Podcast appearances and mentions of josh sterling

Send us a textIn this episode, host Allan Marks speaks with Alexia Kelley, managing director of the Carbon Policy & Markets Initiative at High Tide Foundation, and Josh Sterling, a partner in Milbank's Litigation & Arbitration and Derivatives Groups based in Washington, DC and former federal regulator of commodity futures markets. They discuss carbon credits in voluntary markets and in mandatory or compliance markets. They also explore how new rules in the US and globally aim to boost the integrity of voluntary carbon markets, how to get more “bang for the buck” in carbon trading, and how nature-based projects and other decarbonization investments funded by carbon credits—such as reforestation, agriculture sector improvements, and renewable energy projects—help support climate goals.About the SpeakersAlexia Kelly has nearly 20 years of experience dealing with high integrity carbon and environmental services markets. She is managing director of the Carbon Policy & Markets Initiative at High Tide Foundation and was previously director of NetZero and Nature at Netflix, on the board of ICVCM setting global standards for voluntary carbon markets, and the US State Department's lead negotiator on Article 6 of the Paris Agreement to the United Nations Framework Convention on Climate Change. Josh Sterling is a Milbank partner based in Washington, DC and a member of the firm's Litigation & Arbitration and Derivatives Groups. In DC, he served for many years as Director of the CFTC's Market Participants Division overseeing over 3300 banks, intermediaries and registered asset managers trading derivatives, among other federal regulatory duties. He specializes in representing banks, trading firms, derivatives markets, and other institutional clients in high-stakes investigations, enforcement matters and other regulatory proceedings before the CFTC.Allan Marks is one of the world's leading project finance lawyers. He advises developers, investors, lenders, and underwriters around the world in the development and financing of complex energy and infrastructure projects, as well as related acquisitions, restructurings and capital markets transactions. Many of his transactions relate to ESG and sustainability, innovative clean technologies, and sophisticated contractual risk allocation. He is a Senior Fellow at Columbia University's Center on Sustainable Investment and serves as an Adjunct Lecturer at the University of California, Berkeley at the Law School and previously at the Haas School of Business.For more information and insights, follow us on social media and podcast platforms, including Apple, Spotify, Amazon Music, iHeart, Google and Audible.Disclaimer

Josh Sterling, a wealth strategist at Camus Advice in California, shares his unique journey from soccer player and coach to his current career. He emphasizes the importance of teamwork, family, and goal-setting, drawn from his extensive experience coaching high school and youth soccer teams. Josh advises listeners to identify their strengths and leverage them in their careers, integrating personal experiences into professional lives. He discusses the significant role of coaches in guiding players while stressing the importance of players taking responsibility. Josh also delves into his passion for helping high-net-worth individuals, particularly those with athlete children, in college planning and wealth management. Finally, he provides light-hearted insights into his personal preferences, from his fondness for vanilla ice cream to his love for the TV show Big Bang Theory.   Episode Highlights · The importance of teamwork, family, and goal-setting in both sports and business · Advises people to identify and leverage their personal strengths in their careers · Highlights the critical role coaches play in guiding players, but also stresses that players must ultimately execute and take responsibility · The struggles business owners face with identity after selling their businesses and the importance of nurturing various aspects of one's identity beyond work · Draws parallels between his soccer coaching experience and his current role in wealth strategy, noting how skills in teamwork and motivation are transferable across different careers

The boys dive into yet another Stephen King adaption talking Cat's Eye with Josh Sterling (Haunting Season). We're talking the playful filmmaking, the folklore influence on anthology films, and perhaps the best acting performance by a cat in a film? Put them cigarettes away before you get wacked!New episodes drop every Tuesday, subscribe so you don't miss out. Rate us 5 stars while you're at it! Next week, we take a look at Cat's Eye. Specter Cinema Club is now on Patreon! Enter The Phantom Zone to access all sorts of bonus goodies like our monthly side show "Watching the Watchlist", movie commentaries, and polls to help shape the podcast: https://patreon.com/spectercinemaHaunt Josh on social media:TikTokInstagramYouTubeHaunt Garrett on social media:TikTokTwitterInstagramLetterboxdYouTubeHaunt DeVaughn on social media:TwitterTikTokInstagramLetterboxdYouTubeSpecter Cinema Club Original Theme by Andrey Kinnard

Joshua B. Sterling is a Partner at Jones Day where he represents financial services, energy, fintech, agriculture and other companies in matters before the CFTC, the SEC, and other financial regulators. A former senior regulator, Josh was previously the Director of the CFTC's Market Participants Division. In that role, he oversaw the 3,300 financial firms worldwide registered with the CFTC to participate in the global derivatives markets.  Show highlights: [1:00] Josh's introduction to Bitcoin [5:00] BitMEX case [11:00] 2008 financial crisis [16:00] Finance and Web3 [20:00] Role of CFTC in crypto [25:00] Role of the SEC [29:00] How to improve the SEC's results & much more. We also discuss the book The Price of Time: The Real Story of Interest. Disclaimer: Jacob Robinson and his guests are not your lawyer. Nothing herein or mentioned on the Law of Code podcast should be construed as legal advice. The material published is intended for informational, educational, and entertainment purposes only. Please seek the advice of counsel, and do not apply any of the generalized material to your individual facts or circumstances without speaking to an attorney.

We may have thawed out a little since the winter storm, but we've still got 53 days of winter left to go!In this episode of As A Meter of Fact, Darreck sits down with Josh Sterling, CoServ's Manager of Energy Solutions, to discuss the best ways for Members and Customers to save energy AND money this winter.As a bonus, Darreck also explains how CoServ manages its power supply in anticipation of weather events and the considerations when making pre-emptive power purchases.

The growing carbon credit and related derivatives markets continue to attract the attention of regulatory agencies and law enforcement. The U.S. Commodity Futures Trading Commission (CFTC) has just announced that it is looking for whistleblowers on potential fraud or manipulation in the carbon credit markets, which is a major enforcement development in the ESG space. Jones Day partners Josh Sterling and Howard Sidman talk about the CFTC's ramped-up enforcement focus and what it means for participants in the carbon markets.

