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Welcome to the family! You have a place here!Please let us know if you are watching our stream for the first time, if you have made a decision, or need prayer – text CONNECT to (941) 260-1395 or click here: https://form.church/connectionClick here if you would like to give online: https://engage.suran.com/familychurchpc/ Music used with permission, CCLI License # 594759, Streaming Plus License # 21044022New Name Written Down in Glory CCLI Song # 7125340Charity Gayle | David Gentiles | Denita Gibbs | The Emerging Sound© 2018 New Hope Road Music; Tent Peg Music; The Emerging Sound PublishingHoly Forever CCLI Song # 7201044Brian Johnson | Chris Tomlin | Jason Ingram | Jenn Johnson | Phil Wickham © 2022 Brian and Jenn Publishing; Capitol CMG Paragon; S. D. G. Publishing; Be Essential Songs; My Magnolia Music; Phil Wickham Music; Simply Global Songs; Bethel Music PublishingAt Calvary CCLI Song # 55298Daniel Brink Towner | William Reed Newell © Words: Public Domain; Music: Public DomainWhat He's Done CCLI Song # 7189257Anna Golden | Jacob Sooter | Kristian Stanfill | Tasha Cobbs Leonard © 2021 Capitol CMG Paragon; KPS 1.0; Meadowgreen Music Company; sixsteps Music; Tasha Cobbs Music Group; TeeLee Records Songs; worshiptogether.com songs; Just When Publishing; So Essential TunesIn Jesus Name (God of Possible) CCLI Song # 7186326David Spencer | Ethan Hulse | Jeff Pardo | Katy Nichole © BrentHood Music; Centricity Songs; Meaux Mercy; Be Essential Songs; David Spencer Songs; Hulse House MusicJesus Messiah CCLI Song # 5183443Chris Tomlin | Daniel Carson | Ed Cash | Jesse Reeves © 2008 Rising Springs Music; Vamos Publishing; worshiptogether.com songs; Wondrously Made
Die Mediaagenturen sind die Gatekeeper im Media-Business. Mit Verbands-Geschäftsführer KPS sprechen darüber, was das Mediajahr 2025 bringt und die Initiative 18, die es sich zur Aufgabe gemacht hat Werbungtreibende, Mediaagenturen und Anbieter in die Pflicht zu nehmen für den erhalt einer vielfältigen Medienlandschaft als Voraussetzung für eine demokratische meinungspluralistische Gesellschaft.
V letu spomina, ko mineva 80 let od konca druge svetovne vojne, komunističnega prevzema oblasti in tudi povojnih pobojev, smo se odločili, da bomo v oddaji Moja zgodba objavili nekaj pričevanj, izpovedi članov VOS (Varnostno obveščevalne službe). VOS je bila skrivna partijska oborožena formacija, ki jo je v okviru Osvobodilne Fronte avgusta 1941 osnoval Centralni komite KPS. VOS je nastopala proti dejanskim in domnevnim nasprotnikom partizanskega gibanja. Med najvidnejšimi žrtvami VOS so bili predstavniki slovenskega predvojnega političnega življenja, učitelji, župani, oficirji, sodniki, duhovniki, člani Katoliške akcije, intelektualci, veliki kmetje, podjetniki in vsi, ki so odkrito nasprotovali komunistični ideologiji.Pričevanja, ki jih boste slišali in so bila posneta s strani vosovcev samih, so nastala v letih 1978 in 1979 verjetno kot želja, da se o njihovem delovanju med okupacijo obrani njihova vloga, saj so se v povojnem času začeli pojavljati prvi ugovori proti revolucionarnemu nasilju. Tu je treba omeniti znameniti intervju Borisa Pahorja in Alojza Rebule s pesnikom in politikom Edvardom Kocbekom, ki je leta 1975 priznal povojne poboje, ki jih je zagrešila Partija nad idejnimi nasprotniki. Takrat je v Sloveniji takratni Socialistični Sloveniji završalo, kajti šlo je veliko število razoroženih vojakov, ki so izginili v rudniških jaških, kraških jamah in breznih. Ob tem pa se je odvilo tudi veliko drugih skrivnih izpovedi povezanih z revolucionarnim terorjem. Tako lahko tu omenimo med drugim igro Ob 7h pod Trančo, ki jo je ob 20 letnici vstaje že leta 1961 napisal Boris Grabnar. Leta 1975 so jo na RTV Ljubljana posneli kot igro, ki jo je režiral Jože Kloboves in je razbesnela vrh nekdanje VOS. Tako je Edo Brajnik Štefan pisal svojemu vosovskemu kolegu, takrat direktorju RTV Ljubljana Janezu Vipotniku, »da tako interpretiranje vosa in NOB odklanja in obsoja kot netočno, kot falsificiranje dokazanih resnic, kot napad na NOB, na Partijo, kot sovražno dejanje ...« Mimogrede naj povem, da je omenjeno delo sicer zavedeno v Bazi slovenskih filmov, vendar posnetka ni, razen avtorja in režiserja tudi ni podatkov o ekipi, skratka izgleda kot bi bil film uničen ali umaknjen ... Brajnik nato Vipotnika vabi, »da si z ostalimi vosovci ogleda to »igro« in obvezno sodeluje pri njihovih zaključkih. Eden od zaključkov bi lahko bila tudi odločitev za snemanje pričevanj nekdanjih članov VOS, kar so izvedli v letih 1978 in 1979. Na 63 kolutih se je ohranilo pričevanje več kot 70. članov Varnostno obveščevalne službe iz celotne Slovenije. Vsa pričevanja so bila prepisana in so kot pogovori z vosovci dosegljiva v Arhivu Republike Slovenije. Originalna pričevanja pa so še posebej zanimiva tudi kot govorjena beseda, saj se v prepisih lahko izgubi kak poudarek. Zato smo se odločili, da bomo nekaj pričevanj objavili v celoti s komentarjem, ki nam bo pomagal določene dogodke bolj razumeti. Začeli bomo s pričevanjem Eda Branika Štefana posnetim maja 1979, ki nam ga bo s komentarji skušal bolj razložiti znanstveni sodelavec Študijskega centra za narodno spravo dr. Damjan Hančič, ki je svoje delo usmeril predvsem v raziskovanje totalitarnih režimov na Slovenskem v 20. stoletju, zlasti revolucionarnega nasilja med drugo svetovno vojno in neposredno po njej, ter različnih vidikov nemške okupacije na Gorenjskem v letih 1941–1945. Je eden od vodilnih raziskovalcev revolucionarnega nasilja v Sloveniji.Brajnikovo pričevanje, ki je v celoti dolgo 47 minut, smo predvajali po kosih in komentirjih razlagamo takratno dogajanje v Ljubljani. To je 1. del pričevanja!
Tinashe Chaponda, native of Zimbabwe, WMU and KPS graduate, recently names to Forbes "30 under 30" list, visited with us as he launches an innovative scholarship program to help provide some of the same opportunities he had to help him.See omnystudio.com/listener for privacy information.
Welcome to the family! You have a place here!Please let us know if you are watching our stream for the first time, if you have made a decision, or need prayer – text CONNECT to (941) 260-1395 or click here: https://form.church/connectionClick here if you would like to give online: https://engage.suran.com/familychurchpc/ Music used with permission, CCLI License # 594759, Streaming Plus License # 21044022How Great (Psalm 145) CCLI Song # 7190356Bob Kauflin | Jordan Kauflin | Nathan Stiff © 2021 Sovereign Grace Praise; Sovereign Grace WorshipWhat He's Done CCLI Song # 7189257Anna Golden | Jacob Sooter | Kristian Stanfill | Tasha Cobbs Leonard © 2021 Capitol CMG Paragon; KPS 1.0; Meadowgreen Music Company; sixsteps Music; Tasha Cobbs Music Group; TeeLee Records Songs; worshiptogether.com songs; Just When Publishing; So Essential TunesHow Great Thou Art CCLI Song # 14181Stuart Wesley Keene Hine © Copyright 1949 and 1953 Stuart Hine Trust CIO Stuart K. Hine TrustYou've Already Won CCLI Song # 7194845Bryan Fowler | Shane Barnard © 2022 Songs From Wellhouse; Be Essential Songs; bryanfowlersongsJesus Messiah CCLI Song # 5183443Chris Tomlin | Daniel Carson | Ed Cash | Jesse Reeves ©2008 Rising Springs Music; Vamos Publishing; worshiptogether.com songs; Wondrously Made Songs
Welcome to Extraordinary Church's Weekend Worship Experience! Extraordinary Church is the perfect church for imperfect people. We believe in the power of God's love and Spirit to transform lives and bring about extraordinary change. Whether you've been a believer for years or are searching for something more, we invite you to join us on this extraordinary journey of pursuing Jesus. Get ready to dive into a powerful midweek experience that will uplift and inspire you. Our Weekend Worship Experience happens every Sunday at 3 pm EST, and we have made it easily accessible for everyone. Tune in via YouTube, Facebook, our website, or our user-friendly mobile app. Wherever you are, we're here to connect with you! During our Weekend Worship Experience, you can expect dynamic worship, relevant teaching, and practical insights from the Word of God. We create a space where believers can grow deeper in their faith while reaching out to those who may have never stepped foot inside a church. It's a place where you can encounter God's presence and experience His extraordinary love firsthand. Don't miss out on this exciting opportunity to connect, grow, and be inspired! Join us at Extraordinary Church's Weekend Worship Experience every Sunday at 3 pm EST. Get ready to discover a community that embraces your imperfections and encourages you to embrace God's extraordinary plan for your life. Remember, you are welcome here, just as you are. Come and be a part of something extraordinary! Subscribe to our YouTube channel, follow us on Facebook, visit our website, or download our mobile app to stay connected and never miss an update. See you at Weekend Worship Experience! #ExtraordinaryChurch #MidweekBibleConnection #EmbraceTheExtraordinary #ExtraordinaryIsHere Worship Set Glorious Day CCLI Song # 7081388 Jason Ingram | Jonathan Smith | Kristian Stanfill | Sean Curran © 2017 KPS 1.0; sixsteps Music; sixsteps Songs; Sounds Of Jericho; Worship Together Music; worshiptogether.com songs; Fellow Ships Music; Hickory Bill Doc; So Essential Tunes For use solely with the SongSelect® Terms of Use. All rights reserved. www.ccli.com CCLI License # 11449541 Echo CCLI Song # 7116872 Charity Gayle | Joshua Sherman | Paul Herman | Ryan Kennedy | Steven Musso | The Emerging Sound © 2017 New Hope Road Music; Tent Peg Music; The Emerging Sound Publishing; pH Balanced Communications For use solely with the SongSelect® Terms of Use. All rights reserved. www.ccli.com CCLI License # 11449541 Such An Awesome God CCLI Song # 7130622 Heath Balltzglier | Johnny Hamilton | Jonathan Jay | Mitch Wong Heritage Worship Music Publishing; Maverick City Publishing; Centricity Songs; Music At North Point; Let There Be Songs; A Wong Made Write Publishing; Integrity's Praise! Music For use solely with the SongSelect® Terms of Use. All rights reserved. www.ccli.com CCLI License # 11449541 This Dwelling Place 2020 Urshan College
In this episode of That Kingsville Podcast, Erie Shores Healthcare President and CEO Kristin Kennedy talks about future plans for healthcare in our community. Lt. Gary Lucier and Ethan Wuerch join us to talk about Cadets in Kingsville. The guys discuss the Mayor's Vision presentation for the KPS and KDHS sites. Thanks to Kingsville Brewery for supporting the podcast.
On this episode of That Kingsville Podcast, Retired teacher and GECDSB trustee Nancy Armstrong joins us to discuss her experiences and challenges in the Kingsville School naming controversy. We also discuss the town information gathering meeting regarding the potential purchase of the KDHS and KPS properties.
Welcome to the family! You have a place here!Please let us know if you are watching our stream for the first time, if you have made a decision, or need prayer – text CONNECT to (941) 260-1395 or click here: https://form.church/connectionClick here if you would like to give online: https://engage.suran.com/familychurchpc/ Music used with permission, CCLI License # 594759, Streaming Plus License # 21044022This Is Amazing Grace CCLI Song # 6333821Jeremy Riddle | Josh Farro | Phil Wickham © 2012 Phil Wickham Music; Seems Like Music; Sing My Songs; Bethel Music Publishing; WC Music Corp.Faithful Now CCLI Song # 7137533Eddie Hoagland | Hank Bentley | Jonathan Smith | Mia Fieldes © Capitol CMG Paragon; Songs By That Dog Will Hunt; All Essential Music; Be Essential Songs; HBC Worship Music; Hickory Bill Doc; Jingram Music Publishing; So Essential Tunes; Upside Down UnderWhat He's Done CCLI Song # 7189257Anna Golden | Jacob Sooter | Kristian Stanfill | Tasha Cobbs Leonard © 2021 Capitol CMG Paragon; KPS 1.0; Meadowgreen Music Company; sixsteps Music; Tasha Cobbs Music Group; TeeLee Records Songs; worshiptogether.com songs; Just When Publishing; So Essential TunesHow Great Is Our God CCLI Song # 4348399Chris Tomlin | Ed Cash | Jesse Reeves © 2004 Rising Springs Music; Vamos Publishing; worshiptogether.com songs; Wondrously Made SongsKing of Kings CCLI Song # 7127647Brooke Ligertwood | Jason Ingram | Scott Ligertwood © 2019 Hillsong Music Publishing Australia; Fellow Ships Music; So Essential Tunes
Welcome to the SYNC Your Life podcast episode #264! On this podcast, we will be diving into all things women's hormones to help you learn how to live in alignment with your female physiology. Too many women are living with their check engine lights flashing. You know you feel “off” but no matter what you do, you can't seem to have the energy, or lose the weight, or feel your best. This podcast exists to shed light on the important topic of healthy hormones and cycle syncing, to help you gain maximum energy in your life. In today's episode, I'm interviewing Jen Delvaux, breast cancer survivor, Integrative Health Practitioner, co-host of the Not Today Cancer podcast, and author of “Not Today Cancer,” found here. Jen is a health and fitness coach. In February of 2021 she was diagnosed with breast cancer. She had always enjoyed researching new health hacks prior to her cancer diagnosis, but now she has made it her mission to help others take back the power over their diagnosis as well as to thrive during and after treatments. Along with her husband, she hosts the podcast, “Not Today Cancer with Mr. Worldwide & His Bride” where they talk openly and honestly about their own struggles. Darren was diagnosed with brain cancer in 2009, and the podcast takes a deep dive into how they have been able to get through it all in a positive way. They are truly an inspiring couple! In this episode, Jen references the Unplug app, a free trial for which can be found here. She also references KPS products, found here at a discount. She's also a fan of Pique tea, which can be found here. The supplements Jen mentioned are as follows: Organic non-GMO loose leaf tea (Pique tea) Turmeric Vitamin D Magnesium Melatonin You can find Jen at jendelveaux.com or via Instagram @JenDelveaux. If you feel like something is “off” with your hormones, check out the FREE hormone imbalance quiz at sync.jennyswisher.com. To learn more about the SYNC Digital Course, check out jennyswisher.com. Let's be friends outside of the podcast! Send me a message or schedule a call so I can get to know you better. You can reach out at https://jennyswisher.com/contact-2/. For more information about virtual telehealth consults with Dr. Paige, click here. To learn more about SYNC fitness, click here. Enjoy the show! Episode Webpage: jennyswisher.com/podcast
Larry Murray is a distinguished Senior Captain with Montgomery County Fire and Rescue Services in Maryland, bringing a wealth of experience from his decorated military background as a former Marine and Air National Guard member. With additional expertise as a licensed home inspector and years of hands-on construction work, Larry combines his diverse skills to deliver exceptional service and leadership in both his professional and community roles. Here's some of the topics we covered: Assembling Your Dream Team Securing the Perfect Sponsor Mastering the Art of Re-Trading Crafting a Winning Letter of Intent Navigating the Purchase and Sale Agreement GPs, KPs, and Strategic Leverage Positioning Your Funds for the Imminent Market Reset Defining the Qualities of a True Leader If you'd like to apply to the warrior program and do deals with other rockstars in this business: Text crush to 72345 and we'll be speaking soon. For more about Rod and his real estate investing journey go to www.rodkhleif.com
Der DAX sackte heute im Tagestief auf 18.515 Punkte ab, stabilisierte sich jedoch im Tagesverlauf und ging mit 18.693 Punkten ins Wochenende – ein Minus von 1,5 Prozent. Die Handelswoche hinterlässt Sorgenfalten und Fragezeichen. Aus dem Börsenradio-Studio meldet sich Peter Heinrich. Mehr dazu von Konstantin Oldenburger von CMC. Vor der Wall Street liegt ein langes Wochenende, und die Euphorie über die Nvidia-Zahlen ist der Ernüchterung in Sachen Geldpolitik gewichen. Firmenmeldungen: Rheinmetall: Großauftrag für Artilleriemunition im Wert von knapp 300 Millionen Euro erhalten, Lieferung bis 2028. Siemens: Trennung von Randgeschäften weitgehend abgeschlossen, verkaufte Antriebs-Tochter Innomotics für 3,5 Milliarden Euro an KPS. VW: Gespräche über Produktionspartnerschaften in Indien, Markt trotz geringer Gewinnspannen potenziell interessant. FMC: Aktien sprangen nach positiven Studiendaten von Novo Nordisk, die das Nierenversagen-Risiko senken, an. Immofinanz: Plant Squeeze-Out der restlichen S-Immo-Aktien. Samsung KI-Chips bei Nvidia-Tests durchgefallen. Tesla: Drosselt Produktion des Model Y in China.
