmission housing, that has the aluminum motor block can't be made with virgin aluminum, they wouldn't know that. And this is part of the education process and I think once people know more about what our industry is, they'll realize how vital we are and that's really been a lot of fun for me and you know season three, as we're getting ready to do it gonna use. You know our facility here in bakersville is. You know where we process aluminum? We bail it in the bailers we make. And it's a lot of fun to be able to say the bailers we sell, that process that bail aluminum, are made from steel that comes from recycled steel from ssab. That we did in season one. So it really shows the circularity of our industry and what real sustainability really is. You know it's a buzzword and people, quite frankly, just have no clue what it really means. So I'm trying to bring out the real identity of our industry and try to really change the narrative because it needs to be changed. Once we were heroes during world war ii by supplying the mills with all the metals they needed to fight tyranny, and now we're the bad guys. Dave: Um, that's, we got to get back to being the good guys again I agree, could I mean I, you know just general building anything in California has become more challenging and regulatorily limited. Do you think somebody could even put in like a new shredder operation today, or would it just take? Them Wouldn't even be able to do it Because it's considered hazardous waste Is this considered hazardous waste? John: Yeah well, it's just the process. Nobody, you know, it's just a really crazy process, but you know you reminded me of something. So we have these just absolutely horrific, devastating fires in LA right, and we saw the whole Pacific Palisades and Altadena, the Pasadena area just devastated. What industry is going to rebuild those neighborhoods? Dave: Yeah, the steel industry. John: Well, so when you clean up these neighborhoods and we have a new piece of equipment down there processing the metals and sending it down to a company at Long Beach to process, it's our industry that's going to rebuild these neighborhoods. We're cleaning it up because what's what is left after the fires? Metal products, and all these metal products are being processed and going to be repurposed and sent to mills, steel mills, aluminum copper foundries, and all this new material that they're making from that raw material is what's going to go into rebuilding these neighborhoods. And you can't rebuild a neighborhood without us because we're the raw material suppliers for all that stuff that goes into the housing from the rebar, from the foundation, steel stuff. Now you're going to see a lot more steel being used in the manual in the building of houses in this area because of the fire. What about appliances? You don't build appliances with plastic. Easy-bake ovens aren't how you build refrigerators and ovens and toasters and coffee pots. And all the copper that's going to go into the electrification of these neighborhoods will have 36% recycled copper content into it. All the window panes that'll have aluminum windows and brass, you know, forurposing in it, getting into the consumers to make new products so you can rebuild, wow that's. I haven't thought about that for a second. Dave: Yeah. John: You know. And so the policymakers need to hear this. They need to understand that this is what we do. They need to understand this the most vital. Because, let's say, we don't exist in California. Well, what would you do with all that material? Can't ship it to China. China doesn't take containers of steel anymore. They don't buy bulk loads of steel anymore from the West Coast of the United States. They don't. That's just a misnomer. People, oh, you're sitting in China. They don't, that's just a misnomer. People, oh, you're sitting in China. No, we're not. And people think that, again, it's the ignorance Not calling people ignorant in a negative way. They just don't understand what we do. They don't understand where our materials are going, and I like to say CO2 emissions have no borders. So if Our materials are exported to an EAF steel mill somewhere maybe Malaysia, vietnam, korea, japan, if you will Well, our materials are also going into EAF. So what is that doing? It's reducing CO2 emissions. So our raw materials, be it used here in the US or be it used anywhere in the world, is actually helping to reduce the CO2 emissions in the world. Sure, actually helping to reduce the CO2 emissions in the world? Sure, you know, aluminum reduces CO2 emissions and energy consumption in the 90 percentile, copper's in the 80 percentile. You tell me an industry that's doing that today. You can't the recycled material industry. It's our raw materials that we process. So this is why this narrative, this is why these type of conversations, hopefully are heard by people who will now understand. Wait a minute, I've got this industry all wrong. Dave: Yeah, yeah. No, that's your your passion for trying to educate as many people as possible. It really shows through and you can see it really. It really drives you, so I appreciate it. Well, I can't wait to see season three. I can't believe how the time has flown by. Just wrapping up, I have just three remaining questions. John: Yes, sir. Dave: One is in your role with Sierra. What gives you the most satisfaction and enjoyment? John: Great question. Well, I think we have some great people here and I enjoy the people in the company I've seen in our, for instance. This is an example only and this is, you know, this could be had in every department, but we just have some really high quality people who really are fighting for the same cause. You know fighting, I call it fighting for the same right. And you know I get great satisfaction seeing these young kids who are growing. You know are technicians, for instance, who are growing, who've committed themselves to this culture and you see them growing and they're growing in their abilities and they're growing in their pay scales and you see their cooperative nature and how nature and how they have the can-do spirit. That gives me great pleasure. I enjoy doing this content as well. This gives me great pleasure making the REAP series. So those are my answers to that. Dave: That's great. That's not surprising. So the second of the three is imagine if you had a time machine and you could go back and give some advice to the 25-year-old John. What advice might you give with the benefit of hindsight? John: look, I didn't find what I really loved doing until I was about 59 years old. I'm 63, okay, so find what you love doing, that that beats money all day long. Yeah, and the money I just think, chasing money. You know it's great. You know I mean sure it's. You know I've done well, I'm not gonna begrudge it. But I think the one who smiles and is happiest wins the game of life, not the one with the biggest bank account. I look at Warren Buffett a guy worth just oodles and oodles. I've never seen that dude smile. He is just a grumpy old man. That's my perception of him, my point. And maybe he is a gregarious guy in person, but God, his persona is just grumpy. And my point to you is money doesn't buy happiness. Sure, it makes misery more tolerable, as my dad used to say. But I would tell a 25-year-old me stop chasing money and find happiness through what you love doing. Dave: A great answer. So the last question is is there anything that we did not discuss today that you wish we had? John: Well, no, I you know, I think, david, you know your, your company, with what you do, with your IT desk and helping with consulting. You know that's important. You know there's so many facets of our industry that people can improve upon, and I guess what we didn't talk on are areas in which how can an individual who sees this and is in the recycled materials industry capitalize on stuff that they don't know exists and what you do? I mean, I get what you do and so how do people really, where do they go to learn more about this industry and how they can improve their business? You know there's a lot of things that can be done. You got to be careful how you say this, because you know taxes are burdensome, especially when you live here in California. How can you have a legitimate business concern that can reduce your taxes legally? Because you know avoiding taxes is one thing, evading is illegal. You go to jail for evading taxes, and so you know it's hard because I'm not an accountant and I don't understand the whole time. But there's so much more, I think, for people to learn about our industry and I think, david, with what you're doing, with your setting up companies that are exporters, to understand the benefit of the laws that are out there for companies that export. People need to learn more about that, and I think that's you know. I wish I could have touched more on it. I don't know it like you do, but it is something that I think that's what I would say is to help people learn. There's other avenues to make your business grow and save some of your money, and when you save legally on taxes, you're saving money, so you can invest that in your company. Dave: No, I appreciate you mentioning that. And you know, my most satisfying part of my role is helping our entrepreneurial clients, you know, increase their after-tax income. It's really just. It's such a privilege to be, you know, kind of in the stands watching these amazing entrepreneurs do their magic. And you know, we have scrap metal clients who have, you know, the last decade have, you know, increased their business 10X. And I'm not saying that's because of the IC disc, it probably has little to do with it, but it's just a great. It's just very enjoyable to see the best and the brightest entrepreneurs, just, you know, do their magic. So that's why I love, why I'll be at the REMA conference in May. I can't spend enough time with those people. It's a blast. Well, john, thank you again for your time and I look forward to seeing you in San Diego in a couple of months. John: I presume, yes, sir, I'll be there. I'll be coming for my son's graduation at TCU, so I'll arrive. I'll miss some of the governance you know, as a former chair you're always involved with that but I'll be there for the show and I'll have my. My son is will be a graduate and I will have no more kids going to school. Dave: That's awesome. Well, that's also a landmark event. Well, hey, john, thank you again for your time. I really appreciate it, Thank you. Special Guest: John Sacco.

In this podcast Bible study we are on Exodus 24.  This chapter in Exodus is not filled with amazing events or miracles.  It is not a chapter that is necessarily memorable like chapter 20 and the giving of the Ten Commandments or like Exodus 40 when God actually came down the first time to dwell among His people in the Tabernacle.  But, Exodus 24 is amazing in its own right.  For example there are two verses that challenge us right from the “get go” and seem to provide contradictions to the Bible.  They are … and they saw the God of Israel; and under His feet there appeared to be a pavement of sapphire, as clear as the sky itself. Yet He did not stretch out His hand against the nobles of the sons of Israel; and they saw God, and they ate and drank. (Exo 24:10-11) They saw God?  Huh?  This is impossible.  God says … But He said, "You cannot see My face, for no man can see Me and live!" (Exo 33:20) Or what about these two verses written by the disciple John … No one has seen God at any time; the only begotten God who is in the bosom of the Father, He has explained Him. (Joh 1:18) No one has seen God at any time; if we love one another, God abides in us, and His love is perfected in us. (1Jn 4:12) So in Exodus 24 the word says that they saw God but by God's own words this can't be along with the words in John's Gospel and in his letter of 1st John.  So, what is going on?  How can this be?  In this lesson we will again consider the Hebrew of Exod. 24:10-11.  We will find that there are two separate words that are translated as “they saw.”  Taken together and the fact that Hebrew words have no definitions like English words, the result is they did NOT SEE God.  What they experienced as a VISION.  The Hebrew is exact and precise.  We will get into this in detail in the lesson. These verses in Exodus 24 are a clear example that simple Bible reading does not make us “BIBLE LITERATE.”  I have heard one pastor say to me that he urges his congregation to read the Bible using the schedule of reading the Bible in a year.  You can find this as this link - https://bibleinayearonline.com/  This pastor's goal was to help his congregation become Bible literate.  In his church there are no Bible studies.  The only teaching is just the pastor's sermon on Sunday for 40 minutes or so.  The problem is just reading the Bible once or twice completely and listening to a sermon once a week does NOT make one Bible literate.  As one trusted scholarly source has commented … Knowing how to study the Bible is important, because determining the meaning of Scripture is one of the most important tasks a believer has in this life. God does not tell us that we must simply read the Bible. We must study it and handle it correctly (2 Timothy 2:15). (From GOTQUESTIONS.org link https://www.gotquestions.org/study-the-Bible.html) The Bible is a book that is not merely for reading. It is a book for studying so that it can be applied. Otherwise, it is like swallowing food without chewing and then spitting it back out again—no nutritional value is gained by it. (From GOTQUESTIONS.org link https://www.gotquestions.org/why-read-Bible.html) So the real definition of BIBLE LITERACY is … (numbers relate to the links o the references below) Biblical literacy refers to a person's ability to understand and apply the Bible, including its overarching story, key characters, events, themes, and literary elements. It's about comprehending the Bible's message and how it relates to one's life and faith. [1, 2, 5, 6] Beyond the basics: It also involves understanding the different literary genres and forms within the Bible, such as poetry, prophecy, and history, and how they contribute to the overall narrative. [3, 7] Examples: The Bible Literacy Project provides a course that uses a textbook, "The Bible and Its Influence," to teach the Bible narrative and its impact on history, literature, art, and culture. [8] Current trends: The Church of God International reports a decline in Bible reading engagement in the United States, with statistics showing a drop from 50% in 2011 to 38% in 2024. [9] [1] https://www.logos.com/grow/biblical-literacy/ [2] 

1 John 2:7-8 - The old covenant law was a law of love. In what sense is that renewed in the New Testament? How is it a new law? It is shown in Christ but how can it be shown in us?