We are now witnessing the slow emergence of truth through our media.  After ignoring vaccine injuries for the whole jab rollout, our newspapers are now reporting excess deaths but inexplicably refusing to link it to the jab.  Edward Dowd returns to Hearts of Oak and he has written the most comprehensive book looking at excess deaths in 2021 and 2022.  With his team he has brought his analytical expertise which made him a force in the financial industry to now looking at trends of excess deaths.  One by one we are seeing countries reporting this tragic trend, Ed brings together data and hundreds of newspaper headlines to join the dots.  Join us this episode as Ed puts the pieces of this jigsaw together to show the truth. Please share this important podcast with your family and friends.   Edward Dowd is currently a Founding Partner of Phinance Technologies, a global macro alternative investment firm. Ed has worked on Wall Street most of his career, spanning both credit markets and equity markets, some of the firms he worked for include HSBC, Donaldson Lufkin & Jenrette and Independence Investments. Most notably, he worked at Blackrock as a portfolio manager where he managed a $14 billion Growth equity portfolio for ten years. After BlackRock, he founded OceanSquare Asset Management with two former BlackRock colleagues. Ed's career was spent analysing companies and earning billions for hedge funds and his success grows from his ability to accurately predict which companies are legit winners in the making and to avoid fraudulent or weak investments. In early 2020, Ed famously made some accurate predictions on Twitter and in 2021, he began to back up his earlier prognostications with posts including data provided by the CDC, NIH and WHO. Shortly after that, Twitter banned him from the platform, saying that his posts were "against community guidelines" but thankfully since Elon Musk's acquisition of the company Ed has been reinstated and his followers are growing rapidly. With his investment theses on data gleaned from the WHO, CDC, NIH, life insurance industry and funeral home fiscal reports, Ed exposed the contagious deceit of Big Pharma Fraud and its devastating effects on financial markets and to our lives. Cause Unknown: The Epidemic of Sudden Deaths in 2021 & 2022 ‘Early in 2021, he noticed a rise of news anecdotes about sudden deaths among very fit athletes and other seemingly healthy young people across the country. His question was simple: What changed this year?' Available in hardcover and e-book https://www.amazon.co.uk/gp/product/B0BB8GWRLW/ref=dbs_a_def_rwt_hsch_vapi_tkin_p1_i0 Follow and support Edward..... TWITTER:     https://twitter.com/DowdEdward?s=20 GETTR:         https://gettr.com/user/EdwardDowd WEBSITES:   https://www.theyliedpeopledied.com/                       https://phinancetechnologies.com/ LINKED IN:     https://www.linkedin.com/in/edward-dowd-87902158/ Interview recorded 30.5.23 *Special thanks to Bosch Fawstin for recording our intro/outro on this podcast. Check out his art https://theboschfawstinstore.blogspot.com/ and follow him on GETTR https://gettr.com/user/BoschFawstin and Twitter https://twitter.com/TheBoschFawstin?s=20  To sign up for our weekly email, find our social media, podcasts, video, livestreaming platforms and more...  https://heartsofoak.org/connect/ Transcript (Hearts of Oak) Hello, Hearts of Oak, and welcome to another interview coming up in a moment with Ed Dowd, who's been with us before, looking at finance. And this time he looks at something completely different, and that is his book published at the end of 2020. Many of you will have seen it, and that is Cause Unknown, the epidemic of sudden deaths in 2021 and 2022. And he brings his analytical mind, originally looking at financial trends, looking at death trends, let's call it what it is. And he opens the book with newspaper report upon newspaper report, scan upon scan, image upon image of how the media have reported on sudden deaths, at sudden adult death syndrome, deaths amongst children, amongst young people, it should not be happening. And yet he collates it all together, and that is the the hard-hitting part of this, that you see it all in one place. You realize, wow, this is what is happening from papers all across the world. He talks about those excess deaths, talks about the rise of the disability in workforce, talks about publishing this, the difficulty of publishing it, the response from publishers, from media. It is a huge topic, and a story that has to be told and I encourage you to get hold of the book, pass it on to friends, family, relatives, anyone who can read this because they need to grasp this subject and understand the tragic reality of what we face, not only here in the UK but all across the world. So I know you will be fascinated by this interview with Ed and you'll want to get the book after a few listen and hear him. And hello, Hearts of Oak. Wonderful to have you with us again and wonderful to have a returning guest. The last time we spoke on economics and finance, but this time we're going to focus on his book, Cause Unknown, the epidemic of unknown deaths in 2021 and 22, and that is Edward Dowd. Ed, thank you for your time today. (Edward Dowd) Great to be here. Thanks for having me on again. Not all. I've literally been finishing your book on my Kindle. It's been a fascinating read, not an enjoyable read, but a fascinating read. And as I think over the last three years, we've had lots of fascinating reads that have not necessarily been enjoyable, but have opened the door and explained what is really happening. Your book, Cause Unknown, is one of them. And for our viewers, all the links are in the description. You can find Ed Dowd @DowdEdward on Twitter, on GETTR, everywhere else, but all the links are on the screen there and also in the description. But Ed, if I could probably begin, because your background is one on finance and I love watching your interview, or your conference speech at the American Freedom Alliance, World War III, just last month, a signpost of the sovereign debt bubble popping, what comes next. And that is a fascinating take on the financial side, but we're going to look on something completely different today, and that is your book published just the end of last year. But Ed, maybe we can ask you, first of all, what and how moved you from your focus on, I guess, a focus on the finance side, on investments, on trends in the financial sector? What moved you over to looking at what was happening with the excess deaths linked to COVID? Well, so the bottom line is this. When the vaccine was introduced, I started hearing anecdotes about injuries and deaths, which I shouldn't be hearing statistically. If this thing was safe and let's forget effective, we know it's not effective, but if this thing was safe and had been vetted like a normal vaccine for seven to 10 years, we wouldn't be hearing, I wouldn't be hearing any anecdotes. So I became alarmed and I was also horrified by the propaganda campaign that seemed to fool lots of people into taking this thing. But then when the mandates came, that's when I lost my mind. I said, OK, here we go. I'm just, you know, look, I'm Irish Catholic, American, fifth generation, and I just don't like being told what to do. That's kind of my nature. And so when they told me I had to take this jab to literally interact with freedoms that were basic to the Constitution of America, that's when I said, OK, done here and started going to protests. I hooked up with Dr. Malone and came in October of 2021. And I had already, in my mind, said to myself, well, if the vaccine is really causing problems, and because this vaccine was not just a vaccine that was marketed to a specific group of people, but the whole globe, it should show up in what we call the metadata. And the first metadata I thought we'd look at would be the insurance company results and the funeral home results. And sure enough, at the end of 21, it showed up there. And I became the guy known as the fellow analysing excess mortality. And over time, I had a team kind of coalesced around me. It's not just some dude on the internet, ex-Wall Street guy. It's like I have two PhD physicists who started a firm called Finance Technology, spelled, PH instead of F. We have a website, phinancetechnologies.com. And since the book has been written, we've just continued our work. And it's a horror show. We've identified excess deaths. We've identified disabilities and injuries, all of which have gone off the rails since the vaccine introduction. So on Wall Street, when you pick a stock, which I was a stock picker, I ran a $14 billion, growth portfolio for BlackRock for 10 years. We grew from $2 to $14 billion over that time. You come up with an investment thesis for a stock and you want to be early to what's quote called the story. And usually there's a story in a stock where something fundamental is changing and you want to get there before the herd gets there and buy the stock. And then as your thesis is proven correct over time, the stock will go up. People will realize what you saw. And that's all I've done here with the vaccine issue, like I saw a trend. We analysed it. And unfortunately, I'm here to say the trend isn't getting any better. Excess deaths continue to stay alarmingly high. Disabilities are continuing to climb, granted not as a faster rate as they did in 21 into 22. But now we have injuries, which are identified by missed work time, and that exploded in 2022. And these numbers are not small. The numbers we've come up with are about 300,000 dead in the US from the vaccines. And of course, we do excess mortality for like Europe, the UK, we did Ireland, we did Australia, and it's all showing the same story, a mix shift from old to young, starting in 2021. And that's what I talk about in my book, the mixture from old to young, I use society of actuary data, look at disability data. So what I'm here to say is the book gets that and our research continues that it's been detrimental to your health to be employed in 21, 22 and continues in 23. And why is that? Why is the most healthy and youngest amongst us getting sicker than the general populations of these countries? Well, it's because they were mandated to take an experimental jab where the drug companies wanted to hide the clinical trial from you for 75 years. That's a fact that most people don't know, but it's true. And from that data that they didn't want you to see, we've been able to estimate all sorts of things. And we showed that in the clinical trials, the rate, the magnitude of severe adverse events is now expressing itself in the general population. It's a joke. This is an absolute joke. And in the book, we don't go into the who or why, primarily because I wasn't in the room when these decisions were made. But what I can say is at this point, they see the same data that I see and we all see, and it's a cover up. So whatever went down is a cover up now, and that's a crime. Well, I want to get, you mentioned Dr. Robert Malone, I had the privilege of staying over with him and Jill when I was last over in Virginia, and he's been on many times. Can I ask you about Skyhorse Publishing published this, and I guess there would be a reticence, in publishers to publish this information because it blows the lid on what has been happening. Before we go into some of the data and some of the charts that you have, can I just ask you what was it like to put this information out? What was the response like, negotiating to publishers, media response. Tell us what that was like. Well, so I didn't intend to write a book. Gavin De Becker, who lives on the island with me off Maui, he knows Tony Lyons, he's written books. And Bobby Kennedy, all three kind of approached me and pitched the idea of this book, because my data was coming at it from the Wall Street side of things, which is just trend analysis. I wasn't trying to figure out what the medical mechanisms of the vaccine were. There's a lot of debates and lots of back and forth. I'm just counting ones and zeros, dead, not dead, disabled, not disabled, injured, not injured. That shows up. So, you know, at the very least, let's assume I'm wrong. I'm 150 percent convinced it's the vaccine. If it's not the vaccine, let's assume I'm wrong. Something's going on. The numbers are the numbers. What is it? And more curiously, why are the authorities around the globe unwilling to want to talk about it. Well, the circular logic is it's because it's the vaccine. That's why they don't want to talk about it. You know, the numbers we have now are worse than the pandemic in 2020. The excess deaths, the disabilities and the injuries. We have a pandemic now and I call it the pandemic of the vaccinated. And that's that those are just facts. So Tony Lyons, Gavin approached me. I wrote the book. The book has been mostly ignored by the mainstream media. I did get on Tucker Carlson before he was fired. I've been on a couple of mainstream podcasts like Patrick Bet-David, who was brave enough to put me on. Kudos to him. And some others. But you know, I've been kind of, the book has been kind of ignored, even though it's been selling well. Recently, I've come under some new attacks. I think it's because I'm affiliated with the Kennedy campaign. I'm the co-treasurer on his campaign and I align myself with him because he's, you know, he's aware of the vaccine situation and he's all about freedom and truth. I may not agree on every topic with him, but without freedom and truth, we got nothing. We're kicking around other issues in the sandbox. So that's where we are. This is an ongoing fraud, an ongoing cover up. The US is like other countries are starting to back off from this thing, but the US supposedly the leader in global health care, continues to push this poison. Let's just call it what it is. It's poison. It doesn't work, and it's poisoning you. As a Wall Street guy, this was a stock that was coming under suspicion of having fraudulent accounting. You don't want to be the bag holder on the way down to zero. At the very least, this vaccine doesn't work. Why would you get a booster for something that doesn't work? Now we have serious concerns. Don't be on the wrong side of the trade. If you did get previously vaccinated, just stop. Don't do any more boosters. That's kind of my message. It's like, look, this thing doesn't work. There's a lot of questions around it. It's, in my humble opinion, absolute fraud. And over time, it's going to come out. So don't continue to take what I call the Russian roulette boosters. Robert Kennedy Jr., I'm fascinated by his stand and I'm watching, obviously from across the pond in the UK, watching what is happening over there in the US and how he brings this conversation into, especially on the left, on the Democrat side, which you don't think I've had a full conversation on this. But can I bring up some of the data, some of the graphs, some of the information which you brought? And maybe you can talk us through. But this is some of the the yearly excess deaths that we've seen. And you can see there is a spike from 2020, but maybe you can kind of mention and help