On this episode of That Kingsville Podcast, Leigh Ann Mastronardi, Cole Mastronardi, and Corrine Ross join the show to talk about the upcoming KDHS Send off Social. We also talk about the celebrations at KPS and JMPS. The guys talk Earth Day community clean up events, and rant about the broken traffic lights at Wigle and Main. Special thanks to Kingsville Brewery for supporting the podcast
Broadcasting live from BW3s on Westport Road!- KPs biggest problem - @ericcrawford started a KP countdown - UK up to a 4 seed- Green River and @TailspinAleFest 3:30- BLITZ 4 @TySpalding, @cdrummond97, @ZachOstermanSee omnystudio.com/listener for privacy information.
Broadcasting live from BW3s on Westport Road!- KPs biggest problem - @ericcrawford started a KP countdown - UK up to a 4 seed- Green River and @TailspinAleFest 3:30- BLITZ 4 @TySpalding, @cdrummond97, @ZachOstermanSee omnystudio.com/listener for privacy information.
Broadcasting live from BW3s on Westport Road!- KPs biggest problem - @ericcrawford started a KP countdown - UK up to a 4 seed- Green River and @TailspinAleFest 3:30- BLITZ 4 @TySpalding, @cdrummond97, @ZachOstermanSee omnystudio.com/listener for privacy information.
Thanks to Paige Faubert from KPS, Kinsey Kendrick from KDHS and Julia McInnis from Jack Miner for joining us to share their experiences on the community school naming committee. The episode, out Saturday, provides a student perspective on the board's naming decision for the new school.
Snowboards, motorbikes, horses - oh my! Join us as we discuss KPs pathological uncoordinatedness, and some of the many accidents she has experienced during her travels. Second-hand embarrassment guaranteed!
Keskiviikkon aamussa pärähti seuraavat läpät...Legendaarinen Crazy FrogKauppojen hyllyt tyhjillään hevostarvikkeista, mutta jengin wc-kaapit täynnä puteleita.Työpaikalla menestyminen riippuu ulkonäöstäsi.Miten ratkoa äänestystuloksen tasatilanne? Polttopallo? KPS? Pitkä tikku?Tietysti mukana myös kuulijoiden ja UMK-artistien epäsuosittuja mielipiteitä sekä Pornoo vai Saippuaa- skaba!
Welcome to the family! You have a place here! Please let us know if you are watching our stream for the first time, if you have made a decision, or are in need of prayer – text CONNECT to (941) 260-1395 or CLICK HEREClick here if you would like to give online: https://engage.suran.com/familychurchpc/ Music used with permission, CCLI License # 594759, Streaming Plus License # 21044022Angels from the Realms of Glory © Copyright 2016 Radiance Ministries. All rights reserved. Used by permission.Hark the Herald Angels Sing CCLI Song # 27738 Charles Wesley | Felix Mendelssohn-Bartholdy Words: Public Domain; Music: Public DomainJoy to the World/Joyful Joyful CCLI Song # 7128618 Edward Hodges | George Frideric Handel | Henry Van Dyke | Isaac Watts | Ludwig van Beethoven | Phil Wickham © 2018 Phil Wickham Music; Simply Global Songs; Sing My SongsO Come All Ye Faithful (His Name Shall Be) CCLI Song # 7163644 JD Myers | Kristian Stanfill © 2020 KPS 1.0; sixsteps Music; worshiptogether.com songs; Thank the Maker MusicI Believe CCLI Song # 4628318 Natalie Grant © 2005 Nat-In-The-Hat Music
Welcome to the family! You have a place here! Please let us know if you are watching our stream for the first time, if you have made a decision, or are in need of prayer – text CONNECT to (941) 260-1395 or CLICK HEREClick here if you would like to give online: https://engage.suran.com/familychurchpc/ Music used with permission, CCLI License # 594759, Streaming Plus License # 21044022Angels We Have Heard On High CCLI #5606951James Chadwick, Chris Tomlin Arr. by Joel Mott and Shane Ohlson Orch. by Joel Mott © 2009 worshiptogether.com Songs/ sixsteps Music / Vamos Publishing Joy to the World/Joyful Joyful CCLI Song # 7128618Edward Hodges | George Frideric Handel | Henry Van Dyke | Isaac Watts | Ludwig van Beethoven | Phil Wickham © 2018 Phil Wickham Music; Simply Global Songs; Sing My SongsO Come All Ye Faithful (His Name Shall Be) CCLI Song # 7163644JD Myers | Kristian Stanfill © 2020 KPS 1.0; sixsteps Music; worshiptogether.com songs; Thank the Maker Music
Welcome to The Spa Strong Podcast! This week, we are joined by two incredible human beings, Natalie Novak and Ron Webb, the founders of KPS Essentials. Together, Natalie and Ron Combined their unique knowledge-bases to create an advanced-skincare solution rooted in experience and innovation. KPS stands for Kind, Pure, and Smart skincare. Inspired by the mission of their company, KPS wants to give back by having YOU send in nominations to glowforgood@kpsessentials.com for any person who has a KINDNESS STORY. The winner will receive amazing products by KPS, so enter by the 28th of November to have a chance to win this incredible prize and spread joy!!! LINK TO YOUTUBE VERSION: CLICK HERE A little about Natalie and Ron: Natalie Novak's quest for safe, high-performance skincare began in 1987. While managing the counter of a high-end skincare brand in California, there was a devastating earthquake. When she returned to work, less than 5 hours after the earthquake, the skincare products from the broken bottles had completely eaten through the carpet and padding. Becoming a certified aesthetician and master-organic gardener as she dedicated herself to uncovering the truth about how these toxins were actually affecting the skin, and sought holistic solutions. Natalie's mastery of organics, soil nutrients, and industry knowledge as a celebrity aesthetician, led her to co-developing KPS Essentials' line of grounding-sensory skincare to effectively restore the skin and empower clients to return to homeostasis. Ron Webb's journey to the skincare industry began with his work as an aeronautical engineer at The Boeing Company. Decades of experience in aerospace technology development paired with his innovative spirit, history with plant-drug research, and holistic animal wound care all guided him along his path to inventing KPS Essentials' proprietary DermaNū Technology®.
The guys were joined this week...from the road...by Ken Fronheiser & Richard Johnston of Keystone Precision Solutions (KPS)! For the last 30 years, KPS has provided the solutions needed to get the job done. As a solutions-based company, Keystone Precision Solutions helps their customers increase productivity, become safer and more profitable. They offer a variety of total-service solutions, including training, seminars, rentals, repairs, and education, such as a series of seminars allowing land surveying professionals to obtain continuing education credits to maintain their licensure. The Keystone Precision Solutions brand will reaffirm their commitment to ensuring that they offer their customers the results they have come to know and value. Confucius was quoted. Music by Poison!
Welcome to the family! You have a place here! Please let us know if you are watching our stream for the first time, if you have made a decision, or are in need of prayer – text CONNECT to (941) 260-1395 or CLICK HEREClick here if you would like to give online: https://engage.suran.com/familychurchpc/ Music used with permission, CCLI License # 594759, Streaming Plus License # 21044022My Jesus CCLI Song # 7174531 Anne Wilson | Jeff Pardo | Matthew West © 2021 BrentHood Music; Capitol CMG Paragon; Jacobs Story Music; Meaux Mercy; Combustion Five; Third Story House MusicWhat He's Done CCLI Song # 7189257 Anna Golden | JacobSooter | Kristian Stanfill | Tasha Cobbs Leonard © 2021 Capitol CMG Paragon;KPS 1.0; Meadowgreen Music Company; sixsteps Music; Tasha Cobbs Music Group;TeeLee Records Songs; worshiptogether.com songs; Just When Publishing; So EssentialTunesI Believe CCLI Song # 7218424 Chris Davenport | Jonathan Smith | Phil Wickham CDavs Music; Songs For TIM; Be Essential Songs; Cashagamble Jet Music; Phil Wickham Music; Simply Global SongsAgnus Dei / King of Kings CCLI Song # 626713 Michael W. Smith © 1990 Sony/ATV Milene Music/ CCLI Song # 7127647 Brooke Ligertwood | Jason Ingram | Scott Ligertwood © 2019 Hillsong Music Publishing Australia; Fellow Ships Music; So Essential TunesJust As I Am CCLI Song # 5635850 Charlotte Elliott | David Moffitt | Sue C. Smith | Travis Cottrell | William Batchelder Bradbury © 2009 CCTB Music; First Hand Revelation Music; Universal Music - Brentwood Benson Publishing
We're back with season 3 of the Literacy Project Podcast! This first episode of season three is a continued invitation to look deeply at what structured literacy really is. When we left off last season, we discussed the Knowledge and Practice Standards for Teachers of Reading, referred to as the KPS, and the importance of having highly trained educators. Tune in as we review the KPS, look at the five pillars of reading instruction, define Structured Literacy, bust some myths about Structured Literacy, and finally, we'll offer tips to help others on this journey. Resources mentioned in this episode: Knowledge and Practice Standards for Teachers of Reading 1.3: Connecting Metacognition to Your Literacy Lessons 1.8: How Decodable Texts Support Social-Emotional Learning We officially have merch! Show your love for the Together in Literacy podcast! If you like this episode, please take a few minutes to rate, review, and subscribe. Your support and encouragement are so appreciated! Have a question you'd like us to cover in a future episode of Together in Literacy? Email us at support@togetherinliteracy.com! If you'd like more from Together in Literacy, you can check out our website, Together in Literacy, or follow us on Facebook and Instagram. For more from Emily, check out The Literacy Nest. For more from Casey, check out The Dyslexia Classroom. We're currently looking for guests and sponsors for season 3 of the Together in Literacy Podcast! Thank you for listening and joining us in this exciting and educational journey into dyslexia as we come together in literacy!
First Aired August 12, 2023The first-ever effort to provide tuition for every graduate of a school district happened in 2005 right next door to Battle Creek - with the Kalamazoo Promise. With Battle Creek Public School's first set of Bearcat Advantage scholars headed off to college, Community Matters asked one former Kalamazoo Public Schools insider to relate his observations and insights from his time when the Promise was just getting off the ground.Alex Lee spent much of his nearly 30-year tenure at KPS leading communications for the district while serving on the district's executive leadership team. Now retired, he looks back on the challenges and rewards of seeing kids who suddenly have their educational futures paid.Episode ResourcesKalamazoo Promise websiteBattle Creek Bearcat Advantage websiteMore Bearcat Advantage episodesBCPS Bearcat Advantage announcement videoW.K. Kellogg Foundation websiteW.K. Kellogg Foundation: New college scholarship builds equitable access to opportunity in Battle CreekABOUT COMMUNITY MATTERSFormer WBCK Morning Show host Richard Piet (2014-2017) returns to host Community Matters, an interview program focused on community leaders and newsmakers in and around Battle Creek. Community Matters is heard Saturdays, 8-8:30 AM Eastern on WBCK-FM (95.3) and anytime at battlecreekpodcast.com.Community Matters is sponsored by Lakeview Ford Lincoln.Battlecreekpodcast.com and The Richard Piet Show are Livemic Communications podcasts. Livemic Communications helps businesses, organizations and entrepreneurs create customized, purposeful podcast content.
Barry Martinson is known for his books, his music, and his work with stained glass. Even with his accomplishments, it is difficult to quantify how much Jesuit priest Barry Martinson and his brother Jerry (aka KPS' "Uncle Jerry") have done for the lives they touched. Martinson reminisces about his brother Jerry, and the brothers' legacy of service for the benefit of Taiwan. Note: the interview was recorded in Qingquan, Hsinchu County
FAN SERVICE EPISODE! JDO gets a business call from a bill collector, the city mafia, dumb money bullshit, living close to the bone, decision to steal, Robin Hood of Water, the cost of living has got people feeling down, The Idol, why does everyone hate this show?, what's the criteria for “earning trashiness”?, getting opinions from Twitter, caring about tabloids, engaging with the backstory of art, sublimating the urge to do something with dumb shit, Vikings fans, Shinya Tsukamoto's way of running a movie set, hiding old episodes, Hannibal lovefest, reaching your limits with gore, hating food sex, searching for the secret heart, music video style, agreeing to disagree, the monotone style of Succession, what is bad acting?, turning vocal chords into catgut violin strings, the many emotions of Mads Mikkelsen, Pusher II, Otaku: Database Animals, Beautiful Fighting Girls, and do otaku have a sexuality? PATREON: Fan service talk, different approaches to possession of work, management vs. embodiment, taking canon into your own hands, otakus as the zoomers of 90s japan, catgirls, a new type of queerness, being gay for your wife, Fire Force, spontaneous combustion, demon kids, big titties, shower rooms as safe zones, are girls bothered by any of this?, shirtless Jason Statham, alpha vs. beta responses, Food Wars, orgasming while eating, camel toe clenching, food hentai, great gifts from the wife, Dandadan, Turbo Granny, father and son chefs, self-editing writers, the alchemy of fun, the spontaneous nature of anime, passively reading hypersexual material, nerds who don't fuck, Basic Instinct, what fantasy readers like, what people get out of art, wabi-sabi, Kima's marker, John Scalzi's Kaiju Preservation Society, red shirts, Joss Whedon style, The Oatmeal, an excerpt from KPS, Twitter hates Scalzi, The Sound and the Fury, not dismissing things you don't care for, talking in memes, fast pacing, beer goggles, writing like Reddit, getting drunk and telling famous authors they suck, the Black Person Name Dictionary, the utility of having characters look at each other, grinning twice, a Snow Crash / Frozen joke, different humor life paths, ass booty writers, readers don't pretend, giving readers a gift, having a nuanced opinion, figuring out why people like dumb shit, fulfilling a purpose, shopping for wives, reverse Christmas, figuring shit out live on the podcast, the urge to destroy art, I Am a Virgo, ordering shit on Amazon, alt-lit as the mumblecore of books, trips to the post office, and wives who put up with us.