Shop Hake! "Sarah" McBride, sorry. LONG convo with Shawn: The Bible! 1 John: No need that anyone teach you! The Hake Report, Monday, November 25, 2024 AD TIMESTAMPS * (0:00:00) Start * (0:03:11) Hey, guys! * (0:05:21) New Hake SHOP * (0:12:08) Rep. "Sarah" McBride "husband" died * (0:25:57) Supers, Coffee, Hake growing? * (0:29:48) SHAWN, FL: Think on these things. "Word of God" * (0:41:16) SHAWN: Perfect peace? Thoughts. Deception. * (0:48:16) SHAWN: Songs, music, promises. * (0:51:26) SHAWN: Deceptions? Thoughts. Bible. * (0:58:21) SHAWN: Why do you care? * (1:11:30) SHAWN: Jerusalem the center, Noah's Ark, Blood * (1:20:16) SHAWN: The word so deep * (1:21:11) Whew * (1:22:11) Reading 1 John 1-2 * (1:31:38) Coffees, Supers Ya Mum: un-mod me! * (1:34:37) Coffees: Popcorn: Interpreting, other mess * (1:43:00) JOSEPH, CA, 1st: Blaming God, Suffering * (1:47:32) KELLY, OR: 1970s auto-mechanic book * (1:50:30) Mary Rice Hopkins - "Walk Like Jesus" LINKS BLOG  https://www.thehakereport.com/blog/2024/11/25/the-hake-report-mon-11-25-24 PODCAST / Substack  HAKE NEWS from JLP  https://www.thehakereport.com/jlp-news/2024/11/25/storm-bert-floods-uk-hake-news-mon-11-25-24 Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/show VIDEO  YouTube  -  Rumble*  -  Facebook  -  X  -  BitChute  -  Odysee*  PODCAST  Substack  -  Apple  -  Spotify  -  Castbox  -  Podcast Addict  *SUPER CHAT on platforms* above or  BuyMeACoffee, etc.  SHOP (new!)  -  Spring (old!)  -  Cameo  |  All My Links  JLP Network:  JLP  -  Church  -  TFS  -  Nick  -  Joel  -  Punchie  Get full access to HAKE at thehakereport.substack.com/subscribe

Author and poet* Dr Laura Jean McKay joins Liz and Ben for two of Terry Pratchett's short stories about intelligent animals: “Hollywood Chickens” (1990) and “From the Horse's Mouth” (1972). In 1973 Hollywood, a truck full of chickens overturned on a busy highway, depositing a population of chickens on the verge. A decade and a half later, scientists try to piece together the story of how they developed and evolved in pursuit of a very specific goal... In the town of Blackbury, rag and bone man Ron is amazed to discover that his carthorse, Johnno, can talk. Will their relationship be forever changed by the adventure they share together? These stories don't share too much in common beyond being about animals, but they are a nice sample of Pratchett's writing from two interesting points in his career: towards the end of his early phase of children's stories for newspapers, not long after his first novel was published; and at the height of his early fame - the year, in fact, that he published five novels. You can find “Hollywood Chickens” most readily in A Blink of the Screen, and “From the Horse's Mouth” in A Stroke of the Pen. Do you have a favourite Pratchett short story? What do you think of the way he writes animals? Should we have inserted an ad for Maggi noodles into this episode? What are your best horse pun names, and how would you get to the other side? We'd love to hear from you whether you're a horse, chicken, human or have mutant powers: join the conversation for this episode via email, or by using the hashtag #Pratchat81 on social media. Dr Laura Jean McKay (she/her) is an author, poet* and an Adjunct Lecturer in Creative Writing at Massey University. Her novel The Animals in That Country - “like Thelma and Louise with a woman and a dingo” - has won multiple awards, including the Arthur C Clarke Award. Her latest book is the short fiction collection Gunflower, published in 2023. You can find Laura as @laurajeanmckay on Twitter and Instagram, and find out more about her books on her website, laurajeanmckay.com.au. * Even if she doesn't know it. You'll find full notes and errata for this episode on our website, and you can hopefully still get tickets for Guards! Guards! at the Roleystone Theatre in Perth, which opens on 22 November 2024. Next episode we're back on track to crack the Clacks in the most recent Discworld board game: Clacks! If you have questions about this game recreating the race between Moist and the Grand Trunk company, get them in to us ASAP by tagging us or using the hashtag #Pratchat82 on social media, or emailing us at chat@pratchatpodcast.com.