the viewers understand what they're looking at. What country is this? I can't see. This is Denmark. Denmark's the classic example. So you see, these are, so we came up with methodology papers. First of all, you have to figure out how to measure excess death. The traditional way of doing it, and even the Society of Actuaries does this, is just to take a five-year average. The problem with that is it doesn't account for population growth or degrowth. So if the population's growing and you use just a five-year average, it'll make it look worse than it is, and conversely, if the population of the country's declining, it'll make it look better than it is. So we adjust for all that. And you can see with Denmark, they had a pretty consistent declining mortality rate that kind of went off the rails starting in 2020, but it's hit new highs in 2022. And on the right, you can see total population, I think. And basically, it shows that each successive year since 2020, more and more people are dying. So what do we know about Denmark? They're one of the most highly vaccinated countries. And every year it got worse. So let's assume it's not the vaccine, whatever they did in Denmark, and by the way, you can find this in all sorts of countries, Australia, you name it. It's gotten worse every successive year. So whatever they're doing is killing more people. So the health response has been a disaster. And since a major component of that health response is the vaccine. And it's continuing to get bigger in 2022. There you go. There's the answer. And what did Denmark do? Denmark basically, effectively, there's some wording people get on me about, but they effectively banned the vaccine for people under 50. And they said, it's better to get COVID than the vaccine. OK, so that's Orwellian speak for don't get the vaccine if you're healthy and under 50. This should be pulled off the markets for every age group. It's a disaster. So Denmark has decided to back off. Other countries are starting to back off. Switzerland came out and said that the liability now lies with the doctors that can continue to push this. So every country is starting to examine this slowly, except the US, which is interesting. I guess it's because it came from the US. But we've had Martin Sichert from AFD Politician in Germany talking about the excess deaths they've had in Germany. So I think what you're talking about in Denmark, we have seen, and in the UK, we have seen a certain massive amount of excess death. I think the Daily Mirror had a headline, we are seeing whatever percentage of excess deaths, and we don't know what is causing it. what you're talking about there in Denmark, I think it was 10% of excess deaths. We are seeing a similar level in the UK. So what you're, I guess, coming across, what you've written about is being extrapolated across many, many other countries. Yeah. Other people are doing different work, different methodologies, but the answer is coming up the same. I mean, my objective in doing this was to highlight the issue. And people are like, oh, Ed, they're copying your work. I don't care. People to do as much of this as possible so it multiplies. I'm just one guy, one team. We hope that everybody does their own, every country does their own study. As long as we kind of agree on how to measure the baseline, because excess deaths are a mathematical calculation above what's expected due to like very predictable mortality paths. That's why insurance is a great business. People, insurance companies aren't dumb. They insure people because they know what the death rate is and they make money by charging premiums, and they collect more than they pay out. That's the essence of insurance, and insurance companies have had some rough times of late, paying out more than they expected. What's curious is the, I'm going to report on this soon, the Society of Actuaries put out their 2022 report this month. And we're looking at the data, and the excess mortality in the younger folks continues to be quite high, running in the 20% to 23% area. What's interesting is, in that report, they look at the general US population, and the group life people are dying at higher rates than the general US population, which never happened before. This was always a healthier group that all flipped in 21. And so this is a joke. If you're employed, you have a greater chance of dying than if you're not working for one of these large companies that forced you to get the vax. So as far as I'm concerned, the puzzle's been solved. We're just trying to wake up policymakers and those who are brave enough to stick their necks out, which I don't understand. People are dying and getting maimed and disabled. So anybody who is afraid is a coward. Now, if you don't know and you figure it out and you're in a position of power, take action. But if you know and you're just scared, well, you're a coward. In your book, you talked about one insurance company, talked about the CEO of the one America insurance company publicly disclosed that during the third and fourth quarter of 2021, death in people of working age 18 to 64 was 40% higher than what it was before. I mean, that's huge. That is 40% higher. I'm surprised everything didn't stop and the whole media to focus on this. And yet that seemed to be ignored by the world's media. Yeah. So that came out at the end of 21 into January of 2022. And the CEO said the numbers, the numbers are correct. That actually was verified later by the Society of Actuaries. What he said for his company turned out to be the number for the whole industry. So 40 percent excess mortality across the board in 2022 for 25 through 64. Now, let's use his own words. His own words were, 10% increase is a once in a 200-year flood. 40% is off the charts. So now, at the time, what did he say? He blamed COVID. OK, he blamed COVID. Now, you've got to remember, in 2021, we had the original variant, which was the worst, then Delta, which was the second worst. And by the time he spoke, Omicron was starting to emerge, which is basically a common cold. So at the time he said that, he probably believed it, and he just was wrong. My job as an analyst on Wall Street is to sit in front of CEOs, listen to them, and bet against things I think that they're either incorrect about or lying about. I think he was just incorrect about that. And as time has rolled on, it's becoming more apparent that these excess deaths are non-COVID. So if it's non-COVID, what is it? Well, people blame drug overdoses and suicides, deaths of despair, and missed cancer screening, treatments or appointments. Let's go through each one of those. So in the third quarter of 2021, the excess mortality spiked to 84% for the age groups 25 to 44, which I call the millennials. These are people who shouldn't die. And their death rate was a lot lower during 2020. So it spiked to 84% in a three-month period, which is when the mandates hit in the US. And these group life policies are given to those who work at large Fortune 500 companies or mid-sized companies. If you're a small business, you don't have group life, OK? So these folks accelerated from around 30% excess mortality in the summer when Delta was raging into 84% by September, October of 2021. So to blame suicides is insane, because then you're saying that there was a group suicide pact amongst those with the best jobs. That's absurd. To say that they overdose on fentanyl and heroin is absurd because to get the policy claim, you have to be employed at the time. So, from my experience, fentanyl users and heroin users tend not to keep their jobs very long and tend not to be employed at these companies. And then the third excuse, missed cancer screening appointments. You know, I'm 56. I've never had one. Usually you get a cancer screening when you present with illness. You don't go pre-screen. They don't just, insurance companies don't spend money where they don't need to. So you don't go in and get these tests and then die in mass in the third quarter of 2021 from your 32, and I guess you didn't know you had colon cancer and you dropped dead in the third quarter of 2021. It's all nonsense. And then, obviously, since that spike, the vaccine program has waned. A lot of booster uptake has gone down. But what's disturbing to me is that the excess mortality in this group is still running around 23%, which is absurdly high and a problem. And injuries seem to be happening a lot, meaning missed work time, chronically ill. And if you're injured, you can move into the disabled category or the dead category. Categories aren't static. Well, let me bring up, because that's excess mortality. That is the scary thing. And before we go into some of the examples in your book, this is one of the charts. And right there.. Yeah, you can see the spike right there. Now, 100 is baseline. So you see 200%, which is 100%, and 179, which is 79% above. Averages to run 84% for the group 25 through 44. It's right there. Boom. That's what we call the event. That's what we call the smoking gun. What has been the response, again, to the media? Because it is there. It is clear. You've done the research. You've shown the data. It's out there for all to see. You would expect the media to pick up on this and to run with this as the major story of the year. But this seemingly hasn't got out. What are your thoughts on that? Well, the good news is it's spreading word of mouth. So that's good. The bad news is the media is owned by the pharmaceutical industry because they, on the nightly news in the US, I think 75% of the nightly news budget is pharmaceutical spend. Now, all of media is not 75%. But I think the nightly news is basically sponsored by pharma. So they have huge incentive not to go against their gravy train. So you got that going. You got all of Congress and the Senate kind of still being lobbied by the pharmaceutical industry. And then you have the technology companies that are the platforms for social media. Now, Twitter's different. It's been bought by Elon. And I was banned from Twitter, but put back on in December. And I had 87,000 followers when I got turned back on. Now I have 216. So word about it is spreading, but it's slow and it's, you know, it's, it's never been more dangerous to be misinformed than right now. And it kind of makes me sick to my stomach. So there's a lot of vested interests. I call it a conspiracy of interest. To keep the lid on this, technology companies were excited about the surveillance technology cash flows they were going to get if this thing was going to be implemented forever, which it's not, with vaccine passports and quarterly jabs. So they gratefully did what the government told them, which was to censor. And it's come out from the Twitter files that there's a censor industrial complex. There's a whole host of companies that basically make money censoring folks. And so they don't want this to come out. The media definitely doesn't want this to come out and our health authorities that ram this through don't want this to come out. So it's kind of this, let's pretend it never happened and hope that people forget. The problem is these vaccines are still being offered. They're trying to bring out new ones. And until people who have already been injured know what the cause is, the doctors, who don't know any better, are going to treat the symptoms, not the result of the jab. And the jab, we believe, is compromising immune systems. You need to repair your immune system rather than treat shingles or whatever shows up from your compromised immune system. We're hearing of young people dying from pneumonia this winter. I mean, who the hell dies from pneumonia in your 30s? Well, I guess if you're vaccinated and boosted, you've got a chance of dying from pneumonia. Well, you talk about excess deaths, we will touch on that again later, but we've had in the UK big demonstrations. Truth Be Told is one organization which is highlighting the vaccine damage to people, the disability side. This is something which you bring up. Let me bring up one of the slides. This is the the labour force, 16 to 64. And this is the disability within that. And it's, again, you see the trend and suddenly there is a spike from early 2021 of that disability within the workforce. So it's not just deaths, but it's actually the inability to work and the damage that it's causing to individuals after having this. Yeah, so we discovered the U.S. Bureau of Labour Statistics, which does, you know, disability numbers, and it went off the rails starting around February of 21. And when we delved even deeper, So the correlation with the vaccine uptake is 0.9. Now, people say correlation is not causation, whatever. At least the question needs at least to be asked and they don't even want to ask the question. But when we delved into the numbers a little deeper, you can break it down by employed versus the general population. And the general US population had not 8% increase in disabilities into November of 22. The employed population had a 31% increase in of disabilities into 2022. So again, the people who are employed generally speaking are much healthier than those who are unemployed, right? Correct? Because of by the very nature, you're getting up in the morning, drinking your coffee, and getting yourself to work. You know, if you're, you know, super young, you're not working. If you're super old, you're retired and you may be sick. But if you're able-bodied and able to get up and go do something, you're, generally speaking, a healthy individual. This all flipped in 2021. So of the 3.2 million individuals added to the disability survey done by this department. 