Listen to TaylorMade on Private Equity Deals It's almost golf season, and what better way to get mentally prepared for the game than listening to the turnaround story of TaylorMade. Episode 3 of Season 2 of Private Equity Deals released this morning, in which David Shapiro from KPS discusses the firm's investment from a colorful history, broken process, and laundry list of repairs. Subscribe to Private Equity Deals on your favorite podcast player to hear the story of the third name you know in Season 2. Subscribe on Apple Podcast Subscribe on Spotify Subscribe on YouTube
David Shapiro is a co-founder of KPS Capital, a three-decade old private equity firm that manages in excess of $14 billion with a focus on acquiring and improving manufacturing-based businesses. TaylorMade is one of the leading manufacturers of golf equipment, and a familiar brand to golfers and fans of the game. Our conversation covers the history of TaylorMade, desired spin-off of the business from Adidas, prolonged and broken deal process, and KPS' winning the deal. We then turn to the steps KPS took to improve the business across its supply chain, product cycle, and marketing, and its decision to sell the business in 2021 after a complete turnaround. Thanks to our Season 2 Sponsor - Canoe Intelligence. Learn more about Canoe and how it's technology is powering the future of alternative investments. For full show notes, visit the episode webpage here. Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership
Ethan has owned several rental properties, made over 300 private loans secured by real estate (both single family and commercial real estate), invested in over 100 single family fix and flip projects and is a general partner on multiple commercial and multifamily projects totaling over 900 units. His primary role on deals is loan guarantor/key principal or gap funder (i.e. where the sponsorship team has raised around 80% of the limited partnership equity but does not have enough time to raise the remainder - Ethan will come in and lend that remainder to the team so that the deal can get done on time). Ethan personally and through his private equity fund, Good Bull Investments LP and Good Bull Lending, LLC has also invested in commercial properties totaling over $25 million (including hotels, self-storage, office building, medical office and retail). Ethan graduated from Cornell University with a BA in Economics in 2003 at the age of 19 and from Columbia Law School in 2006 at the age of 22. He worked on billion dollar mergers and acquisitions for several years on Wall Street in financial institutions before transitioning to being a professional investor and entrepreneur in 2016. He lives in Houston, TX with his wife (who he met the first day of class at Cornell in 2000) and their five children. In this episode, Ethan discusses how to make the most of real estate investing and how to create financial stability. He also advice on how to be a smart investor, from researching deals and having access to liquidity, to networking with professionals and leveraging life insurance policies. Learn about the importance of being an informed investor, the risks associated with large investments, and how to use life insurance as a tool for building wealth over time. Plus, hear success stories and tips on how to maximize your investment potential. Don't miss out - tune in now! [00:01 - 06:22] Behaviorial Changes People's behavior changes when they realize you are vetting them backed into a side business of being a gap funder Gap loans are made with experienced KPs, but they may not be liquid enough to make a gap loan Biggest deal done was a $6 million gap loan [06:23 - 12:21] Understanding the Benefits of Permanent Life Insurance Policies and How to Maximize Cash Value Lenders reducing proceeds at closing due to quick rise in interest rates Bigger checks often have complexities or timing issues, leading to "left at the altar" scenarios Can't count on money until wire comes in Borrowing from life insurance company can be cheaper than bank loan Permanent life insurance policies have two values: death benefit and cash value [12:22 - 22:37] Closing Segment Ethan Goa shares why life insurance can be used as a parking spot for money with an opportunity for good arbitrage To learn more about Ethan and his work, listeners can visit Good Bull Investments! Tweetable Quotes: “The cash value is what you can borrow against or withdraw.” – Ethan Gao “So it's actually cheaper to borrow from the insurance company versus a bank.” – Ethan Gao You can connect with Dustin Heiner through his: Website: Good Bull Investments LinkedIn: Good Bull Investments LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode. Are you confused about where to start? Join our community and learn more about real estate investing. Head over to our Facebook Page, Youtube Channel, or website https://www.theacademypresents.com/jointhesummit36848306. Connect with Lorren Capital, LLC. for syndicated multifamily investments, https://lorrencapital.com/. To learn more about me, visit my LinkedIn profile, and connect with me.
There are many competing and conflicting voices telling us what love is. How are we to know the truth? What does pursuing a healthy love look like? 1 Corinthians 13 has the answers… Invite and share this message with your family and friends and bless them with this great message. If you're new to Cornerstone and this is your first time watching us, we'd love to say “hello!” Just click on this http://cornerstonesf.org/connect to fill out our Connect Card and one of our community members will follow up with you. Also if you are in need of prayer, don't hesitate to put in a prayer request at http://cornerstonesf.org/prayer ---- Song Credits: Be Glad - Cody Carnes Cody Carnes, Chris Davenport, Jason Ingram, Steven Furtick © 2022 Capitol CMG Paragon | CDavs Music | Songs for TIM | Writer's Roof Publishing | Be essential Songs | Music by Elevation Worship Publishing | My Magnolia Music Glorious Day - Jason Ingram Jason Ingram, Jonathan Smith, Kristian Stanfill, and Sean Curran © 2017 KPS 1.0 | sixsteps Music | sixsteps Songs | Sounds Of Jericho | Worship Together Music | worshiptogether.com songs | Fellow Ships Music | Hickory Bill Doc | So Essential Tunes Only The Love Of God - The Kry Jean-Luc LaJoie, Pete Nelson © 2002 Le Kri Music, Inc. All music performed by the CornerstoneSF Worship Band under CCLI license No. 48786, CCS No. 8434 #cornerstonesf #liveitoutsf #abound
Videos : The Anti-Smartphone Revolution (8:00) Heather Mac Donald On How The Delusion of Diversity Destroys Our Common Humanity (11:14) The Strange Connections of Sam Bankman-Fried & FTX (9:11) The TRUTH about IVERMECTIN (13:00) Korean ginseng prevents oxidative stress caused by work Ohiol State University, November 07, 2022 People who are stressed may find relief from taking Korean ginseng. A study published in the Journal of Medicinal Food has revealed that the Korean ginseng called GINST15 can help reduce stress, mentally and physically. In the study, researchers from The Ohio State University in the U.S. found that Korean ginseng prevents damage caused by intense work stress due to its antioxidants. For the study, the researchers aimed to determine the effects of GINST15 supplement on hormonal and inflammatory responses to physical stress in humans. They recruited 10 women and nine men to participate in the study. The participants were tasked to complete three two-week treatment cycles with 960 milligrams (mg) of the Korean ginseng supplement, 160 mg of the Korean ginseng supplement, or a placebo, separated by a one-week washout period. After the treatment, the participants underwent an intense resistance exercise to induce physical stress. The participants also provided blood samples at rest and at various points after the exercise, particularly immediately, 30 minutes, 60 minutes, and 24 hours after exercise. Then, the researchers measured the levels of cortisol, superoxide dismutase, total glutathione, nonspecific antioxidant activity, total antioxidant power, and creatine kinase. The results showed that the supplementation of Korean ginseng reduced cortisol and increased enzymatic and nonspecific antioxidant activity. In addition, the high dose of the Korean ginseng supplement (960 mg) greatly reduced muscle damage and hypothalamic pituitary adrenal (HPA) responses to physical stress 24 hours after the intense exercise. Based on the findings of the study, the researchers concluded that taking Korean ginseng supplements can help ward off mental and physical stress by reducing cortisol levels and muscle damage. When low-income families can meet their basic needs, children are healthier Boston Medical Center, November 8, 2022 A series of reports from five cities across the US found that young children and their parents are healthier when they are able to afford basic needs. New research published by Children's HealthWatch, headquartered at Boston Medical Center, highlights the need for policymakers to improve access to and effectiveness of programs that enable all families with low incomes to afford basic needs such as food, shelter, utilities, medical care, prescription medicines and childcare. Researchers surveyed more than 18,000 families of children under age 4 in the emergency departments and primary care clinics at urban hospitals in Baltimore, Boston, Minneapolis, Philadelphia, and Little Rock. The study team created a composite measure of hardships that included a family's ability to afford food, utilities, and health care, and maintain stable housing. All hardships described in the study have previously been associated with poor child and caregiver health. This study, however, examined the differences between children living in hardship-free families versus those in families with any or multiple hardships. In all cities, living in a hardship-free family was associated with good overall health for children and caregivers, positive developmental outcomes for young children, and positive mental healthamong mothers. Nearly half of families interviewed at Hennepin County Medical Center in Minneapolis reported that they were hardship-free. At Boston Medical Center, only about one quarter of the families surveyed reported zero hardships, which may be due to higher housing costs. The reports also examine the link between childcare constraints, when parents are unable to work or attend school because of an inability to afford childcare, and hardships. In each city, parents who reported being able to access affordable childcare were more likely to be hardship free. The research teams advocate for implementing policies to increase wages, along with ensuring access to programs that support low-income families being able to meet basic needs, such as food and housing security and medical care. Further, the authors suggested screening for hardships in health care settings and connecting patients and their families to resources that promote health. (NEXT) Vitamin D vs. Flu Shots Alliance for Natural Health & Queen Mary University, November 8, 2022 New research shows vitamin D helps prevent infection. Will the crony medical establishment listen? We at ANH-USA have been beating the drum about vitamin D and its well-documented anti-viral capabilities for years, and there is new evidence demonstrating vitamin D's role in preventing respiratory infections. When faced with the choice of a cheap, safe, and effective natural immune defense against the flu, or an expensive, dangerous, and ineffective vaccine that makes drug companies billions of dollars—which will our crony health officials choose? The Queen Mary University of London study, which pooled data from 25 studies that included more than 10,000 participants, found that vitamin D supplementation reduced the risk of respiratory infections (cold and flu) by 10 percent overall—and there are reasons to think this figure greatly understates the degree of protection. The protective effect of the sunshine vitamin was even more dramatic in those who were deficient. For the deficient, which about 40% of Americans are, the risk of infection was reduced by half with vitamin D supplementation. This builds upon earlier findings from a 2010 Japanese study which found that vitamin D supplementation was as effective as the vaccine at preventing colds and flu. Predictably, the media tries to diminish these findings, stating that “not everyone is convinced that this study should lead us to the supplement aisle.” We're then told that the Institute of Medicine (IOM) has determined that adults need only 600 IU of vitamin D—an amount that most Americans do not get from sun exposure or their diet alone. The IOM also said that a vitamin D blood level of 20 ng/mL was adequate This is nonsense. The Vitamin D Council, for example, recommends 5,000 IU of vitamin D per day to achieve at least 40 ng/mL; other integrative doctors we respect advise that the D serum level needs to be around 70 in order to avoid viral infection. Other calculations have shown that IOM recommendations are only about one-tenth of what is needed to cut the incidence of diseases related to vitamin D deficiency. What this means is that most Americans are not getting the vitamin D they need, in part because health authorities at the IOM and elsewhere in the government are mistaken when telling Americans how much to take. That we do not get enough vitamin D in our diet or through sun exposure to meet a paltry 600 IU means that the number of Americans who are deficient must be staggering. It is a crime that health authorities are not telling people to take vitamin D supplements. The good news is that this study shows that those who are deficient in vitamin D—likely most Americans, given how wrong the IOM is about how much vitamin D we really need—can reduce their risk of cold or flu by 50 percent. That is more effective than the flu vaccine usually is. (NEXT) The therapeutic power of Indian frankincense for multiple sclerosis patients Ahvaz Jundishapur University of Medical Sciences (Iran), November 07, 2022 Boswellia serrata, the plant from which Indian frankincense is derived, can improve cognitive performance in people with multiple sclerosis (MS). This finding, from a study published in the Journal of Herbal Medicine, promises a new and natural way of delaying the complications and effects of MS. Neurons, the special cells that make up the nerves and the different parts of the nervous system, have what is called the myelin sheath. This is a layer that coats and protects the nerve fiber or axon, a long, thin projection that carries electrical impulses from one end of the neuron to the other. The myelin sheath insulates the axon and enhances its function, allowing it to more efficiently deliver messages between the brain and the different parts of the body. In multiple sclerosis, the immune system attacks the cells that make up the myelin sheath. This causes the nerves to “short circuit” and creates problems in the way that messages are delivered from or to the brain. With time, multiple sclerosis can result in permanent nerve impairment and damage. Researchers say B. serrata can help remedy certain symptoms and effects of multiple sclerosis, in particular, the cognitive impairment that occurs in 40 to 65 percent of patients. This usually entails problems with complex attention, a slower information processing speed, and episodic lapses in memory and executive functions. MS-related cognitive impairment has been known to affect patients quality of life, personal relationships, and vocational potential. (NEXT) Social media use increases depression and loneliness University of Pennsylvania, November 8, 2022 The link between the two has been talked about for years, but a causal connection had never been proven. For the first time, University of Pennsylvania research based on experimental data connects Facebook, Snapchat, and Instagram use to decreased well-being. Psychologist Melissa G. Hunt published her findings in the December Journal of Social and Clinical Psychology. “We set out to do a much more comprehensive, rigorous study that was also more ecologically valid,” says Hunt, associate director of clinical training in Penn's Psychology Department. To that end, the research team designed their experiment to include the three platforms most popular with a cohort of undergraduates, and then collected objective usage data automatically tracked by iPhones for active apps, not those running the background. Each of 143 participants completed a survey to determine mood and well-being at the study's start, plus shared shots of their iPhone battery screens to offer a week's worth of baseline social-media data. Participants were then randomly assigned to a control group, which had users maintain their typical social-media behavior, or an experimental group that limited time on Facebook, Snapchat, and Instagram to 10 minutes per platform per day.”Here's the bottom line,” she says. “Using less social media than you normally would leads to significant decreases in both depression and loneliness. These effects are particularly pronounced for folks who were more depressed when they came into the study.” “It is a little ironic that reducing your use of social media actually makes you feel less lonely,” she says. But when she digs a little deeper, the findings make sense. “Some of the existing literature on social media suggests there's an enormous amount of social comparison that happens. When you look at other people's lives, particularly on Instagram, it's easy to conclude that everyone else's life is cooler or better than yours.” (NEXT) Acupuncture at these specific points alleviates pain in cancer patients Guangzhou University of Chinese Medicine, November 07, 2022 Cancer causes many adverse complications, including constant pain. A study published in the journal BMC Complementary and Alternative Medicinelooked into the viability of using acupuncture to soothe this pain and cause relief to cancer patients. Although cancers are named after the body part where the tumor – or tumors, in some cases – is located, its effects can be felt in other parts of the body. In the case of bone and testicular cancers, pain is one of the first signs. In others, such as pancreatic cancer, discomfort may be a sign that the disease has progressed or metastasized. The authors of the study wanted to know if acupuncture's pain relieving properties extended to cancer patients. In a single-blind, randomized controlled pilot trial, they recruited 42 patients going through moderate to severe cancer pain. The participants were randomly assigned to one of three groups. Each group had 14 members. The first group had acupuncture at the acupoints si guan xue, while the second group combined si guan xue with commonly used acupoints. The third group served as the control and was treated only on the most frequently used acupoints.The researchers' analysis showed that the second group experienced the most cancer pain reduction at around day five. This was compared to the control group. Scores in the PGIC, EORTC QLQ-C30, or KPS did not indicate much variance among the three groups. They concluded that acupuncture at the si guan xue, combined with commonly used acupoints, was the most effective at treating pain caused by cancer. However, a larger study needed to be performed owing to the small sample size employed by the present study.
