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2 hours and 5 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs USC Starts at :51 Basketball gets to go first because they've earned it. They're the number one team on Kenpom by a full five points and the second highest rated Kenpom team of all time. Michigan shot 20% from three and still beat a top 25 USC team by 30 points. This was the Morez Johnson game. Michigan has three of the top five players in the Big Ten. What does a Michigan loss look like? Dusty May has done a great job working on Roddy Gayle, auto-benching with this team is fine. The cutoff for Kenpom to think you're a rotational player is 10% of team minutes, Grady and Goodman are both above this metric. The things that Michigan are good at are things that are very repeatable. There are different levels of Kenpom Time every time Michigan plays. It's weird to say this but it's good that Michigan gets Nebraska at home, they're spicy.  2. Football vs Texas Starts at 24:34 The Citrus Bowl came and went. We were hoping we could learn things about this offensive line going into the off-season then a lot of them went and hit the portal. Kuzdzal played an encouraging game but there were still a few moments of "I wish Jordan Marshall had hit that hole." Bryce Underwood did get some explosive runs, this will be nice for a new coaching staff that likes to run the quarterback. He was put in a lot of positions to fail towards the end of the game. Kerry Coombs did some things with special teams! Wow Michigan drew holds finally. We are done with the Wink Martindale era. Michigan had zero pass rush.  3. Hot Takes and Coaching Staff Starts at 40:11 Takes hotter than the basketball team, this will be the intro until any reason otherwise.  Offensive Coordinator - Jason Beck Came in from Utah, was at New Mexico before that. Has had some very successful offenses. Was a spread-heavy coach at New Mexico and became Whittingham-ized at Utah. Seems like a seamless fit, he should know what to do with Bryce Underwood. Running Backs Coach - Tony Alford It's working, good work keeping him around. Wide Receivers Coach(es) - Micah Simon and Marques Hagans Micah Simon doesn't have a lot of experience, he followed Beck. How much coaching does it take to get someone to catch the ball?  Tight Ends Coach - Freddie Whittingham He's developed some studs. Kyle Whittingham's brother, does not feel like a nepotism hire. Offensive Line Coach - Jim Harding Has two first round tackles this year. Probably could not have gotten a better o-line coach. Michigan has players trickling into the portal but you've got The Guy coaching next year's group. A lot of offensive linemen got recruited by Sherrone so it's not a shocker that some players are looking elsewhere.  Defensive Coordinator - Jay Hill Turned Weber State into a powerhouse. He has coordinator and head coaching experience, seems good. He has coached college his whole career rather than coordinate NFL defenses. Defensive Ends - Lewis Powell Specializes in Polynesians. Has a spectacular track record of developing defensive ends. Brian pledges to figure out how to pronounce all the Polynesian names.  Defensive Tackles - Lou Esposito Continued from last year. You can get more assistant coaches now so it makes sense to split DEs and DTs.  Linebackers Coach - Alex Whittingham Kyle's son, spent eight years with the Chiefs. Apparently Andy Reid played with Kyle Whittingham. This one is a bit more of a nepo hire but he has moved up the ranks.  Defensive Backs Coach - Jernaro Gilford BYU fans are upset that he's leaving which is a good sign. There aren't a lot of cornerbacks in the portal, hopefully he can find some guys.  Special Teams - Kerry Coombs Gets to keep the job he got right before Sherrone was fired. His previous Special Teams have been in the 30ish rank. He's not a slam dunk but should be solid.  4. Transfer Portal Starts at 1:42:43 It's Portal Takes season, we have not yet gotten to Portal Gives season. Guys who are in the portal are not necessarily gone. Jadyn Davis, Davis Warren, Ben Roebuck, Connor Jones, Devon Baxter, Semaj Morgan, Jaden Mangham, and Jasper Parker are guys who will probably get better opportunities elsewhere. Elijah Dotson, Brady Prieskorn, and Kaden Strayhorn are guys you'd like to keep around. Zeke Berry, Jake Guarnera, Andrew Sprague, Cole Sullivan, and Enow Etta are the "ouch" group. Some guys have left the door open. Would really really like to get Guarnera back, Sprague sounds like he's going to Texas. Most folks who are going to enter the portal have but we're not out of it yet. Keep an eye on Utah defensive end John Henry Daley, cornerback Smith Snowden, and safety Tao Johnson. Cole Sullivan would be a great fit in this defense, would love to keep him. They need guys (plural) on the defensive line, especially at defensive tackle. Even if you keep Andrew Marsh you would like to get a wide receiver or two. Might want to look into a punter or a kicker, maybe with a new staff we can finally move on from the 2015 Michigan State game.  MUSIC: "Nothing I Need"— Lord Huron "A Couple Minutes"— Olivia Dean "Cotton Mouth"— fanclubwallet “Across 110th Street”—JJ Johnson and his Orchestra   

Building a successful vacation rental portfolio isn't just about numbers—it's about strategy, intuition, and having the confidence to trust both. In this episode, we explore what it really looks like to invest with intention, think long-term, and build a business rooted in education rather than hype.In today's episode, I sit down with the incredible Parker Borofsky, whose passion for lending and vacation rental investing shines through every story she shares. From her early days as Avery Carl's lender to becoming a seasoned investor herself, Parker offers a behind-the-scenes look at a journey shaped by curiosity, courage, and thoughtful decision-making.In this conversation, Parker shares:How her early career in lending gave her an “under the hood” view of what truly makes a short-term rental successful—and how she used that insight to build a portfolio spanning the Smokies and Florida's PanhandleThe remarkable story behind acquiring a bona fide Frank Lloyd Wright home in Kentucky, including the family connections and moments of serendipity that led her thereWhat it's really like to invest during uncertain and unpredictable times, and why balancing solid research with gut instinct allowed her to seize opportunities others overlookedThe unique challenges and rewards of restoring and short-term renting a historic home, from navigating appraisals to thoughtfully weaving the property's history into the guest experienceWhy putting heart and education above hype—and surrounding yourself with the right community—is essential to building a more meaningful, sustainable businessParker's insights and grounded enthusiasm make this episode a must-listen for anyone looking to build a smarter, more intentional vacation rental portfolio. It's filled with practical takeaways, mindset shifts, and real-world lessons for scaling with clarity and purpose.HIGHLIGHTS AND KEY POINTS:[01:00] A short introduction about our guest Parker Borofsky, and how she got into investing in short-term rentals[03:00] Parker walks through her growing short-term rental portfolio across Tennessee, Florida, and Kentucky, highlighting a pivotal purchase in Townsend, Tennessee[08:43] Parker explains how intuition, timing, and storytelling led her to an unexpected Kentucky purchase[13:01] Parker shares how stewardship and storytelling shape the experience of owning a Frank Lloyd Wright home[18:56] Parker reflects on the emotional full-circle of stewarding a historic Frank Lloyd Wright home[21:24] Parker dives into the complexities of securing a mortgage for a one-of-a-kind Frank Lloyd Wright home, emphasizing that unique properties often create appraisal challenges[26:51] How to handle appraisal challenges for unusual properties, emphasizing preparation, collaboration, and clear communication[31:24] Parker talks about the mortgage options that are trending for real estate investors, particularly for self-employed borrowers or those with complex income streams[34:57] The importance of connecting with experienced loan officers as a critical first step for anyone looking to grow their property portfolio in 2026

2 hours and 45 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Kyle Whittingham Reaction Starts at :51 Brian can't make fun of the name "Kyle" anymore. Woah, Alex Drain is here! Did Kyle Whittingham get pushed out of Utah? He's 66 but could probably beat up several members of the current team, he doesn't feel too old. This might be the best guy to hit the ground running with Bryce Underwood. He's had a 20+ year stretch of success and it's mostly over-performing expectations statistically. Are there concerns about the way this would translate to Michigan? Utah folks are asking if we're prepared for limited media availability, a coach who can sound like a jerk, and a 300 lbs fullback. Yes, yes we are. Kyle Whittingham's risk for scandal seems extremely low. How many coaches in the Big Ten would you pick over him? His dad's nickname was "Mad Dog". A brief history of his success over his coaching career, which included two PAC-12 Championships. Kyle lets his QB run the ball, Bryce's output this season would've been the worst for Utah going back at least a decade. Harbaugh had a great hit rate on sleeper recruits, Whittingham should as well. He has some very Harbaugh-adjacent quotes as well. What's your letter grade for the hire? [The rest of the writeup and the player after THE JUMP]  2. Assistants Starts at 42:48 The new staff is coming together pretty quickly. Jason Beck is lining up to be the offensive coordinator, coming in from Utah. Alex details his history as a coach which was mostly as an offensive coordinator and QB coach. He likes hybrid players and will love the tight end room. Jay Hill is lined up from BYU as defensive coordinator, BYU fans are not thrilled that he's leaving. He took a 100ish ranked defense and turned it into a top 25 defense. He also made Weber State a powerhouse while he was there. He'll play more man-defense than we're used to which might not be what we want against Ohio State. Jay Hill could also be a head coach in waiting down the road. It feels like the defense is going to be coached again. Jason Beck could be a QB coach but there are rumors that Koy Detmer Jr could come in as an analyst/QB coach. All signs point to Tony Alford being retained. Ron Bellamy will probably stick around, they still need a Michigan guy and he might be the most "Michigan Guy" on staff. Freddie Whittingham could likely come in at tight ends coach, he is not a nepotism hire. He could also be a recruiting coordinator guy if you want to keep Grant Newsome around. Jim Harding could be the offensive line coach coming out of Utah. Lewis Powell might be coming in as defensive ends coach out of Utah. Lou Esposito might stay at Michigan. Linebackers coach is the one area where we haven't heard anything. Whittingham has mentioned going after a coach that is still in the playoffs. Jernaro Gilford might follow Jay Hill as the defensive backs coach. LaMar Morgan is a good recruiter so maybe you keep him. What about Special Teams coach? Time to move on from Kerry Coombs already? How would you grade these potential hires?  3. Hot Takes and The Search, Revisited Starts at 1:38:48 Takes hotter than the Utah message boards. It was a wild ride getting from DeBoer, Fisch, or Dillingham to here. A lot of information was coming from agents getting names out there. A lot of people said "Biff Poggi could get the job" and it was never going to happen. Did Michigan really never go and try to offer Dillingham a job? It feels like his people really hyped him up. We might be having a very different conversation if that Oklahoma receiver would've just caught that ball. Everyone penciled in Dillingham after the Oklahoma Alabama game and then he signs an extension. Whittingham was unemployed, he probably didn't have agents hyping him up. Brian still likes Jeff Brohm. Interestingly Penn State never went after Whittingham but once the Michigan job opened up he said he was "in the transfer portal." Why was Biff Poggi on that podcast? He was shooting his shot for a job but it was never going to happen. How well did the "insiders" do and how clued in will they be on the new staff.  4. Michigan Football vs Texas Starts at 2:18:38 Oh yeah Michigan has a bowl game. The only opt-outs are El-Hadi, Derrick Moore, and Barham (and Ernest Hausmann). Maybe it's a good sign that a lot of players still want to play in this? Six of 11 defensive starters are sitting out for Texas, most of their offense is playing. Michigan's best hope is to watch Arch Manning turf five-yard outs. I guess we'll see Wink walk off the field as a Michigan coach for the last time. This feels like a zombie team right now. Does Michigan have a way to stop Ryan Wingo? The Ohio State game feels like four years ago. Are you excited for this game? A lot of big-name guys have at least remained in the recruiting class. The hope of the Sherrone era was "hopefully he just gets better at coaching" and it's a relief to just move on. What was the most enjoyable game of the Sherrone era? Not the highlight, but the most fun beginning-to-end? A lot of things about the last two to three years make a lot more sense now. A lot of paranoia and worry feels lifted, there are adults in charge.  MUSIC: "Medium Machine"—Sports Team "Inept Apollo"—Nation of Language "Where'd You Go"—Horsegirl “Across 110th Street”—JJ Johnson and his Orchestra   