1.7 were employed. So half, more than half, of the newly disabled were employed. Shocking. We just dropped, so then we did another study on absence rates and work time lost, and we found that this accelerated, we put that out a couple months ago, we found that accelerated in the US in 2022 especially, and it was 13 standard deviations above the 20 year trend line, which is, just to understand what a standard deviation is, a three standard deviation event happens 0.03% of the time. 13 is what we call a black swan event, should not be happening. Well, guess what we did recently? We put this out last week. We did an analysis of the UK disability data, our absence and work time loss data, and we found the exact same trend. And what's interesting is it actually went down in 2020 for your country. It went up in 2020 for us, but in your country, it went down. Then it went up in 21 and then exploded in 22, And it's 12 standard deviations above your 20 year trend. So whatever's going on in the UK is happening in the US. You got a sick workforce. And I guess it's climate change. Let me bring up some of the, one of the things that really hit me, even when you open up the book and go through it, it is the, not just the stories, but actually those screenshots of the stories from the media, from the newspapers. And this is an example, and you opened up with healthy young athletes dying, died unexpectedly in their sleep, and the S.A.D new normal, the sudden adult deaths. Tell us about this, because it's quite a, I guess, a shocking, sobering opening up to the book, whenever you see, not just Ed, you talking about, you know, the names of people who have died, but actually it is all there, the media have recorded it and you're simply bringing it together. Yeah, so you'll notice all we do in this section is we link local news stories. We don't, we don't comment on individual people. We just link news stories of sudden athletic deaths. And again, the book puts a human face on it with these stories, and then I go into the data. And we can talk about sudden athletic deaths in a very interesting way. Did they happen before COVID vaccines? They sure did, but they're super rare. There was a study done in 2006 by the Switzerland Lausanne Institute that tried to put a number on this, and they found over 38 years, 1,101 such cases of people who died under age 35 on the field and that's 29 a year. You know, in the book, our list is not exhaustive. We have hundreds and hundreds of examples. That we'd be lucky to have a month with just 29 in it. Instead, we have months upwards of 80 across the globe. So as a trend guy, does this phenomenon occur before? Sure. But the frequency with which it's occurring is like tenfold what it was in the past. And again, why are the elite, most elite healthiest amongst us dropping dead on the field, you know, in a new frequency rate that's tenfold what it was. Well, it started in 21. And what changed? Mandates and vaccines, because schools and sports mandated all this stuff. So, look, if I'm wrong, I'd love to be wrong, but no one wants to talk about this, which is, you know, obviously very suspicious to me. And people want to pretend it's not going on, but it is, ideal in reality. I live in reality. And there's a bunch of people that want to live in la la land again. Good luck to you. When you've probably brought in trends from your financial side, people have been willing to look at it and it's showing where the market is heading. Therefore, you want to get in. And you would kind of think any trend, people want to understand what is happening earlier on to be ahead of the curve in effect. But this seems to be the opposite, that people don't want to see, don't want to understand, don't want to acknowledge. Whenever you are putting this down, were you expecting people to adopt, I guess, the same response as you would have in the financial sector. Well, so let me grab something. Someone made this for me, because I've been saying this a lot. Someone made this as a gift for me. You can't rationalize facts to someone whose position is based on emotion. It's a coffee mug. And that's something I learned when I was in business school. And I saw that on Wall Street. And for instance, let's talk about the Enron fraud. I knew it was a fraud. I got my firm out of the way of the disaster. I didn't catch the top, but we owned it. And once I realized it might be fraud, I'm not married emotionally to a stock because it's a piece of paper. A lot of people emotionally get emotional about stocks. And I had peers that I would talk to and say, hey, this thing's fraud. And they said, no, you're wrong. And I talked to the CEO, and he told me everything's fine. I go, well, that's the nature of a fraud. You talk to a CEO. And by the way, psychopaths that run these companies into zeros, frauds, they will act as if everything's fine and convince you, they will never admit to the fraud until they're in handcuffs. And that's what's going on here. So a lot of people that took this vaccine, that were emotional about it based in fear, and or, you know, adopted COVID as the new religion. It's become part of who they are, so they can't admit to it. So there's that going on. The good news is most people did not take this because it was a virtue. Most people were either threatened or were ambivalent about it. And now that they're learning, they'll pull a 180 and they're not emotionally attached. But there's a huge pocket of people still emotionally attached to this decision who who won't ever want to admit defeat. And there's also the vested interest, the conspiracy of interest, who may know that, it's a disaster, but they'll never admit to it either because, you know, they some of these people, again, I wasn't in the room, there may have been some malfeasance and fraud that's going to put people in jail. So they're going to they're going to run with this until they can't. And unfortunately, my prediction is as more and more people figure out what's happened and the injuries continue, eventually there'll be a kind of a tipping point and then there's going to be a lot of angry people, unfortunately. As you've put this out, the book has been out since the end of 2022. What has been the kind of response, the engagement, obviously I've seen you on War Room many times discussing this. There must have been a reticence, I guess, to publish this information, which seemingly not only goes against the mantra from the government but goes against Big Pharma, which has got deep pockets. So there's a financial interest in going. It's not just going against the government edict, but it's going against the money system of Big Pharma. As you put this out, tell us about how it's been taken, how it's been accepted, that kind of fight I guess you had of putting out this information. Well, so we're running along. There's a saying, first, they ignore you, then they laugh at you, then they fight you. I went through the ignoring period. Then the fact checkers came in and tried to like, you know, laugh at me. Now they're starting to fight. I mean, it's our website was taken down last week. Our website was taken down and we were attacked. And now it's back up. Thank God. And I started to receive a line of personal attacks in certain areas of social media that seemed very coordinated. I'm not even going to talk about what they are because I'm not going to give any, you don't give the trolls anything to feed on. So just know that something shifted last week. It went from ignoring and laughing to coordinated attacks on the website and personal. So the good news is that says to me they're now fighting me because the word's getting out. The book was a number one seller for a long, long time. Sales have declined a little bit, as is natural in a book after its first six months. It'll probably catch a second wave soon as this breaks into the mainstream, and I'll probably go on more mainstream media type of things as they try to change the narrative and pretend they never were involved. But this is where we are. The fight has begun. And then after they fight you, you win. So winning is six to 12 months away, but we're in that, we're in the, I call, you know, people are like, are you scared? I'm like, no, this is the fun part. This is the good part. Now they have to pay attention. Tell us about the, the, the data reporting, I guess, because the, the VAERS is the system you have in the U.S. to report side effects and adverse effects of vaccines. Looking at it from a non-medical, non-scientific point of view, as I've read into it, it seems to be a laborious, difficult process designed to maybe slow down reporting. But tell us the kind of the data which has been accessible to you and you've looked at, because not all countries report it. And fears, obviously, the US, the UK have reported, I've read Israel have reported a lot of stuff. Other countries have not reported it. Well, what has that been like for you looking at trying to access, I guess, this data. Well, we've written about VAERS, but that's not where most of our data comes from. We decided because of the nature of this jab, and it was so universal, it's going to show up in what we call the metadata, just the dead, the all-cause mortality, ones and zeros. And it has, and we've proven that. And it also showed up in other databases, like insurance actuarial databases, funeral home results. And it showed up at the US Bureau of Labour Statistics and the UK Labour Statistics, the ONS data there. So they can't hide it. The VAERS data, we tried looking at the data and it's problematic and it's hard to analyse and they do that on purpose. But just looking at the VAERS database, like eyeballing it, the number of adverse reports for this vaccine dwarfs any other vaccine we've ever seen. The naysayers on VAERS say, oh, these are fraudulent anti-vaxxers entering reports. First of all, it's an onerous process. Doing so, you can go to jail, and it usually is done by a doctor, and I don't think access to the average Joe is available. But we didn't lead with the VAERS data. We led with the government data of all-cause mortality, disabilities, and now injuries. And what's interesting is most countries are reporting them on time, although they're starting to delay that data. And the most egregious has been Canada. Canada has stopped reporting the dead people. So they're like six, eight months behind. And, you know, if you're if you're a first world country and you're a government, one of your jobs as a government is to count things. And, you know, that's that's that's, so third world countries like Africa have problems, you know, accessing records because a lot of people just don't even get birth certificates or register. But, you know, in developed nations, this data should be readily available once it becomes. And so Canada is either become a third world country, which I don't believe it is, or they're hiding the data, which I think they are. Tell us about the, just to finish off with the viewers, the listeners, they obviously, this is a topic which many of our viewers and listeners have been extremely interested in with a number of guests, so they get hold of the book, Cause Unknown, they read through it, and they want to kind of do something, they've been informed. What were your thoughts on educating the public and giving them that information. What do they do with it, I guess, is a question for our viewers and listeners. So let's just start with the book. The book was written, leaving out the who and the why on purpose, because we don't want people to get bogged down in that, which I can't prove, because that's all speculation. But what we can prove is something's going on. These numbers are the numbers. The lack of talking about these numbers, in my humble opinion, is a cover-up. In the book, we say our thesis is it's the vaccine. And we come at it from a Wall Street trend analysis perspective. It's a very sober, non-bombastic book. And what people have told me is they'll buy it for themselves because they already believe. They'll read it, then they'll hand it to a loved one. And there's lots of reports of people coming back to me saying that the book has been able to flip someone from getting boosters to not getting boosters. So the first step is buy the book for yourself, but then give the copy to someone else after you read it. Some people have bought multiple copies and given them to their whole family, whether they're received well or not. So that's one thing you can do. You can also go to our website, phinancetechnologies.com. We have all the data. You can use all the data there. If you want to go to your local school board, if you want to go to your congresswoman, if you want to go to your state reps. So it's like a force multiplier. And you know, it's just everyone needs to take some sort of action. And the action is inform, educate. I know some people live in liberal cities. They don't want to talk about it, but you can buy the book and leave it on your desk. You know, there was a story last week. I know someone who knew a guest was coming, they left the book out, and then the person came and they grabbed the book, and now they're questioning the vaccine. So that's kind of what this is. It's kind of a Paul Revere pamphlet, you know, like, the British are coming. It's a warning. And the warning is this. Don't take the thing, because we all know it doesn't work. So why take something that doesn't work, first? Second, my data shows something went off the rails starting in 2021. I'm 150, 200% convinced it's the vaccines, if it's not, then what is it? But at the very least, why take something that doesn't work? And that's the mission, just to save a marginal life, change a marginal mind, and that's it. That's why I wrote the book. I didn't write the book because it's fun, and I wrote the book to save people from making bad decisions. Well, I live in a very liberal city, London, the UK, and I'm happy to have the conversation with friends, family, school pick up when I do that. And there's always a range of people that you can have this conversation with. So, Ed, I appreciate you coming on and discussing the book. I found it fascinating reading on my Kindle. Didn't get a hardback, but it was on the Kindle. Really enjoyed it. So thank you so much for putting in the time and effort and hard research, which I know goes into publishing anything like this. Thank you. Yeah, you're welcome. And I just want people to know it's not just me. There's a team behind a lot of what was in the book. Gavin De Becker had a team sourcing the stories. All the data that I presented was done with volunteers, my own research, my partners, Carlos and Yuri, Josh Sterling, who's now public. So, you know, this is not just some dudes with spreadsheets on the internet spreading misinformation. This is top-notch Wall Street research. My very last thought, sorry, is there'll have to be a Part B. There'll have to be an update to this because the data is coming out. You've set the groundwork, the data is continually coming out. Does that mean that you will have to update it and include the data which is progressively getting worse? Yeah, probably at some point. I'm not looking forward to that because that requires work. We're also thinking, we have a website and we're thinking of figuring out a media strategy to maybe produce a pamphlet or a book that showcases the work from our website, which is even more comprehensive than my book. We also are trying to figure out a way to make PDFs that are downloadable rather than people screenshotting our work. So we're, you know, look, this is a volunteer effort. This is all pro bono. We have a hedge fund that we're looking to start at some point, but we put that on the back burner. Well, this is more important to get this information out. So we're not doing this. We're funding this out of our own pockets. So as we get volunteers who want to give us time and effort, this stuff will come. So we're, and our team's growing. We keep getting more and more volunteers from very different political ideologies. Very different. This cuts across left, right, green, red, blue, purple. This is team humanity. And if you're for truth and not being forced to take experimental gobbledygook into your arm, you're on our team. I find that 100%. So Ed, I appreciate you coming on and thank you to our viewers for tuning in and our listeners for listening. And do make sure you get a copy. All the links are in the description and do pass it on to friends, colleagues, those on the school gates, whoever, make sure they get the information. So Ed, thank you so much for your time today. Thank you so much and I appreciate you.   Please subscribe, like and share!  