The Gospel of John | No Competition Sermon Notes

The Gospel of John | No Middle Ground Sermon Notes

Are you and your spouse on the same page when it comes to what retirement is going to look like? If not, it's time to talk. Listen to this episode where we'll explore why it's so important for couples to have detailed conversations about their finances and retirement futures. We'll cover exactly what you need to discuss, and how to handle any disagreements.   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.     Mark: Are you and your spouse on the same page when it comes to what retirement is going to look like? If not, it's time to talk. So check into this episode where we explore why it's important for couples to have detailed conversations about not only their finance, but their retirement futures and their dreams, this week on Retirement Planning, Redefined.   What's going on? Welcome into the podcast. Thanks for hanging out with John, Nick, and myself as we talk investing, finance and retirement. And we're going to go to couples therapy this week here on the podcast a little bit, or maybe we'll make it more manly, I guess, and call it a team sport.   However you want to look at it, you want to be on the same page with your spouse, with your loved one when it comes to retirement. I wanted to talk a little bit about that this week, guys, to see how many people generally are on the same page by the time they sit down with professionals like yourselves, financial professionals, or if it's happening a lot in real time, right in front of you. So we'll get into it this week.   What's going on, John? How are you bud?   John: Hey, I'm doing good. How are you?   Mark: Doing pretty good, hanging in there. Looking forward to chatting about this a little bit.   Nick, I hope you're well.   Nick: All good.   Mark: All good as usual. Well, that's very good.   Nick: Good start to the season for the bills, so I'm happy.   Mark: All right, well there you go.   Nick: It's early. It's early, but...   Mark: My lions, my lions are all right for right now. We'll see. I don't have a lot of hope. 40 years doesn't bode well when you have one good season in 40 years, but we'll see.   Nick: I get it, [inaudible 00:01:33].   Mark: All right, so let's dive into this couple stuff here. Why is it important for couples to work together on their retirement plan? I mean, you come in, somebody sits down for the first time with you guys for a consultation, and they're just not even remotely on the same page. That's got to be a bit more problematic, yeah?   Nick: Yeah. Not being remotely on the same page is tricky. I would almost say we probably, at least for John and I, we probably don't run into it too much where they're completely on separate pages.   Mark: Well, that's good.   Nick: I would say that there tend to be different ways that they think about money and kind of communicate about money. To be honest, that's one of the reasons that I would say that John and I like working together as a team with clients is because oftentimes one of us will kind of pick up more on the vibe that one of the people in the relationship is on, and then vice versa the other way around.   And so I'd say it's pretty rare that people in a couple tend to think about finances the same way. Even though they might end up having similar goals on the backside, they kind of attack it a little bit differently. And really it's, I think we joke sometimes, I think at this point we're 80% therapist, 20% financial advisors.   Mark: Right.   Nick: And really it's just trying to get people closer to the same page, and realizing that a lot of the things that they're talking about are pretty similar and they're just going about different ways to attack that.   Mark: Well, John, to expand on that, when somebody sits down for the first time, do you guys, if they haven't really discussed some of those big issues, is it important that they maybe try to knock some of that out before they come in to see an advisor? Or does it not really matter as long as it's getting done?   John: Yeah, I don't think it really matters. I think sometimes they're not even really sure exactly what to be knocking out prior. So to delay meeting with someone just to try to figure out, "Hey, are we on the same page?", I don't think makes sense. I think what tends to happen in our meetings is we'll ask some questions that kind of get them thinking a little differently. Like, "Oh, I didn't think about that." And ultimately, I think what we do when we do our planning, they tend to have some things come out and then they tend to kind of understand where the other one's coming from and that kind of lines up.   Mark: Yeah. Well, I mean, I talk to advisors all across the country and I certainly hear stories often about people saying, one person will say something and the spouse will go, "Since when? I never heard of that."   Nick: It definitely happens sometimes for sure. I would say almost that tends to be more on the lifestyle side of things.   Mark: Okay, all right.   Nick: Versus almost purely financial.   Mark: Like "I want to go scuba diving in every major ocean or something." And the other one's like, "What?"   Nick: Yeah, when the husband pulls, "I want to drive across country in the RV" card, that's where I've seen a lot of the sideway looks where... My parents are a good example, it's like my dad doesn't like to drive to Publix, but then he said he wanted to drive-   Mark: Across the nation.   Nick: ... In an RV, because that's going to be more relaxing. And I remind him that a thousand miles is a lot worse than five. So there's things like that absolutely. How to spend that time, or even just the extra time together. I've almost seen it where it tends to be a little bit of a smoother process for couples when one person retires first, and maybe there's a year or two lag, where they kind of have a little bit of a staggering on spending an extra 50 hours a week together, which can be a little bit of a shock.   Mark: Sure, yeah, it's a totally different animal. Yeah.   Nick: Yeah, a totally different ballgame. So I would say from at least my experience with clients, it tends to be more in the lifestyle side of things. What I've seen most often with couples are it's rare that it's a 50/50 input on finances.   A lot of times I'll see it where one person might be a little bit more strategic on expenses, and then the other one might be a little bit more focused on the actual investments, things like that. But they end up being kind of having the same goal or outlook, but the lifestyle and how they're going to spend their time in retirement and how much they're willing to spend to do those sorts of things tends to be a little bit different.   Mark: All right, John, well let me throw this one your way. So my wife and I are not usually on the same page when it comes to certain different things in a relationship, like most couples. And when it comes to risk, we are completely different.   So how can couples navigate if they are in different places risk-wise? Because let's be honest, I mean the statistics are what they are. Typically, us fellas tend to want to take a little bit more risk, and a lot of times the ladies tend to want to play it a little safer. Not always, but that's kind of the average.   So how do you guys handle that and what's some advice there?   John: So we'll do risk tolerances for each client when that comes up. And we we'll find that someone, again, might be more aggressive than the other, so maybe their accounts are invested, maybe a moderate where someone else's, the spouse might be invested conservative. So that, having separate accounts makes that a little bit easier.   It becomes more difficult when it's the, a joint account. And what we'll do at that standpoint is we kind of go back to the plan. So a lot of the times it's what type of rate of return are we trying to achieve from the planning standpoint. We kind of have conversations, and we'll try to blend the two of them together.   I'd say for the most part, I don't want to speak for Nick, but he could jump in, have never really had this come up as an issue. It's kind of like, "Hey, this is how you want to do it. This is how this other person wants to do it." And for the most part, the spouses are okay with it as long as they're achieving their goals.   Mark: Interesting.   Nick: For the clients that tend to be, for the ones that have a little bit more of that risk appetite, we found through conversation that they have the risk appetite when things are good.   Mark: Sure. Everybody likes it when it's up, right?   Nick: Yeah, for sure. And not necessarily when things are bad. And so we're big fans of almost having, for lack of a better term, like a petty cash drawer or just kind of a smaller investment account that will carve out. So when there are clients that want to have that higher risk appetite, want to take opportunities to really kind of get some big upside.   Mark: So that's your speculative casino type money, right?   Nick: Yep.   Mark: If you will.   Nick: Yup, yup, exactly. And really too, because I would say the majority of our clients are pretty close to retirement or in retirement, they tend to, at least in our experience, be a little bit over that phase with any sort of larger amounts of money. Oftentimes they come to us and they're like, "All right, we had our fun and we're ready to be a little bit more in line on the risk side of things with the investment decisions that we're making." And oftentimes when we have that conversation of, "Hey, if you get an itch, let's have this off to the side and it'll help you make better decisions with the rest of the money." That tends to be kind of a winner for everybody.   John: No, I was going to say, yeah, that's kind of what we reference sometimes as a cave, this is kind of your play account where you want to buy some individual stocks and things like that, where the fluctuation won't really make a big impact overall on your plan. So as Nick mentioned, that kind of satisfies some of the very aggressive clients.   Mark: Okay. Well, so you mentioned the fact a second ago that a lot of your clients tend to be nearing or into retirement, and with a different demographic comes different feelings and mindsets about money.   So with that in mind, we tend to find that, which is really weird if you think about it this way, a lot of times you tend to find that in couples, going through the life, building of the life, raising the children, blah, blah, blah, blah, blah, typically the wife tends to budget the money, handle the money, so on and so forth. She's doing all that stuff in the house. But when it comes to retirement, it tends to seem like us guys tend to take the lead there.   Is it okay for one person to handle all the financial matters? Or do you guys really prefer that both people have a good understanding, even if it's not your bag, do you still prefer them to have a general, I don't know, 10,000 foot view of what's going on?   Nick: Yes. I would say too, more and more that, again, from our experience, and maybe it's our clientele where you've got a lot of households that are both people work, both have retirement accounts, and although they may make some differences from the perspective of risk in their portfolios and stuff like that, it tends to be a collaborative effort. Again, I would say we have, anytime we do planning, we have clients fill out an expense worksheet. It's rare that they both fill it out. It's usually one of the two that are filling out the expense worksheet.   And so it does tend to get kind of broken up a little bit from who focuses on what. But it's definitely important that they're both on the same page and have a good grasp and an understanding. And I would say too is the easiest example of that, and the people that work with us kind of know this is there's one report that we go over with clients, it's like a cashflow. It's in detail, wall of numbers, lots of columns, can be kind of intense. And then there's an area called the decision center, which takes all those columns and it puts it into kind of a graph format and it's more interactive.   And I think that's kind of almost the best illustration of the different sides of the brain where one person in the couple sometimes likes the details and likes the column report and they like to, because they can go in on their client side of the portal and go through that and re-review it. And the other one is, "Hey, let's zoom out. Give me the broader picture. Are we good? Are we not good? Give me an idea of a couple of decisions that we need to make moving forward and let's go from there."   Mark: And there's no right or wrong to either one, it's just what is your personal appetite? But I think neither, like if both of you don't have a good understanding, John, that's a recipe for trouble later on too.   John: Yeah, no, I'd agree with that. It's important for both to at least have an idea of what's happening and working as a team, whether one takes a lead and one takes a backseat, we encourage everyone to have a general understanding. Because this past year has been interesting where I've had some clients have some health issues, pass away. And you got to make sure that both pistons are aware of what's happening because you don't want that situation where it's like, "Hey, I don't know where anything is. What do I do?" So [inaudible 00:11:43].   Mark: That's exactly the point, right? Yeah, that's the worst case scenario. And it often, it happens more times than people realize. So you both want to have a decent understanding, even if it's not your thing. And again, no gender roles there. It tends to be the case, but I mean, my wife is way smarter than I am, and she actually deals with, she's very analytical and deals with money and numbers all the time for work. And it's one of those things where when it comes to our retirement, she's like, "I don't want to deal with it. So you deal with it."   And it could just be as simple as, "I deal with numbers all the time, I don't want to deal with it yet another way." So no matter what it is, you find a way to make it work, but not having a decent understanding of what you have, and why you have it and who to turn to in the event of a catastrophe, is a recipe for disaster. So obviously if you're working with a financial professional and a team like the guys at PFG Private Wealth, then at least you also have that resource to turn to when something does happen like John just mentioned.   So one final question here, I'll let you both kind of jump in and chime in a little bit here. What final piece of advice would you give to couples who are maybe just beginning their retirement planning journey, when it comes to making sure that they both are feeling comfortable?   Nick: I think it depends on what phase they are in life, but in general, I think it's hard to screw it up long-term, if you're saving money. So even if you are very conservatively saving the money and you're not getting much return on your money, that kind of instills an ingrained habit of saving money and being used to living on the rest. That will lead you to better habits and better outcomes.   You can always take the next step in, whether it's working with an advisor, whether it's doing research by yourself and then making better and smarter decisions on how you invest that money that you saved. That tends to be kind of the easier part. But the behavior of saving that money first and then going from there, is the number one thing, I think that's important.   Mark: Okay. That's his advice there. What do you about you, John, what do you think?   John: Yeah, it's really similar. You can never go wrong saving. And it's really just kind of the words that just get started. Just get started saving, just get started planning, get started with any of it. Whether you have kids, you want to make sure that estate documents are in place, insurances are in place.   So depending on what phase, it's just a matter of getting started with the overall planning, and saving is definitely where you want to be the forefront. Because like Nick said, you can't go wrong. You're never going to be mad looking back saying, "Man, I saved way too much for retirement."   Mark: Right, exactly. Taking the forward steps and doing something to quote the rush song, right? If you choose not to decide, you still have made a choice. So don't make that choice to do nothing. Do something for yourself and your future self and get started today. Make sure that you are planning for retirement and having conversations with your loved ones so that you guys are on the same page.   And of course, as always, if you need some help, make sure that you get onto the calendar with qualified professionals like the team at PFG Private Wealth. You can find them online at pfgprivatewealth.com. That's pfgprivatewealth.com to get yourself some time on the calendar to sit down with John and Nick and get started today.   This has been Retirement Planning, Redefined. Don't forget to subscribe to the podcast on whatever major podcasting platform app you like to use. They're on all of them. So you can just type in Retirement Planning, Redefined in the search box, or just go to pfgprivatewealth.com.   We'll sign off for this week. For John and Nick, I'm your host Mark, and we'll catch you next time.

The passing of the legendary ‘Johnno' has cast a long shadow across Mayo, the West of Ireland and the GAA world this week.Mike is joined by Edwin McGreal, Martin Carney, Andy Moran and Stephen Drake to talk about John's life and his legacy, and why he will always be remembered as both one of the great Gaelic football managers and a gentleman.

John O'Connor is the chief dude of Wine for Dudes. The owner operator of the very successful and totally unique Margaret River wine tour company. Johnno name is like folklore and travelling with him through the region is a trip you, just, MUST take! https://www.winefordudes.com/ SUBSCRIBE TO OUR NEWSLETTER FOR EXCLUSIVE ARTICLES, NEWS, GIVEAWAYS AND BEHIND THE SCENES https://deepintheweeds.us6.list-manage.com/subscribe?u=d33e307cf7100cf947e2e6973&id=d17d8213f5 Follow Over a Glass https://www.instagram.com/overtheglasspod  Host Shanteh Wale https://www.instagram.com/shantehwale/?hl=en Executive Producer Rob Locke https://www.instagram.com/foodwinedine/ Executive Producer Anthony Huckstep https://www.instagram.com/huckstergram/ LISTEN TO OUR OTHER FOOD PODCASTS https://linktr.ee/DeepintheWeedsNetwork Over a Glass is a wine & drinks podcast with Shanteh Wale exploring the personalities, stories and landscape of the wine and drinks business. An Australian Wine and Drinks Podcast from the Deep in the Weeds Network.

After another frustrating weekend of umpiring Johnno, Gerard and Kane share their thoughts on the men in green and what the AFL are doing with them. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does Johnno have to say about "impressive" young North Melbourne defender Charlie Comben? Learn more about your ad choices. Visit megaphone.fm/adchoices

What hairy questions has Gerard got in store for this week's edition of 'Yes/No with Johnno'? Learn more about your ad choices. Visit megaphone.fm/adchoices

Western Bulldogs legend Brad Johnson joined Gerard and Kane to speak about the state of umpiring at the moment, Fremantle's premiership chances in 2024, Charlie Comben's form, Jack Viney vs Jarrod Berry on Friday night, the 'Footy Fan Survey', what he'd be saying if he was coaching Hawthorn, the race for the top eight, and more. He also named his Rolling All-Australian team and Gerard had plenty of questions for him in 'Yes/No with Johnno'. Learn more about your ad choices. Visit megaphone.fm/adchoices

Wey mon!! Join me WMD Mick Wall and him Little Jonnie Googly Rotten as we turn our critical attention to the latest AC/DC tour - AND the sublime one-night-only performance of former Quireboy Spike on his stories and songs tour. PLUS some other really cool stuff I can't remember cos I never can tbh. What am I like eh? No fucking short term memory whatsoever. Worra laff... New podcast episode Hosted on Acast. See acast.com/privacy for more information.