More syndications are going sideways. Capital calls have become common. Tensions are rising between operators and investors…but not for all deals. If you had talked to today's guest before forming your real estate syndication, there's a good chance you'd already have a battle plan for every potential challenge. Thankfully, today, CRE's go-to legal advisor is sharing his take for free. Richard Crouch has worked on eight figure commercial real estate deals for over two decades, helping advise on disputes, defaults, and structuring. He's the one who sets up your failsafes before a deal goes sideways and advises you on the right way to resolve it once the damage has been done. Today, we're getting into the nitty-gritty that not only sponsors but also passive investors need to know. We'll talk about the “gotcha” clauses lenders can use to extract fees from you or worse…take your entire property, the right way to handle a capital call so your exit strategy doesn't fall apart, and what to do in the unfortunate event that a guarantor passes away mid-deal.  Insights from today's episode: Your lender is not your friend: the “gotchas” put in place that you must navigate around  How to handle capital calls so your investors don't feel neglected and unsettled  One thing you need to include in every single operating agreement you sign  A crucial event that can “trigger” if a guarantor passes away during a deal cycle  Opportunity for buyers: Is now the time to invest in distressed debt amid inexperienced syndicators' struggles — Connect with Richard on LinkedIn Richard's Email: richard.crouch@woodsrogers.com  Richard's Phone Number: 757-353-0969 Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast.

Episode 181 In this episode, I sit down with Jimmy Finance, a loan professional who decided he wanted to serve musicians… and then actually did it. Jimmy shares how he carved out a specialty most people wouldn't even think to pursue—from his first musician client to working with famous artists and performers featured on major late-night shows. His story is packed with insight, motivation, and some behind-the-scenes moments that will make you grin. If you've ever thought about building a niche business—or wondered how far a bold idea can take you—Jimmy's journey might be exactly the spark you need. Looking for Construction or Fix & Flip financing for your clients? Partner with Park Place for fast, dependable funding. Get a quick quote here: http://workwithparkplace.com Powered by: Mortgage Marketing Animals

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*Previously aired episode* John Chang interviews Joe Fairless, co-founder of Ashcroft Capital, about navigating today's complex commercial real estate landscape. Fairless, who manages over $2.8 billion in assets across 14,000 apartment units, shares insights on finding opportunities amid market distress by cultivating relationships with lenders seeking capable operators for distressed properties. They discuss the record-breaking apartment absorption in late 2023, the decreasing construction pipeline, and how these fundamentals create buying opportunities despite challenging capital raising conditions. Fairless also candidly addresses lessons learned from previous deals and emphasizes the importance of "extreme ownership" when communicating with investors during difficult market periods. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Power Producers Podcast, host David Carothers welcomes back Andy Mathisen, Insurance Sales Manager for Homebot. They dive into how agencies can dominate the personal lines market by shifting from transactional relationships to value-driven engagement.  Andy breaks down how Homebot serves as a "set it and forget it" tool that keeps agents front-and-center with insureds while simultaneously generating leads for loan officers and realtors—flipping the traditional referral food chain on its head. Key Highlights: What is Homebot? Andy explains that Homebot is a monthly home digest sent to insureds with a staggering 76% open rate. Unlike standard newsletters, this digest provides homeowners with real-time data on their home value, loan balance, and purchasing power (equity for refinances, HELOCs, or new purchases). The "Santa Claus" Effect: Gaining Leverage  Historically, insurance agents are at the bottom of the referral food chain (Realtor > Lender > Agent). Andy details how Homebot changes this dynamic by aggregating a "Team of Professionals" on the client's dashboard. When a homeowner interacts with financial tools on the platform, the insurance agent can pass those leads back to lenders and realtors, creating immense leverage and reciprocity. Content Strategy: Donuts vs. Data David and Andy discuss why dropping off donuts at a loan officer's office no longer works. To win in today's market, agents must provide actionable data and tools that help their referral partners grow.  The "Too Busy" Trap  The duo critiques the mindset of agency owners who claim they are "too busy" for new leads. They discuss the necessity of implementing systems, departmentalization, and proper website content strategies (blogs vs. paid ads) to scale consulting capabilities without drowning in work. Pet Peeves: Pick Up the Phone! Andy shares his frustration with agencies that rely on complex phone trees or refuse to answer calls, and the growing trend of prospects "ghosting" after good sales calls. Connect with: David Carothers LinkedIn Andy Mathisen LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp Homebot Ai Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes

In today's episode, Michael is joined by Will Powell, Investment Director at Downing LLP. They discuss the changing market, and some of the best ways that Developers can raise finance. Some great hints and tips, straight from a Lender! You can also watch on YouTube:https://youtu.be/gKks3gwljEY▶︎ Website - www.thepropertyfinancecollective.co.uk▶︎ The Host - With a passion for creative finance and the ability to structure deals for Finance, I love helping first time Developers and Investors to get deals packaged for the finance needed to push Property Careers forward, and to date I have raised over £500 million for Developers and Investors. I first got into property at the age of 18 when I got into Conveyancing straight out of school. I then went into Estate Agency, back into Conveyancing and I then got into brokering at the age of 22. I decided a year and a half later that I wanted to work for myself and try and shake up the market place! At the age of 24 I set up The Property Finance Guy and became the youngest owner of a Commercial Finance Brokerage in the Country, and alongside this I now also have a successful Training Company, educating Investor and Developers on how to raise finance, and a successful Podcast.I am a keen public speaker and have delivered training and speeches to over 1000 investors and developers over the past 2 years.Follow Michael:▶︎ Facebook - https://www.facebook.com/thepropfinguy/▶︎ Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/thepropertyfinanceguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ LinkedIn - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/michael-primrose-886a365b/?originalSubdomain=uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Listen to the Podcast on:▶︎ Apple Podcasts - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/gb/podcast/the-property-finance-podcast/id1448207494⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Spotify - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/7JiDtm7hc0EfSW9LjCXDaO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@thepropertyfinanceguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Disclaimer - With the market changing so quickly, the content could be out of date at the time of listening.This Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.

Original Air Date: November 17, 1952Host: Andrew RhynesShow: The Lone RangerPhone: (707) 98 OTRDW (6-8739) Stars:• Brace Beemer (Lone Ranger)• John Todd (Tonto) Writer:• Fran Striker Producer:• George W. Trendle Music:• Ben BonnellFor more great shows check out our site: https://www.otrwesterns.comExit music from: Roundup on the Prairie by Aaron Kenny https://bit.ly/3kTj0kK

Original Air Date: November 17, 1952Host: Andrew RhynesShow: The Lone RangerPhone: (707) 98 OTRDW (6-8739) Stars:• Brace Beemer (Lone Ranger)• John Todd (Tonto) Writer:• Fran Striker Producer:• George W. Trendle Music:• Ben BonnellFor more great shows check out our site: https://www.otrwesterns.comExit music from: Roundup on the Prairie by Aaron Kenny https://bit.ly/3kTj0kK

Mitsubishi UFJ Financial Group Inc. said Friday that it plans to invest some 396.2 billion Indian rupees, or about 682.3 billion yen, in major Indian nonbanking financial company Shriram Finance Ltd.