Our goal is to help you get educated on how to create passive income for you and your family, using real estate as your vehicle. Joining us in conversation today is Ethan Gao, a real estate investor and key principal, where he guarantees loans and provides interim capital. During our conversation, he tells the story of leaving his career in the legal profession and realizing that he could make money by simply signing on loans. Hear why he became a life insurance agent and why he places so much value on having a good team. We explore what Ethan has learned along the way, why there is a growing need for creative financing, and what he requires from people before supporting their financial process. Ethan also partners with his financial adviser, Luke, and together they own portfolio companies. Join us to hear some powerful insights from Ethan's experience that you can learn from today! Key Points From This Episode:Background on today's guest, real estate investor and key principal, Ethan Gao.The story of how he graduated at 19 before getting a graduate degree and working as a legal practitioner.What prompted his movement into interim financing. Ethan's impetus for stepping out of his career track to pursue real estate.How guru groups and masterminds inspired him to get involved with investment.The realization that signing on loans could make money, and how it came about.Why he became a life insurance agent.Ethan's perspective on the importance of a good team. The art of finding the right people to work with.Why personality fit is so important. How Zoom has made it possible to ‘meet' someone without meeting them in person.His belief that it's relatively simple for people to boil down who they are.The ‘just be yourself' principle and how it benefits everyone involved.Why Ethan ignored red and yellow flags at the start of his career.Ethan's thoughts on the multiple aspects of today's KP landscape.The need for creative financing and how Ethan has provided short term capital.Ethan's investment thesis and what he requires from his clients.Why he requires a strategy and evidence from everyone he works with.The story of how Ethan began to partner with his financial advisor, Luke.How they came to own portfolio companies together.Why Ethan advises people to create relationships with KPs immediately.How Ethan's ‘why' differs from other people's.Links Mentioned in Today's Episode:Ethan Gao on EmailEthan Gao on LinkedInGood Bull InvestmentsVertical Street VenturesPassive Income Through Multifamily Real Estate Facebook GroupPeter Pomeroy on LinkedInPeter Pomeroy Email
Welcome to the SYNC Your Life podcast episode #79! On this podcast, we will be diving into all things women's hormones to help you learn how to live in alignment with your female physiology. Too many women are living with their check engine lights flashing. You know you feel "off" but no matter what you do, you can't seem to have the energy, or lose the weight, or feel your best. This podcast exists to shed light on the important topic of healthy hormones and cycle syncing, to help you gain maximum energy in your life. In today's episode, I'm interviewing Jen Delveaux, breast cancer survivor, Integrative Health Practitioner, co-host of the Not Today Cancer podcast, and author of "Not Today Cancer," found here. Jen is a health and fitness coach and founder of Team EmpowerNation. In February of 2021 she was diagnosed with breast cancer. She had always enjoyed researching new health hacks prior to her cancer diagnosis, but now she has made it her mission to help others take back the power over their diagnosis as well as to thrive during and after treatments. Along with her husband, she hosts the podcast, "Not Today Cancer with Mr. Worldwide & His Bride" where they talk openly and honestly about their own struggles. Darren was diagnosed with brain cancer in 2009, and the podcast takes a deep dive into how they have been able to get through it all in a positive way. They are truly an inspiring couple! In this episode, Jen references the Unplug app, a free trial for which can be found here. She also references KPS products, found here at a discount. She's also a fan of Pique tea, which can be found here. The supplements Jen mentioned are as follows: Organic non-GMO loose leaf tea (Pique tea) Turmeric Vitamin D Magnesium Melatonin You can find Jen at jendelveaux.com or via Instagram @JenDelveaux. If you feel like something is "off" with your hormones, check out the FREE hormone imbalance quiz at sync.jennyswisher.com. To learn more about the SYNC Digital Course, check out jennyswisher.com. Let's be friends outside of the podcast! Send me a message or schedule a call so I can get to know you better. You can reach out at https://jennyswisher.com/contact-2/. Enjoy the show! Episode Webpage: jennyswisher.com/podcast
Our EdTech team recently published Knowledge Packs (KPs) — short, pragmatic guides on key topics within EdTech, such as digital content, LMS, and devices — and this week, we speak to the team behind this initiative: World Bank Senior Education Specialist Cristobal Cobo and colleagues Analyst Iñaki Sánchez Ciarrusta, Research Analyst Maria Barron Rodriguez, and Consultant Sarah Kleinmann. The KPs were developed as part of the EdTech Toolkit for Remote Learning, which aims to support policymakers and researchers in the planning and medium- to long-term design of multi-faceted remote and hybrid learning strategies in low-resource environments. The KPs have been a multi-year project led by the EdTech team, co-developed by theme experts and peer-reviewed by the World Bank colleagues, experts from partnering organizations, such as the EdTech Hub, and private sector providers with expertise in each topic. The KPs are grouped under six high-level topics to organize our work. Each topic includes its definitions and a few examples of sub-topics with hyperlinks to their corresponding KPs. You can download all KPs here: https://www.worldbank.org/en/topic/edutech/brief/edtech-toolkit-for-remote-learning
Happy Independence Day!- Pranay Kotasthane and RSJThis newsletter can often seem pessimistic about India. That isn’t true, though. Every year, on Independence Day, we remind ourselves and our readers why we write this newsletter. This is how we ended the Independence Day edition of 2020:“What we have achieved so far is precious. That’s worth reminding ourselves today. We will go back to writing future editions lamenting our state of affairs.We will do so because we know it’s worth it.” This year we thought it would be fun (?) to run through every year since 1947 and ask ourselves what happened in the year that had long-term repercussions for our nation. This kind of thing runs a serious risk. It can get tedious and all too familiar. Most of us know the landmark events of recent history and what they meant for the nation. Maybe. Maybe not. We’ve given an honest try (of over 8000 words) to see if there’s a different way of looking at these familiar events and their impact on us. Here we go.1947 - 1960: Sense Of A Beginning 1947Perhaps the most significant “What, if?” question for independent India surfaced on 17th August 1947 when the Radcliffe Line was announced. The partition of the Indian subcontinent has cast a long shadow. What if it had never happened? What if Nehru-Jinnah-Gandhi were able to strike a modus vivendi within a one-federation framework? These questions surface every year around independence.The indelible human tragedy of the partition aside, would an Akhand Bharat have served its citizens better? We don’t think so. We agree with Ambedkar’s assessment of this question. In Pakistan or the Partition of India, he approaches the question with detachment and realism, concluding that the forces of “communal malaise” had progressed to such an extent that resisting a political division would have led to a civil war, making everyone worse off. The partition must have been handled better without the accompanying humanitarian disaster. But on the whole, the partition was inevitable by 1947.“That the Muslim case for Pakistan is founded on sentiment is far from being a matter of weakness; it is really its strong point. It does not need deep understanding of politics to know that the workability of a constitution is not a matter of theory. It is a matter of sentiment. A constitution, like clothes, must suit as well as please. If a constitution does not please, then however perfect it may be, it will not work. To have a constitution which runs counter to the strong sentiments of a determined section is to court disaster if not to invite rebellion.” [Read the entire book here]1948What if Mahatma Gandhi wasn’t killed that year? How would the course of our history change? Gandhi spoke like an idealist and worked like a realist. He was possibly the most aware of the gap between the lofty ideals of our constitution and the reality of the Indian minds then. He knew the adoption of the constitution was only half the work done. He’d likely have devoted the rest of his life to building a liberal India at the grassroots level. His death pushed a particular stream of right-wing Hindu consciousness underground. We still carry the burden of that unfinished work.1949The Constituent Assembly met for the first time in December 1946. By November 26th 1949, this assembly adopted a constitution for India. Even a half-constructed flyover in Koramangala has taken us five years. For more context, Pakistan’s Constituent Assembly began work on 10th August 1947, and their first constitution came into force in March 1956, only to be abrogated two years later. India’s founding fathers and mothers were acutely aware that they were elite, unelected, and unrepresentative of the median Indian. They dared to imagine a new nation-state while grappling with that period's harsh economic, social, and political realities. Their work should inspire us to strengthen, improve, and rebuild—but never to give up on—the Republic of India.For more, check out the miracle that is India’s Constitution in our Republic Day 2021 special edition.1950We have written about our Constitution a number of times. It is an inspiring and audacious document in its ambition to shape a modern nation. It has its flaws. Some consider it too liberal; others think it makes the State overbearing. Some find it too long; others feel it comes up short. This may all be true. However, there is no doubt our constitution has strengthened our democracy, protected the weak and continues to act as a tool for social change. It is our North Star. And a damn good one at that. 1951Few post-independence institutions have stood the test of time as the Finance Commission (FC), first established in 1951. In federal systems, horizontal and vertical imbalances in revenue generation and expenditure functions are commonplace. Closing the gap requires an impartial institution that is well-regarded by various levels of government and the people. The Finance Commission is that institution.It’s not as if it didn’t face any challenges. As a constitutional body established under article 280 of the Constitution, it was sidelined by an extra-constitutional and powerful Planning Commission until 2014. But we have had 15 FCs in total, and each key tax revenue-sharing recommendation has become government policy.1952Our Constitution adopted a universal adult franchise as the basis for elections. Every citizen was to be part of the democratic project. There was to be no bar on age, sex, caste or education. And this was to be done in one of the most unequal societies in the world. The ambition was breathtaking. To put this in context, women were allowed to vote in Switzerland only in 1971. Not only did we aim for this, but we also moved heaven and earth to achieve it in 1952. In his book India After Gandhi, Ram Guha describes the efforts of the government officials led by the first Election Commissioner, Sukumar Sen, to reach the last man or woman for their ballot. The elites may lament vote bank politics or cash for votes scams and question the wisdom of universal franchise. But we shouldn’t have had it any other way. And, for the record, our people have voted with remarkable sophistication in our short independent history. 1953 For a new nation-state, the Republic of India punched above its weight in bringing hostilities on the Korean peninsula to an end. Not only did the Indian government’s work shape the Armistice Agreement, but it also chaired a Neutral Nations Repatriation Commission (NNRC) that was set up to decide the future of nearly 20,000 prisoners of war from both sides. This experience during the Cold War strengthened India’s advocacy of the Non-Aligned Movement (NAM). 1954Article 25 guaranteed the freedom of conscience and the freedom to profess, practice, and propagate religion to all citizens. But how does one define a religious practice? And can a practice under the garb of religion breach the boundary of individual rights or public morality? This is a familiar conflict zone in secular States and would inevitably show up in India because everything in India can be construed as a religious practice. Like Ambedkar said during the constituent assembly debates:“The religious conceptions in this country are so vast that they cover every aspect of life from birth to death…there is nothing extraordinary in saying that we ought to strive hereafter to limit the definition of religion in such a manner that we shall not extend it beyond beliefs and such rituals as may be connected with ceremonials which are essentially religious..."In 1954, the Supreme Court gave a landmark judgment on what constitutes a religious practice in what’s known as the Shirur Math case. It held that the term religion would cover all practices integral to that religion. Further, the Court will determine what practice will be deemed essential with reference to doctrines within that religion itself.This test of ‘essentiality’ in religion has kept the public, the legislature and the courts busy since (entry of women in Sabarimala, headscarf in Islam, to name two). The outcome has bent towards individual liberty in most contexts, but the ambiguity in the definition of essential means it could go the other way too.1955Another wild "What, if” moment that we like to recall relates to Milton Friedman’s visit to the Indian finance ministry in 1955. What shape would India’s economy have taken had his seminal document “A Memorandum to the Government of India 1955” been heeded?In this note, Friedman gets to the root of India’s macroeconomic problems—an overburdened investment policy, restrictive policies towards the private sector, erratic monetary policy, and a counterproductive exchange control regime. Being bullish about India’s prospects was courageous when most observers wrote epitaphs about the grand Indian experiment. But Friedman was hopeful and critical both.The Indian government, for its part, was humble enough to seek the advice of foreigners from opposing schools of thought. At the same time, it was too enamoured by the Soviet command and control model. In fact, many items from Friedman’s note can be repurposed as economic reforms even today.Here’re our points from Friedman’s note.1956The idea of One Nation, One ‘X’ (language, election, song, tax, choose any other) is both powerful and seductive. It is not new, however. Back in the 50s, there was a view that we must not strengthen any identity that divides us. So when the question of reorganisation of the colonial provinces into new states came up, an argument was made that it must be done on factors other than language. Nehru, ever the modernist, thought the creation of language-based states would lead us down the path of ethnic strife. The example of nation-states in Europe built on language in the 19th century and the two devastating world wars thereafter were too recent then. So, he demurred.Agitation, hunger strikes and deaths followed before we chose language as the primary basis for reorganising the states. It was perhaps the best decision taken by us in the 50s. As the years since have shown, only a polity assured of its heritage and identity will voluntarily accept diversity. The melding of our diversity into a single identity cannot be a top-down imposition. We should never forget this.1957India’s economic strategy of state-led industrialisation through deficit financing in pursuit of import substitution took off with the Second Five-Year Plan. Heavy industries needed imported machinery, inflating India’s import bill. Since the exchange rate was pegged to the British pound, it meant that Indian exports became pricier. This imbalance between rising imports and flagging exports was financed by running down the foreign exchange reserves. By 1957, India witnessed its first foreign exchange crisis. This event had a significant effect on India’s economy. Instead of devaluing the rupee, the government opted for foreign exchange budgeting - every investment in a project needed government approval for the foreign exchange required to buy foreign inputs. The immediate crisis in 1957 led to controls that worsened India’s economic prospects over the next 35 years.1958The government nationalised all insurance companies a couple of years earlier. India hadn’t gotten into a socialist hell yet, so this was a bit of a surprise. The proximate cause was a fraud that few private life insurers had committed by misusing the policyholders’ funds to help their industrialist friends. A run-of-the-mill white-collar crime that should have been dealt with by the criminal justice system. But the government viewed it as a market failure and moved to nationalise the entire industry. It would take another 45 years for private players to come back to insurance. Insurance penetration in India meanwhile remained among the lowest in the world. Also, in 1958, Feroze Gandhi took to the floor of Lok Sabha to expose how LIC, the state insurer, had diverted its funds to help Haridas Mundhra, a Calcutta-based businessman. The same crime that private insurers had done.The government would repeat this pattern of getting involved where there was no market failure. The outcomes would inevitably turn out to be worse. Seven decades later, we remain instinctively socialist and wary of capital. Our first reaction to something as trifling as a surge price by Ola or a service charge levied by restaurants is to ask the State to interfere.1959“The longest guest of the Indian government”, the 14th Dalai Lama pre-empted the Chinese government’s plans for his arrest and escaped to India. Not only did India provide asylum, but it also became home to more than a hundred thousand Tibetans. Because of the bold move by the Indian government in 1959, the Central Tibetan Administration continues its struggle as a Nation and a State in search of regaining control over their Country to this day. This event also changed India-China relations for the decades to come.1960Search as hard as we might; we hardly got anything worth discussing for this year. Maybe we were all sitting smugly waiting for an avalanche of crisis to come our way. Steel plants, dams and other heavy industries were being opened. The budget outlay for agriculture was reduced. We were talking big on the international stage about peace and non-alignment. But if you had looked closer, things were turning pear-shaped. The many dreams of our independence were turning sour.The 60s: Souring Of The Dream1961The Indian Army marched into Goa in December 1961. The 450-year Portuguese colonial rule ended, and the last colonial vestige in India was eliminated. It took this long because Portugal’s dictator Antonio Salazar stuck to his guns on controlling Portuguese colonies in the subcontinent, unlike the British and the French. Portugal’s membership in NATO further made it difficult for the Indian government to repeat the operations in Hyderabad and Junagadh. Nevertheless, that moment eventually arrived in 1961. This was also the year when India’s first indigenous aircraft, the HAL HF-24 Marut, took its first flight. Made in Bengaluru by German designer Kurt Tank, the aircraft was one of the first fighter jets made outside the developed world. The aircraft served well in the war that came a decade later. It never lived up to its promises, but it became a matter of immense pride and confidence for a young nation-state.1962Among the lowest points in the history of independent India. We’ve written about our relationship with China many times in the past editions. The 1962 war left a deep impact on our psyche. We didn’t recover for the rest of the decade. The only good thing out of it was the tempering of idealism in our approach to international relations. That we take a more realist stance these days owes its origins to the ‘betrayal’ of 1962.1963ISRO launched the first sounding rocket in November 1963. Over the years, this modest beginning blossomed into a programme with multiple launch vehicles. The satellite programmes also took off a few years later, making India a mighty player in the space sector. 1964If you told anyone alive in 1964 that less than 60 years later, Nehru would be blamed for all that was wrong with India by a substantial segment of its population, they would have laughed you out of the room. But here we are in 2022, and there’s never a day that passes without a WhatsApp forward that talks about Nehru’s faults. It seems inevitable that by the time we celebrate the centenary of our independence, he would be a borderline reviled figure in our history. But that would be an aberration. In the long arc of history, he will find his due as a flawed idealist who laid the foundation of modern India. 