Gerard has some very important questions to ask Johnno tonight, how do you think he'll handle them? Learn more about your ad choices. Visit megaphone.fm/adchoices

Johnno's in the hot seat as he names his rolling All-Australian team after Round 15, who do you think is stiff to be out of the side? Learn more about your ad choices. Visit megaphone.fm/adchoices

Western Bulldogs legend Brad Johnson joined Gerard and Kane in the studio to speak about Essendon's impressive form, the way players are throwing the ball, Port Adelaide's struggles, Patrick Dangerfield's tribunal hearing, players he hated until he met them, and more. He also named his rolling All-Australian team and Gerard had plenty of questions to hit him with in 'Yes/No with Johnno'. Learn more about your ad choices. Visit megaphone.fm/adchoices

Gerard's editorial on how umpires can crack down on illegal handballs was followed by a discussion with Kane about the matter at the top of tonight's show, and their next topic was Patrick Dangerfield's tribunal hearing last night. Fox Footy's David Zita called in to chat about how he saw Dangerfield's hearing, and after taking some calls, they were joined by Brad Johnson in the studio. Johnno had lots of topics to get through, and his rolling All-Australian team was followed by 'Yes/No with Johnno'. Tom Decent was their next guest, and he spoke about Australia's greatest Olympic moments, and they finished off by chatting sport and the media with AFL Record editor Ash Browne. Learn more about your ad choices. Visit megaphone.fm/adchoices

Western Bulldogs legend Brad Johnson joined Gerard and Kane in the studio to speak about last night's Australian Football Hall of Fame celebrations, the next player to be inducted to legend status, the race for the top eight, how we rate players who get tagged, the leader for mark of the year, and more. He also went through his Rolling All-Australian team, and Gerard had plenty of questions for him in 'Yes/No with Johnno'. Learn more about your ad choices. Visit megaphone.fm/adchoices

What changes does Johnno have to his 2024 rolling All-Australian team after the weekend's footy? Learn more about your ad choices. Visit megaphone.fm/adchoices

What questions does Gerard have for Johnno this week? Learn more about your ad choices. Visit megaphone.fm/adchoices

Western Bulldogs legend Brad Johnson joined Gerard and Kane in the studio where he spoke about Jack Crisp and the 2012 draft, Adelaide's injury issues, Marcus Bontempelli and the Bulldogs, the fixture regarding the bye, tagging, the potential return of international rules, and more. He also went through his Rolling All-Australian squad, and Gerard hit him with another big edition of 'Yes/No with Johnno'. Learn more about your ad choices. Visit megaphone.fm/adchoices

Gerard's editorial on Jack Crisp and why's the unluckiest current player not to have an All-Australian selection was followed by a chat with Western Bulldogs gun Ed Richards, and after he confirmed his return to the side against Fremantle this weekend, Gerard and Kane were joined by Bulldogs legend Brad Johnson in the studio. Johnno finished his weekly segment with his rolling All-Australian team and 'Yes/No with Johnno', and the boys then caught up with AFL Record editor Ash Browne in the studio. Lastly, Kane spoke to Aussie long distance runner Julian Spence regarding the controversial marathon runner selection for the Paris Olympics. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Smiling Assassin. From his record breaking 364 games at the Bulldogs, he regularly cut teams apart with 558 goals... all with a gigantic smile.  This episode is all about positivity, good energy, hard work, following your passions and your dreams and not reaching the ultimate glory, but still being content.  Plus, some motorsport, media, being an entrepreneur and more. Oh, and Gary Moorcroft's mark as well as getting hit by a golf cart.  This one, will put a smile on your dial! Johnno is now doing amazing things off the field, together with his wife Donna, they have developed the Zena Sport Female Impact Vests, head to Zena Sport NOW and check them out! A huge thanks to Johnno, as well as Stef Rezzara from Hot Shot PR for making this episode possible! ***  Follow the Howie Games on Instagram: https://www.instagram.com/thehowiegamespod/  Follow the Howie Games on TikTok: https://www.tiktok.com/@thehowiegames See omnystudio.com/listener for privacy information.

The Smiling Assassin. From his record breaking 364 games at the Bulldogs, he regularly cut teams apart with 558 goals... all with a gigantic smile.  This episode is all about positivity, good energy, hard work, following your passions and your dreams and not reaching the ultimate glory, but still being content.  Plus, some motorsport, media, being an entrepreneur and more. Oh, and Gary Moorcroft's mark as well as getting hit by a golf cart.  This one, will put a smile on your dial! Johnno is now doing amazing things off the field, together with his wife Donna, they have developed the Zena Sport Female Impact Vests, head to Zena Sport NOW and check them out! A huge thanks to Johnno, as well as Stef Rezzara from Hot Shot PR for making this episode possible! ***  Follow the Howie Games on Instagram: https://www.instagram.com/thehowiegamespod/  Follow the Howie Games on TikTok: https://www.tiktok.com/@thehowiegames See omnystudio.com/listener for privacy information.

Western Bulldogs legend Brad Johnson joined Gerard and Kane in the studio to speak about going back with the flight of the ball, the race for the top eight, the Bulldogs' form, the players who 'just don't muck around', the match-up between Harry and Ben McKay this weekend, and more. As always he went through his Rolling All-Australian squad, and Gerard had plenty of questions for him in 'Yes/No with Johnno'. Learn more about your ad choices. Visit megaphone.fm/adchoices

True to form, there is plenty of smiles in this Player Profile. That is exactly what this episode is all about.  Get to know one of the most positive, fun loving, hard working, happy sports people turned sports broadcaster, turned entrepreneur's on the planet!  Before you get into it, if you, or a loved one could benefit from Brad and Donna Johnson's Zena Sport Female Impact Vest, head to Zena Sport NOW! A huge thanks to Johnno, as well as Stef Rezzara from Hot Shot PR for making this episode possible! ROLL IT!See omnystudio.com/listener for privacy information.

JB is moving house, and Hughesy is not happy with the office carpark.  Hughesy rips through the All Sports Report, then Jay Clark comes in with all the headlines ahead of round 10 - including fixture and salary cap news. Ibrahim and Johnno face off in a very competitive Hump Day Quiz, before Stuart from Officer has a crack at $10k with Guernsey Cash. JB and Hughesy compare their best and worst celebrity interviews, then Western Bulldog Cody Weightman is in studio to talk all things Doggies - and playing through a dislocated elbow. We go back to 2017 for part two of our Idiot File Flashback, and Hughesy finishes us off (maybe permanently) with a Fruity Wednesday Joke.See omnystudio.com/listener for privacy information.

Our Monstrous Regiment episode still isn't quite ready, so we've had to push it to April. In the meantime, Ben gets nerdy about some recent Discworld and Pratchett news about books and roleplaying games. A few brief notes: “50 Years of Terry Pratchett” was actually announced in November 2021, marking fifty years since the publication of The Carpet People in 1971. (In Ben's defence, those early pandemic years all blur into one.) It kicked off with a new print and audiobook edition of that book; the new audio version was read by David Tennant! The new Discworld audiobooks and paperbacks from Penguin were published between 2022 and 2023, though the audiobook of Hogfather was released early for Christmas 2021, using the same artwork as the 25th anniversary paperback edition. For more on the books released as part of 50th anniversary celebrations, see the L-Space wiki “50 Years of Terry” article. You can check out the cover design for the new edition of The Last Hero on the Gollancz website. The new paperback edition of Eric was published on 23 February 2023. The new audiobook, read by Colin Morgan, had been previously released with the other Wizards books on 7 July 2022. The Collector's Library edition of Dodger can be seen in the terrypratchett.com announcement. You can see the “Forty Years of Discworld” logo at terrypratchett.com. The “Year of Discworld” was announced on the day of the fortieth anniversary, promising “more on that soon”. Both the terrypratchett.com announcement and Modiphius announcement for Terry Pratchett's Discworld: Adventure in Ankh-Morpork include links to Modiphius' fan survey (it's a Google form). Modiphius also has a mailing list you can sign up to for more news. Ben forgot to mention this, but Modiphius' license is for Discworld “tabletop games”, including board games. No news on those yet, though! We'll be back with #Pratchat76, our proper Monstrous Regiment episode on 8 April. Then in May we'll be reading “Hollywood Chickens” (which you can find in A Blink of the Screen) and “From the Horse's Mouth” (from A Stroke of the Pen, or in earlier form as “Johnno, The Talking Horse” in The Time Traveling Caveman and Other Stories) with guest Laura Jean McKay. Send in your questions about those stories via email, or using the hashtag #Pratchat77 on social media.

This week there sadly isn't a video episode because Jordan is getting a trim at Legoland so instead we thought we'd treat you to a best of the best special.Featuring hilarious throwback stories our day one listeners will remember from the likes of Mike Phenix, Nicky Adams, Danny Higginbottom and more! Like when Danny Higginbottom revealed Tony Pulis used to drop his Stoke City players if it was too windy. Or the time when Stockport County manager Jim Gannon refused to do a SkySports post match interview because they hadn't come around to his house to fix his Sky TV box. And finally what it was actually like working for the class of 92 when Johnno & Bernard managed Gaz & Jordan at Salford City. If you're a fan of our non-league episodes then you're in the right place!

Our Monstrous Regiment episode won't be ready until later in the month, but we didn't want to let International Women's Day pass without some kind of comment. So here's a mini episode in your feed recommending some other Pratchett and Discworld podcasts hosted by women and non-binary folks. Here's a list of the Discworld podcasts Ben mentioned: The Truth Shall Make Ye Fret, hosted by Francine Carrel and Joanna Hagan. They covered Monstrous Regiment over three episodes in April 2023: “[REDACTED]”, “The Implication of Hippo” and “Gender is a Fake Drug”. You can support them on Patreon. Disc Coverers, hosted by Iris Jay, Grace Lovelace, Balina Mahigan, and Juniper Theory. Nanny Ogg's Book Club, hosted by Tessa Swelha and Nigel. Their Monstrous Regiment episode was in September 2023. Teaching My Cat to Read, hosted by Eli, M, Ro and Lotti. You can support them on Ko-Fi. Fiction Fans, hosted by Sara and Lily. You can support them on Patreon. Other links from this episode: Our wiki indexing Discworld podcasts is the Guild of Recappers and Podcasters. There's a page for Monstrous Regiment listing all the episodes discussing it. The Melbourne-based charity is independent feminist organisation the Victorian Women's Trust. They've produced their own podcasts, including Money Power Freedom, which was co-hosted by Cal Wilson. We won't link to it, but don't go to internationalwomensday.com; instead you want the official UN Women site, unwomen.org. Our April episode, #Pratchat77, will be with guest Laura Jean McKay, author of The Animals in That Country. We'll be discussing the short stories “Hollywood Chickens” from A Blink of the Screen, and “From the Horse's Mouth” from A Stroke of the Pen. An earlier version of “From the Horse's Mouth” is “Johnno, the Talking Horse”, which was collected in The Time-Travelling Caveman and Other Stories, and in deluxe editions of The Witch's Vacuum Cleaner and Other Stories.