In this powerful episode, Katie Shive reveals how mortgage pros can leverage AI to build visibility, rank in search, and attract real leads online. Katie, a brand strategist and AI marketing coach, breaks down the concept of GEO — Go Everywhere Optimization — and how it's changing the way consumers find mortgage professionals.You'll learn:How to create a "core entity statement" that helps AI recommend you firstWhy your bio consistency across platforms like LinkedIn and Google is criticalThe difference between creating content for humans vs. robotsHow to turn one podcast or blog post into an entire week's worth of marketingHow ChatGPT and other LLMs are now directly referring mortgage professionals to leads and what triggers thatWhether you're a seasoned LO or just starting to explore AI tools, this episode is a must-watch if you want to be found first and fast in search.Show Notes:Subscribe to Katie's NewsletterConnect with Katie on LinkedInWant to double your Realtor referrals without chasing, cold-calling, or paying for leads? See how Travis Newton grew his production by $40 million!Check Out myAgent Classes HereConnect With GeoffA Connect on InstagramS Connect on LinkedInK Subscribe on YouTubeSAY THANKS Leave a review on Apple PodcastsG Leave a rating on Spotify

1 hour and 54 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. What Happened Starts at :51 Sometimes in December we don't have enough content for a podcast... this week there is enough for a podcast. Michigan football has been thrown into chaos following the Sherrone Moore firing. This is the third out of five Warde Manuel hires in the three most important sports to have left in disgrace (also Jim Harbaugh depending on who you ask). There have been too many red flags on too many hires. There is no oversight within the athletic department and then you have to do an investigation instead of preventing one. The only reason the WiFi is better at Michigan Stadium is because of the Zach Bryan concert, not because they cared about the fan experience. Fans are just a piggy bank. Michigan is way too much in the news right now. If "a lot of people knew about this" then why didn't someone say something sooner? Warde lost credibility after his handling of Mel Pearson and he doesn't get credit for Brandon Naurato. Grandmas in Peoria know too much about the Michigan athletic department.  2. Coaching Search Bits Starts at 27:41 Michigan needs a new head football coach. How good do we feel going into it? Probably about a B-. There's not an obvious slam dunk candidate. The three big names are Kalen DeBoer, Kenny Dillingham, and Jedd Fisch. If Alabama wins their first playoff game then DeBoer is almost entirely off the table, if they lose to Oklahoma then there's enough smoke to believe he might think about it. Would DeBoer really leave Alabama though? It's not a place that coaches leave and he's a long shot even if they lose to Oklahoma. Kenny Dillingham played for Arizona State and has a lot of family and connections in Phoenix, he might just be a long shot to convince to move from home. Kenny Dillingham is young, he watches Stranger Things and doesn't understand all the references. What about Jeff Brohm? Jedd Fisch is good at roster construction and handling QBs, something that would be nice for Michigan right now. Jake Butt had a strong endorsement for Jedd. Some coaches wouldn't have former players stomping for them. Jason Eck is a fun name but he's never proven himself at a major program. Based on everything so far, it feels like it's probably Jedd Fisch (PENDING A BACKGROUND CHECK). Which assistant coaches/coordinators would you keep?  3. Hot Takes, Men's Basketball vs Maryland Starts at 54:31 Takes hotter than... actually we need takes about half of where they could go. We need to dial it back this week. Thankfully we can now turn our attention to basketball! Michigan 101, Maryland 83, a strange game. David Coit was hitting threes from every heavenly covered shot. When Michigan was down by 9 Kenpom still had them 76% to win. Maryland went 14-27 from three and Michigan still covered the Kenpom spread. This game was the script for Michigan to lose a game and won by 18. Brian reads Yaxel's boxscore poetically because it deserves it. Solomon Washington got ejected for two technicals. Michigan navigated foul trouble and you probably didn't even notice. Michigan is actually top 50 in three point shooting.  4. Men's Basketball vs Villanova Starts at 1:38:12 They went up by 30 at halftime and only won by 30?? What are we even doing here. You look at some of these top 50, top 25 teams on the schedule, could they beat Michigan in Ann Arbor? No way. Being #1 in two point defense with this schedule is insane. Michigan is identifying their weaknesses and working on them, that's terrifying for opposing teams. What is this team's weakness now? Hey, shout out to undefeated Nebrasketball!  MUSIC: "PH Suite"—Curtis Dro and Lamar Woods "Man I Need"—Olivia Dean "I Got Flavor"—LaRussell and Lil John “Across 110th Street”—JJ Johnson and his Orchestra   

Today I'm delighted to be joined by Clive Kinross, CEO and co-founder of Propel Holdings. Propel is one of the most successful fintech lenders serving underbanked consumers, and what makes their story particularly compelling is how they've achieved it: profitably, almost from day one. Since founding the company 14 years ago with just $4 million in capital, Clive and his three co-founders, who are all still with the company, have built a business that now serves a market of 100 million consumers across the US, Canada, and the UK. The company went public on the Toronto Stock Exchange in 2021 and has been the best-performing stock in its vintage.In our conversation, Clive shares how his background as a chartered accountant shaped his disciplined, unit economics-focused approach to building a lending business, how Propel uses AI to analyze over 80,000 applications daily and make credit decisions in six seconds, and why he believes the opportunity to serve underbanked consumers in developed economies has never been stronger.In this podcast you will learn:Why Clive decided to tackle credit for his second major business.How the company has evolved since its founding 14 years ago.The different brands they have in the US, Canada and UK markets.How their credit graduation programs work.The typical consumer coming to Propel for credit.How they differentiate themselves from others in the market.How their AI models work and the data they are feeding into these models.How Clive views the potential of AI throughout Propel's business.Why he decided to take Propel public in 2021.How they were able to become a profitable fintech lender quickly and sustainably.What Clive is most excited about for the future of Propel.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

In this episode, Debtwire's Amelia Weitzman sits down with DLA Piper's Matt Schwartz to unpack the rapid rise of AI in private credit and what it means for lenders, borrowers, and the future of dealmaking.Private credit is entering a new era as AI tools rapidly change how information is used, risks are assessed, and agreements are negotiated. DLA Piper partner Matt Schwartz breaks down how these shifts are unfolding in real time and what they mean for the industry.

In this conversation, Kathy Vasel shares her journey from being a salon owner to becoming a successful mortgage advisor and investor. She discusses the skills that translate between the salon and real estate industries, the importance of understanding the lending landscape, and the rise of DSCR loans. Kathy emphasizes the need for flexibility in lending guidelines and provides insights into the multifamily market. She also offers advice for new investors and loan officers on how to navigate the real estate market effectively.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

1 hour and 42 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Michigan Hockey vs Michigan State Starts at :51 A very silly debate not worth publishing preceded the actual intro of this podcast. A split against Michigan State is a very fair result, the whole series was intense. The first period of the Saturday game was an onslaught that Michigan relatively survived, Jack Ivankovic has been solid. How many first and second rounders were in this game? The answer is in the double digits. Is the Big Ten the best hockey league in the world outside of the NHL? Most of the time this team looks dominant but looking back on that Wisconsin series and the first period against MSU on Saturday shows some concerning trends where Michigan can't get out of their own zone. Minnesota is surprisingly not what they've been in the last few years.  2. Men's Basketball vs Rutgers Starts at 26:05 Michigan is putting up demolitions not even predicted by Kenpom. If Michigan puts up a reasonable number of 3s there's just no way to beat them. What did Rutgers even do... get to 41% from 2? Well Michigan shot 72% from 2. They've played the 8th hardest schedule in the country, what even is there to say? Morez Johnson is shooting 3s now. Michigan had more offensive rebounds than misses from 2. Cadeau had an alarming turnover rate earlier in the season and most of those have gone away. Is Yaxel the alpha guy for scoring? Do you need one when you win games by 40? Roddy Gayle is rounding into the guy we originally thought he would be. The floor on this team is so high, if they shot 15% from 3 they'd probably still win by 10. The only teams that look mildly threatening on the schedule are Michigan State and Purdue. USC is also spicier than we thought. Michigan is now favored in every single game on the schedule.  3. Hot Takes, Football Offensive Recruiting Class Starts at 54:31 Takes hotter than Curt Cignetti walking off the field after beating Ohio State 13-10 to win the Big Ten Championship and reacting in NO WAY WHATSOEVER. Savion Hiter is the number one running back in the country and he has the tape to back it up. Brady Smigiel and Tommy Carr come in at QB, they won't see the field for a while but then you could have a redshirt sophomore starting after Bryce leaves. It's nice to see Michigan recruit like they have 105 guys in a class. Michigan loses a wide receiver but picks up Travis Johnson, also Brady Marchese and Jaylen Pile. Would've been nice to get a slot guy but nice to get a few receivers. They're all early enrolees. Matt Ludwig comes in at tight end and is the number one player in Montana, close enough to Idaho. Michigan should get tight ends from American Samoa and Alaska. Mason Bonner comes in from Colorado, keep an eye on him down the road. Malakai Lee is the headlining offensive lineman out of Hawaii, Bear McWhorter is an all-name nominee. Marky Walbridge is a quintessential under-scouted player.  4. Football Defensive Recruiting Class Starts at 1:20:32 Carter Meadows is the #6 overall player in the class, he could be the first overall player in the draft if he projects how he's supposed to. Taco Charlton comparison? Tariq Boney is the other edge, described as a violent high motor style. Titan Davis is Chris Wormley shaped but could move to defensive tackle, McHale Blade might be the most underrated guy in this class. Alister Vallejo, the Mason Graham comparison! He's a lot of peoples' favorite player in this class (a class with two five stars). Could he help next year? Many linebackers, mostly flyers and not an instant-impact class. Do not trust AI in your recruiting history research. The defensive back class is a little light, all four stars though. Jordan Deck is a Makari Paige kind of guy. They get a kicker who kicks and a longsnapper who long snaps, yay. Kerry Coombs comes in as special team coordinator.  MUSIC: "Train Love"—Yor Old Droog "MAGIC"—Vince Staples and Mustard "I Need a Lover"—John Couger “Across 110th Street”—JJ Johnson and his Orchestra   

In this conversation, Demar Chapman, a mortgage professional and real estate investor, shares his journey into the real estate space, discussing various investor products, market dynamics, and the differences between mortgage brokers and lenders. He highlights current trends in new construction and multifamily investments, the importance of cash flow, and the growing interest in cross-state investing. Demar emphasizes the significance of communication and trust in underwriting deals and offers insights into the evolving landscape of real estate financing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