Chris is joined by The Haunting Season's Josh Bragg to chat about TikTok, new horror movies, and what its like to burnout. You can follow Chris Stachiw @Casualty_Chris, Jess Byard @writerjessbyard, and the podcast @ScaryStoriesWT. Alex Malnack of Blondo provides the music for the podcast; that track is "Stay Here." The album artwork is provided by Maggie the Odd.For more episodes of Scary Stories We Tell along with many more podcasts that are guaranteed to be your new favorite audio obsession, check out Weirding Way Media at weirdingwaymedia.com.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4274437/advertisement

2 Min CLIP Vaccine Mortality Rate Josh Sterling Insurance Co New Chart April 2023 by Kate Dalley

We hope you all are fond of our guest specials because we have one more for you. This week we will be discussing Smile (2022) with Josh Bragg of Haunting Season. We really enjoyed talking with Josh about the film along with the ever growing horror community on social media, it is always fun to talk with fellow fans of the genre. --- Support this podcast: https://podcasters.spotify.com/pod/show/abby-normal-podcast/support

First introduced following the 2008 global financial crisis, the Fundamental Review of the Trading Book (FRTB) was designed to establish worldwide rules pertaining to banks' regulatory capital requirements as they apply to trading activities. Jonathan Gould and Josh Sterling talk about the changes proposed by FRTB, how those changes address specific problems, and what banks should do now. Read the full transcript on the Jones Day website.  

If there's one proven key to scaling your real estate business fast, it is building an effective team that will help you every step of the way. In today's #Highlights episode, we feature our conversations again with real estate entrepreneurs Josh Sterling and Vince Gethings who shared how their teams have helped them and their businesses to scale up fast.Josh shares some of the systems that they have put in place to overcome these pain points while the company is growing along with how the growth has added extra depth to their business. Meanwhile, Vince tells us about what attracted him to syndication, the role of building confidence and credibility in the field, and of course the tools and strategies that have allowed their growth. Listen now!

A turbulent global economy leaves financial institutions and other market participants in challenging positions as they try to hedge and protect their interests in an increasingly uncertain environment. Jones Day partner Josh Sterling talks about the regulatory and legal issues faced by market participants in the volatile economic landscape.

When handling a business, you have to prepare to face bottlenecks and overcome them along the way to be able to scale. In this #Highlights episode, we feature our conversations again with Ben Risser and Josh Sterling. The two share what tools and systems they have to put in place in their respective business to allow them to grow fast.Ben shares some of the main bottlenecks that they've experienced as they continue to scale and how to coordinate between different teams. Meanwhile, Josh shares some of the systems that they have put in place to overcome these pain points along with how the growth has added extra depth to his company. Tune in and learn how you can overcome some hurdles and scale fast now!

As discussions and debates unfold over digital currency regulations, Commodity Future Trading Commission chairman Rostin Benham told a U.S. Senate committee that "speculative fervor" surrounding cryptocurrencies has potentially left investors in need of protections, and made the case for his commission to be charged with overseeing activities in this burgeoning market. Jones Day's Josh Sterling and David Aron discuss the gradual move toward federal oversight of cryptocurrencies, the questions clients ask, and what crypto market participants need to know now.

Recent high-profile insider trading cases leave little doubt that these matters remain an enforcement priority for Washington agencies, including the Securities and Exchange Commission (SEC), Commodity Futures Trading Commission (CFTC), and Department of Justice (DOJ). Jones Day partners Joan McKown, Josh Sterling, and Brian Rabbitt talk about enforcement trends, proposed rule changes, and the increased cooperation between federal authorities.

New York Islanders Owner Jon Ledecky and Oak View Group CEO Tim Leiweke discuss the opening of the new UBS Arena. Tom Naratil, President Americas at UBS, shares his market thoughts and what the UBS Arena naming rights mean for the firm. Josh Sterling, Partner in Financial Markets Practice at Jones Day, talks about regulation for stablecoins. Andrew Lee, Global Head of Sustainable and Impact Investing at UBS, explains why net-zero carbon will be one of the most consequential investment trends of the coming decade. And We Drive to the Close with Solita Marcelli, Chief Investment Officer Americas at UBS. Hosts: Carol Massar and Tim Stenovec. Producer: Paul Brennan. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

New York Islanders Owner Jon Ledecky and Oak View Group CEO Tim Leiweke discuss the opening of the new UBS Arena. Tom Naratil, President Americas at UBS, shares his market thoughts and what the UBS Arena naming rights mean for the firm. Josh Sterling, Partner in Financial Markets Practice at Jones Day, talks about regulation for stablecoins. Andrew Lee, Global Head of Sustainable and Impact Investing at UBS, explains why net-zero carbon will be one of the most consequential investment trends of the coming decade. And We Drive to the Close with Solita Marcelli, Chief Investment Officer Americas at UBS. Hosts: Carol Massar and Tim Stenovec. Producer: Paul Brennan. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Colton sits down and discusses all things spooky… and more… with Josh Sterling of @Haunting Season . Make sure to

Cryptocurrencies and decentralized finance remain under scrutiny from federal agencies and commissions. The acting Comptroller of the Currency has publicly stated that cryptocurrencies and decentralized finance may be evolving into serious threats to the financial system, much like the way certain financial derivatives prompted serious concerns and a near collapse back in 2008. Clearly, serious regulations are under consideration. Jones Day's Josh Sterling and Dorothy Giobbe discuss what industry stakeholders need to know.

Beginning with one single-family home in 2009 Josh Sterling has grown his portfolio to over 900 units today. He also founded Epic Property Management in 2012 and has used that experience to innovate and create a new standard in the property management industry.Main Points:·         -After starting down the path of college, career, buy a personal residence as the "American Dream" I was forced to make a complete 180 and began investing in real estate in an effort to create something I could depend on.·         -I began purchasing single family homes in 2009 using creative finance (zero percent credit cards, unsecured lines of credit, etc.) and was able to build scale by discovering how to extract the equity from single family homes.·         -Using the equity I pulled out of single family properties I was able to move into larger multi-family properties and began to build a snowball effect of cashflow.·         -After gaining experience in larger multi-family properties I began syndicating deals in 2016 when my personal liquidity wasn't available instead of turning them down as I had done in the past.·         -Time, snowballing cashflow, recurring liquidity events and syndication have allowed me to grow my portfolio to over 900 units.·         -Building a portfolio to that size made it necessary to build a property management company and innovate in that industry in order to achieve the best return on investment for my portfolio.Connect with Josh:www.epicpropertymanagement.comjosh@epicpropertymanagement.comjosh@epicpm.com

Today we sit down with 2006 graduate Josh Sterling. On our first international episode, we explore subjects like red Converse, matchmaker Raymer and Paris travel tips. Make it a great day…

Welcome back to the dark depths of the Disk Dungeon. If you made it past doom club of 27, welcome to the 32 Club! You're not done with the devil yet. You sold your soul for stardom and fame and that comes with a heavy price… your life. Join Julian and Joe as we take a dive into the darkness surrounding Music Curses. In this episode we have a special guest to guide us through, Josh Sterling from the amazing podcast #HauntingSeason https://podcasts.google.com/feed/aHR0cHM6Ly9oYXVudGluZ3NlYXNvbi5saWJzeW4uY29tL3Jzcw/episode/MzJiMTI4MTEtNTYxNi00NGRmLTk4MWItNDhlZWU0MmEyMTZh?hl=en&ved=2ahUKEwjf65S9mNryAhWqF1kFHVTAALkQjrkEegQIAhAF&ep=6 Josh joins us as a special guest getting into the #32club #LeadZeppelin #TheWho #MommasandPoppas #thegratefuldead

SEC Chairman Gary Gensler has left little doubt that his commission will closely monitor activity in the cryptoasset markets and the actions of decentralized finance, or DeFi platforms, as investor interest continues to grow. In prepared remarks delivered at an early August event, the chairman said, "We just don't have enough investor protection in crypto … we have taken and will continue to take our authorities as far as they go." Jones Day's Josh Sterling, Brian Rabbitt, and Mark Rasmussen talk about what the heightened scrutiny means for crypto market participants, and discuss what additional regulatory and enforcement actions could be coming.