1964 was the end of an era.1965As the day when Hindi would become the sole official language of the Indian Union approached, the anti-Hindi agitation in the Madras presidency morphed into riots. Many people died in the protests, and it led to the current equilibrium on language policy. The “one State, one language” project moved to the back burner, even as Hindi became an important link language across the country. The lesson was the same as in the case of the 1956 states reorganisation: melding our diversity into a single identity cannot be a top-down imposition.1966The two wars in the decade's first half, the inefficient allocation of capital driven by the second and third five-year plans, and the consecutive monsoon failure meant India was on the brink in 1966. The overnight devaluation of the Rupee by over 50 per cent, the timely help with food grains from the US and some providence pulled us back from it. The green revolution followed, and we have remained self-sufficient in food since.The experience of being on the brink taught us nothing. We still believe in the Pigouvian theory of market failure, where government policies are expected to deliver optimality. Strangely, the idea that we reform only in crisis has only strengthened. There cannot be worse ways to change oneself than under the shadow of a crisis. But we have made a virtue out of it.1967This was the year when the Green Revolution took baby steps, and the Ehlrichian prediction about India’s impending doom was put to rest. But it was also the year when the Indian government made a self-goal by adopting a policy called items reserved for manufacture exclusively by the small-scale sector. By reserving whole product lines for manufacturing by small industries, this policy kept Indian firms small and uncompetitive. And like all bad ideas, it had a long life. The last 20 items on this list were removed only in April 2015. We wrote about this policy here. 1968In the past 75 years, we have reserved some of our worst public policies for the education sector. We have an inverted pyramid. A handful of tertiary educational institutions produce world-class graduates at the top. On the other end, we have a total failure to provide quality primary education to the masses. It is not because of a lack of intent. The National Education Policy (NEP) that first came up in 1968 is full of ideas, philosophy and a desire to take a long-term view about education in India. But it was unmoored from the economic or social reality of the nation. We often say here that we shouldn’t judge a policy based on its intentions. That there’s no such thing as a good policy but bad implementation because thinking about what can work is part of policy itself. NEP is Exhibit A in favour of this argument.1969 The nationalisation of 14 private-sector banks was a terrible assault on economic freedom under the garb of serving the public interest. The sudden announcement of a change in ownership of these banks was challenged in the courts, but the government managed to thwart it with an ordinance. Fifty years later, we still have low credit uptake even as governments continue to recapitalise loss-making banks with taxpayer money.1970The dominant economic thinking at the beginning of the 70s in India placed the State at the centre of everything. But that wasn’t how the world was moving. There was a serious re-examination of the relationship between the State and the market happening elsewhere. The eventual shift to a deregulated, small government economic model would happen by the decade's end. This shift mostly passed India by. But there were a few voices who questioned the state orthodoxy and, in some ways, sowed the intellectual seeds for liberalisation in future. In 1970, Jagdish Bhagwati and Padma Desai published their monograph, India: Planning for Industrialisation, which argued that our economic policies since independence had crippled us. It showed with data how central planning, import substitution, public sector-led industrial policy and license raj have failed. But it found no takers. In fact, we doubled down on these failed policies for the rest of the decade. It was a tragedy foretold. What if someone had gone against the consensus and paid attention to that paper? That dissent could perhaps have been the greatest service to the nation. It is useful to remember this today when any scepticism about government policies is met with scorn. Dissent is good. The feeblest of the voice might just be right.The 70s: Losing The Plot1971Kissinger visited China in July 1971 via Pakistan. Responding to the changing world order, India and the USSR signed an Indo–Soviet Treaty of Peace, Friendship and Cooperation in August of that year. India had become an ally of the USSR. Four months later, the India-Pakistan war pitted India and the USSR against Pakistan, China, and the US. The Indian strategic community came to internalise USSR as a super-reliable partner and the West as a supporter of India’s foes. It took another three decades, and the collapse of the USSR, for a change in this thinking. Even today, Russia finds massive support in the Indian strategic establishment. We had problematised this love for Russia here. 1972India won the 1972 war with Pakistan and liberated Bangladesh. India’s unilateral action stopped a humanitarian disaster. The victory was decisive, and the two parties met in Simla to agree on the way forward. This should have been a slam dunk for India in resolving festering issues on the international boundary, Kashmir and the role of the third parties. But international diplomacy is a two-level game, and Bhutto played that to his advantage. We explained this in edition 30. We paid a high price for giving away that win to Bhutto.1973The Kesavananda Bharti verdict of the Supreme Court rescued the Republic of India from a rampaging authoritarian. The basic structure doctrine found a nice balance to resolve the tension between constitutional immutability and legislative authority to amend the constitution. Bibhu Pani discussed this case in more detail here. 1974You are the State. Here are your crimes. You force import substitution, you regulate the currency, you misallocate capital, you let the public sector and a handful of licensed private players produce inferior quality products at a high cost, you raise the marginal tax rate at the highest level to 97 per cent, you run a large current account deficit, and you cannot control Rupee depreciation.Result?People find illegal ways to bring in foreign goods, currency and gold. And so was born the villain of every urban Bollywood film of the 70s. And a career option for a capitalist-minded kid like me. The Smuggler.But the State isn’t the criminal here. The smuggler is. And the State responded with a draconian law to beat all others. An act the knowledge of whose expanded form would serve kids well in those school quizzes of the 80s. COFEPOSA — The Conservation of Foreign Exchange and Prevention of Smuggling Act. A predatory state's defining feature is how it forces ordinary citizens to do unlawful activities. COFEPOSA was the mother of such laws. It has spawned many children. 1975This blank editorial by the Indian Express says it all. 1976We view our population as a core problem. The politicians, the public servants and the ordinary citizens share this view. We don’t want to acknowledge our governance deficit. Calling population a problem allows us to shirk the responsibility of running a functioning State. We have written about the flaw in thinking about the population as a problem on many occasions.How far could we go to control the population? Well, in 1976, during the peak of the Emergency, the State decided to sterilise male citizens against their wishes. This madness ended when the Emergency was lifted. But even today calls for population control keep coming back. 1977The first non-Congress union government was an important milestone for the Indian Republic. While Morarji Desai’s government did reverse the worst excesses of the Emergency rule, its economic policies were less successful. This period went on to witness a demonetisation in search of black money (2016 from the future says Hi!), and the same old counter-productive policies in search of self-reliance.1978Despite all available evidence that statist socialism was an abject failure, the Janata government that came to power decided to double down on it. One of the great ideas of the time was to force MNCs to reduce their stake in their Indian subsidiaries to below 40 per cent. A handful agreed, but the large corporations quit India. One of those who left was IBM in 1978. The many existing installations of IBM computers needed services and maintenance. In a delightful case of unintended consequences, this led to the nationalisation of IBM’s services division (later called CMC). Domestic companies started to serve this niche. Soon there were the likes of Infosys, Wipro and HCL building a business on this. CMC provided a good training ground for young engineers. And so, the Indian IT services industry got underway. It would change the lives of educated Indians forever.1979In a classic case of violating the Tinbergen rule, the Mandal Commission recommended that the reservation policy should be used to address relative deprivation. While the earlier reservations for oppressed castes stood on firm ground as a means for addressing unconscionable historical wrongs, the Mandal Commission stretched the logic too far. Its recommendation would eventually make reservation policy the go-to solution for any group that could flex its political muscles. We wrote about it here. 1980After ditching the Janata experiment and running out of ideas to keep Jan Sangh going, the BJP was formed. It wasn’t a momentous political occasion of any sort then. A party constitution that aimed for Gandhian socialism and offered vague promises of a uniform civil code and nationalism didn’t excite many. Everything else that would propel the party in later years was to be opportunistic add-ons to the ideology. The founding leaders, Advani and Vajpayee, would have been shocked if you told them what the party would be like, four decades later.The 80s: A Million Mutinies Now1981This year witnessed a gradual shift away from doctrinaire socialism in economic policymaking. “The Indira Gandhi government lifted restrictions on the expansion of production, permitted new private borrowing abroad, and continued the liberalisation of import controls,” wrote Walter Anderson. The government also “allowed” some price rises, leading to increased production of key input materials. The government also permitted foreign companies to compete in drilling rights in India. All in all, a year that witnessed changes for the better. 1982The great textile strike of Bombay in 1982 was inevitable. The trade unions had gotten so powerful that there was a competitive race to the bottom on who could be more militant. Datta Samant emerged intent on breaking the monopoly of RMMS on the city's workers. And he did this with ever spiralling demands from mill owners in a sector that was already bloated with overheads and facing competition from far eastern economies. There was no way to meet these demands. The owners locked the mills and left. Never to come back. The old, abandoned mills remained. The workers remained. Without jobs, without prospects and with kids who grew up angry and unemployed. The rise of Shiv Sena, political goondaism and a malevolent form of underworld followed. Bombay changed forever. It was all inevitable.1983The Nellie massacre in Assam and the Dhilwan bus massacre in Punjab represent the year 1983. Things seemed really dark back then. It seemed that the doomsayers would be proved right about India. Eventually, though, the Indian Republic prevailed. 1984Her Sikh bodyguards assassinated India Gandhi. The botched Punjab policy of the previous five years came a full circle with it. An unforgivable backlash against innocent Sikhs followed. A month later, deadly gas leaked out of a Union Carbide factory in Bhopal, killing and paralysing thousands. 1984 will rank among the worst years of our republic. There were two silver linings in retrospect. One, we would learn to manage secessionist movements better from the harrowing Punjab experience. Two, had Indira continued, would we have had 1991? Our guess is no.1985This was an eventful year in retrospect. Texas Instruments set up shop in Bangalore. It was to begin one of modern India’s true success stories on the world stage. This was also the year when the Anti-defection law transformed the relationship between the voter and her representative. Political parties became all-powerful, and people’s representatives were reduced to political party agents. We have written about this changing dynamic here. This was also the year when the then commerce minister, VP Singh, visited Malaysia. The visit was significant for India because it served as a reference point for Singh when he visited that country again in 1990, now as the Prime minister. Surprised by Malaysia’s transformation in five years, he asked his team to prepare a strategy paper for economic reforms. This culminated in the “M” document, which became a blueprint for reforms when the time for the idea eventually came in 1991.1986Who is a citizen of India? This vexing question roiled Assam in the early 80s. The student union protests against the widespread immigration of Bangladeshis turned violent, and things had turned ugly by 1985. The Assam accord of 1985 sought to settle the state's outstanding issues,, including deporting those who arrived after 1971 and a promise to amend the Citizenship Act. The amended Citizenship Act of 1986 restricted the citizenship of India to those born before 1987 only if either of their parents were born in India. That meant children of couples who were illegal immigrants couldn’t be citizens of India simply by virtue of their birth in India. That was that, or so we thought.But once you’ve amended the definition of who can be a citizen of India, you have let the genie out. The events of 2019 will attest to that.1987Rajiv Gandhi’s ill-fated attempt to replicate Indira Gandhi’s success through military intervention in another country began in 1987. In contrast to the 1971 involvement, where Indian forces had the mass support of the local populace, the Indian Peacekeeping Force (IPKF) got itself embroiled in a bitter Sri Lankan civil war. Not only did this involvement end in a failure, it eventually led to Rajiv Gandhi’s brutal murder in a terrorist attack. The policy lesson internalised by the strategic community was that India must stay far away from developing and deploying forces overseas.1988Most government communication is propaganda in disguise. However, there are those rare occasions when government messaging transcends the ordinary. In 1988, we saw that rare bird during the peak era of a single government channel running on millions of black and white TV sets across India. A government ad that meant something to all of us and that would remain with us forever. Mile Sur Mera Tumhara got everything right - the song, the singers, the storyline and that ineffable thing called the idea of India. No jingoism, no chest beating about being the best country in the world and no soppy sentimentalism. Just a simple message - we might all sing our own tunes, but we are better together. This is a timeless truth. No nation in history has become better by muting the voice of a section of their own people. Mile Sur Mera Tumhara, Toh Sur Bane Hamara, indeed. 19891989 will be remembered as the year when the Indian government capitulated to the demands of Kashmiri terrorists in the Rubaiya Sayeed abduction case. It would spark off a series of kidnappings and act as a shot in the arm of radicals. 1990VP Singh dusted off the decade-long copy of the Mandal Commission report and decided to implement it. This wasn’t an ideological revolution. It was naked political opportunism. However, three decades later, the dual impact of economic reforms and social engineering has increased social mobility than ever before. Merit is still a matter of debate in India. But two generations of affirmative action in many of the progressive states have shown the fears of merit being compromised were overblown. The task is far from finished, but Mandal showed that sometimes you need a big bang to get things going, even if your intentions were flawed.1990 also saw the exodus of Kashmiri Pandits (KPs) from the valley. A tragedy that would bookend a decade of strife and violence in India. The only lesson one should draw from the sad plight of KPs is that the State and the people must protect minority rights. We’re not sure that’s what we have taken away from it. And that’s sad.The 90s: Correcting The Course1991With the benefit of hindsight, the 1991 economic reforms seem inevitable. But things could well have been different. In the minority government, powerful voices advocated in favour of debt restructuring instead of wholesale reforms. In the end, the narrative that these changes were merely a continuation—and not abandonment—of Nehru and Indira Gandhi’s vision for India carried the day. This political chicanery deserves some credit for transforming the life of a billion Indians. 1992Harshad Mehta scammed the stock markets. It wasn’t a huge scam. Nor did it hurt the ordinary Indians. Fewer than 1% invested in markets back then. Yet, the scam did something important. It set in motion a series of reforms that made our capital markets stronger and safer for ordinary investors. Notably, over the years, Mehta came to be seen as some kind of robber baron figure. Capitalism needed an anti-hero to catch the imagination of people. Someone who could reprise in the 90s the Bachchan-esque angry young man roles of the 70s. Mehta might not have been that figure exactly, but he helped a generation transition to the idea that greed could indeed be good.Also, Babri Masjid was brought down by a mob of kar sevaks in 1992. It will remain a watershed moment in our history. The Supreme Court judgement of 2019 might be the final judicial word on it. But we will carry the scars for a long time.1993The tremors of the demolition of the Babri Masjid were felt in 1993. Twelve bombs went off in Bombay on one fateful day. The involvement of the city’s mafia groups was established. The tragic event finally led to the government rescuing the city from the underworld. Not to forget, the Bombay underworld directly resulted from government policies such as prohibition and gold controls. 1994One of the great acts of perversion in our democracy was the blatant abuse of Section 356 of the constitution that allowed the union to dismiss a state government at the slightest pretext. Indira Gandhi turned this into an art form. S. R. Bommai, whose government in Karnataka was dismissed in this manner in 1988, took his case up to the Supreme Court. In 1994, the court delivered a verdict that laid out the guidelines to prevent the abuse of Section 356. It is one of the landmark judgments of the court and restored some parity in Union and state relationship.Article 356 has been used sparingly since. We are a better democracy because of it.1995India joined the WTO, and the first-ever mobile phone call was made this year. But 1995 will forever be remembered as the year when Ganesha idols started drinking milk. This event was a precursor to the many memes, information cascades, and social proofs that have become routine in the information age. 1996Union budgets in India are occasions for dramatic policy announcements. It is a mystery why a regular exercise of presenting the government's accounts should become a policy event. But that’s the way we roll. In 1996 and 1997, P. Chidambaram presented them as the FM of a weak ragtag coalition called the United Front. But he presented two budgets for the ages. The rationalisation of income tax slabs and the deregulation of interest rates created a credit culture that led to the eventual consumption boom in the next decade. We still carry that consumption momentum.1997The creation of the Telecom Regulatory Authority of India (TRAI) is an important public policy milestone for India. By no means perfect, the setting up of TRAI helped overturn a norm where government departments were both players and umpires. TRAI made the separation of “steering” and “rowing” functions a new normal. That template has been copied in several sectors thereafter, most recently in the liberalisation of the space sector. 