1 hour and 43 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Ohio State Starts at :51 Good thing this is pivoting to being a snacks podcast. Combos are way up there as far as gas station snacks go. Every time Ohio State got into a 3rd down situation they would just drop back and throw it to an open receiver. When Michigan was in this situation, Ohio State would just man up and Bryce had nowhere to throw. Those substitutions that happened all season continued in this game. Is trophy done going brrr? You cannot have this many holes in your team and expect to compete with Ohio State. The offensive line didn't look as dominated as it seemed, if Jordan Marshall and Justice Haynes played the whole game they'd probably break some more big runs. It didn't seem like Chip Lindsey brought much into this game that was built off of what they had been doing all season. Maybe Bryce froze up (pun not intended) a bit. He only had five throws at halftime? Guarnera actually looked really good, Frazier and Sprague held their ground. The reasons this offense didn't shine this season weren't because of the offensive line. Who's even going to sit out on offense in the bowl game?  2. Defense vs Ohio State Starts at 29:05 Giving up 27 points to Ohio State seems not that bad but we're still done with Wink. Ohio State's 3rd down conversions were the easiest possible. Neither Barham nor Derrick Moore got anywhere near Sayin all game. The 5-2 came back... It's year two, the defense shouldn't be this simplified. Yes, simplify it early on but it cannot be simplified against Ohio State. He learned nothing from the USC game, Wink needs to get fired and if he isn't then that's on Sherrone. There was a 20 play 81 yard field goal drive that took 12 minutes off the clock. That goal line stand was nice, though. Ohio State was at their own 10 but the backups were in?? Also it's a Fox broadcast, there's plenty of time to rest your starters during tv timeouts! There's a lot of work that needs to be done on the defensive line going into next year. The waves of elite defensive tackles has run its course.  3. Hot Takes, Game Theory, and Special Teams Starts at 53:38 Takes hotter than... idk. I'm out of ideas just like Michigan's coaches. The first sign that it was over was when Ohio State declined a holding call and then held Michigan on 3rd and 5. Zvada made field goals and a mob didn't have to come after Brian (they would've been right to do so). Hollenbeck had an 11 yard punt. Keeping Andrew Marsh just to fair catch punts is a valuable skill, don't make him a kick returner though. Kicking field goals early on 4th down felt like the right thing at the time, it could've been a stupid blizzard game later. You'd trust Zvada to make these field goals more than you'd trust the offense to get six yards in the redzone. Apparently an Ohio State player had head butted a Michigan player and Barham was demonstrating - but also don't do that. Jeremiah Smith almost had the funniest application of the worst rule in football. There were a lot of Ohio State fans at this game, how does that keep happening? Were there Ohio State fans near you and if so what was the experience near them like?  4. Around the Big Ten with Jamie Mac Starts at 1:25:11 Oregon 26, Washington 14 Washington's hyped offense just never came true in any of their big games this year. Oregon locks up a playoff bid, they'll probably get the G5 bid or the ACC champions. Penn State 40, Rutgers 36 Congrats to Penn State on getting bowl eligibility. This was a shootout. Tamper with the Rutgers receivers.  Minnesota 17, Wisconsin 7 Wisconsin is not good.  Michigan State 38, Maryland 28 Jonathan Smith was fired after this recording. There might've been 10,000 fans at this game but the weather kept a lot of people home.  Illinois 20, Northwestern 13 Snow game!  Iowa 40, Nebraska 16 Just a first half blowout without much effort in the 2nd half. A very disappointing ending to Nebraska's season. Nebraska is 2-10 the last three years in November. USC 29, UCLA 10 UCLA lead at halftime and then USC ran away with it in the 2nd half.  Indiana 56, Purdue 3 A year after Indiana gave Purdue their worst loss in the rivalry they give Purdue their first home loss in the rivalry. MUSIC: "Colors Change"—Tanks and Bangas "Too Good Too Bad"—Jason Scott and the High Heat "My Girlfriend Doesn't Worry"—Jeffrey Lewis and the Voltage “Across 110th Street”—JJ Johnson and his Orchestra   

Drawing on vivid contemporary accounts, this is a fascinating exploration of how and why the Revolutionary War descended into a brutal existential struggle.This engrossing history of the Revolutionary War conclusively shows that those caught up in it believed they had nothing to lose by fighting without regard for the rules of so-called “civilized warfare.” The clarion call to arms “Liberty or Death” was far more than just rhetoric. At its grimmest level, it was a conflict in which military restraint was more the exception than the rule, a struggle in which combatants believed their very existence was in question. This led to an acceptance of violence against persons and property as preferable to a defeat equated with political, cultural, and even physical extinction. It was war with an expectation and acceptance of ferocity and brutality – anything to avoid defeat.A number of historians have previously concluded that United States' founding struggle reached a level of ferocity few Americans now associate with the movement for independence. However, these studies have described what happened, without looking in detail at why the conflict took such a violent a turn. Written by two esteemed Revolutionary War historians, War Without Mercy does exactly that. Based on years of research and enlivened by little known primary sources, this is an intriguing and fresh look at a period of history we thought we knew.Mark Edward Lender is Professor Emeritus of History at Kean University. He is author or co-author of more than a dozen books including, with James Kirby Martin, the acclaimed A Respectable Army: The Military Origins of the Republic, 1763–1789 (Wiley, 2015) – which for several years was required reading at West Point – and, with Garry Wheeler Stone, the award-winning Fatal Sunday: George Washington, the Monmouth Campaign, and the Politics of Battle (University of Oklahoma Press, 2016). He served on the design team for the Army's special 250th Anniversary Exhibit at the National Museum of the U.S. Army. He lives in Richmond, Virginia.#americanrevolution #americanrevolutionarywar #1776 #authorpodcast #speakingofwriterspodcast

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Sunday the Band THE VIDEO: [After THE JUMP: The show notes.]  --------------------- 1. Ohio State Preview: Offense starts at the top Forecast is wind and snow, the real blizzard arriving after the game. Other than one guard they all range from solid to stars. They're back to what they were in 2021-'22, with a future 1st round QB in Julian Sayin who reads leverage on Ryan Day's standard multi-level drag routes and throws to the guys getting open. Those guys: Jeremiah Smith, the future #1 overall pick, and Carnell Tate, who will be a 1st rounder this year. Both have been banged up, but we think they're both going to play and more or less be themselves, with an excuse banked if they lose. Where they've advanced is they use a lot more two-TE sets, particularly Max Klare, a true blocky+catchy hybrid who may necessitate a hybrid response. They use the TEs in clever RPOs to create space for Sayin's throws, and are good enough in the run game with Bo Jackson to punish you for overplaying pass. 2. Ohio State Preview: Defense starts at 16:59 Be afraid. Illinois gained 295 yards on 4.2 YPP and Washington gained 234 yards on 4.4 YPP. Alex Drain does not like Matt Patricia, but he's slimmed down himself and his playbook and has Ohio State playing at an elite level. That's Caleb Downs, the guy Corum juked for a touchdown in the Rose Bowl, and now the best player in football, who's allowed to rove around and make plays while they man you with everybody else. It's also the play of their linebackers; Sonny Styles was the guy Corum juked on the 6-5 touchdown, but was always supremely talented and is at the peak of his game. Arvelle Reese was another big recruit; he came on last year and is in the conversation to go 1st overall as a grow-a-Parsons. He can be a safety, a DE, a linebacker, or anything. They can get away with all of that man and blitzing LBs because Igninosu, Matthews, and Styles are excellent athletes in coverage, and the Big Ten doesn't like to flag their grabbiness. The next generation of DBs is coming up—you remember trying to recruit Aaron Scott and Bryce West, plus #8 overall Devin Sanchez. They replaced four superstars on the DL with a superstar, a star, and two Just-Guys. Kayden McDonald is the lone member who wasn't a top-50 recruit but he's the star, and is probably a step too far Crippen and Guarnera. Caden Curry made the leap; he's Jack Sawyer 2.0, a strong pass-rusher and a force against the run. Kenyatta Jackson is equally strong against the run but is a block-and-done rusher. Tywone Malone has been there for ages. 3 and 4. Hoops in Vegas After-Action Report starts at 31:49 and 44:49 Beat Auburn by 30 and SDSU and Zaga by 40. Teams came into this thinking they could blitz Michigan's ball screens, Michigan came in having practiced their response to it. Zaga thruck? Look who took their shots—those aren't their shooters. The defense has been incredible; Morez allows you to be switchable when Mara is off the court and when he's on there's nowhere to go with the ball. Zaga had to take a bunch of push shots from 12 feet that are good shots for them, but that's not going to sustain an offense. Cason is coming around, though the offense is still much smoother with Cadeau. Turnovers are going to be the thing for this team again; when they get anything like even shot volume they're murder because their threes are open and they have all of these guys who score at the rim. Yaxel is becoming the Weapon that he was thought to be in the portal, but is extra dangerous because he doesn't have to be. Big-big actions are going to have to level up now that teams are sitting on them. This is where you bring in Tschetter, because a team that prepared for Johnson is out of sorts. Featured Artist: Sunday the Band If it wasn't for Brad Dumont I might still be in the Rose Bowl parking lot. Brad recognized us, let us in his car, and took us to Randy Sklar's place in time to catch Washington vs. Texas. He also put on the music of his then-14-year-old son Nate. Part of this had to be the fact Michigan had just won 26-20 in overtime in Nick Saban's last game. Also these kids rocked. It's relatable catchy stuff with a funky rhythm that's way more advanced than anyone ought to be at that age. Apparently in the two years since these high schoolers have picked up a following in the Pasadena music scene, but were getting in at the bottom floor; these are the two songs they've recorded so far. Trouble in Paradise was the one we were bouncing around to like middle-aged Mikey Sainristils. Rewind hits right now. Also give it up for a four-piece band when all the stuff that gets pushed these days are from solo artists and collabs. You can make fun of me now then turn this on for the ride home after we win. Songs: Rewind Trouble in Paradise Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we discuss some ways originators can boost their bottom lines. Plus, Robbie sits down with ALTA's Chris Morton for a discussion on why seller impersonation and wire fraud persist despite heightened awareness, what new and harder-to-detect schemes are emerging, how the industry can balance speed with security, and how shifting market and technology conditions will shape the next wave of fraud risk and preparedness. And we close by examining market sentiment post-Thanksgiving Holiday.Today's podcast is sponsored by The Big Point of Sale, which delivers a fast, flexible, and low-cost mortgage POS that gets lenders up and running in hours (not months) while empowering loan officers and consumers to collaborate seamlessly from any device.