We sat down with Josh Sterling from Epic Property Management. Here's what he had to say...

In an effort to uncover and prosecute unlawful actions in the derivatives and futures markets, the U.S. Commodity Futures Trading Commission (“CFTC”) and U.S. Department of Justice (“DOJ”) have in recent years engaged in unprecedented levels of cooperation. Jones Day partners Josh Sterling and Brian Rabbitt discuss the DOJ / CFTC commodities fraud task force … Continue reading JONES DAY TALKS®: CFTC and DOJ Target Derivatives Trading Across Industries →

The Commodity Futures Trading Commission, or CFTC, has broad regulatory powers to monitor the U.S. derivatives markets, which include futures, swaps, and some options. Jones Day partner Josh Sterling, the former Director of the CFTC’s Market Participants Division, talks about how the Commission fits into the broader regulatory framework, how it monitors fintech innovations, its … Continue reading JONES DAY TALKS®: The Biden Administration and the CFTC: Are Changes Coming? →

Today's guest is Josh Sterling. Josh is the founder of Epic Property Management, where he owns and manages a portfolio of over 1,000 units in Southgate, Michigan.  Josh started his career as an airline pilot. One day he showed up to work to find a letter in his mailbox that stated his pay would be cut in half in order to help keep the company afloat. Josh knew he had to make a change and take more control over his financial well-being. He changed careers to air traffic control and simultaneously started building a portfolio of single-family homes. It didn't take long for him to make the foray into multifamily and begin scaling his operation to a point of achieving real financial freedom. Josh was eventually able to quit his air traffic control job and now works exclusively on his multifamily business.  Listen in and hear Josh's story, and learn how you can replicate his success!

Joining us on the show today is Barry Flavin, co-founder, and head of investor relations at New Mission Capital! Barry runs this firm with Josh Sterling who has also appeared on the show, and today we chat about the value of great partnerships, as well as how Barry handles his side of the business with the utmost of skill. First up, Barry talks about his long friendship with Josh and how it evolved into a successful business partnership. Barry had worked in software sales and air traffic control and had fixed and sold quite a few of his own houses while Josh had also been in the real estate game for a while. Finally, the two realized they could benefit from each other's skills and resources, and decided to partner, with Josh handling property management. 

Josh’s Background:Previous profession as a commercial airline pilotOwns 650+ units across Michigan and OhioOwner of Epic Property Management which manages his portfolio and several hundred other doorsIn this episode we cover:Josh’s start in RE in 2009How he decided to get into property management versus hiring it outThe challenges of growing two business at the same timeWhat tasks he decided to delegate and why it’s hard to let go of certain tasksThe best way to communicate with prospective tenants to align expectationsHow to handle emergency calls and train your tenants to know what is and isn’t an emergencyConnect with Josh:https://epicpropertymanagement.com/Connect with Dave:https://www.lvare.com/dave.morgia@longviewacquisitions.com

With more buyers than product on the market, finding good real estate deals can be difficult—especially for newbies. But it’s not impossible. So, what can aspiring multifamily investors do to get a deal under contract? Drew Whitson, Josh Sterling, Andrew Kuhn and Phil Capron are mentors for The Michael Blank Investor Incubator, Josh Thomas handles our mentoring program strategy calls, and Drew Kniffin and Garrett Lynch serve as President and Director of Acquisitions, respectively, at Nighthawk Equity, the investing arm of The Michael Blank organization. All seven are full-time multifamily investors themselves with a background in working with new real estate investors. On this episode of Apartment Building Investing, I’m sharing the panel discussion we had last year at Deal Maker Live around what’s working now to get deals under contract. We discuss the greatest fears facing new multifamily investors and explain how we coach our mentoring students to get brokers to take them seriously. Listen in for insight on building your investor list to raise money for deals and learn how to leverage joint venturing to get into multifamily real estate. Key Takeaways The biggest fears facing new multifamily investors Self-confidence (work on inner game first) Won’t be able to raise money Won’t be taken seriously How to get brokers to take you seriously Analyze deals on broker sites Be specific re: your criteria Send feedback within 48 hours Travel to meet face-to-face The hierarchy of quality in multifamily deals Direct off-market from seller (rare) Broker first look Broker’s website LoopNet Our mentoring team’s advice on raising money Build investor list around existing contacts Have conversations BEFORE need capital Give talk on multifamily at Meetups Leverage partnering or joint venturing Connect with Michael’s Mentoring Team The Michael Blank Investor Incubator Deal Maker Live Resources Syndicated Deal Analyzer Nighthawk Equity The Michael Blank Deal Desk Anthony Metzger on ABI EP196 LoopNet David Kamara on ABI EP182 Meetup Podcast Show Notes Review the Podcast on iTunes Michael’s Website Michael on Facebook Michael on Instagram Michael on YouTube Apartment Investor Network Facebook Group

On today's episode, we are joined by return guest, Josh Sterling, who previously joined us on Episode 35, which was nearly a year ago! Since his last appearance, Josh and his Epic Property Management, LLC have seen tremendous growth, adding 430-units to their portfolio in a year. Josh stresses the importance of teamwork and how it has been instrumental in contributing to the rapid growth the company has enjoyed.

Grant and his wife set out to be real estate investors, started buying properties but quickly ran out of money. He went to a local meetup where he met a young successful investor (Josh Sterling) who gave him tips on how to move forward. They took his advice and ran with it, getting up to 11 units in two years, after thinking they were out of money to move forward. If you enjoyed today’s episode remember to subscribe in iTunes and leave us a review! Best Ever Tweet: “If we’re going to stay on this path, how many houses would we need?” - Grant Warrington Grant Warrington Real Estate Background: Started investing in real estate in 2004 - bankruptcy followed, restarted in 2014 Currently owns 20+ units with is wife and business partner, Monika Oversees the operations of 736 units for Epic Property Management Based in Detroit, MI Say hi to him at If you’re a passive investor wanting to learn more about questions to ask sponsors in order to qualify the opportunities, sponsors, and the markets opportunities are in, visit . We created this site just for passive investors to have a free resource providing the questions to ask and things to think through.

Josh Sterling would tell his 17-year-old self to skip school and get directly into real estate. Instead, he pursued a career as a commercial airline pilot, eventually rising to the rank of Captain. Today, Josh pursues real estate full-time, growing his portfolio to over 260 units and built out his own property management business to boot. In this episode, he walks us through his first deals in the single-family space, how he bought these properties on his credit card, and how that struggle inspired him to do multifamily. He also talks about building relationships with brokers, describes how he scaled his multifamily business, explains his approach to multifamily syndication, and describes his creative finance methods!

In this episode, Whitney interviews Josh Sterling, Owner, Epic Property Management. Josh reveals how operational efficiencies and well-structured financing can help syndicators achieve high returns on their investments. What is a good debt arrangement for a syndicated deal? Can good deals allow syndicators to triple their investment in just over a year? What is the best way to increase the value of a syndicated property? Tune to learn from one of the industry's best.