The episode where Lindsey brings us some true crime - some conman true crime! Yes, it's another story with no murder! Meet John Darwin, and his wife, Anne. John meets Anne. John gets in debt. John goes missing and is declared dead. Anne gets looooots of life insurance money. Motive seems to be clear…until five years later when John shows up with “amnesia”. This story is wild, made more fun by how simple this is - a beard and Google really are all it took to crack the case. www.thetipsyghost.com  Find us on Facebook, Instagram, Twitter, and TikTok  @thetipsyghost  Email us your stories at thetipsyghost@gmail.com  Show your support when you subscribe, leave a great review, & give us a 5 start rating— it really helps!

Descubre los secretos de Apple en un episodio revelador de AppleX4, donde la pasión por la innovación se encuentra con la inspiración. Con nosotros, John de CharlasIOS, un pionero en el análisis y la divulgación tecnológica, nos lleva en un viaje por el corazón del ecosistema Apple, desvelando cómo la pasión por estos productos puede convertirse en una fuente de creatividad y cambio. Lo que encontrarás en este episodio: Orígenes de una Pasión: La historia única de John y su camino hacia convertirse en una voz influyente en la comunidad Apple. Momentos Transformadores: Experiencias que cambiaron el juego para John, marcando su visión sobre la tecnología. Apple Vision Pro a Fondo: Una exploración profunda de las capacidades del Vision Pro y su impacto en nuestra interacción con el mundo digital. Equilibrio entre Innovación y Vida: Estrategias de John para navegar entre su pasión por la tecnología y un estilo de vida equilibrado. Crea como un Experto: Consejos prácticos y herramientas esenciales para aquellos que buscan dejar su huella en el mundo del contenido digital. Además, no te pierdas la respuesta de John a la pregunta sobre el futuro del Apple Vision Pro y su visión sobre la evolución tecnológica. Únete a nosotros en "CharlasIOS Desvela: Innovación Apple con John" y sé parte de una comunidad que mira hacia el futuro con curiosidad y emoción. Disponible ahora en Spotify y Apple Podcasts.

Want to know who our Valentine's are this year? You guessed it--Brendan Rooney + Johnno Wilson! And the boys are here to chat with us about this special V-Day day and share plenty of love. We open up about our secrets to a great relationship, and what we do to celebrate the occasion. Plus, Anneliese and Johnno finally tell us about the moment Johnno proposed--and it will make your heart MELT.  Have the ladies ever been swingers?!? What do Christy and Anneliese look for in their partners? Is Johnno actually good at improv? Tune in now!  Follow Brendan @thebrendanrooney on Instagram. Follow Johnno at @johnnowilson on Instagram and TikTok. Follow us at @BigNameBitches on Instagram and TikTok, and subscribe on YouTube. Follow Christy Carlson Romano at @thechristycarlsonromano on Instagram and @christycarlsonromano on TikTok. Follow Anneliese van der Pol at @anneliesevanderpol on Instagram and @anneliesevdp on TikTok. You can watch the video version of this podcast on YouTube. Mocktail Recipe: ‘If You Like Pina Coladas…' 2.5 Bailey's Non Alcoholic  5 Chunks of Frozen Pineapple 0.75 oz Lime 0.75 oz Simple Syrup Place all ingredients into a blender and blend with some crushed ice. Garnish with two pineapple fronds.  Find our mixologist LP O'Brien @lpdrinksdc on Instagram, and check out her website at https://www.lpdrinks.org Learn more about your ad choices. Visit podcastchoices.com/adchoices

Want to know who our Valentine's are this year? You guessed it--Brendan Rooney + Johnno Wilson! And the boys are here to chat with us about this special V-Day day and share plenty of love. We open up about our secrets to a great relationship, and what we do to celebrate the occasion. Plus, Anneliese and Johnno finally tell us about the moment Johnno proposed--and it will make your heart MELT.  Have the ladies ever been swingers?!? What do Christy and Anneliese look for in their partners? Is Johnno actually good at improv? Tune in now!  Follow Brendan @thebrendanrooney on Instagram. Follow Johnno at @johnnowilson on Instagram and TikTok. Follow us at @BigNameBitches on Instagram and TikTok, and subscribe on YouTube. Follow Christy Carlson Romano at @thechristycarlsonromano on Instagram and @christycarlsonromano on TikTok. Follow Anneliese van der Pol at @anneliesevanderpol on Instagram and @anneliesevdp on TikTok. You can watch the video version of this podcast on YouTube. Mocktail Recipe: ‘If You Like Pina Coladas…' 2.5 Bailey's Non Alcoholic  5 Chunks of Frozen Pineapple 0.75 oz Lime 0.75 oz Simple Syrup Place all ingredients into a blender and blend with some crushed ice. Garnish with two pineapple fronds.  Find our mixologist LP O'Brien @lpdrinksdc on Instagram, and check out her website at https://www.lpdrinks.org Learn more about your ad choices. Visit podcastchoices.com/adchoices See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

John 14:1-11 | This is the beginning of Jesus’ pre-arrest farewell speech and the part where he famously declares that He alone is THE Way… THE Truth… and THE Life.

We're BACK with another I Had Trials Once episode and it's a belter!Jordan & Gaz are joined by former FC United, Ramsbottom, Chester and Stalybridge goalkeeper Grant Shenton.The boys discuss everything from Troy Deeney's recent sacking and how much worse gets said in non-league, as well as what life as a non-league player is actually like!They then talk bust ups with the fans, signing on fees and being the only player not to be taken to Salford City with Bernard and Johnno.If you're wanting some classic non-league stories, then look no further! 

Who knew your TV ex-husband could turn into the man of your dreams?! We have a VERY special guest this week, Johnno Wilson! Johnno is an actor, comedian and writer who has starred in I Love That For You, Curb Your Enthusiasm, and of course, Raven's Home where he met his future girlfriend, Anneliese! When he's not on TV you can find him going viral on TikTok with his hilarious celeb impersonations and comedy sketches! We're talking angry golf wives, role play, the Pete Davidson obsession, and why Johnno broke up with his girlfriend once he met Anneliese! No topic is off limits, duh. What does Christy want to say to Keke Palmer? How does Johnno channel his inner Marky Mark? Why was Anneliese kind of a b*tch at the Raven's Home wrap party?! Tune in now! Follow Johnno at @johnnowilson on Instagram and TikTok. Follow us at @BigNameBitches on Instagram and TikTok, and subscribe on YouTube. Follow Christy Carlson Romano at @thechristycarlsonromano on Instagram and @christycarlsonromano on TikTok. Follow Anneliese van der Pol at @anneliesevanderpol on Instagram and @anneliesevdp on TikTok. You can watch the video version of this podcast on YouTube. Disclaimer: This content was produced prior to the recent SAG-AFTRA strike authorization. Learn more about your ad choices. Visit podcastchoices.com/adchoices See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Who knew your TV ex-husband could turn into the man of your dreams?! We have a VERY special guest this week, Johnno Wilson! Johnno is an actor, comedian and writer who has starred in I Love That For You, Curb Your Enthusiasm, and of course, Raven's Home where he met his future girlfriend, Anneliese! When he's not on TV you can find him going viral on TikTok with his hilarious celeb impersonations and comedy sketches! We're talking angry golf wives, role play, the Pete Davidson obsession, and why Johnno broke up with his girlfriend once he met Anneliese! No topic is off limits, duh. What does Christy want to say to Keke Palmer? How does Johnno channel his inner Marky Mark? Why was Anneliese kind of a b*tch at the Raven's Home wrap party?! Tune in now! Follow Johnno at @johnnowilson on Instagram and TikTok. Follow us at @BigNameBitches on Instagram and TikTok, and subscribe on YouTube. Follow Christy Carlson Romano at @thechristycarlsonromano on Instagram and @christycarlsonromano on TikTok. Follow Anneliese van der Pol at @anneliesevanderpol on Instagram and @anneliesevdp on TikTok. You can watch the video version of this podcast on YouTube. Disclaimer: This content was produced prior to the recent SAG-AFTRA strike authorization. Learn more about your ad choices. Visit podcastchoices.com/adchoices