In this episode of The Smart Property Investment Show, Phil Tarrant is joined by Annie Kane, managing editor of mortgages, and Liam Garman, managing editor of real estate. The host and the Momentum Media editors explore the complexities of the current Australian property market. They examine how government schemes, including the expanded 5% Deposit Scheme, are driving demand but causing delays as lenders struggle to keep up. Kane highlights that brokers are the main channel for the scheme, but overwhelming demand has led some lenders to pause pre-approvals. Tarrant raises concerns that the scheme could encourage unsustainable debt levels among first-time buyers. Investor lending is also on the rise, with the Australian Prudential Regulation Authority (APRA) monitoring trends and considering measures to curb high debt-to-income ratios and rapid investor lending. Garman points to supply-demand pressures exacerbated by migration and infrastructure, warning of potential negative equity for some buyers. The discussion also covers the role of buyer's agents, emphasising the importance of choosing licensed professionals to avoid costly advice missteps. As the market evolves, the trio notes that navigating government interventions, lending practices, and ongoing supply-demand imbalances will be critical for both investors and home buyers. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

1 hour and 45 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Maryland Starts at :51 It doesn't feel good to just beat up on Maryland the week before The Game. Dave explains a soft and gooey snack for all of you to enjoy. Bryce was okay! He's worked on a nice seam route with an arc to Marlin Klein that he didn't have before the bye. And a dig route! There was one bad pass which was a tough throw to make anyways. Can he go and win The Game? Probably if the defense can do enough. This was never going to be a challenge for the offensive line but they exceeded expectations anyways. The Ohio State game might be a bridge too far, though. Kuzdzal is a step down from Justice Haynes and Jordan Marshall but he's got some juice. They succeeded on wedge! Andrew Marsh almost completed the Odell Beckham?? He's a star going forward. Marlin Klein hurdled a fool, Goodwin had a few catches. It was nice of Maryland to just run into themselves and let Michigan do what they wanted.  2. Defense vs Maryland Starts at 34:09 There was an opening drive touchdown with various guys being offsides again, but then there wasn't much until the backups came in. Pleeeease do not be rotating the back-seven against Ohio State all game. Derrick Moore has 11 sacks, imagine if he played more! Ernest Hausmann did not travel, Cole Sullivan was back (and possibly a little rusty). This performance didn't build confidence in holding Ohio State to 10 points again, a lot of Maryland receivers were running open. Brandyn Hillman had another good game, maybe that mini-suspension was the best thing for his career. He was even directing players into position. Some of Maryland's drops count as triple drops. There's just not much interior rush from this defensive line, maybe play Barham at linebacker against OSU so you can blitz him. Does Wink actually call plays without knowing or caring which personnel are out there? This year you don't have the two best defensive tackles in America and you can't bait Ryan Day into running into a six man box.  3. Hot Takes, Game Theory, and Special Teams Starts at 56:08 Takes hotter than yours truly after he got through the hot takes intro and had to re-do them because the Sklars dropped out of the call. Brian broke Zvada. Chase Taylor gets +4 on the onside kick recovery, that did not feel good. There was no punting from Michigan so we don't have to complain about punting. Marsh had some nice punt returns?? End of first half time management was less than ideal, Goodwin lined up in the wrong spot and they should've called timeout. Stop jumping offside! The late hit by Brandt was a weak call, so was the one on Bryce Underwood. Every replay angle was field-level and somehow they're contradictory?  4. Around the Big Ten with Jamie Mac Starts at 1:19:43 Oregon 42, USC 27 A close-ish looking boxscore but Oregon scored 28 first half points. Oregon has figured out some things after the Indiana game, they're in the 99th percentile in opportunity run rate. They're starting to look like the championship team they were hoping to be.  Iowa 20, Michigan State 17 Iowa pulls out a classic game that they don't deserve to win. MSU QB Alessio Milivojevic punted three times. Michigan State's 8 game losing streak is tied for the 2nd longest, the program record is 10. Tickets for MSU vs Maryland at Ford Field after the game are free!  Northwestern 38, Minnesota 35 An offensive explosion game! Northwestern wins at Wrigley for the first time in 8 attempts.  Wisconsin 27, Illinois 10 Neither team gets to 300 yards of offense. This was the first time all season that Wisconsin scored in the first and second quarter.  Penn State 37, Nebraska 10 The Grunk throws 12 times for 181 yards, that'll do it. Nebraska goes 1 of 6 on 4th down. Who is Penn State's number 1 coaching candidate?  Washington 48, UCLA 14 The Huskies continue to play without some of their stars but still blew out UCLA Ohio State 42, Rutgers 9 Ugh MUSIC: "Feel It Again"—Winyah "Drugs"—Philharmonik Live from NPR Tiny Desk "DBZ"—Your Old Droog and Method Man “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: The Band Feel THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- Not necessarily in this order. 1. Maryland Preview: Offense starts at around noon They have a kid quarterback too, but Malik Washington doesn't have an offensive line or a running game to help him. He does have a redzone threat in Shaleak Knotts and a couple of other productive receivers. That offensive line is the problem—their left tackle is from Central Connecticut State and he's not even their worst OL. Their TE room is banged up and bad at blocking. The RB and TE are good receivers but don't contribute much to the run game either, and somebody on this team has to protect the QB. 2. Maryland Preview: Defense starts at around 12:20 PM They're very young—younger than we are. Remember when Jalen Huskey picked off JJ McCarthy in the endzone? Hint: it was the game JJ threw interceptions in 2023 and made us feel bad briefly. They're opportunistic in the secondary, and won some games early in the season because they pick the ball off. They also have some transfers who make the passing game tough sledding: an Ohio vagabond who gets the backfield, a true freshman pass rusher that M had its eye on. Safeties are the returning starters and the best part of the defense, but have to hang back and clean up after the kids. Prescription: pound 'em. 3. Hoops: TCU and MTSU After-Action Report starts around 12:40 PM This team can be maddening. They have eight to nine starters who will take over a game or throw it away on any given possession. Aday Mara can be inconsistent even when his height isn't, and that's why they're 6th in Kenpom. Team fixed its rebounding issues and sprung some major turnover issues that allowed MTSU back into a game they were out of, before they were out of it again. The Blue Raiders settled for a lot of jumpers—contested threes or pullup other twos, while M is scoring 1.4 PPP at the rim. That formula is going to work against a lot of teams, but San Diego State and Auburn are going to be real threats. 4. Northwestern After Review starts at around 1:00 PM Andrew Marsh, come on down. Already on star watch and boy do we like that. Bryce was pretty good except when he threw a REALLY BAD freshman interception and an only kinda bad OC interception because they went to the well one too many times against Robert Fitzgerald, who balled out. Run game: Jordan Marshall is special but Bryson Kuzdzal is playable. Offensive line continues to do well against this level of competition; got 70% of their available yards against a very good defense. Defensively Seth thinks he's figured out (finally) why Michigan's rotations are what they are, in part because Michigan finally figured out their rotations. They also tried a new 3-3-5 defensive strategy that uses Barham as a linebacker and Hausmann as a hybrid, but it suffered the same fate as a lot of Wink ideas when he springs something new. Fine games from Brandyn Hillman and Mason Curtis; not as mad at Bowles as I thought we'd be. Cam Brandt: that's still weird, at least in pass rush, but he did some things in the run game to justify himself again. Featured Artist: The Band Feel You know here at MGoBlog we're fans of the un-Googleable. The Band Feel, which will be at The Pig in a few weeks, looks, acts, and sounds like a lost act from the early 1970s. But man does it ever work now, and it's not like the psychedelic ideas stopped coming when all the Zeppelin knockoffs drank themselves into glam. The Band Feel picks up where Beck, Sabbath, Deep Purple, etc. left off, but they also work in all the threads that have been developed since. The hit is "Shoal Creek" which sounds like a long lost Led Zeppelin song, but I stumbled on "Fly Birdy, Fly" which weaves in some of the bluegrassy ideas that became country back into rock. Goodbye Virginia is off their 2024 EP but the others are from their newest album Into the Sun. Songs: Icarus Fly Birdy, Fly Goodbye Virginia Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

This week on LoanOfficerPodcast.com, Chris Johnstone breaks down one of the most important industry shifts we will experience in our lifetime: the rise of AI-powered search, customer service, and referral generation.   We're no longer talking theory. AI is already recommending mortgage lenders, generating full 1003 applications, and reshaping how homebuyers shop for real estate and financing. Chris explains why this transition will move faster than Google's rise — and what loan officers must do now to stay relevant and win.   3 Big Takeaways:   AI is becoming the new search engine: Homebuyers are already asking ChatGPT who to work with — and choosing its recommendations. Authority scoring now determines who AI recommends: Loan types, local content, and weekly training signals shape whether AI sees you as an expert. This shift is moving fast — faster than the Google era: Loan officers who adapt early will dominate. Those who wait risk becoming the next Blockbuster.     Don't fall behind the curve. This episode could be the competitive edge you need in 2025.

Learn how Cardiff has become America's favorite small business lender by leveraging technology to deliver quick approvals and funding for entrepreneurs in need.   In this episode of Sharkpreneur, Seth Greene interviews Dean Lyulkin, Co-CEO of Cardiff, who shares the journey of Cardiff from its humble beginnings to becoming one of America's most prominent small business lenders. He discusses the challenges and opportunities small business owners face when securing financing and how Cardiff's use of technology and digital marketing has enabled them to offer quick, easy access to capital. Dean also explains how Cardiff differentiates itself by providing both working capital and equipment financing solutions tailored to the unique needs of small businesses.   Key Takeaways: → The main mistake small business owners make is relying on outdated advice and not understanding that banks no longer serve their needs. → Small businesses should be cautious of unsolicited offers via text messages, as they are often red flags indicating a scam. → Despite the challenges posed by the 2008 financial crisis, Cardiff found success by focusing on small business needs and staying agile. → Small businesses often turn to banks for financing, but the banking industry's exit from small business lending created a void that Cardiff has filled. → Cardiff's goal is to provide funding decisions within minutes and deliver the money the same day to help small businesses solve immediate problems.   Dean Lyulkin is the Co-CEO of Cardiff and a recognized leader in alternative finance and investment strategy, known for delivering rapid, reliable capital to small businesses underserved by traditional banks. With a background in lending strategy, nearly a decade of experience at Fisher Investments, and a sharp understanding of macroeconomic forces, Dean plays a central role in shaping Cardiff's growth, innovation, and human-first approach to funding. He is a trusted voice on the impact of economic policy, interest rates, and financial markets on small businesses, and investing, frequently offering commentary and insights. Dean is also the creator of The Dean's List, a registered investment advisor, educational platform, and community that aims to bring transparency, clarity, and community to the investing world empowering high net worth individuals to make confident, informed investment decisions by cutting through industry complexity and elevating the next generation of investors. By combining operational expertise with a personal commitment to equity and access, Dean has helped lead Cardiff deploy over $10 billion in funding, empowering thousands of business owners across industries like healthcare, construction, logistics, and retail. Connect With Dean: Website: https://www.thedeanslist.co/https://www.thedeanslist.co/ https://cardiff.co/ Instagram: https://www.instagram.com/jointhedeanslist/ X: https://twitter.com/DeanLyulkin LinkedIn:  https://www.linkedin.com/in/dean-lyulkin-167b41 YouTube: https://www.youtube.com/@deanlyulkin Learn more about your ad choices. Visit megaphone.fm/adchoices