1998India did Pokhran 2, which gave it the capability to build thermonuclear weapons. We faced sanctions and global condemnation. But the growing economy and a sizeable middle class meant those were soon forgotten. Economic might can let you get away with a lot. We have seen it happen to us, but it is a lesson we don’t understand fully.Also, in 1998, Sonia Gandhi jumped into active politics. The Congress that was ambling towards some sort of internal democracy decided to jettison it all and threw its weight behind the dynasty. It worked out for them for a decade or so. But where are they now? Here’s a question. What if Sonia didn’t join politics then? Congress might have split. But who knows, maybe those splinters might have coalesced in the future with a leader chosen by the workers. And we would have had a proper opposition today with a credible leader.1999This was a landmark year for public policy. For the first time, a union government-run company was privatised wholly. We wrote about the three narratives of disinvestment here. 2000We have a weak, extended and over-centralised state. And to go with it, we have large, unwieldy states and districts that make the devolution of power difficult. In 2000, we created three new states to facilitate administrative convenience. On balance, it has worked well. Despite the evidence, we have managed to create only one more state since. The formation of Telangana was such a political disaster that it will take a long time before we make the right policy move of having smaller states. It is a pity.The 2000s: The Best Of Times2001Not only was the Agra Summit between Musharraf and Vajpayee a dud, but it was followed by a terrorist attack on the Indian parliament. It confirmed a pattern: PM-level bilateral meetings made the Pakistani military-jihadi complex jittery, and it invariably managed to spike such moves with terrorist attacks. 2002There was Godhra and the riots that followed. What else is there to say?2003The Fiscal Responsibility and Budget Management (FRBM) Act and the Civil Services Pension Reform are two policy successes with many lessons for future policymakers. We have discussed these on many occasions. 2004The NDA government called for an early election, confident about its prospects. India Shining, its campaign about how good things were, wasn’t too far from the truth. It is how many of us felt during that time. The NDA government had sustained the reform momentum of the 90s with some of the best minds running the key departments. Its loss was unexpected. Chandrababu Naidu, a politician who fashioned himself like a CEO, was taken to the cleaners in Andhra Pradesh. Apparently, economic reforms didn’t get you votes. The real India living in villages was angry at being left out. That was the lesson for politicians from 2004. Or, so we were told.Such broad narratives with minimal factual analysis backing them have flourished in the public policy space. There is no basis for them. The loss of NDA in 2004 came down to two states. Anti-incumbency in Andhra Pradesh where a resurgent Congress under YS Reddy beat TDP, a constituent of NDA. TDP lost by similar margins (in vote share %) across the state in all demographics in both rural and urban areas. There was no rural uprising against Naidu because of his tech-savvy, urban reformist image. Naidu lost because the other party ran a better campaign. Nothing else. The other mistake of the NDA was in choosing to partner with the ruling AIADMK in Tamil Nadu (TN) over DMK. TN was famous for not giving split verdicts. It swung to extremes between these two parties in every election. And that’s what happened as AIADMK drew a blank.Yet, the false lesson of 2004 has played on the minds of politicians since. We haven’t gotten back on track on reforms in the true sense. 2005The Right to Information Act and the National Rural Employment Guarantee Act came into force in 2005. The “right to X” model of governance took root.2006In March 2006, George W Bush visited India and signed the Civil Nuclear Cooperation Agreement with Manmohan Singh. From facing sanctions in 1998 for Pokhran 2 to the 123 Agreement, this was a victory for Indian diplomacy and its rising status in the world. You would think this would have had bipartisan support among the political class in India. Well, the Left that was part of UPA and the BJP that worked on the deal when it was in power, opposed it. Many shenanigans later, the deal was passed in the parliament in 2008. It is often said there’s no real ideological divide among parties in India. This view can be contested on various grounds. But events like the opposition to the nuclear deal make you wonder if there are genuine ideological positions on key policy issues in India. Many sound policy decisions are opposed merely for the sake of it. Ideology doesn’t figure anywhere. 2007It was the year when the Left parties were out-lefted. In Singur and Nandigram, protests erupted over land acquisition for industrial projects. The crucible of the resulting violence created a new political force. As for the investment, the capital took a flight to other places. The tax on capital ended up being a tax on labour. Businesses stayed away from West Bengal. The citadel of Left turned into its mausoleum.2008Puja Mehra in her book The Lost Decade traces the origin of India losing its way following the global financial crisis to the Mumbai terror attack of 2008. Shivraj Patil, the home minister, quit following the attack and Chidambaram was shifted from finance to fill in. For reasons unknown, Pranab Mukherjee, a politician steeped in the 70s-style-Indira-Gandhi socialism, was made the FM. Mehra makes a compelling case of how that one decision stalled reforms, increased deficit and led to runaway inflation over the next three years. Till Chidambaram was brought back to get the house in order, it was too late, and we were halfway into a lost decade. It is remarkable how bad policies always seem easy to implement while good policies take ages to get off the blocks.2009The Unique Identification Authority of India (UIDAI) was established in January 2009 to architect a unique digital identity for persons in a country where low rates of death and birth registrations made fake and duplicate identities a means for corruption and denial of service. Under the Modi government, the digital identity — Aadhaar — became the fulcrum of several government services. This project also set the stage for later projects such as the Unified Payments Interface (UPI) and Abha (Health ID).2010There’s petty corruption everywhere in India. It is pervasive. Not surprisingly, it is one political issue leading to mass movements in India. The anti-corruption mood gripped India in 2010 on the back of the 2G spectrum scam, where the chief accountant of the government claimed a notional loss of about Rs. 1.8 trillion to the exchequer. Auctioning of natural resources wasn’t exactly a transparent process then. It was evident there was a scam in the allotment of the 2G spectrum. But the 1.8 trillion number was a wild exaggeration that anyone with a semblance of business understanding could see through. It didn’t matter. That number caught the imagination. UPA 2 never recovered from it. More importantly, the auction policy for resources was distorted forever. We still suffer the consequences.The 2010s: Missed Opportunity2011India’s last case of wild poliovirus was detected in 2011. Until about the early 1990s, an average of 500 to 1000 children got paralysed daily in India. The original target for eradication was the year 2000. Nevertheless, we got there eleven years later. India’s pulse polio campaign has since become a source of confidence for public policy execution in India. We internalised the lesson that the Indian government can sometimes deliver through mission mode projects. 2012If you cannot solve a vexing public policy issue, turn it into a Right. It won’t work, but it will seem like you’ve done everything. After years of trying to get the national education policy right, the government decided it was best to make education a fundamental right in the Constitution. Maybe that will make the problem go away. A decade later, nothing has changed, but we have an additional right to feel good about.2013This year saw the emergence of AAP as a political force via the anti-corruption movement. AAP combines the classic elements of what makes a political party successful in India - statist instincts, focus on aam aadmi issues, populism and ideological flexibility. Importantly, it is good at telling its own version of some future utopia rather than questioning the utopia of others. 2014The BJP came to power with many promises; the most alluring of them was ‘minimum government, maximum governance’. Over the past eight years it has claimed success in meeting many of its promises, but even its ardent supporters won’t claim any success on minimum government. In fact, it has gone the other way. That a party with an immensely popular PM, election machinery that rivals the best in the world, and virtually no opposition cannot shake us off our instinctive belief in the State's power never ceases to surprise us.2015The murder of a person by a mob on the charges of eating beef was the first clear indication of the upsurge of a new violent, majoritarian polity. It was also one of the early incidents in India of radically networked communities using social media for self-organisation. Meanwhile, 2015 also witnessed the signing of a landmark boundary agreement between India and Bangladesh, which ended the abomination called the third-order enclave. The two States exchanged land peacefully, upholding the principle that citizen well-being trumps hardline interpretations of territorial integrity. 2016There will be many case studies written in future about demonetisation. Each one of them will end with a single conclusion. Public policy requires discussion and consensus, not stealth and surprise. We hope we have learnt our lesson from it.2017Until 2017, many in India still held the hope of a modus vivendi with China. Some others were enamoured by the Chinese model of governance. However, the Doklam crisis in 2017, and the Galwan clashes in 2020, changed all that. Through this miscalculation, China alienated a full generation of Indians, led to better India-US relations, and energised India to shift focus away from merely managing a weak Pakistan, and toward raising its game for competing with a stronger adversary. For this reason, we wrote a thank you note to Xi Jinping here. 2018It took years of efforts by the LGBTQ community to get Section 377 scrapped. In 2018, they partially won when the Supreme Court diluted Section 377 to exclude all kinds of adult consensual sexual behaviour. The community could now claim equal constitutional status as others. There’s still some distance to go for the State to acknowledge non-heterosexual unions and provide for other civil rights to the community. But the gradual acceptance of the community because of decriminalisation is a sign that our society doesn’t need moral policing or lectures to judge what’s good for it.2019The J&K Reorganisation Act changed the long-standing political status quo in Kashmir. Three years on, the return to political normalcy and full statehood still awaits. While a response by Pakistan was expected, it was China that fomented trouble in Ladakh, leading to the border clashes in 2020. 2020We have written multiple pieces on farm laws in the past year. The repeal of these laws, which were fundamentally sound because of a vocal minority, is the story of public policy in India. Good policies are scuttled because of the absence of consultation, an unclear narrative, opportunistic politicking or plain old hubris. We write this newsletter in the hope of changing this. 2021The second wave of the COVID-19 pandemic left behind many bereaved families. People are still trying to pick up the pieces. The sadness was also interrupted by frustration because of the delays in getting the vaccination programme going. India benefited immensely from domestic vaccine manufacturing capability in the private sector. Despite many twists and turns in vaccine pricing and procurements, the year ended with over 1 billion administered doses. In challenging times, the Indian State, markets, and society did come together to fight the pandemic. So, here we are. In the 75th independent year of this beautiful, fascinating and often exasperating nation. We are a work in progress. We might walk slowly, but we must not walk backwards. May we all live in a happy, prosperous and equal society. Thanks for reading Anticipating the Unintended! Subscribe for free to receive new posts and support our work. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit publicpolicy.substack.com
Dr. Karen Rezach and Meryl Selig discuss The Ethics Institute at Kent Place School, a comprehensive bioethics curriculum for primary and secondary school students. Dr. Rezach, an ordained Episcopalian minister, promotes the teaching and practice of ethical thinking and decision making. The institute's goal is to develop effective leaders and compassionate citizens. The conversation continues with Regene Nolan, an alumna of KPS and aspiring medical student. Regene discusses how the bioethics training expanded her awareness and critical thinking skills, as well as her career plans.
Having more than one source of income is the best way to build and secure wealth. Kay Kay Singh is a Microsoft-certified systems engineer turned real estate investor and entrepreneur. He's a GP in 5500 multifamily units, and the owner of several gas stations and ground-up laundromat builds. From doing proper due diligence to leveraging technology, Kay Kay shares the secrets to his success in these different spaces. [00:01 - 08:16] Buying 40 Single-family Homes All At Once Kay Kay on his background and experience working with an old school owner Going on his own and incorporating technology into his process Why he transitioned to being a passive investor His plans for his gas station business [08:17 - 13:28] Proper Due Diligence in Loans The importance of catering to investors Investing with his own money Why they do non-recourse loans Doing everything from putting the risk money down to the asset management [13:29 - 17:56] Using Automation in Business Seeing the need for a laundromat in his neighborhood Creating a card system to solve a problem Incentivizing customers to adapt How his customers are in a way working for him for free [17:57 - 19:18] Closing Segment Reach out to Kay Kay! Links Below Final Words Tweetable Quotes “I'm very good at communication. When somebody texts me, emails me, calls me, I try to answer their calls as soon as possible. So I'm trying to do my best to cater to my investors, and that way, I can raise capital easily for my deals.” - Kay Kay Singh “I don't have my investors in the deal if I can't invest my own money because my investors are my net worth. So I have to be very careful. I'm not deal-hungry, so I'm not getting on every deal that that comes across my desk. ” - Kay Kay Singh “I looked at everything and I tried to do my best to get everything in and make the customers happy and also provide something different.” - Kay Kay Singh ----------------------------------------------------------------------------- Connect with Kay Kay Singh through the Grow Rich Capital website. Resource Mentioned: Think and Grow Rich by Napoleon Hill Connect with me: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns. Facebook LinkedIn Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in! Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below: Kay Kay Singh 00:00 I wanted to give something good back to the community as well. So I bought that lot and built it from ground up. And it's a card system and bigger machines. And I did one year of research before building it. So I had looked at every aspect, every equipment that is needed, and even 15 years from now. Intro 00:24 Welcome to the How to Scale Commercial Real Estate Show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big. Sam Wilson 00:36 Kay Kay Singh is a Microsoft-certified Systems Engineer turn successful multi-business owner and a real estate investor. Kay Kay, welcome to the show. Kay Kay Singh 00:45 Thank you so much for having me on your show, Sam. Sam Wilson 00:48 Pleasure's mind. Three questions I ask every guest who comes on the show in 90 seconds or less. Can you tell me where did you start? Where are you now? And how did you get there? Kay Kay Singh 00:56 I started in real estate in 2015 by buying a portfolio of 40 single-family houses now. I'm a partner in 5500 multifamily units. And to get there, I started investing passively when I bought this portfolio, I started investing passively with the other partner, other syndicators and then learn from there and transition to the GP-side back about four years ago. Sam Wilson 01:26 That is a heck of a leap into real estate. Most people don't buy 40 single-family homes all at once, what gave you the confidence to say, Hey, this is this is something I think I can execute on. Kay Kay Singh 01:40 The guy who sold us is from our community, very respected guy and is a senior citizen, and he wanted to return, he promised me so many things that I can decline. Sam Wilson 01:52 He promised you so many things. What does that mean? Kay Kay Singh 01:55 That means he gave me a good deal, number one. And the second thing, he promised that I don't have to spend a penny to get down the portfolio. So kind of self-financing. And the third thing, he said, I will train you for a year. Sam Wilson 02:11 Wow. Kay Kay Singh 02:12 Not all things happened. He changed his mind about the seller financing. And we had to go to the bank to get a seller financing. But in trade of that I got a one house free. And also when he started training me, he was old school. So he was doing everything with a pen and pencil. I didn't like doing that. Being a Microsoft-certified System Engineer. I wanted to use the technology available these days to manage my properties. So I let him go after 10 days of ownership. Sam Wilson 02:49 So the year deal didn't really matter if he was there. You said hey, I figured it out pretty fast and said I can do this better after 10 days. Kay Kay Singh 02:58 Yes. Sam Wilson 02:59 What were some of the things you implemented? Obviously getting off pen and paper was one of them. But what were some other things that you looked at and said, Man, I can do that better. Kay Kay Singh 03:06 Most of it was technology. So I read online and bought us property software, property management software and a lot of other technology. Everything was paperless. So I made everything paperless and convenient. I didn't have to sit in the office. Also with by signing the property management software, everybody was paying online. Or I had a lockbox, they could drop a money order check over the lockbox too, so I didn't have to be there. First thing I made myself independent because at that time, I was managing a gas station and a laundromat. So I didn't have time to sit there in the hours and wait for the tenants to come and pay the rent and tell me all the stories they have. Sam Wilson 03:51 Right. Yeah. Were there any other surprises when you took that portfolio over? Kay Kay Singh 03:56 Not really, because he was very honest and telling us everything he had. And I did work some of the properties. I didn't work all the properties. And he was very transparent. Sam Wilson 04:09 Wow, that's unusual. Good for you. Kay Kay Singh 04:12 There weren't any deferred maintenance either. Sam Wilson 04:14 Wow. That's fantastic. You quickly transitioned though, to being a passive investor in multifamily. What was the thinking or what was the impetus to do that? Kay Kay Singh 04:26 When I started the real estate, I thought, Okay, now at that time, I had eight gas stations and a couple of laundromats and I thought okay, now we won't have to pay any income tax because we are in the real estate business, but we ended up paying more tax. And then I thought okay, I thought we can be in the real estate business and not pay any tax but I'm ending up paying more tax. So I checked up with my account and I started researching myself. And then I came through the word syndication and passive investment I've never thought of before. But then I immediately invested with one of the syndicators in Indianapolis, where you are from. So that was my first investment. And I started learning from there. And then I invested heavily passively. Sam Wilson 05:18 What caused your taxes to go up when you acquired 40? Houses? I mean, those are no depreciation, no... Kay Kay Singh 05:25 Because there was no, we didn't get any costs. Actually, I didn't even know there is any cost segregation or anything at that time. So my taxes went up, because we've made a lot of income from those properties. Sam Wilson 05:40 Right. Interesting. Okay, yikes. Yeah. And so then you said, Alright, so I can figure this passive investment thing out, what's your long term, what's your long term plan in real estate investing, like, you go fat 10 years from now, where do you want to be? Kay Kay Singh 05:55 I still partner with other people and do deals, and I want to do my own deals at some point. I have sold for gas stations last year, I'm trying to get little stuff off my plate before I jump in by myself. I have been partnering with other good operators and doing deals for the last four years. Sam Wilson 06:17 You sold four gas stations, gas stations seemed like one of those things that especially in a time, you know, in a high inflationary environment, that would be a very nice asset to own because your product gets repriced daily, is that not a fair assumption? Or am I missing something there? Kay Kay Singh 06:34 I don't think so. Because there is a labor problem too. So