301: Ben Buckingham | State Running Meets | World Athletics Team Announcement   Cushioning or performance? Take both. The Cloudstratus 3 evolves a legend with an updated Speedboard, even softer cushioning and innovative new design features - all added to double CloudTec cushioning to double the comfort. Without slowing you down. Visit On.com or your specialty running store to grab your pair today. Ben Buckingham joins in as guest host from his training camp in St Moritz, Switzerland and chats about his new training setup with On Athletic Club Oceania and its global network, missing World Champs as well as his views on the points-based qualification system, then racing a 2000m Steeplechase and where he's presently at with his season. Brad's heart surgery is to be rescheduled to a later, future date. Julian puts in marathon work in the Ballarat 15k on the end of his long run. Brady takes Hudson along for his first fun run while helping manage Johnno's Run. Gemma Maini of Frankston won the Ballarat 15k XCR around Lake Wendouree, ahead of Virginia McCormick for Bendigo and Melissa Duncan for Box Hill. South Melbourne won the Women's Premier Division, ahead of St Stephens and Box Hill. Andy Buchanan was first man across, ahead of Lachlan Herd for Knox and Bendigo teammate Archie Reid. Bendigo Region were the winning team for Men's Premier Division, with Box Hill and Ballarat Region in the following podium spots. https://athsvic.resultshub.com.au/# https://www.youtube.com/watch?v=nXoBsdWf-xs    NSW Road Relays won by Bankstown for the Men and Run Crew for the Women, with the fastest 4km splits by Niamh Allen for Run Crew in 12:38 and Ed Goddard for UTS North. Athletics NSW Report   Abbey Caldwell took out the 1000m National Record in 2:33.63, with previous record holder Linden Hall just behind in 2:35.19 for second and a PB, at the Citius Games in Bern, Switzerland. Carley Thomas was 5th in 2:37.42. Official Results https://runnerstribe.com/latest-news/abbey-caldwell-breaks-the-australian-womens-1000m-record/    Izzy Batt-Doyle and Adrian Potter take out the SA 5km Road State Champs at Fitzy's 5 Fun Run Results   Lauren French runs 1:19:27 and Matt Smith a 1:07:52 to win the Perth Half Marathon and WA State Championship. Perth Half Marathon & 5km Results   World Athletics Championship team announced to represent Australia in Budapest, Hungary from 19-27 August. Women 800m: Catriona Bisset, Abbey Caldwell, Ellie Sanford 1500m: Jessica Hull, Linden Hall, Abbey Caldwell  5000m: Jessica Hull, Rose Davies, Lauren Ryan Marathon: Lisa Weightman, Izzy Batt-Doyle, Sarah Klein Steeplechase: Amy Cashin, Cara Feain-Ryan, Brielle Erbacherl Men 800m: Peter Bol, Joseph Deng, Riley McGown 1500m: Stewart McSweyn, Adam Spencer, Matt Ramsden 5000m: Stewart McSweyn, Morgan McDonald Steeplechase: Matt Clarke https://runnerstribe.com/latest-news/star-studded-australian-line-up-to-aim-high-at-world-athletics-championships/?fbclid=IwAR3RlmzCqDn-h-CBWwmn601NJ0SRowoixvFdxoarv8nDsfubY7XMAEUDx0s    Cara Feain-Ryan wins gold in the Steeplechase Final at the World University Games in Chengdu, China with Georgia Winkcup taking home bronze as well in the same event. Jack Lunn came 8th in the 800m final in 1:49.92, while Tim Vincent and Harrison Bagley finished 23rd and 28th in the Half Marathon respectively. Athletics Australia Report   Listener Question asks the boys who their running idols past and present are then Moose on the Loose proclaims all's fair in love and racing when it comes to men drafting off women.