2 hours and 34 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Northwestern Starts at :51 This doesn't even qualify as a top five weird Northwestern game (we list our top five). This week's snack of the week is organic pumpkin seeds. On one level, this kinda looked like Michigan's best game of the year on offense and defense. Michigan comes out slinging it and Bryce's confidence seemed like it was at another level, but he made young mistakes. What happened on Bryce's sacks? Playing Northwestern always kinda feels like they have your signs. Michigan was able to counter some of Northwestern's defensive counters. Most of the mistakes are coming from freshmen which is just something that happens. Missed cuts on zone is whatever but missed cuts on power isn't good. Bryson Kuzdzal came in and did just fine. Bryce's scrambles were pretty good and mostly improvisation, his interceptions were freshman stuff. Safeties were baiting him, can he anticipate that in the future? The first interception was not understanding how to read the coverage, the second one was just needing to throw the ball better. Andrew Marsh made the Michigan catch of the year, you have a dedicated receiver going into next year. You could have 12 of 14 boxes in a great position next year. Andrew Marsh is the best freshman receiver since... Manningham? How much does this performance mean against Ohio State? The reverse fumble is on Chip Lindsey.  [The rest of the writeup and the player after THE JUMP]  2. Defense vs Northwestern Starts at 44:15 Northwestern came into this game with a pretty good ground game and they got stuffed. This was a good game to run the 5-2 in, Northwestern is on the opposite end of the spectrum from USC. Northwestern's gamesmanship cost them two false starts, Michigan tipped what they were running multiple times. The defensive backs got beat a few times but sometimes a receiver just makes a nice play over you. You probably don't want to put Zeke Berry on Jeremiah Smith, Jyaire Hill is getting his star back. Brandyn Hillman tackled with his arms! He's grown as a much more mature player over the season. They're defending screens now! TJ Metcalf body-slammed a guy.   3. Hot Takes, Game Theory, and Special Teams Starts at 1:08:55 Takes hotter than suburban Chicago in mid-November. There seems to be differing views on how much people liked this venue for a football game. The camera shots were weird. Seth and Dave think the inside of the stadium is magical, Brian not so much. It might've actually been 90% Michigan fans. They did the best they could with clock management at the end of the first half. What about timeouts at the end of the second half? Zvada kicked the ball into the street outside of the stadium. Brian takes responsibility for the missed field goals by changing the preview. Semaj got replaced, he's a better player than he's performed but he may be overdue for a mental health break. 4th down decisions. NFL calculator says there's a complete coin flip in decision making. It shouldn't be a holding call if you're getting your ass kicked. Semaj was on the ground with the ball but they didn't overturn the fumble? There's no transparency between officiating and the fans, other conferences and sports are getting better at it. 4. Around the Big Ten with Jamie Mac Starts at 1:59:37 USC 26, Iowa 21 Iowa jumped out to a nice lead but scored zero points in the second half. The Hawkeyes lost three offensive linemen. The universe is paying them back for all the 10 win seasons they had no business having. USC is now a legitimate playoff contender.  Indiana 31, Wisconsin 7 This was a sludge fart for Indiana in the first half but put it away in the second. Wisconsin is one of the worst Big Ten offenses ever contemplated. Most of Wisconsin's offense was off of a couple weird plays.  Penn State 28, Michigan State 10 A rock fight between two of the worst teams in the league. Michigan State had 15 wins over the last three years... well at least they did. Penn State won the very ugly trophy which might actually be the best trophy and they looked like they really wanted it. Illinois 24, Maryland 6 Maryland is not even trying to run the ball anymore. Illinois ground them to a pulp. Don't throw at Maryland, just run them over.  Washington 49, Purdue 13 Washington doubles Purdue in yardage and most of that was likely garbage time for Purdue.  Oregon 42, Minnesota 13  This feels like danger zone for PJ Fleck. They could lose to Wisconsin?? Ohio State 48, UCLA 10 UCLA is without Nico in this game, their backup has never thrown a college pass. UCLA is moving out of the Rose Bowl??  MUSIC: "Slow Burn"—The Rose City Band "Swans"—Maston "Optimism"—Jana Horn “Across 110th Street”—JJ Johnson and his Orchestra  

What you'll learn in this episode: ● Why most agents waste time showing homes to buyers who never purchase—and how to prevent it● How to get hired before ever showing a home by treating the consultation like a listing appointment● The crucial role of video calls in setting expectations and gaining commitment● How to leverage lender partnerships to create certainty, trust, and stronger offers● How buyer psychology can help eliminate objections before they arise● Why focusing on consistent activity—not unpredictable outcomes—drives long-term success To find out more about Dan Rochon and the CPI Community, you can check these links:Website: No Broke MonthsPodcast: No Broke Months for Salespeople PodcastInstagram: @donrochonxFacebook: Dan RochonLinkedIn: Dan RochonTeach to Sell Preorder: Teach to Sell: Why Top Performers Never Sell – And What They Do Instead

wsg Rodger Sherman, founder of Sports!, formerly of The Ringer, coiner of "Fetty Wapping," college football hero. The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Terry Klein THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- Not necessarily in this order. 1. Northwestern Preview starts at the top They're fine. Their offense plods but for one good receiver or when their QB throws an INT, which he's got accuracy problems that were visible when he was a Rhett Ashlee QB at SMU. Their defense is decent, rotates, plays sound football of a Lloyd variety. Alex likes edge Aidan Hubbard more than Michael Kilbane (whom PFF prefers). Their DTs are a little undersized so they jump behind the line of scrimmage, which Nebraska was able to exploit down the stretch. 2. Northwestern Preview cont. wsg Rodger Sherman starts at 13:56 What's it like being a Northwestern fan these days? It's spending $800 million on an unnecessary stadium instead of players, because you can't put your name on players. 3. Wake Forest After-Action Report, and a short TCU Preview starts at 27:45 How many ways can we say Mara is a star? Defensive ceiling is ridiculous. Three-big lineup needs a name. We also talk about Matt D's findings regarding the defensive play of Michigan's guards, which was not at all what we expected. 4. Purdue Upon Further Review starts at 44:58 Young offensive line plus Zack Marshall and Jalen Hoffman continue to be good blockers—might meet their match vs Ohio State. Jordan Marshall is a beast. Bryce's second half wasn't great either—he was not feeling comfortable in the pocket, missed some RPO reads he made earlier. Need a bye to get right. Defensively, I wasn't mad about Wink. Don't say on the internet that I was mad. Defensively the kids were not alright and the defensive rotations were still weird, but more explainable given the injury circumstances. Long drives were explainable until Purdue figured out they were just running nail (where you insert a blitzing LB as a 5th lineman and play 5-1). Interested in Lugard Edokpayi. Featured Artist: Terry Klein I usually don't go for country music, but I do when it's made by Terry Klein (LSA 1995), a folk country artist from Austin who's been touring festivals the most hallowed singer-songwriter venues across the country for decades, and reading a lot of MGoBlog between stops. His last album Leave the Light On won a bunch of acclaim, making American Songwriter's list of the best records released in 2023. His fifth album, Hill Country Folk Music, just came out. Songs: I Used To Be Cool The Dirty Third The Job Interview Song     Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Struggling with boundaries? Attachment expert Daphna Lender reveals why "gentle parenting" trends miss the mark. Learn the neuroscience-backed technique of parental self-regulation that transforms difficult moments with your kids. Discover why your own nervous system holds the key to effective boundaries. With 30 years of clinical experience, Daphna shares evidence-based strategies for managing challenging behaviors in children and teens. Learn how to "clear your screen" before setting boundaries, why listening with curiosity changes everything with teenagers, and the surprising power of disengagement. Read the show notes for today's episode at terricole.com/783

In this episode of Jane's LME Addiction, our head of LME coverage Jane Komsky brings in Davis Polk partners Brian Resnick and Hilary Dengel to discuss voting cap and lender concentration cap language in credit agreements and how they may affect creditor organization and liability management exercises. They discuss the goals of these provisions, whether these provisions are “anti-co-op”, and whether they are more effective than DQ lists for sponsors trying to decide who buys into their debt.Find all our coverage on concentration caps, voting caps, and DQ lists at 9fin.com.Have any feedback on the podcast? Send us a note at podcast@9fin.com — thanks for listening!

Get the Midterm Rental Insurance Blueprint: ⁠https://experimentrealestate.com/#blueprintIn this insightful episode of In The Lab, Ruben welcomes Giang Nguyen, founder of One River Capital, a former scientist turned real estate investor and syndicator. Yan shares her remarkable journey from working in gene therapy at the Children's Hospital of Philadelphia to achieving financial freedom through multifamily real estate. Her story unfolds with precision and strategy—from buying her first $30,000 foreclosure property in cash to scaling into duplexes, five-units, and eventually syndications.Yan breaks down the financial and emotional blueprint behind leaving a W2 job the right way—by doing the math, living below her means, and mastering capital allocation. She reveals how she bought, renovated, and refinanced early properties, often paying in cash before leveraging them to scale. As a mortgage broker and syndicator, Yan dives deep into the mindset and numbers that drive wealth building—covering how to calculate key performance indicators (KPIs), why cash flow matters more than NOI, and how investors can prepare to transition from single-family homes to multifamily investments.This episode is a playbook for anyone looking to build wealth strategically, without hype—only math, milestones, and mastery. Tune in now to learn how Yan's methodical approach can help you engineer your exit from a W2 and design a business that funds your freedom.HIGHLIGHTS OF THE EPISODE:07:35 Giang talks about the push that made her need to grow in multifamily22:21 Giang talks about how syndication performance is measured. KEEPING IT REAL:00:05 – Offense vs. defense01:09 – Scientist to investor06:23 – Choosing freedom over medicine08:58 – First $30K property10:35 – Learning by doing14:04 – Living below one's  means15:57 – Employer match strategy17:00 – No car philosophy18:35 – Comfort in numbers21:01 – Financial blind spots23:33 – Tracking key KPIs25:01 – Distribution vs. NOI30:55 – Cash flow clarity33:37 – Proof of concept35:04 – Multifamily cash flow36:09 – Zoning strategy explained37:26 – Buying “by right”38:05 – Highest and best use40:06 – Transition to 5+ units42:00 – Immigrant lending limits43:40 – Lender risk factors1:41:13 – Power of community  Episode Hashtags: #RealEstateInvesting #FinancialFreedom #Syndication #Multifamily #W2ToWealth #CashFlow #ImmigrantEntrepreneur #WomenInRealEstate #MortgageBroker #OneRiverCapital #InvestSmart #BuildWealth#CapitalRaising #FinancialStrategyCONNECT WITH THE GUESTWebsite: https://onerivercapital.com/Linkedin: https://www.linkedin.com/in/thatsalsainvestor/