Here's some of what you will learn: Understanding Commercial Blanket Loans Renovation Pitfalls to Avoid Agency Financing The value of real estate education Why competence builds confidence What property management to use at what growth level The value of independent adjusters How to handle catastrophic events Understanding tenant / landlord responsibilities The value of analyzing multiple deals The value of getting past your first property Understanding who the bottleneck is in your organization Book Recommendations: Be Obsessed or Be Average by Grant Cardone The E-Myth Revisited by Michael Gerber To learn more about our guest, please visit: http://juststartrealestate.com/joshsterling/ Join us at a Multifamily Bootcamp, visit http://MultifamilyBootcamp.com Join us online at http://MultifamilyCommunity.com Connect with me on Facebook at: Rod Khleif Text ROD to 41411 or visit RodKhleif.com for a FREE copy of my book, “How to Create Lifetime Cash Flow Through Multifamily Properties.” Want to build Lifetime Cash Flow from Multifamily Properties? If you’re committed to creating the life you deserve, we've created the best multifamily training and coaching program on the market. I personally coach you on your path to create the life of your dreams. I will help you CRUSH it in this business! - if you'd like to receive information about our program, text CRUSH to 41411 now. Recommended Resource Looking to invest in a multi-family real estate project? Want to partner with me personally on a deal? To schedule a time for us to talk click on this link: http://www.meetme.so/RodKhleif2 Review and Subscribe acquisitions, Josh Sterling, apartment investing, apartments, appreciation, Assisted Living, broker, brokers, business, cash flow, cashflow, commercial, commercial real estate, CRE, CRE investing, Defaulted paper, Donald Trump, entrepreneur, equity, Eviction, expert, experts, Foreclosure, funding, Hedge fund, investing, investing in real estate, investments, Rod Khleif, Rod Khleif Florida, Rod Khleif Real Estate, Riyad Khleif , manager, mergers, millionaire, multi-family, multifamily, Office, passive income, podcast, private lending, private money, property management, raw land investing, real estate, real estate broker, real estate cashflow, real estate coaching, real estate investing, real estate investor. Investing, REIT, Retail, Robert Kiyosaki, sales, Sales Coach, sales expert, Sales Training, Self Storage, Selling, Senior Living, Shopping Center, Short Sale, Suburban Office, syndication, training, value add, Repositioning assets, multi-family expert, multifamily expert, multi family investing, multifamily training

‘Don't worry about everything you don't know today.' Josh Sterling's advice for aspiring real estate investors? Jump in head first and take massive action. In fact, if Josh could go back and offer some advice to his 17-year-old self, he would recommend skipping college and getting on the fast track to multifamily as soon as possible! But Josh didn't know that then, and he pursued a degree in aeronautical science from Embry-Riddle University. He got a job as a commercial airline pilot and had worked his way up to captain when the recession hit, and his hard work was rewarded with a demotion and a pay cut. Josh decided then and there that he needed a side hustle that he could control, and he landed on real estate. Josh was eventually able to quit his job and pursue real estate full-time, growing his portfolio to a cool 250 units. Josh has also grown his business, building out his own property management team. Today he walks us through his first deals in the single-family space, discussing the challenges of managing 25 properties and how that struggle inspired his shift to multifamily. Josh offers his insight around building relationships with a few good brokers, describing how he has scaled to 250 units with the help of just two realtors. He explains his approach to multifamily syndication, sharing how multifamily allowed him to quit his job, go to work on his own terms, and have lunch with his 18-month old daughter any time he wants. Listen in for Josh's advice about establishing credibility—with or without a track record—and getting on the fast track to multifamily. Key Takeaways What inspired Josh to pursue real estate Working as airline pilot Demotion with pay cut in 2008 Looking for something could control Josh's first deal in September 2009 $40K single-family in southeast Michigan Buy and hold strategy Why Josh made the shift to multi-family Owned 25 single-family rentals by 2012 Needed help with management Multifamily necessary to scale business Josh's first multifamily deal Colleague introduced to commercial broker Approached with 24-unit off-market deal Couldn't get numbers to work, deal fell apart Seller reached out twelve months later Bought under land contract for $515K at 6% Upgraded units, occupancy rose from 42% to 100% Cash out refi after 14 months (valuation at $800K) Josh's next multifamily deal Same broker approached with 53-unit deal Used capital from refi of 24-unit property Josh's approach to raising money Share enthusiasm for real estate with family, friends Leverage portfolio for credibility Josh's first experience with syndication $1.3M building under contract Needed to raise $300K to close Put out sample deal package Fully subscribed in 24 hours How quitting his day job changed Josh's life Left in May of 2016 (owned 140 units) Work on own terms to grow business Aggressively looking for deals Fly to play golf, see concerts What Josh would tell his 17-year-old self Skip college, buying first home Pursue multifamily right away View regular job as means to end How to fast track a career as a real estate investor Get educated quickly Build relationships with brokers Don't worry about bank financing Demonstrate credibility to raise equity What Josh is excited about right now Building own property management team Building self out of day-to-day operations Focus on networking, maintaining broker relationships Josh's advice for aspiring real estate investors Take massive action Build reputation, relationships Connect with Josh Email: josh@epicpropertymanagement.com Epic Property Management Resources LoopNet Freddie Mac Small Balance Loan Entrepreneurs' Organization Michael's Coaching Programs Free eBook: The Secret to Raising Money to Buy Your First Apartment Building Review the Podcast on iTunes

Guest Sermon from Josh Sterling on The Good Shepherd

Today we speak with Josh Sterling who is based out of Michigan and is a former airline pilot and air traffic controller who accidentally became a real estate investor in 2009. Since then he has grown his portfolio to over 200 units, started syndicating apartments, building new construction and started a property management company.  Josh is full of experience and has some great advice on getting started and growing your business quickly. Press play and learn how you can too!

This week on Story Time with Tommy, Josh Sterling of Epic Property Management discusses several on going new construction projects he has going on downriver in South East Michigan. Josh Sterling http://epicpropertymanagement.com (734)225-6934 Tommy Desmond http://www.tommydesmond.com http://twitter.com/tommydesmond http://www.biggerpockets.com/users/tommydesmond http://Oaklandcountyinvestors.com Renegade Detroit Investors http://RenegadeDetroit.com http://MeetUp.com/RenegadeDetroitInvestors http://Facebook.com/DetroitInvestmentClub http://Twitter.com/JeremyBurgess http://Youtube.com/user/DetroitWholesalers http://SoundCloud.com/RenegadeDetroitInvestors http://itunes.apple.com/us/podcast/renegade-detroit-investors

This week on Story Time with Tommy, Josh Sterling of Epic Property Management discusses syndicating apartment deals and other apartment deals he has done and is working on in South East Michigan. Josh Sterling http://epicpropertymanagement.com (734)225-6934 Tommy Desmond http://www.tommydesmond.com http://twitter.com/tommydesmond http://www.biggerpockets.com/users/tommydesmond http://Oaklandcountyinvestors.com Renegade Detroit Investors http://RenegadeDetroit.com http://MeetUp.com/RenegadeDetroitInvestors http://Facebook.com/DetroitInvestmentClub http://Twitter.com/JeremyBurgess http://Youtube.com/user/DetroitWholesalers http://SoundCloud.com/RenegadeDetroitInvestors http://itunes.apple.com/us/podcast/renegade-detroit-investors

If you've ever wondered what it takes to acquire a 40-unit apartment community, then you don't want to miss hearing Josh Sterling take you through the process step-by-step. You might recognize Josh from Episodes 33 & 34 where he discussed his Buy & Hold portfolio in Single Family, Multifamily & Apartment rentals.  Josh is also the owner of Epic Property Management near Detroit, Michigan.  Josh recently acquired this 40-unit in Newport, Michigan, and he's going to walk us through the entire process.  Josh discusses the broker relationship that gained him access to this deal, how he ran his initial numbers, the site visit, the Letter of Intent, negotiating the purchase price, the purchase agreement, due diligence, the physical inspection, working with the lender, committing his own money toward earnest funds and bank fees, raising other people's money through syndication, pro-rating property taxes, closing the deal, and managing the property after acquisition. If you're looking for actionable information that will help you do your next deal, then you owe it to yourself to hear what Josh has to say. And if you like what you hear, do me a favor and go to to itunes to give us a review & rating. Enjoy!

Last week I spoke with Josh Sterling about his Single Family Rental Investments and the plateaus he's overcome while building his portfolio from 1 to 160 units. This week, in part two of our conversation, Josh and I discuss the 24 Unit Apartment Community he purchased on Land Contract that had a 42% occupancy rate and how he managed to turn that around.  Josh shares how he improved the occupancy to near 100%, and cash-out refinanced all of the money he originally invested.  We discuss the "Infinite Return" he's created by no longer having any of his own money in the investment, while still cash-flowing $5,400 a month.  This is the Holy Grail of real estate investing, and Josh is going to tell us how he did it. We'll also talk about the 53-unit Josh purchased next, how he built his team at Epic Property Management, the systems and property management software he put in place to help build his portfolio, as well as new construction projects he's undertaken recently. This episode is bursting with great information for novice & seasoned investors.  Be ready to take lots of notes! http://epicpropertymanagement.com/  

Josh Sterling is a Buy & Hold Real Estate Investor from South-East Michigan.  He began buying Single Families in 2009, and since then has grown his SFH, Multi-Family and Apartment portfolio from 1 to 160 units. Today, in Part 1 of my interview with Josh, we discuss his trajectory from a novice investor and landlord making a lot of mistakes, to a seasoned professional who owns 160 units as well as his own management company called Epic Property Management. http://epicpropertymanagement.com/ Josh is happy to share his experiences and stories about learning how to evict tenants, rehabbing properties, raising investor money and overcoming the plateaus on his path from 1 to 160 units.  No matter what level of investor you are, you'll definitely find a lot of great wisdom in my conversation with Josh.