you can keep up to date with the rising prices, sometimes you end up selling cheaper, the wholesalers have a lot of more infrastructure than we do at the gas station level. So they can raise the prices with one click of a button but we have to bring all the stuff into the office, scan them and change the pricer and all that. So we don't have that kind of technology. And we cannot afford that kind of technology to keep up. So sometimes we end up selling cheaper stuff, we don't get time to update the pricing on daily basis. Sam Wilson 07:12 Interesting. So that sounds like one thing maybe you didn't like about the gas station business. What were some other things in it that are maybe given you like, Hey, I think there's more opportunity elsewhere? Kay Kay Singh 07:23 No that I didn't like I have been in the gas station business for 22 years. I still own several gas stations. But I think it's time to get out of it because I'm getting old. And gas station needs a lot of daily work. So I think real estate is much better, where you can work from anywhere. I mean, gas stations, I've really done work during the last 22 years in the gas station business. I'm not saying anything about the gas station. That's all we knew about seven years back, I'm trying to get some stuff off my plate so that I can focus more on multifamily only. Sam Wilson 08:03 That is really cool. I love when people have multiple income streams when you're in, you know, obviously multiple businesses, things that generate revenue, because it gives you a perspective other people maybe don't have. So you love real estate, you love what it does for you. But you've come in on the passive investment side, and then you've come in on other 5500 units on the general partner side. It sounds like you'd like you said your long term goal then is to be the active sponsor. What are things you're doing right now as part of the general partnership where it's a good relationship for you and your other partners? Kay Kay Singh 08:38 I focus on capital raising, and I do have the network to sign loans, etc. So I'm on KP on a lot of deals as well. But I kind of I have a passion. I'm a people person I have built trust over these 22 years I've been here in United States, I'm very good at communication. When somebody has they text me email me call me. I try to answer their calls as soon as possible, etc. So I'm trying to do my best to cater to my investors. And that way I can raise capital easily for my deals. Sam Wilson 09:16 Talk to us about the loan guarantor side that's not something we spend a lot of time talking about, what are things that you are seeing on the loan guarantor side you'd like and what are things that concern you about it? Kay Kay Singh 09:28 Of course, there is a liability, there's a risk, but I do my proper due diligence before I sign the loan, I don't want to put my net worth and that gives me confidence and I invest my own money in every deal. And that gives a less, I don't have my investors in the deal if I can't invest my own money, because that is, my investors are my net worth. So I have to be very careful. I'm not deal-hungry, so I'm not getting on every deal that comes across my desk. I do my own due diligence, I do underwrite by myself. If I like the deal, if I like the market, if I like the sponsors, then only I do the deal. Sam Wilson 10:11 When you're a loan guarantor, are you doing non-recourse loans only? Kay Kay Singh 10:17 Yes, because we do larger properties. So those are always non-recourse loans. And also, by signing the loan, you are on the right side of the law. And also I'm because legally, you cannot only raise capital, right? So I'm signing the loans, putting the earnest money in doing going to the due diligence and attending the asset management calls and everything. So to be a part and that way, I have more confidence on the property, because I'm on their weekly calls every week and know a lot what's going on the property, etc, that I can communicate with my investors. Sam Wilson 10:57 Yeah, I mean, I think it's interesting, obviously, on the loan guarantor side, because the lender wants to make sure that even if the property doesn't perform that there is a balance sheet, that or balance sheet partner, obviously can come on and cover that debt if for some reason the loan, or the property isn't producing enough income to cover the debt. I think it's also intriguing when you get into these situations where it's non-recourse, so even if you decide yourself, you're not going to pay it, they can't necessarily come after you. So it's kind of an interesting mix of like, why do they even need a loan guarantor, right? Kay Kay Singh 11:30 Well, if something goes wrong, there are cards in those recourse loans, too. So if something goes wrong, they can still come after you. And they're gonna have you send your quarterly, your bank balances and all that quarterly. They want to make sure that the backup is good enough. Sam Wilson 11:49 Right. Right. No. Understood. Understood. Yeah. I mean, there's always the bad boy, we call the bad boy carve out. Yeah. Right. So if you guys do something not supposed to do, which, I mean, obviously, that puts a lot of that means you have to have a lot of trust in your other partners, that they're gonna behave ethically, morally take care of everyone in the process, and not things they shouldn't be doing. What is a typical structure? I've heard all sorts of different structures on a loan guarantor side tell us, maybe you know what you see the typical structure for a loan guarantor when you come on as a general partner. Kay Kay Singh 12:23 So I do not go as a KP only, right. So I can talk much about the structure for KP, because I do everything from putting the risk money down to the asset management. So I don't just go and sign loans for other people and then get a piece of the pie. But I have heard it, it's like 10% to 15%. I have heard other people and they're looking for KPS, they're offering 10 to 15. And I have been offered several times, but I just don't sign the loans. Sam Wilson 12:58 Right. Right. That answers I think that answered that question very well, thanks for taking the time to kind of break that little nuance to this business down because I think people when they're scaling, they often have that question. They're like, well, you know, we could take this deal down, we understand it well enough, but maybe they're not far enough along in the business where they have that balance sheet to back it up. So go find bringing on a balance sheet partner a loan guarantor is, you know, an excellent way to take down some of these larger assets, especially early on, let's talk a little bit about the laundromat business. You and I are have this in common. And I think it's a fun again, it's a fun diversification outside of potentially real estate, but you guys have done because I know you've built some ground up. Is that right? Kay Kay Singh 13:44 Yes. Sam Wilson 13:45 Okay, can you tell us a little bit about the business, what you like about it, and where you see it going to backup back in 2012? When it was so I had an empty lot sitting by my gas station, somebody owned, so I decided there was a laundromat down the street, a block away. And they used to come and get quarters from us. And they were always complaining about the laundromat. Right then it took their quarters and all that stuff. So it stuck to my mind that we need a laundromat in this neighborhood and I had been in this neighborhood for 12 years where that gas station that was my first gas station. So I wanted to give something good back to the community as well. So I bought that lot and built it from ground up. And it's a card system and bigger machines. And I did one year of research before building it. So I had looked at every aspect, every equipment that is needed, and even 15 years from now. So I looked at everything and I tried to do my best to get everything in and make the customers happy and and also provide something different than what other laundromats in Fort Wayne provided. And I did that. Sam Wilson 15:05 When you say you went to a card system, you know most people think of laundromats or putting quarters in the machines is yours only card? Kay Kay Singh 15:13 Only card. Sam Wilson 15:14 Interesting. So you've eliminated the need to go in and collect quarters out of all these machines every week. If you found any, we're gonna get nuanced here. But if you found any potential loss of revenue, because people come in and they want to spend quarters in the machines, are they expect to have a coin laundry? Kay Kay Singh 15:34 No, we haven't. And I was a little skeptical in the beginning that people might not like just the court system. And it happened, a lot of people would walk to the laundromat, and then when they see all we have to have a card, they would go away. So for the very first year, I had the employees. So I trained my employees, because it was by our gas station. So I spent some time there to, to educate the customers, right, we gave them $5 for registration of the card. So if somebody walked into the store with a bunch of quarters and say, hey, oh, I have only borders and machine doesn't take orders, those machines don't take orders, they take bills, or they take credit card, our slightly take them to the gas station, I'm not saying that money into bills, and then would buy them a card and then have them register and the machine-like throws flowers and says, Hey, you have one $5 And they would be happy. And at the end of the day, they would be happy customers when they walk out of the laundromat. Sam Wilson 16:42 Right. And that goes back to the automation thing of getting tenants to pay either digitally, or just eliminating some of those typical, you know, things that you're finding with the old school pen and paper guy you bought your first set of single-family houses from and I think that's the name of the game in this business is constantly finding innovations and inefficiencies. So when you bought some multifamily complex user management and efficiencies or 40 houses, you know, what are the inefficiencies that in problems we can solve. The other cool thing I think on those in it's the same way with the card system, it cuts out a lot of labor and risk. You know, there's cash and card games. The other thing it does, obviously, I think it gives you it gives you float, the whole gift card, you know business is a racket, people are always leaving 1, 2, 3 $4 on a card and then throwing it away. And that's just free revenue. Kay Kay Singh 17:30 And then on top of that, you have your customer working for you for free. So they are the ones training the new customers, right? So when they walk in, they don't know what to do. So the customers will take them to the extender and show them how to get a card and everything. So they're working for you while they're there for free. Sam Wilson 17:52 It's beautiful. It's a beautiful thing. Kay Kay, I love it. I appreciate you coming on the show today. This has been a lot of fun just hearing about your vast business experience. You know owning 40 single-family homes now being a general partner in 5500 units, owning eight gas stations, several ground-up laundromat builds I mean, you've got your hands on a lot of things and I love just the entrepreneurial spirit and the hustle that you bring to the table, certainly appreciate you coming on. If our listeners want to get in touch with you or learn more about you what is the best way to do that? Kay Kay Singh 18:21 We have a website, the name is growtichcapital.com The name I got from here. Grow Rich Capital and I would advise your audience to read, definitely read this book. This will change your life. Sam Wilson 18:37 I love it. Yeah, that's Think and Grow Rich. If you're listening to this, he's showing us Think and Grow Rich by Napoleon Hill. Love the fact you just borrowed the name and called it Grow Rich Capital. Sam Wilson 18:46 Kay Kay, thank you for your time today. I do appreciate it. Look forward in here soon. Kay Kay Singh 18:50 Thank you so much for having me, Sam. Sam Wilson 18:52 Hey, thanks for listening to the How to Scale Commercial Real Estate Podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, whatever platform it is you use to listen, if you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories so appreciate you listening. Thanks so much and hope to catch you on the next episode.
Pakistan continues to find enough terrorists to push into the Kashmir Valley and cherry-pick Kashmiri Hindus who are returning to their homeland. Here are some steps that can be taken to ensure that the KPs feel safe and secure in their homeland. #KashmiriPandits #RahulBhatt #NarendraModi #Kashmir #Security
Kelly is joined by John-Eric Gilbert to discuss many topics related to the local KPS community. Episode recorded 4/29/2022.
John sits down with the boys to talk about his run for the KPS school board. As a registered Republican John has recieved the endorsement of several "liberal" sources and voters. Listen in to hear more about John's campaign.
PolicyWTF: Learning Everyday From GST This section looks at egregious public policies. Policies that make you go: WTF, Did that really happen?- RSJMany years ago, I went out for dinner with a client in Paris. It was a nice restaurant. Soon, the wines started flowing, escargots were polished off and I was educated on the mother sauces of French cuisine. The lark was on the wing, the snail was on the thorn plate, the client was footing the bill, God was in his heaven, and all was right with the world etc. You get the picture. Then late (very late) into the evening, desserts were served. And I was served pain perdu. It looked like French toast. It tasted like French toast. But here it sat staring at me as a dessert. For a moment I thought we had dined for so long that we had crossed over to breakfast. But no. This was still dinner time. And here was pain perdu. It was then I added French toast to my list of food items that are difficult to categorise. The Bombay falooda tops the list. For good reasons. After all, what is a falooda? Sevai ki kheer? Icecream? Basil seeds or sago pudding? Jelly with milk and syrup? There’s no answer. There cannot be any. Except, maybe it is 42.However, things have changed in the past few years. I have gotten the answer to such existential food queries of mine from an unlikely source.GST.The GST appellate authority for advance ruling (AAR) of various states has been a steady source of insights on this topic. I have learnt the difference between barfi and chocolate barfi – one is a sweet, the other a chocolate; what’s the essence of falooda – it is icecream, everything else is incidental; is paratha different from parotta – yes, big time; is 100% wheat paratha different from roti and khakra – of course, it is; are basundi and badam milk sweets or are they beverages – they are beverages; is a biscuit with chocolate coating a biscuit; is a chocolate with wafer coating a chocolate – well, the jury is still out on this one. I could go on. AAAR has always come to the rescue. See here and here (section 2).Adding to this long list of nuggets of wisdom was the Haryana AAAR last week. Here’s the ET reporting on pizza and pizza toppings:“A pizza topping is not a pizza and hence should be classified differently and levied a higher 18% goods and services tax (GST), the Haryana appellate authority for advance ruling (AAAR) has ruled. This could complicate taxation for several pizza brands, especially when the pizzas are sold within a hotel or restaurant, said tax experts.GST rates on pizzas differ on the basis of how they are prepared and sold. A pizza sold and eaten within a restaurant attracts 5% GST, the pizza base bought separately attracts 12% while a pizza delivered at home attracts 18% GST.The AAAR ruled on March 10 that pizza topping should face 18% GST as its preparation method is different from that of a pizza. It considered all the ingredients used in a topping and concluded that while a pizza topping is sold as a "cheese topping" it's not really cheese and hence should attract higher taxes.The authority ruled that pizza topping contains "vegetable fat" as a substantial portion, being 22% of the ingredients, and hence, it does not qualify to be categorised as 'processed cheese' or a type of cheese. Pizza topping would merit classification as 'food preparation', it said.Tax experts said GST rates could depend on three tests - common parlance test, end use test or ingredients test - and that often tax rates could differ how a product is categorised. Cheese, for example, is taxed at a lower rate if it is called "fat" or processed food preparation.”This is the kind of clarity I always wanted in life.The unintended benefits of GST through the AAAR clarifications on food items have been tremendous. Those who ask ‘show me an example of a good public policy’, should take note of this.PS: Check out how the inverted duty structure of GST creates professional refund cheaters in edition #50.India Policy Watch: The Kashmir FilesInsights on burning policy issues in India- RSJThere’s a new film in town. The Kashmir Files (TKF). It is so good that even the super busy PM has recommended it. Ministers have tweeted about it in glowing terms. State governments have given their staff a holiday to watch it. I have seen news anchors comparing it favourably with Schindler’s List. I guess a new wave of cinema is upon us. What a time to be alive. Let me admit I haven’t watched it yet, the philistine that I am. So, I cannot say much about the merits of the film. Not that it has made much of a difference to the prospects of the film. The film is a huge commercial success without my patronage. And that merits a discussion.From what I have read about the film, it is a semi-fictional account of the exodus of the Kashmiri Pandits (KPs) from the valley in the early 90s. It traces the events leading to the exodus, the hardship faced by the community during those days and the tragedy of being uprooted from your homeland with the prospect of never going back. Like most displaced communities around the world, the KPs have shown remarkable resilience in building back their lives since. They have gone about doing it in a manner that reflects the ethos of a gentle and graceful community. The many KPs I have met (we all have had them in our colleges) always spoke of those days with a sense of loss and anguish. But never rancour. It is what always struck me about them. The director, it appears, has taken this rich screenplay material and mounted a film that has drawn unqualified praise from the partisans of the BJP. The reaction from the opposite camp has been on expected lines too. That it is a propaganda film weaponising the tragedy of a community to sustain the ongoing campaign to vilify Muslims in India. Like many debates in contemporary India, I suspect this debate will be settled with the film earning billions at the box office in the shortest time. Or another vanity metric of this kind. The majority will have then spoken. Everybody will have to calm down. The Right Reason To Make The FilmI have written in earlier editions about the value of encouraging contesting narratives about our history in the public domain. One of the mistakes in the early years of our independence was that we didn’t let this happen as much. An ‘establishment’ was created that dominated academics, culture and arts which swore by liberty and free speech but muzzled other voices than their own. The state often supported this overtly. There might have been compulsions of the moment then for the state to have propped up a narrative. But this continued far too long and over time turned into a cabal. This meant alternative narratives festered on the fringes with limited academic rigour or challenge. And when their moment came, as it always does, these loose and phantasmagoric versions have taken over social media. You can challenge a book that’s published based on some research. But how do you counter millions of fake WhatsApp messages that are sent out every day to create new history? The eventual outcome of suppressing alternative voices is always worse. John Stuart Mill, while laying down his three arguments in favour of free speech in Chapter 2 of On Liberty, had warned about this. We now see the impact of this around us. This is the reason I believe we should welcome other voices. Our revulsion to them means nothing in the long run. For instance, I read the couple of well documented biographies of Savarkar that have come out of late. I’m no fan of the man. But there are many who are and it is worth having a full account of his life to understand the present moment. The books about him have been challenged both on their content and their message. There are debates about plagiarism of passages, poor research, and reproducing right-wing bile directly from his autobiography into the books. But they are out there for others to read and to criticise. You get a somewhat complete picture of a complex man like Savarkar; warts and all. The criticism of the books makes you more aware of the issues involved and hopefully, you will have fewer WhatsApp messages in family groups about the unproven myth of Savarkar. This should be seen as a net positive social outcome. Better than no books on him. So, my starting position