2 hours and 26 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Oakland Starts at :53 Everyone said "nice" at the halftime of this game. At first it didn't seem like the results meant much because Oakland looked really bad, but then they went and had a close game against Purdue. How much can you gather about Michigan fromhere? Trey McKenney was 6-8 from three and looked the part. He also had four assists and no turnovers, there were some Darius Morris qualities about him. Do they go with the very big rotation with Yaxel out? Will Tschetter seems to get more minutes when Yaxel is out, would like to see him step up as a four year player. Wake Forest was a bubble team last year and look like one this year, that game will tell us more about Michigan.  2. Previewing Men's Basketball in the Big Ten Starts at 21:31 In reverse Kenpom order Penn State They're bad. Rutgers How is this team even going to score a basket? They have seven teams scheduled in the 200s.  Minnesota Niko Medved's first year at Minnesota, but the roster does not look good. They'll compete with Rutgers and Penn State for the bottom spot. Oregon 35th in the preseason but have fallen considerably after a one point win over Hawaii and a four point win over Rice. They have a transfer from Elon, the Oregon NIL budget must be focusing on football.  Maryland The only Big Ten team with a loss. They shot terribly against Georgetown and were only in it because they scored 30 points off of free throws.  Northwestern They bring back Nick Martinelli, the guy who makes the worst shots you've ever seen (complimentary). They've blown out Mercyhurst and Boston, which would be impressive if it was hockey. Their center looks like Elvis. Washington Very young team starting two freshmen and two sophomores.  Nebrasketball Sam Hoiberg is still playing a majority of minutes, but at least the mustache is gone. They bring in the Icelandic Unicorn.  Iowa Ben McCollum's first year. Tavion Banks looked great at Drake last year but will probably hit a wall against the Big Ten.  Ohio State They beat IU Indianapolis 118-102, eek. They've retained a few players which is a big thing in college basketball now.  Michigan State More continuity and the best win in the Big Ten so far (69-66 over Arkansas). They're very experienced. They were awful at three point shooting a year ago and so far they're at 20% this year. This doesn't seem like a team that's going to win the league by three games but they didn't look like that last year.  Indiana Year one for Darian DeVries. They bring in a lot of new players and we don't know what to expect. This team is loaded with seniors. They're going to do what they do and then go away.  UCLA Mick Cronin is awesome, actually. How can a team starting Xavier Booker at center be? They have shooting but defense and rebounding are big questions. What if Mick Cronin yells at them more? USC Hey it's Terrance Williams. USC is surprisingly putting together a basketball program. Wisconsin They're 18th in Kenpom and looking at the roster doesn't make sense. There's no bench, either.  Purdue They bring back Braden Smith and Trey Kaufman-Renn. Fletcher Loyer is also back. Their 10 point win over Oakland was awkward. Jack Benter is an interesting freshman at guard. You can't second guess Matt Painter but they're missing their classic giant center that they build around.  Illinois This team is huge. They absolutely blew out Jackson State and Florida Gulf Coast. Pronounce Ivisic, or Petrovic, or Stojakovic, or Jakstsys.    3. Hot Takes and Hockey Updates Starts at 1:15:30 Takes hotter than the opposite of Kinnick Stadium, that looked miserable. Michigan split with Wisconsin over the weekend in a return to reality series. But it felt like worse than a split for what got exposed. Michigan couldn't get out of their zone but most teams on the schedule won't be able to replicate what Wisconsin did. Goalie Jack Ivankovic also just had a bad weekend which happens. Friday was such a fun game that was getting ruined by piped in music. They're being told to turn it down. Wisconsin seemed to really get under Michigan's skin and the frustration came out. The Big Ten is one of the best hockey leagues in the world and the league barely broadcasts games.    4. Around the Big Ten with Jamie Mac Starts at 1:45:28 Indiana 27, Penn State 24  Absolutely bonkers ending. The final two catches were amazing. This game raised questions about Indiana's ability to block next-level guys. Mendoza was pressured on 50% of dropbacks. Penn State did start the season with a group of players you would've thought would do that, though. All Penn State quarterbacks are now "The Grunk". Indiana was 2-25 against Penn State coming into this game and this was their first ever win in Happy Valley, the feels are still amazing for Hoosiers fans.  Oregon 18, Iowa 16 Oregon went into Kinnick during a rain storm and got almost the full Iowa experience (except that the safety happened to Iowa). The only stat that matters is that Oregon survived a November night(ish) game in Kinnick, survive and advance in that scenario.  Wisconsin 13, Washington 10 Played in similar conditions as Oregon vs Iowa, except this game sucked! Wisconsin's lead passer was the punter. This was a Big Ten West game and someone had to lose. If this wasn't in a sleet storm then Demond Williams probably gets more than 134 passing yards.  Nebraska 28, UCLA 21 Nebraska QB TJ Lateef goes 13/15 for 205 yards and 3 touchdowns. Dylan Raiola who? This was a very Big Ten game with limited possessions because both teams ran the ball a lot. Nebraska goes through so many running backs but might've finally found a guy. Rutgers 35, Maryland 20 Rutgers' running back Antwan Raymond rushed for 240 yards but Rutgers got outrushed. Maryland had six explosive plays and had a -0.4 EPA outside of those. Rutgers rescued their bowl hopes. USC 38, Northwestern 17 The boxscore is a blowout. USC had a fake punt pass that wasn't even legal. Why did they pull that out against Northwestern? It was close at the time. Ohio State 34, Purdue 10 merp MUSIC: "Feel For Love"—Michigan Rattlers "What's It All Mean"—Philharmonik "Sin Triangle"—Sidney Gish “Across 110th Street”—JJ Johnson and his Orchestra   

On today's show we are talking about negotiating with a lender. We have a loan application in process that has taken much longer to finalize than promised. It often happens that a project has complexity associated with it. The lender puts the data room into underwriting and what comes out the other end often is surprising. Surprises at this stage are usually not good surprises. The terms at closing can differ significantly from the terms offered in the signed term sheet. This is where it is important to ask questions. Why did you reduce the loan amount? Why did you increase the interest rate? Why did you increase the loan interest reserve to such a high level? It's through this process that you can gain an understanding of how the lender is looking at the project. We have a file in front of a lender right now that experienced several misunderstandings. -----------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)  

Clayton Collins acquired HousingWire with a big vision for the small media business. 9 years later, it has come to life.Register for the webinar:Overcoming Risks from a Lender's Perspective -  TODAY! - https://bit.ly/3WxDKAsTopics in Clayton's interview:Hire for your skill gapsFlying around the country to meet investorsAsking for warm introductionsSelling investors on his strategic visionWhat to look for in a media companyDirect relationships with advertisers vs. programmatic adsRebuilding the sales team over and overRiding the wave of the mortgage industryMaintaining the magic of annual eventsSelling print ads differs from selling digital adsReferences and how to contact Clayton:LinkedInHousingWireNathan Gregory on Acquiring Minds: Business-Buyer Fit in a 42-Year-Old Media BizGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabGet complimentary due diligence on your acquisition's insurance & benefits program:Oberle Risk Strategies - Search Fund TeamConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

Dr. Ann Kelley is joined LIVE from Psychotherapy Networker with Dafna Lender, to explore the complex dynamics of parent-child estrangement. Focusing on the emotional and psychological impacts of cutting off family relationships, together they highlight the cultural influences that contribute to these estrangements, the therapeutic perspectives on navigating such situations, and the importance of empathy and boundaries in managing family dynamics. This conversation is about learning to hold both empathy and boundaries - understanding why someone might step away, and how to stay grounded and compassionate in the process. It's an honest look at the heartbreak, the healing, and the hope that can emerge when families face difficult truths. View the full episode shownotes at TherapistUncensored.com/TU284