This week I sit down with Josh Sterling. We chat about buying real estate before the crash, overwhelming debt, building a rental empire, and buying apartments. More Show Notes to Follow Show Quote of the Week: “So we shall let the reader answer this question for himself: who is the happier man, he who has braved the storm of life and lived or he who has stayed securely on shore and merely existed?” ― Hunter S. Thompson Josh Sterling: Epic Property Management, LLC www.epicpropertymanagement.com (734)225-6934 Renegade Detroit Investors http://RenegadeDetroit.com http://MeetUp.com/RenegadeDetroitInvestors http://Facebook.com/DetroitInvestmentClub http://Twitter.com/JeremyBurgess http://Youtube.com/user/DetroitWholesalers http://SoundCloud.com/RenegadeDetroitInvestors http://itunes.apple.com/us/podcast/renegade-detroit-investors

Steve and Jill Talk with Josh Sterling Jack Butala: Steve and Jill Talk with Josh Sterling. Every Single month we give away a property for free. It's super simple to qualify. Two simple steps. Leave us your feedback for this podcast on iTunes and number two, get the free ebook at landacademy.com, you don't even have to read it. Thanks for listening. Jack Butala:                   Josh Sterling grew up in Lake Tahoe, California and spent 5 years as an airline pilot. He's currently an air traffic controller at Detroit metro airport. He moved to Michigan, and began real estate investing in 2009, where he currently owns, and manages 125 units, and flips 12 to 15 properties per year. He also runs a property management company called Epic Property Management. Josh Sterling, welcome, man. Josh Sterling:                     Thank you, thanks for having me. Jill DeWit:                            Hi, Josh. Josh Sterling:                     Hi, Jill. Jack Butala:                   Pretty interesting. You know, looks like we all have a lot in common. I'm from Detroit, and Jill's a pilot, so we could make this podcast 3 or 4 hours long if we wanted to. Jill DeWit:                            Don't forget the California thing. I just picked up on that Tahoe thing. I'm like "Wow!" Josh Sterling:                     Yeah. Jack Butala:                   Usually people move west, man. You moved east. Josh Sterling:                     You know what? They say you only move to Michigan for money or love, so we came here for ... My wife is from a town called Trenton just south of Detroit, and we came here to get into the real estate business and to be close to where she lives, so I guess both of those. Jack Butala:                   Boy, I have a zillion questions, so you moved to Michigan to get into the real estate business. Josh Sterling:                     Yes. Jack Butala:                   Because I moved to Arizona to get out of the Michigan real estate business. Josh Sterling:                     Yeah. It was a combination of some things ... The airline life, as I think Jill knows a little bit about, the airline life can jostle you around a little bit, and so part of that directed me here and then I met my wife actually out in Las Vegas of all places, on a vacation. She was from here. Next thing you know, here we are. Actually, the buying old market up here. I don't know what you were in exactly, but the buy and old market is really actually excellent up here. I think it's a great little niche that we're in. Jack Butala:                   No, I'm sure it is. You know I left Michigan in the ... When it ... It had nowhere to go except up back then, so yeah I'm sure. Josh Sterling:                     Yeah. Yeah. Also, I always have to clarify, when I do these things because I think there's people all over the country, and if they're anything like most of my friends, I'm not actually in Detroit. In fact I don't invest in Detroit at all. I wouldn't touch Detroit. We're about a half hour south of Detroit and it's a world away. I mean we're talking night and day difference. Jack Butala:                   Yeah. Well I know that for sure. I know exactly where Trenton is. It's right before Toledo, right? Josh Sterling:                     Yeah. Well we're ... Actually we're probably about halfway between Detroit and Toledo. Basically, the downriver market. Jack Butala:                   Right. Give us an overview on the industry or the micro-industry that you're in there. You must be doing something right if you've accumulated 125 units since 2009. That's great. Josh Sterling:                     Yeah. I mean I guess a lot of it was luck or fortunate timing on our part. We moved here back in '09 and accidentally got into this. My wife had a property that she had bought at the peak of the market. The thing is still upside down to this day. We still have it as a rental.

Steve and Jill Talk with Josh Sterling Jack Butala: Steve and Jill Talk with Josh Sterling. Every Single month we give away a property for free. It's super simple to qualify. Two simple steps. Leave us your feedback for this podcast on iTunes and number two, get the free ebook at landacademy.com, you don't even have to read it. Thanks for listening. Jack Butala:                   Josh Sterling grew up in Lake Tahoe, California and spent 5 years as an airline pilot. He's currently an air traffic controller at Detroit metro airport. He moved to Michigan, and began real estate investing in 2009, where he currently owns, and manages 125 units, and flips 12 to 15 properties per year. He also runs a property management company called Epic Property Management. Josh Sterling, welcome, man. Josh Sterling:                     Thank you, thanks for having me. Jill DeWit:                            Hi, Josh. Josh Sterling:                     Hi, Jill. Jack Butala:                   Pretty interesting. You know, looks like we all have a lot in common. I'm from Detroit, and Jill's a pilot, so we could make this podcast 3 or 4 hours long if we wanted to. Jill DeWit:                            Don't forget the California thing. I just picked up on that Tahoe thing. I'm like "Wow!" Josh Sterling:                     Yeah. Jack Butala:                   Usually people move west, man. You moved east. Josh Sterling:                     You know what? They say you only move to Michigan for money or love, so we came here for ... My wife is from a town called Trenton just south of Detroit, and we came here to get into the real estate business and to be close to where she lives, so I guess both of those. Jack Butala:                   Boy, I have a zillion questions, so you moved to Michigan to get into the real estate business. Josh Sterling:                     Yes. Jack Butala:                   Because I moved to Arizona to get out of the Michigan real estate business. Josh Sterling:                     Yeah. It was a combination of some things ... The airline life, as I think Jill knows a little bit about, the airline life can jostle you around a little bit, and so part of that directed me here and then I met my wife actually out in Las Vegas of all places, on a vacation. She was from here. Next thing you know, here we are. Actually, the buying old market up here. I don't know what you were in exactly, but the buy and old market is really actually excellent up here. I think it's a great little niche that we're in. Jack Butala:                   No, I'm sure it is. You know I left Michigan in the ... When it ... It had nowhere to go except up back then, so yeah I'm sure. Josh Sterling:                     Yeah. Yeah. Also, I always have to clarify, when I do these things because I think there's people all over the country, and if they're anything like most of my friends, I'm not actually in Detroit. In fact I don't invest in Detroit at all. I wouldn't touch Detroit. We're about a half hour south of Detroit and it's a world away. I mean we're talking night and day difference. Jack Butala:                   Yeah. Well I know that for sure. I know exactly where Trenton is. It's right before Toledo, right? Josh Sterling:                     Yeah. Well we're ... Actually we're probably about halfway between Detroit and Toledo. Basically, the downriver market. Jack Butala:                   Right. Give us an overview on the industry or the micro-industry that you're in there. You must be doing something right if you've accumulated 125 units since 2009. That's great. Josh Sterling:                     Yeah. I mean I guess a lot of it was luck or fortunate timing on our part. We moved here back in '09 and accidentally got into this. My wife had a property that she had bought at the peak of the market. The thing is still upside down to this day. We still have it as a rental.

Our Best Ever guest is not a full time investor, but he still manages to fix and flip 12 homes a year! He has established a power team that works cohesively in the Detroit, Michigan area. He was inspired by a previous guest on the show, Josh Sterling, who challenged him to jump in! Hear his story!   Best Ever Tweet: Money is just a tool to make more money.   Tom Wooderson’s real estate background: Been investing for three years and is an active real estate agent, wholesaler, hard money lender and rehabber He’s on track to rehab 12 properties in 2015 while having a full-time job Based in Detroit, Michigan and graduated from Michigan State University and thomaswooderson.com     Subscribe in   and    so you don't miss an episode! Made Possible Because of Our Best Ever Sponsors: You find the deals. We’ll fund them. Yes, it’s that simple. Fund That Flip is an online lender that provides fast and affordable capital to real estate investors. We make funding your projects easy so you can focus on what you do best…rehabilitating homes. Learn more at .   What’s the Best Ever health plan for YOU?   Go to and find a better health plan in 10 minutes or less. On average you'll save $418 on coverage and care.  

Today I'm excited to interview a great investor here in my local Michigan market. Get ready to learn and take some notes! I know Josh Sterling personally and I'm thrilled to talk to him about his business. He grew up in California and was an airline pilot for five years. He moved to Michigan in 2009 and that's when he started investing in real estate. He owns and manages 125 units, flips 12-15 properties per years, and runs a property management property. And on top of all this, he currently has a full-time job as an air-traffic controller! For all of you out there thinking that you can't invest in real estate because you have a full-time job, listen closely to this episode and find out how Josh does it.

Working a full time job while investing in real estate is not always easy – but as our guest today shows us: it’s totally possible. On today’s show we chat with Josh Sterling, a real estate investor who has built up a portfolio of fifty units (complete with rehabs and doing his own management) all while working a full time job.Discover the tricks, tactics, and systems that Josh has used, as well as an inside look at his creative finance methods to acquire these properties. This show is definitely one that people will want to come back to time and time again!In This Show, We Cover:Why doing things “the typical way” may not have been the right pathInvesting when the bank says “no.”How Josh used credit cards to buy his first few propertiesPortfolio lenders: the best technique for finding oneUsing a blanket loan to buy and sell real estateUsing the 2% rule to screen for great propertiesHow Josh managed his real estate business while having a full time jobHow Josh finds deals Using Homepath Mortgages for 10% down investment loansHow Josh found his first apartment complex using Facebook!Dealing with tenants while working a full time jobAnd so much more! Links from the ShowBiggerPockets.com/pro (New Video!)BP Podcast 048: Duplex Investing, Finding Great Properties, and Tips for Managing Tenants with Darren SagerBP Podcast 055: The Five Steps Needed to Get Any Lender to Say “Yes” with Jimmy MoncriefThe 2% RuleBP Podcast 061: How to Succeed in Multifamily Investing – A Unique Conversation with Josh, Brandon, and BenHomePath.comBP Podcast 063: Automating Your Investing, Long Distance Rehabs and Spec Building with J ScottJason Hartman PodcastBuildium Property Management SoftwareTweetable Topics“If you can stand out, do extra work – you are going to get incredible results.” (Tweet This!)“Buy and Hold real estate is the best way to build wealth.” (Tweet This!)“I’m much more of a ‘ready fire aim’ kind of guy.” (Tweet This!)“Be proactive, not reactive, when looking for contractors.” (Tweet This!)Books Mentioned in the ShowRich Dad, Poor Dad by Robert KiyosakiThe Snowball: Warren Buffett and the Business of Life by Alice SchroederConnect with Josh!Josh Sterling’s BiggerPockets Profile