Have you heard about the multifamily market oversupply that's been increasing since the undersupply during the COVID-19 pandemic? In this episode, Jason chats with John Carlson, President of Mark-Taylor Residential about Insight on the multifamily market oversupply. Mark-Taylor Residential has currently an inventory of 22,000 units and over 34,000 residents, being a multifamily leader in Arizona. You'll Learn... [06:33] What is the Multifamily Market Oversupply? [14:44] The Fundamentals of Real Estate and Property Management [20:05] Why Property Managers Need Their Own Portfolio [25:11] What will Happen to the Market Next? Tweetables “If you're that light, people are going to be reaching out to the light when it gets dark.” “Property managers, they have no concern about being the bad guy. They're totally cool with making sure that things work and running it like a business.” “You have to make sense of the market.” “I think it's a smart move that every property manager should be also building up their own investments.” Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive TalkRoute Referral Link Transcript [00:00:00] Jason: Property managers have a duty to be involved a little bit politically to prevent this firestorm from happening. And this is an opportunity to go and be the canary in the coal mine or be the Paul Revere shouting, from the horse, letting everybody know, Hey, there's a problem coming.  [00:00:18] Welcome DoorGrow Hackers to the DoorGrowShow. If you are a property management entrepreneur that wants to add doors, make a difference, increase revenue, help others, impact lives, and you're interested in growing in business and life, and you're open to doing things a bit differently then you are a DoorGrow hacker. DoorGrow Hackers love the opportunities, daily variety, unique challenges, and freedom that property management brings. Many in real estate think you're crazy for doing it. You think they're crazy for not because you realize that property management is the ultimate, high trust gateway to real estate deals, relationships, and residual income. [00:00:55] At DoorGrow, we are on a mission to transform property management business owners and their businesses. We want to transform the industry, eliminate the bs, build awareness, change perception, expand the market, and help the best property management entrepreneurs win. I'm your host property management growth expert, Jason Hull, the founder and CEO of DoorGrow. Now let's get into the show. [00:01:19] My guest today, I'm hanging out here with John Carlson. From Mark Taylor residential, and I mean, it sounds like you guys are doing some big things. They're in Arizona, they have 22,000 units, 34,000 residents. This is not a small operation, so John, welcome to the show. [00:01:37] John: Jason, good morning everybody. Thanks for having me. Excited to be here.  [00:01:41] Jason: Cool. So we're going to be chatting a bit about multifamily market over supply, which I'm guessing is pretty much what it sounds like. So, but John, maybe give us a little bit of background on you first and how you got into this and your relationship with Mark Taylor and all of this kind of stuff. Give us some backstory.  [00:02:00] John: Sure, brevity matters. So, grew up in the Midwest Southern Minnesota. Farmer by trait with stepfather from age 10 until 18. Realized that was not for me. I'm not the micro dirty jobs kind of guy. You can see. I like the dressed up look. Yeah. So at age 16, I really thought about what I wanted to do in life, and of course didn't know. I was good at math, so I decided to be an electrical engineer. So I went to school for that. Worked for a great small company called vtech for about five years. Was able to finish school while working there and travel the world and discovered Phoenix and realized Minnesota was not long for me and what I wanted to be and do long term. So, chose Phoenix with my girlfriend Megan at the time. Traveled to Phoenix to look at apartments. I think we toured 15 or so apartments in one day. We had the big apartment guide book, if you remember those. Yeah, listeners. So we were feeding through those and there's a big eight fold and it had Mark Taylor communities. So we toured three or four of those and landed on San Cervantes. I always joke with my team, we actually broke into the amenity space because the office was closed, it was past six o'clock. So I just remember seeing this beautiful, resort style pool, sand, beach area, ramada water features. And I'm like, Megan, we have to live here. So, We flew back that night landed. I called the manager, Michelle Sinclair the next day and secured a two bedroom apartment class, a brand new for $940 and a month free concession.  [00:03:28] So we moved a few weeks later and this was just prior to 9/11. Megan had a job. I was scheduled to fly back to Chicago to a final interview with a fuse company. They were opening a satellite office in Phoenix, and that was scheduled on 9/13 2001. Okay. So clearly there were no flights that day. The world was on edge, including me, and they put a hiring freeze on. So I was off to the races with my fax machine and sending out resumes if everyone knows what a fax machine is, right? So, that lasted a few months and lo and behold, Michelle, the manager, came to me and said, Hey, Would you consider part-time leasing while you wait for a position in engineering? And in my fixed mindset, I said, no. I'm an engineer pounding my chest. And a week later I realized I had to pay bills and electricity and all of those things, car payments, so I signed on and never looked back. I fell in love with the organization, real estate, and truly found my home as we like to say. And that's Mark Taylor.  [00:04:27] Jason: Cool. That's quite a story. So it's pretty interesting. And so now what do you do at Mark Taylor? So everybody's clear.  [00:04:34] John: So today I run Mark Taylor as president. As you mentioned, now 23,000 units Class A both Phoenix and Las Vegas. So in two states so, regional but have a pretty good grasp of the market across the country. So, And I think, a lot of us know us nationally from a brand recognition standpoint. We've been in business almost 40 years. So that's Mark Taylor in a nutshell.  [00:04:56] Jason: So, That's awesome. Yeah, it's quite a story to go from starting to help with leasing to being president of the company. I think you skipped a lot of steps in between, but I enjoyed the beginning. So, what was the time gap there just for the audience to understand? [00:05:13] John: So I started leasing in 2002. My girlfriend Megan, moved back to Minnesota a year later. So I was here by myself. So I had a lot of time to figure out leasing real estate in the business. So I just moved my way through the organization. Like I said, I was good at math. I think I always had an appetite for real estate and I just really sunk my teeth into this business. And, as I always tell my new hires and the younger generation folks like lean in on mentors, find the best leaders. I found some great leadership mentors, people that were patient with me Yeah. And building up my skillset including Scott Taylor and Jeff Mark, our founders. And I just felt like that really helped my growth and my pathway and I worked my ass off. And I think, you can never look back and poo work ethic and sure. My mom and my father helped me with that years ago.  [00:06:02] Jason: Yeah. Growing up on a farm, you're going to learn some work ethic. Yeah. Whenever we were bored, my dad would say, we'd learn never to say we were bored because he would put us to work. We'd be working in the yard.  [00:06:13] John: I think I used that word for about 10 years.  [00:06:15] Jason: So I'm never bored. I am creative and I'm never bored, so it doesn't happen. All right, so cool. Well, John it's awesome to connect. So what year did you become president? How long? 2016. Okay. Okay, cool. Yeah, I mean, that's a cool story right there. That's a cool story. So let's get into this topic: multifamily market oversupply. I mean, there's a lot of multifamily stuff going up here in Austin. I'm seeing it pop up everywhere. There's building and building. So, what are you seeing there in Arizona? What are you seeing, maybe you think is happening here in the US and the market?  [00:06:51] John: Sure, let me start with, I'll start with, Phoenix Metro and all this broaden out. So, Phoenix, like most of the country was undersupplied from a multifamily perspective since really 2011. And I think if you just look back at the gfc the greater financial crisis in 2008 and nine and 10 that really I'll say put development in a paralysis type state. And Phoenix specifically was almost like the Black Plague. No one wanted to even think about investing here. And as most of the audience knows, I mean, it takes a long time to, to buy a piece of dirt, zone prep, design, get zoning approvals and get it through the city and actually build a unit that's two to three or four years depending on project type. So it took a long time to build up supply. So being undersupplied for a decade really resulted in a lot of things that we hadn't seen historically in Phoenix or across really the national landscape. So fast forward to the pandemic and we're starting to kind of get our, I'll say druthers in terms of supply. We're starting to get a better balance of that. An interesting data point we were delivering 18 to 22,000 units in the mid eighties in Phoenix, and had never delivered. 10,000 units in a year, past 1987 until last year. So if you think about the population adjustment, 19, just say 95 versus today, that's, almost 2 million people different. So, clearly there was an undersupply component. Fast forward to today and we're delivering and will deliver about 16 to 17,000 units in Phoenix Metro. Again, hadn't delivered past 10,000 units until last year when we delivered just over 13,000. So, yeah, I'll just say the equilibrium was in the landlord's favor, and unfortunately for renters that was costing them in terms of, monthly rent and you add to the field, the tailwind of Covid. Lots of folks came to Phoenix and I call it the Boomerang effect. Although the boomerang never came back, meaning. A lot of folks got to experience Phoenix for the first time, and I think this was a condition across the country. They found great spots where maybe there was a little bit less restriction in the Covid era, if you will. [00:09:04] And there were people coming here from California nonstop saying, God, I really enjoy Phoenix. I'm going to rent a place for six months. My employer's allowing me to be flexible at this point, and I'm going to test this out. And I think a lot of people decided to stay. So, as always, jobs create future apartment demand, but in this instant, if you worked in San Francisco, but you were living here in a six or 12 month lease, we weren't absorbing your job, but we were definitely taking your monthly payment. So, it was unique in that aspect and a lot of things changed from Covid. Obviously we can touch on that later, but expand.  [00:09:34] Jason: Yeah. A lot more remote work. Everything flowed in the nation from places with less freedom to places with more freedom. [00:09:42] John: That's just what one would expect. Yeah. And that's what happened. So I think people got a taste for Phoenix. They realized July and August aren't that bad. Yes, it's an oven for a couple of months, but we're okay. HVAC and other things. So, I think that accelerated what I think people were already starting to figure out that Phoenix was great and I think that happened across the country. So, not only Phoenix, but broadened that out. So across the country, I think there was a similar pattern in terms of lack of development, both in single family, which has to be mentioned because that's a component of our housing shortage and multifamily. So fast forward to today. You had a couple things happen, so you had some momentum in real estate. [00:10:22] You had zero interest rates, essentially that environment for 10 to 15 years, and you started to have all of these developers starting to get their, I'll say, momentum and build units. And of course a lot of Class A units were delivered and are being delivered. And so, what's happening now is you're seeing a surge in that. And part of that has been fueled by delays in construction. So if you think about the covid related supply chain issues, some of that's kind of worked through itself over the last 12 to 18 months, which is good. So inventories are better. Pricing maybe has reprieved a bit, but if you say, supply chain issues, labor issues, which is the biggest component of that you have construction deliveries that are delayed, say three to 18 to 24 months. [00:11:08] So a lot of these deals, the 16,000 units specifically in Phoenix are result of that. Otherwise this would've been delivered prior. So I, I think that's a big component of the oversupply. Which at the end of the day if you go into, I can go down to a bunch of soapbox areas, but if you think about the renter, which is most important to me there should be a nice equilibrium in the market that's the best for all of us, right? [00:11:31] You get about a 3% rent growth, which has been the case since 1982, 3.2% rent growth average by year. That kind of fits with historical cpi. So when you're raising rents 20% or 10% that's not sustainable. I'll just say it that way. So this supply cresting is benefiting the renter for sure. Yeah. Q1 Phoenix was down 3% probably the lowest in the country. And, supply cures a lot of things. I'll say it that way.  [00:11:59] Jason: Yeah. So I mean, everything's, the pendulum's swinging, right? And it's going to move back towards middle or back towards equilibrium. But how do we stop the swings? Because probably, you'll have a bunch of developers, they've been building stuff out because everybody's trying to capture all the opportunity that seems to be happening in all these markets like here in Austin. It's crazy. I'm sure it's crazy in Florida, like all the areas, there's lots of people moving from states that were more, more liberal and more control, and they're moving more towards areas where there's a little bit more freedom financially. And it'll be interesting to see if some of these places, the people that are moving, if they bring their policies with them and if those areas start to shift and change. But some of these areas what you see going on in San Francisco, what you can see going on in California, what you see going on in Seattle. I mean, some of these places do not look like great places to live anymore. Like it's getting chaotic. Sure. Because of some of the policies. So we're going to see a lot of money, I think shift, continually shifting towards these areas of freedom, and as that's happening, are these builders overbuilding? do you think that's going to be happening? That there's going to be too much like, it's like a gold rush?  [00:13:14] John: Sure. Well, I think that ship has mostly sailed because of the interest rate environment. So yeah. I think most of us pick any sector have forgotten how to live in an interest rate environment. We were 0% essentially. So, if you look across the spectrum, I think you're going to see zombie companies, fade away. You're going to see the old adage from really 17 to 21. It's weird to say old, but you had startup companies that were negative cashflow that would not, be able to pay for a printer, but they would just get another round of funding, it's almost like a Ponzi scheme. So I think getting back to some fundamentals from a business more of an institutional business, historical methodology makes sense for the entire market. And I think this will force guys or groups or developers to be much more thoughtful as they go to market or try to build deals, right? It just it's not the wild west or, the top of the bubble. I think fundamentals matter. I think how you think about your business, how you look at, your construction, your development, your cost structures, what rent should be, all of those things are probably okay for guys that have done this the right way for a long time. I think it's the fringe guys that are greedy and are taking advantage of certain market conditions. And that's fine. Everyone has their angle. But I think this will shake out in a way where you get back to some real core guys or core groups that know what they're doing and fundamentally will help shape the future of multifamily the right way. [00:14:44] Jason: So you mentioned the fundamentals. So what do you feel like are the fundamentals that business owners in the property management space should be focused on? That's going to prove to be effective in the long term. I mean, obviously the company that you are president of has been focused on the fundamentals and has been doing well consistently. We've got a lot of listeners that are probably much smaller than your business and what do you think they should take away from and maybe could learn from what you guys are doing at Mark Taylor?  [00:15:18] John: Yeah, I think you know Jeff Mark, Scott Taylor, our founders, taught me a lot of great things about real estate. And if you look at their track record they've never lost a deal or a unit or a dollar in real estate in 38 years of business, which is impressive considering all of the cycles and dynamics of what happens economically. So I think it comes down to when I look at Mark Taylor, we started as a developer, became a manager. Now we consult, we asset manage all of those things. And I think their fundamentals have always kept them in check, right? They've never gotten to a point where, oh, let's be greedy or let's stretch. If you have an investment model, here's your box. Never go outside of that, right? And so, I think back to, 2006, we sold everything we owned except for one deal. [00:16:03] In June of 06 at the peak it was a different environment then. And then we went pencils down post 2007. We built our last deal, San Porte and Tempe, and then hit pause on the other five pieces of dirt. We had a lot of guys just kept going nope, this thing's never going to end. And the first out of the ground in 2011 because we are also a data company, we've been collecting enormous amounts of data since 1985. Yeah. And everything said, tailwind, green light. So, we bought as many pieces of dirt as we could and built the most units from 11 through 15. And it really transformed our business and got us really on the front end of the last cycle. So, I think all of those things happened within our box. And today, we're moving through really the last two deals of our construction pipeline, and we'll probably be on pause or pencils down until the market makes sense again. And I think as simple as that sounds, you have to make sense of the market. So when you're seeing real cap rates below 3%, sometimes, below two and a half in 1920 and 21, you kind of got to scratch your head and say, okay, is that long? That in terms of going through a next 2, 3, 4, 5 years or next cycle. Does that make sense? And the problem with that is if you're not putting in fixed debt or fixed rates and you have guys saying, oh, the music's never going to stop, I'll just put floating rates on these or a three-year arm, that's a problem. [00:17:24] So you're seeing guys that made potentially bad decisions or got outside of their box. Seeing what happens when the market shifts and rates move like they did. No one can control the Fed. And seeing the acceleration of those rates has really created a dynamic where things will start to break. And I think we're seeing that now, or at least those things are percolating.  [00:17:45] Jason: So for the listeners, help them understand at Mark Taylor the how the portfolio works. Are you doing third party or are you owner operators? because you're talking about selling off properties and you're doing management. [00:18:01] So, Give the listeners an idea. We talked about kind of the size of it, but what percentage is stuff that you developed that you've owned or that you own currently and then like that you're managing?  [00:18:15] John: Yeah, great question. So we today, we get really all facets of the business. So our development ownership. So today we have about 5,200 units that are owned and self-managed. So we're about 80% third party. And I think the third party management aspect and also managing your own assets gives us a really nice balance. Yeah. So we're able to, in terms of properties that we own, turn my life back on properties that we own. We get to test new things like centralization and new software, new systems, new methodology. And on the third party side, we get to learn from ownership groups all over the world. We have owners from Japan, Tokyo all over the country large institutions, MetLife, Goldman Sachs, JP Morgan, et cetera, to Mom and Pops. And I think the deal flow that was occurring in 17, 18, 19 and certainly at the peak in 2021 showcased us in a, in terms of how we supported. Transaction capital markets. So every deal that comes on the market, we underwrite and it helps us get a true feel for what's happening in the market from an operational perspective. [00:19:20] A competitor's not going to send me their financial statement, but guess what? I get to get one when they go on the market. And then we see and track through great relationships, how those things happen. Meaning how many people are signing cas if there's 500 cas in one deal, there's obviously appetite for Phoenix. So, really understanding the transaction markets, the capital markets understanding, how guys are achieving debt, equity and all of those relationships has really kept us well-rounded. So, that's fed into Mark Taylor Consulting. So today we, we consult with a variety of developers groups with marketing programs and plans asset management nationally. So, it gives us a lens into a lot of different areas that really. Just allows us to take advantage of our expertise knowledge and data.  [00:20:05] Jason: Yeah, and that's interesting. So one of our coaches that we have he said that it's really surprising that a lot of property managers don't have their own portfolio. They don't have their own properties that they have ownership in. There's quite a few. And he says, that's kind of like going to the restaurant, asking the waiter what's good there. And they said they've never had anything. And so I think there's an advantage, like, if you believe in real estate investing, I think it's a smart move that every property manager should be also building up their own investments. That's where some of the funds should be going towards to build up their own portfolio and their own investments, because, That's, that is smart for the future. That being said, building up a business is probably one of the most profitable things if you do it effectively to get an ROI on that exists. So you mentioned you mentioned focusing on the data. And you have all this data that a lot of people just don't have or don't have the opportunity to see at the level that you are doing it at. What is the data telling you right now that you think property management business owners that are doing third party should be focused on right now? [00:21:14] John: I think that, it's always predictable with each cycle, so I think back to. When we were coming out of the Great Recession, and I still have a, somewhere I have a sign. It was the old Clear Channel Billboard sign. It was just a little standup model. And we had three months free San Palacio, and there were other groups doing four months free. And these were prorated concessions. Wow. And when I think. To that timeframe. And most of my current generation of, leasing agents, service technicians, haven't been through a downturn. It's been a pretty good market since 2012. Yeah. And when I'm in company meetings, they'll say, raise your hand if you've worked in the gfc. And everyone's like this except for some execs. So. Trying to help them understand the cycles of this business is important. So, last year we did a lot of coaching and training on, okay, this is what owners are going to start to look for as the market shifts, right? When your rents are going up 10% NOIs here, you're above budget. There's not a lot of detailed conversations from most owners, meaning you're hitting all of those targets, things feel pretty good. But when it's doing this, And the market's softening, and now rents are going back and retracting. Now what do they do? They start to look at marketing costs. [00:22:26] They dig in like, what's going on exactly? Is my phone number on my website go directly to, someone that will answer it? Are my phones being answered? What's this expense over here? They become expense conscious, marketing conscious and personnel conscious. That's predictable. So my marketing team said, wow, you were right. We're getting a lot of calls now from owners. Of course you are. Yeah, the dynamics shifted and it's not even bad. It's just softened. So wait till maybe you're not covering debt, right? So I'd say that most of our groups are well capitalized. That's not an issue, but that's going to be for certain third party management groups. That's going to be an issue, right? Because they're going to pay debt before they pay your payroll depending on your property management agreement. So how does that work out? You're going to have to start to scale back on expenses. They're going to say, Hey, We need to save $20,000 this month, how are you going to do it? [00:23:13] So it just changes the dynamic of how you function as an operator. And I think back to your original point, us as ownership, that really helps us because we know in terms of our focus of maximizing the bottom line or financial potential of each asset. Man, it's a lot harder in this type of environment and it's going to get a bit harder for the next 12 to 24 months. [00:23:34] Jason: Yeah, I'm a little bit of a conspiracy theorist, but I think leading into the next election, every election year, things get really crazy. So, and it seems like nothing makes sense right now, like everything is just getting worse and crazy and, It doesn't seem to make sense, but I think it's it'll be crazy leading into 2024. So it'll be interesting. And I think, yeah, there will likely, it sounds like, be a wave of owners reaching out, owners wanting more support, investors wanting more help with what they're dealing with and trying to figure stuff out. There's probably quite a few that just I think ever since the pandemic, it woke people up because lot of the investors that were DIY and doing it themselves, they realized that they don't like being the bad guy. And if things do get crazy and things financially get tight, maybe for renters or for owners, right? Then property managers, they have no concern about being the bad guy. They're totally cool with making sure that things work and running it like a business because they've heard it all. Sure. They've been they're numb to all the BS and the stories and the, drama. Whereas, a lot of the homeowners and the property owners like, that's hard. It's hard, it's uncomfortable to deal with those situations. But when things are good, They're like I don't know that I need a property manager. But I think the need will increase. So this is interesting. So, well, is there anything else you'd like anyone to know about this idea of multifamily market oversupply or maybe about Mark Taylor or how should we wrap this up? [00:25:11] John: Well, I would start with just, from a. Current to long term perspective. So I think the over supply is happening. You're seeing it in Austin and Phoenix and other markets, and that will eventually fill up, right? So you have no choice but to stabilize. So your rents might not be what you performed, but are underwrote in your performer. But the reality is, at some point those will stabilize. And I think if you look past the next 24 months, 36 months and beyond, and really look at the last part of this decade, which is weird to say, but the late twenties. I think, we have to look at the country or this environment as there is going to be a housing supply shortage and I'm including single family for sale, single family for rent. And if you just go back to something we touched on earlier the attack on our industry and landlords and developers in general. Rent control is just. Commonly brought up by legislatures every year, including Arizona. And, the things that have, I'll say mostly ruined certain markets. I won't name St. Paul Portland and I could keep going. Uh, But those policies and how they've thought about creating housing. For their constituents and their population has clearly give them a great f And I think if you look across the spectrum of groups or cities or states that have done this well we have to fight for those policies. [00:26:36] And if we don't fight the wrong policies will occur and this housing shortage will just get, I think, substantially worse quickly. So, we have to think about policies. We have to think about doing things the right way, making sure that we have an ability to develop and create supply so that we can house folks that want to move to Austin, Phoenix and everywhere else where people believe in liberty, freedom and all the things that we believe are, founded in the constitution and belief in the US makes sense. So here we are today, Phoenix and Austin being two of them.  [00:27:12] Jason: Yeah, it'll be interesting. If there's a shortage supply shortage coming in, housing, and then people think the solution is rent control it. That's like pouring gasoline on the fire. They're like, Hey, let's just make this worse. It's, I mean, it's wrong politicians that are doing the stupidest thing ever. It was the wrong thing and destroying things. And so, yeah. I think that's everybody listening, property managers have a duty to be involved a little bit politically to prevent this firestorm from happening. And this is an opportunity to go and be the canary in the coal mine or be the Paul Revere shouting, from the horse, letting everybody know, Hey, there's a problem coming. People are going to start trying to push this rent control idea and it's a bad idea if for no other reason than helping the industry. Use it as a vehicle or platform for some self-promotion for your business in your market, and get on some news channels. But I think that would be a great idea because then you're going to look like a profit when this stuff starts to come down and they're implementing rent control and there was a problem and you're like, Hey, I was the one that told you so people are going to start to listen to you. [00:28:16] This was like Winston Churchill, right? Yeah. Hitler started taking over and he was like, Hey, I've been telling everybody, and they're like, okay, you help us out. And if you're that light, people are going to be reaching out to the light when it gets dark. And because they know you, you have been talking about this. So maybe it's time for property managers to get a little bit noisy about this rent control stuff that's coming and not just hope and pray that it doesn't happen. You don't have to deal with it so. [00:28:43] John: No question. No question.  [00:28:45] Jason: Cool. Well, John, really great having you on the show. Any call to action you want to leave anybody with or? How can people check out your company or whatever you'd like.  [00:28:54] John: Yeah, check us out mark-taylor.com. That's mark hyphen taylor.com. Like I said, third party manager development consulting. If you're thinking about, developing a project in Arizona or you want to learn more about, data and terms of multifamily market conditions, Arizona, Nevada will soon be launching a subscription model, so you'll get access to a lot of our great reports. [00:29:17] And data, which will be incredibly helpful for those that are just trying to understand the market and what's next. So, reach out to myself directly. You can find me on the website and I appreciate you having me, Jason. It's always good to talk to great guys.  [00:29:31] Jason: Like really great to have you. Thanks for coming on the show.  [00:29:34] John: Thank you. Talk soon. All right.  [00:29:37] Jason: So, really exciting to have John come on the show today. I think this brought up some ideas of what everybody needs to be paying attention to in the future, and property managers, your job for your investors is to see a little bit of the future and protect your investors and your clients, right? And hopefully we had mentioned also becoming an investor yourself if you're not already doing that. So for those of you that are struggling with your property management business right now, you're like, I don't have time right now to even think about getting a little bit politically active about rent control, or, I don't have time right now to even worry about the data or the future. I'm struggling to figure out how to like make money in my business, or I'm struggling with all the questions my team are throwing at me all the time. Why can't they just think for themselves? Reach out to DoorGrow, we can help you make your business scalable. We can help make it easier and we can help remove that secret pain that a lot of you have that are over 200 doors that deep down, if you add more doors, your life's not going to get better, personally, it's going to get harder. And so we psychologically get reversed towards growth and adding more doors. We can help solve that problem. We just need to make your business scalable and get you out of all the things that you really don't enjoy doing. [00:30:54] And we're really good at helping people do that. So if you'd like to start stacking and adding a hundred, 200 plus stores a year in your property management business and grow it and scale it, we have clients that are doing that and we have proven it and our model works and we can help you do that as well. [00:31:11] So reach out to DoorGrow. And if you're one of the startups or smaller companies and you're under a hundred doors, we can help you get very quickly, get those doors stacked up and start and get the growth going. So reach out to DoorGrow. Check us out to DoorGrow.com. Click the big pink button. We have a free training that's 95 minutes long of me just dropping value, and that's going to change your mindset about what it takes to grow your property management business and to make it scalable. [00:31:38] Check that out and it's free. It's right there. There's a YouTube video on that page that we set up. So, and book a call with us. We'd love to talk with you and see if we can help you grow and scale your business. We're always looking for really awesome growth-minded property managers to be part of our Mastermind community. We have some amazing people in there that are getting awesome results. [00:32:00] Jason Hull: You just listened to the #DoorGrowShow. We are building a community of the savviest property management entrepreneurs on the planet in the DoorGrowClub. Join your fellow DoorGrow Hackers at doorgrowclub.com. Listen, everyone is doing the same stuff. SEO, PPC, pay-per-lead content, social, direct mail, and they still struggle to grow!  [00:32:26] At DoorGrow, we solve your biggest challenge: getting deals and growing your business. Find out more at doorgrow.com. Find any show notes or links from today's episode on our blog doorgrow.com, and to get notified of future events and news subscribe to our newsletter at doorgrow.com/subscribe. Until next time, take what you learn and start DoorGrow Hacking your business and your life.