on a film like The Kashmir Files emerges from there. For long there’s the argument made that if you don’t like the left-wing slant in arts and cinema, why don’t you write your own books and make your own films? So, why should anyone complain if these books and films are being made? They may have dubious artistic merits and they may even be unvarnished propaganda but let that be debated in public. It is not that left-wing art didn’t have these faults. History has shown this works out better than suppressing them.And The Wrong ReasonsWith that point on principle out of the way, let’s move on. What interests me more is the question of the role of art in society and what does the phenomenon of TKF reveal about India today.There’s the question of truth here. A lot of discussion about the film has been about its thinly fictionalised storyline that plays fast and loose with facts. Importantly, the partisans of the film have promoted it as a work that tells the ‘truth’ about what happened to the KPs of the valley. There are two problems here. One, all art is a pursuit of a truth of some kind. But it is just that. A pursuit. TKF is a film, regardless of its merit, that pursues a version of truth its makers believe in. That cannot ever be absolute. Art must make what’s invisible, visible. In that limited way only, it serves the truth. So, this relentless campaign to posit this as the only truth about what happened in the valley is dangerous. The exodus of the KPs didn’t spontaneously emerge out of a vacuum. There was half-a-century history to it that’s riddled with wars, false promises and a sense of alienation. And there’s a timeline to Kashmir history after the exodus too that includes the highest military presence in any piece of land in the world, killing of the innocents and upending of lives. TKF will contribute to this composite truth. It cannot replace it. History is always ambiguous. What really happened and why are shape-shifting monsters. We all are in the Proustian search for lost time. Even personal memory gets addled over the years. So what will you make of collective memory? You can only have versions of it.Two, I have an instinctive suspicion of the state promoting a work of art on an ideological basis. The state can be a patron as it has been for ages. It must create an environment for art to thrive. But when it weighs in on what’s good art and what’s not, understand that things have gone wrong. I’m not inclined to draw lazy parallels while writing here. But the experience of Soviet and Nazi attempts in using arts for the political end is too recent to be forgotten. Like Adorno wrote, “all art is an uncommitted crime.” It breathes because it challenges power and dominant narratives. Once it moves in lockstep with the state, it loses its vitality. Because soon works of art will be created to retrofit what pleases the state. Then there’s no pursuit of any truth. It all becomes in service of the state. What remains is propaganda.As Camus wrote in his famous essay on art, Create Dangerously (1957):“To create today is to create dangerously. Any publication is an act, and that act exposes one to the passions of an age that forgives nothing. Hence the question is not to find out if this is or is not prejudicial to art. The question, for all those who cannot live without art and what it signifies, is merely to find out how, among the police force of so many ideologies, the strange liberty of creation is possible. It is not enough to say in this regard that art is threatened by the powers of the State. If that were true, the problem would be simple: the artist fights or capitulates. The problem is more complex, more serious too as soon as it becomes apparent that the battle is waged within the artist himself.…Of what could art speak, indeed? If it adapts itself to what the majority of our society wants, art will be a meaningless recreation. If it blindly rejects that society, if the artist makes up his mind to take refuge in his dream, art will express nothing but a negation. In this way we shall have the production of entertainers or of formal grammarians, and in both cases, this leads to an art cut off from living reality.…Consequently, its (art’s) only aim is to give another form to a reality that it is nevertheless forced to preserve as the source of its emotion. In this regard, we are all realistic and no one is. Art is neither complete rejection nor complete acceptance of what is. It is simultaneously rejection and acceptance, and this why it must be a perpetually renewed wrenching apart.”The question of TKF as a work of art therefore cannot be separated from what purpose is it serving in today’s India. Is it being used to learn lessons from the past? What does the story of the exodus of a minority community at midnight with a handful of valuables and a heart full of memories teach us? I think the only lesson Kant (Immanuel) would have asked us to take is that which can be applied universally. And that is a society must protect its minorities. The majority shouldn’t turn their heads away when something similar happens again. The moral question then is simple. Is that the lesson that’s being learnt from TKF? Is that why it is a runaway hit? You know the answer as well as I do. Maybe these are big goals for a mere film. So, let’s narrow it. Is the film helping KPs in anyway? Or is it driving a wedge that makes a return to their homelands more distant? Some see the mere act of telling the story of KPs in the way it has been shown as a salve for their wounds. Maybe it is a salve. Maybe it is reopening of old wounds. Maybe it is both. That’s for the KPs to decide. What is the rest of India being asked to learn from it? There are only uncomfortable answers here. Its success tells us something about the times it has been made. Cinematically, I can bet TKF is no Schindler’s List. I don’t need to watch it to state that. We don’t need to declare holidays for people to watch it. If we want to watch a great film about India on a holiday, “uska prabandh kiya ja chuka hai.” It has been arranged. We show that great film every year across TV channels on October 2. Watch it. There’s always something new to learn for anyone who holds humanity dear.The instrumental use of art for political ends is a frontier. When you cross that, you are in strange territory. The success of TKF at the box office points us only in one direction.It is called an ‘andha kuan’ in Hindi.PolicyWTF: Pension Troubles are BackThis section looks at egregious public policies. Policies that make you go: WTF, Did that really happen?- Pranay KotasthaneLong-time readers of this newsletter know that I have cited the civil services pension reform in 2004 as an example of a policy success because the government was able to align cognitive maps in a manner that generated little backlash and protests. Until 2004, Indian governments promised to pay their employees’ pensions from the money collected from future taxpayers. Unlike in the private sector, where employees and the employer together contribute towards an employee’s pension fund, government employees bore no such responsibility. As a result, the burgeoning pension bill led the government to change its stance in 2004. Through the reform, any employee joining the union government from April 1, 2004, contributed a part of their salary to their pension fund and the contribution was to be matched by the government. Over time, state governments (except West Bengal) implemented this reform.To ensure that this doesn’t mean going back on past promises, this reform was applied only to new recruits, which immediately disarmed powerful unions of existing employees. Secondly, new employees effectively received a salary hike of 10 per cent, which was the government’s contribution to their pension fund. Finally, armed forces personnel were kept out of this reform given the short service term of non-officers. Quite a fair proposition, one would think. Good economics intersects with good politics; all bases covered; cognitive maps aligned. Well, not quite. Good economics needs a sustained cover of good politics throughout the policy life-cycle. Without the latter, the former has no chance. Having implemented the reform, governments forgot the need for good politics. The result is that in the last couple of weeks, two states—Rajasthan and Chattisgarh—have gone back to the old pension system. Some others are contemplating a similar move. I don’t need to explain why this rollback is terrible. But just to drive the point home, Rajasthan today spends more than half of all the revenue it raises, on pensions and salaries of state government employees. As Mehrishi & Sane write, this implies six per cent of families in Rajasthan corner 56 per cent of all the state taxes and state fees paid by Rajasthan’s residents. By rolling back the reform, the Rajasthan government is going one step further in increasing this unfair redistribution. Future generations will be left holding the can of these ballooning pensions of today’s government employees. The important question is: why the need for this rollback? The cynical reason is electoral politics. Both Rajasthan and Chattisgarh are due for elections next year and the state government is wooing the powerful lobby of government employees at the expense of faceless, dispersed citizens. However, there is another structural reason emanating from poor politics, like in the case of the now-abandoned farm laws. The employees under the reformed pension scheme, who are starting to retire now, have received much smaller pensions than their older counterparts. This has led to protests to overturn the pension reform completely. State governments are responding to these protests. And hence, it’s important to take this concern seriously. We can understand this phenomenon better using a framework from the 1970 book Why Men Rebel? by American political scientist Ted Gurr. Gurr claimed that one of the reasons why people rebel is relative deprivation. The greater the difference between their perception of “what we deserve” and “what we are getting”, the higher their propensity to protest or rebel.In the case of pensions, the reference point for “what we deserve” is the inflation-linked and unsustainable pensions that the older retirees were getting. The perceived levels of “what we are getting” is already quite low because of implementation issues. Employee and government contributions to the funds have been delayed many times over, a concern the CAG has repeatedly raised. The gap between these two perceptions—the relative deprivation—is quite high, and hence the protests. While this model is descriptive, it can also be extended to offer some lessons in politics. According to this framework, the government’s aim should be to reduce the sense of relative deprivation. This can be theoretically achieved in two ways. One, by making it clear that “what the pensioners are getting” is not that bad a deal. This can be achieved by resolving the implementation issues and modifying the scheme to allow the pensioners to opt for higher market-linked exposure. The same effect can also be achieved by communicating how government employees are already much better placed in comparison to the people employed outside the government, in an economy marred by the COVID-19 shock. Two, by adopting a realist strategy that lowers the pensioners’ perception of “what they deserve”. This is a difficult political strategy as it can backfire: who likes to hear that they don’t deserve the absolute best? But this narrative can be created by highlighting the unsustainable current pension burden and its impact on the economy and future generations. In the current scheme of things, neither of these two strategies has been tried. Governments thought that the pension game-set-match had been done in 2004. 18 years later, they are realising that a lot still needs to be done. The Union government is masterful in creating and shaping narratives. That skill, for once, is much-desired here, lest a promising policy success turns into a grave policy error.*The title of the edition is from L.P. Hartley’s 1953 novel “The Go-Between”Advertisement: If you enjoy the themes we discuss in this newsletter, consider taking up the Graduate Certificate in Public Policy course. Intake for the next cohort is open. 12-weeks, fully online, designed with working professionals in mind, and most importantly, guaranteed fun and learning. Do not miss.HomeWorkReading and listening recommendations on public policy matters[Paper & Podcast] This Ideas of India conversation is not to be missed. The linked paper on why economic growth is a necessary and sufficient requirement for developing countries to meet their citizens’ basic needs is a must-read for all public policy students. [Podcast] The ‘One Nation, One Election’ idea is back in the public discourse. We discuss the problems with this idea in the latest Puliyabaazi.[Note] A work-in-progress compilation of opinions in Indian media about the India-Russia relationship. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit publicpolicy.substack.com
Heres the link to answer the questions to go into the drawing for the KPS giveaway!! https://docs.google.com/forms/d/e/1FAIpQLSfFRvAomhzHR8CwTEaFHPBIJw5i001J8LQlZS-hocQ6eLvaqg/viewform?vc=0&c=0&w=1&flr=0 Check out the Instagram for KPS → https://www.instagram.com/kpsessentials/ Heres the link to get 10% off → http://www.kpsessentials.com/discount/Jen10 Mid-Day Sqaures!! 15% off here → https://www.middaysquares.com/?sca_ref=858254.CbxPK42ccG To be the first to know when my book launches AND access my document on some of the changes Ive made you can get it here → https://mailchi.mp/b609cecd4c0f/cancer Connect with me on Instagram: https://www.instagram.com/jendelvaux/ Email me → coachjennyd@gmail.com GROUPS TO JOIN: * STRONGER TOGETHER - Cancer group for women you can request to join: https://www.facebook.com/groups/womeninpink * FIT TO FIGHT - Cancer group for those that want morivations for getting back on track with fitness and health: https://www.facebook.com/groups/nottodaycancerfittofight MY FAVORITES: To help with sleep → Sleepi Gummies: https://glnk.io/z2pl/jendelvaux15 MY favorite Luxury, organic, completely clean skincare line: http://www.kpsessentials.com/discount/Jen10 * Pique Tea: Favorite Tea-> https://www.piquetea.com/?rfsn=5818415.d1d969a&utm_source=affiliate * ORGANIFI CODE TO GET DISCOUNT: https://www.organifishop.com -> Use JEND at check out to save 15% off. * Mid-Day Sqaures!! 15% off here -> https://www.middaysquares.com/?sca_ref=858254.CbxPK42ccG * MENOPAUSE MIRACLE: https://pinklotus.com/elements/?r=401 * My FAVORITE journal where I write what Im grateful for!!! https://pushjournal.com/?rfsn=4086660.6edc3&utm_source=refersion&utm_medium=affiliate&utm_campaign=4086660.6edc3 * To access my document on some of the changes Ive made you can get it here -> https://mailchi.mp/b609cecd4c0f/cancer
Check out this holiday special where Ben Jagt and KPS rejoin us to play a festive D&D adventure.Thanks for listening! Please make sure you subscribe, rate, and review us!You can find us all over the interwebs.Support us on Patreon: https://www.patreon.com/UDISCPod?fan_landing=true@UDISCPOD on Instagram and TwitterFacebook page: https://www.facebook.com/UDISCPODEmail us @ ultimatediscussionpod@gmail.comWebsite: https://udiscpod.buzzsprout.com/Music from roll20.netAchilles by Kevin MacLeodAgnus Dei X by Kevin MacLeodAmbush by Kevin MacLeodArcane by Kevin MacLeodColossus by Kevin MacLeodCrusade by Kevin MacLeodClenched Teeth by Kevin MacLeodMusic from https://pixabay.com/music/ Rebel World by GeriArtBackground Ambient Corporate C by WinkingFoxSupport the show
This is one is for the KPs doing late night prep, alone in the silent kitchen, it's for the dishwashers tackling the end of service loads, it's for the chefs driving off to the market before the first rays of light, the bakers, sipping on that hot cup of joe in between feeding the oven yet another tray of perfectly shaped loaves. This is Off the Clock with Big John (and friends), episode 1. Let us enter your ears, keep you company, discuss Big John's troubled youth in Ohio stealing clocks in busy bars. The format is loose, fluid, just four fellas passing the buck around, some of it is about hospitality, Holybelly, life, the highs, and the lows. Come on down, grab a chair, and listen to a few of Holybelly's chattiest staff member stories. Hi, welcome, good evening, good morning, we're off the clock.
Join Sam and Joe as they interview KPS of the Madison Radicals and Marketing Manager for the AUDL.Thanks for listening! Please make sure you subscribe, rate, and review us!You can find us all over the interwebs.@UDISCPOD on Instagram and TwitterFacebook page: https://www.facebook.com/UDISCPODEmail us @ ultimatediscussionpod@gmail.comWebsite: https://udiscpod.buzzsprout.com/Music from https://pixabay.com/music/ Rebel World by GeriArtBackground Ambient Corporate C by WinkingFoxSupport the show
Today, we're talking to Brandon Magierowski, CEO, Entrepreneur, Real Estate Investor, General Partner, and Podcast Host. Brandon is an active partner in Real Focus Capital Investments, the co-host of the Gorilla State Podcast, and currently owns several multifamily properties in Louisiana. He is a graduate of Multifamily University, a member of MultifamilyU investor group, and leads the Multifamily Mastermind 318 meetup group in North Louisiana. In this episode, we discuss why Brandon gave up his dream of being a college baseball coach in favor of building generational wealth through multifamily real estate and how partnering with experienced KPs and other groups has helped him take down larger deals. We also touch on the importance of taking the time to build your brand and build relationships, getting content out, and the power of meditation for improving your mindset, as well as staying competitive and being willing to do what others aren't in order to achieve success. Tune in today to learn about all this and more!Key Points From This Episode:An introduction to Brandon Magierowski and how he got into real estate.What influence Neal Bawa, the Mad Scientist of Multifamily, had on the name of Brandon's company, Real Focus Capital.Why he gave up his dream to be a baseball coach in favor of building generational wealth.What Brandon learned about syndication from the Neal Bawa conference he attended.The importance of taking the time to build your brand, build relationships, and build trust.Syndication versus joint ventures; why Brandon and his partner chose a JV structure.Learn about their first deal and how they prioritized passive income and cashflow.How they closed an off market hotel deal in South Louisiana; tell people what you're doing!Partnering with experienced KPs and other groups to take down larger deals.How Real Focus Capital is aiming to improve efficiencies using Asana, Slack, and VAs.The importance of getting content out, appearing on podcasts, and even starting your own!Brandon shares his long-term vision for Real Focus Capital and how their team will evolve.Learn about Brandon's podcast, Gorilla State Investing; the ground-pounding truth about what it takes to be successful in real estate.Hear about Brandon's morning routine; how meditation has improved his mindset.What books Brandon recommends, including Clockwork and Rich Kid Smart Kid.Why he attributes his success to his athletic background and competing against himself.Links Mentioned in Today's Episode:Brandon Magierowski on LinkedInBrandon Magierowski on InstagramBrandon Magierowski EmailReal Focus Capital InvestmentsGorilla State Investing PodcastReal Estate Podcasts Hosts and Guests Facebook GroupNeal BawaAsanaSlackUpworkThe Miracle MorningClockworkRich Kid Smart KidActive Duty Passive Income
Roots to Rocket Science | Beauty, Health, and Everything Else
In this week's episode of the Roots to Rocket Science podcast, host Natalie Novak-Bauss had Susan Streur, a clinical patient of ours, join her for a teleconference to discuss her battle against DSAP (Disseminated Superficial Actinic Porokeratosis). DSAP is a rare skin condition that primarily affects the legs and arms of women, leaving reddish-brown lesions bilaterally on the lims. Susan has been battling this rare disease since 1998 and is starting to see results with the help of KPS's products in conjunction with MLS Laser therapy! If you are interested in learning more about DSAP you can find information at https://dermnetnz.org/topics/disseminated-superficial-actinic-porokeratosis/. Also, if you're a fan of this podcast please leave us a review! Give us feedback and let us know if there is anything you would like Natalie, Ron, or the two of them to address together! Lastly, if you would like to learn more about KPS Essential's founders, mission, or products, visit www.kpsessentials.com.
In this episode I discuss similarities between Meghan and Diana based on the paralles seen in Season 4 of The Crown. Also I'm touching on the whole "Harry in the Hood" thing as well as Jason Knauf and KPs involvement in Meghan's letter. Whew, it's a lot. Let's discuss! Find me on all the socials - Instagram, Twitter and Youtube. To support the podcast, find me on Patreon or PayPal. And don't forget to rate my podcast on iTunes. We're almost at 200!
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