Do you need help with technical problems during Zoom calls? In this episode, we'll cover common tech problems in Zoom meetings and how to handle them using helpful phrases. And you'll practice your speaking with a fun mini-story. Get the transcript on my website: Speakenglishpodcast.com/podcast/ Zoom has become a crucial tool for remote work and communication. But, as you may have experienced, technical problems can pop up during a Zoom call. As an English learner, it's important to feel comfortable using the app and handling any problems that may come up. Don't worry if you're not a tech expert. Learning the basics of Zoom will help you communicate better with your coworkers and clients. It's a good idea to practice using Zoom's simple features, like sharing your screen, using the chat, and muting your microphone. These features can make your Zoom meetings run more smoothly. To help you tackle these issues, I've prepared an example conversation on Zoom addressing common technical problems. Participants: John from the United States; Maria from Brazil, and Yuna from South Korea John: Hello, everyone. Can you hear me clearly? Maria: Yes, I can hear you, John.  Yuna: Sorry, I'm having trouble hearing you. I may have a problem with the connection. John: No problem, Yuna. Can you check your internet connection or try refreshing your browser? Yuna: Sorry to interrupt, but my screen is blank. Is anyone else having this issue? Maria: No, my screen is working fine. John: Yuna, can you try exiting and then rejoining the meeting? Yuna: Okay, let me try that. Maria: John, I think you're frozen. I mean, your screen is frozen. Can you hear me?  John: Oh, sorry about that, Maria. I need to figure out what's going on. Let me turn off my camera and then turn it back on. Maria: I'm also having some issues. The image and sound are out of sync on my end. Yuna: I agree, Maria; I noticed the same thing. John: Hmm, that's strange. Let me check my internet connection to see if that's the issue.  Maria: You're breaking up a little bit, Yuna. Can you repeat what you just said? Yuna: Sorry about that. I said we needed to discuss the marketing strategy for the new product launch. Maria: There's an echo on the line. Can someone please mute themselves if they're not speaking? John: That's a good point, Maria. I am having trouble hearing you, Yuna. I think you're on mute.  Yuna: Oh, sorry about that. Can you hear me now? John: Yes, we can hear you now, Yuna. Let's continue with the meeting.   Get the transcript on my website: Speakenglishpodcast.com/podcast/