1 hour and 55 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Purdue Starts at :57 This podcast starts out telepathically but then Brian's intrusive thoughts got telepathed so it had to stop. Dave introduces the Snack of the Week. Would you rather talk about this game or Dunkaroos? Bryce Underwood - not good in the first half. A fumble on the sideline is usually harmless unless it involves the silliest rule in football. His scrambling was good but you can't build a business in this industry by scrambling, that will get you killed against Ohio State. Too many missed passes, he doesn't really settle in. By the Georgia game, JJ was probably where Bryce is now - many mistakes but you can see the talent. On the flip side, the offensive line had a great game. Purdue loaded the box but Jordan Marshall rushed for 185 yards anyways. You can't tackle him with just one guy, he will emerge from piles. This is the fourth straight game where Sprague has been incredible. Bryson Kuzdzal had some nice runs on the game-sealing drive. Tight ends were fine, more catches by Zack Marshall. There's not a lot of separation between Marshall and Klein. Semaj had way fewer snaps, Goodwin saw more time. You have six 2nd or 3rd year players on this offensive line that can absolutely play in this conference. The future of the offensive line is bright.  2. Defense vs Purdue Starts at 41:43 How do we even feel about the defensive performance? We've seen Purdue all season be an offense that moves the ball down the field but can't score. That happened but it felt bad. Cam Brandt was too far upfield on a couple big run plays. Why are the good defensive ends not on the field for 70% of the snaps that they should be out for? Why are the starters rotating out so much throughout the game? Assuming he's healthy, do you put Jaishawn Barham at DE or LB against Ohio State? Michigan didn't commit to a position for him and it's hurting his play. Way fewer three defensive tackle sets, yay. If your name is going to be "Michael Jackson" you need to go by "Mike". Jyaire Hill got sealed a couple times but was otherwise fine. The endzone DPI was DPI. Metcalf got sucked in during the touchdown.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:06:04 Takes hotter than the amount of trouble Jason would get into if he did the Hot Takes voice at a golf tournament where he was during recording. Michigan has not been good at Special Teams Things, why are they running kickoffs out of the middle of the endzone? Another punt that Semaj didn't field that gave up 20 yards. Did Jay Harbaugh have a heat map for punting? We've never had to talk so much about shield punting positioning but now we have to. Clock management at the end of the first half was pretty on-point. Purdue's 4th down decision making was aggressive which you do if you want to try to win the game. Shout out to Michigan fans for feeding energy back into the team in the 4th quarter. The students did the shirtless thing that's become a college football thing. Also shout out to Barry Odom for getting the Purdue bench fired up.  4. Around the Big Ten with Jamie Mac Starts at 1:28:22 Indiana 55, Maryland 10 This is a typical Indiana game these days. Indiana's offense is a machine. The defense is... also a machine?? Every week, Indiana has some weird defensive stat that's historical and worth tracking. Mendoza threw and interception on his first play, the game was wobbly for about a quarter.  Ohio State 38, Penn State 14 Briefly competitive in the 2nd quarter. Penn State is the first top five team in the history of college football to lose five straight games. Julian Sayin had 14 yards per attempt. Ohio State finally catches a break and gets an obvious targeting call to not get enforced.  Minnesota 23, Michigan State 20 (OT) MSU benches Aidan Chiles for Alessio Milivojevic. The Spartans lose this game despite outgaining Minnesota by about 160 yards. The final two minutes of this game are worth watching. Northwestern QB Aidan Chiles?? Alessio had a better EPA than Chiles any other game this season. USC 21, Nebraska 17 If you like offense, don't look at this game. We are suddenly having feelings about Wink Martindale. Dylan Raiola is done for the season and USC is able to grind out a win. Raiola's backup went 5/7 for 7 yards.  Illinois 35, Rutgers 13 A solid victory for Illinois, most of Rutgers' yards are when it was 35-6. Bert: "I put us as good as any 6-3 team out there. That doesn't mean anything." Bowl eligible in consecutive seasons for the first time since 2011. Illinois is the new Wisconsin.  MUSIC: "On & On"—The Marcus King Band "Husbands"—Geese "Don't Forget That I Love you"—Pale Jay “Across 110th Street”—JJ Johnson and his Orchestra 

Both buyer Jared Lenner and seller Dave Serwitz share their perspectives on the acquisition of a 20-year-old business.Register for the webinars: Investor-Backed Search and SBA: Buy Bigger, Keep Control - TOMORROW! - https://bit.ly/4qABMgnOvercoming Risks from a Lender's Perspective - Thu Nov 6th - https://bit.ly/4qDoJdVTopics in Jared & Dave's interview:Jared buying Dave's tutoring businessDave's motivation to sellChoosing to work with Search Fund AcceleratorTheir agreement to “assume positive intent”Why Dave didn't sell to private equityHow the in-person business survived CovidBookkeeper quit right after transition“Other people's money is scarier than a PG”Competing with AI in the futureHow it feels to sell your companyReferences and how to contact Jared & Dave:Dave Serwitz LinkedInJared Lenner LinkedInGrade Potential TutoringMarc Anderegg on Acquiring Minds: So Much Fun: The Buyer of Choice in a Fragmented IndustryGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsDownload the New CEO's Guide to Human Resources from Aspen HR:From this page or contact mark@aspenhr.comWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

Friend of the program Rob Bodkin joins us once again from the Seattle area to talk about how he moved the needle from doing mostly AMC/lender work to almost 50% lender vs non-lender. One of the ways that he did so was by partnering with appraisermarketinggroup.com SUBSCRIBE: https://dustin-harris.mykajabi.com/newsletters/2147763779/subscribe

No Brian this week The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Grand Gesture THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. Purdue Preview: Offense starts at the top Injured Mockobee, injured, turnover-prone starting QB in a battle with Arkansas transfer. OL gets worse from left to right. Receivers drop more than ours. Tight end was one dude who's hurt and three weirdos. They move the ball with College Crappe: screens, GT Counters, lots of RPOs, and the occasional baller play by Ryan Browne. DO NOT UNDER ANY CIRCUMSTANCES WINK. 2. Purdue Preview: Defense starts at 25:22 That secondary is rough and getting rougher. They have one good lineman, plus maybe a second in Breeon Ishmail. Linebackers came with Odom. Do the Nebraska thing where they give you lots of weird fronts, 3-3-5, 404 Tite, Mint, etc. so they confuse your reads. Going to be fits and starts, need to take advantage of the cracks without Haynes. 3. MSU After Review starts at 45:51 Defensive UFR things: Jimmy Rolder was a star for more reasons than you think. Jyaire Hill took away their main thing. Chiles looks broken, MSU OL look broken, they are down bad. 4. We Solve the Coaching Carousel starts at 1:03:29 Open and soon to be open coaching jobs, person who has to approve, person we would choose. We ship LSU, PSU, Florida, Arkansas, VT, Wisconsin, UCLA, Stanford, MSU, Oregon State, and Oklahoma State, plus Seth has one more because we stole a coach from somewhere. Featured Artist: Grand Gesture (Spotify) We featured Grand Gesture on this show back in 2017 and I rediscovered their album I downloaded (for free) from Bandcamp. Reader Ryan Dembinsky (class of 2000) is one of the guitar players in this NYC band that promises "Protean fjord jam rock." I'd actually characterize it as a great example of the more interesting stuff that came out at the end of the garage rock era (other examples: Apollo Sunshine, Starlight Mints) that I thought was better than the genre that birthed it. Ryan also used to write the Ghosts of Wayne Fontes blog back when MGoBlog was young (2006-2009) and sports blogging was a budding industry. I'm not sure they're still together—the last show on their FB page was pre-pandemic—and even then they were all musicians on the side with full-time jobs. I wonder what would have happened if they took this professional though, because they're pretty good and got some buzz in the NYC music scene around 2017. Songs: Straw in My Sock Computer Love 1,000 Yard Stare Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

Bankruptcies appear to be mounting in the subprime auto lending business. This all comes as auto loan delinquencies are rising, and the price of new and used cars stays stubbornly high. Amid all this, the Trump administration is quietly exploring a rollback of federal supervision of subprime auto lenders. Then, could federal law override state law that prevents medical debt from affecting your credit score? Plus, OpenAI goes from non-profit to for-profit.

Bankruptcies appear to be mounting in the subprime auto lending business. This all comes as auto loan delinquencies are rising, and the price of new and used cars stays stubbornly high. Amid all this, the Trump administration is quietly exploring a rollback of federal supervision of subprime auto lenders. Then, could federal law override state law that prevents medical debt from affecting your credit score? Plus, OpenAI goes from non-profit to for-profit.Correction (Oct. 29, 2025): The introduction for the story about Consumer Financial Protection Bureau oversight of auto loan lenders in this episode contained an error that has been corrected. The threshold for which companies the CFPB can investigate involves how many loans those companies originate.

2 hour and 30 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Michigan State Starts at 1:05 They watch games in Craig's garage but to be clear it's a very nice garage. This game means different things based on if you're from Michigan or not. This game is like "Jerry Springer: the Rivalry". Michigan went back to the 2023 "we can just run the ball and get away with a win" gameplan. 'Road Bryce' seems to be a real thing. Every time they show Jonathan Smith he looks like he doesn't want to be there. Should there be an ingrained hatred of Michigan if you're going to be the head coach at Michigan State? Bryce doesn't have a good game but both backs go for over 100 yards. Bryce looked great last week, what happened? Or is this just the case of a true freshman in a road environment again? Sprague and Guarnera had great games, El-Hadi maybe not so much? The pieces for the 2026 offensive line may already be in place. Let's talk about Semaj... We're mostly out on Semaj, do you bench him now for his own good? Jordan Marshall: runs through guys and runs through guys. The Crippen high snap was unfortunate. Can anyone play fullback better than Max Bredeson?  [The rest of the writeup and the player after THE JUMP]  2. Defense vs Michigan State Starts at 59:04 We've been down on Wink but this was a good game for the defense. You can't take much on this based on the performance of the opposition. Chiles was awful in a vacuum, Michigan was not forcing his problems. Hillman had a really good game, he's been given a lot of criticism but this was a chaotically good game. Jimmy Rolder was a little bit of everywhere, he's a playmaker now. Derrick Moore is pretty good, he should start! Everything around the defensive tackle position is fine but we're used to a defense designed around great defensive tackles. Defensive backs should have as equal right to the ball as wide receivers.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:26:57 Takes hotter than the bacteria and/or virus that really got up in Brian's business this week. Glue the hat and pants on, Michigan State's not getting the trophy back. Some of us don't think that guy was off-sides... or was he? The hold on Crippen is not even remotely a hold. If that's a hold then we need to talk about Jaishawn Barham. Why are we accepting a fair catch on the 20?? We are out on J.B. Brown as special teams coordinator. Hollenbeck had a nice game at least. Semaj gets run over by Goodwin?! Should they have taken a shot in the endzone before the end of the half?   4. Around the Big Ten with Jamie Mac Starts at 1:51:10 Rutgers 27, Purdue 24 The Purdue QB catches his own pass and spectacularly hands the game over to Rutgers in dramatic fashion. Rutgers gets yards, not points. Purdue wins a game they probably shouldn't have. This game kind of saved Rutgers' season, they could potentially compete with Penn State for bowl eligibility.  Nebraska 28, Northwestern 21 Northwestern outgains Nebraska and Dylan Raiola was un-inspiring. That said, Raiola was still the better QB. Northwestern always seems to find the worst QB in the portal. Nebraska seems to think they can solve their offensive line problems with the portal but they can't.  Indiana 56, UCLA 6 There was a pick-six a minute into the game and that's all she wrote. Last year Indiana was a fun story, this year THEY'RE SCARY.  Washington 42, Illinois 25 Road Washington is a thing. The worst roughing the passer call we've ever seen is in this game. Could Oregon be a play-in for a playoff spot for Washington??  Oregon 21, Wisconsin 7 Wisconsin doesn't get shut out three games in a row! All things considered, the Wisconsin defense is playing their hearts out.  Iowa 41, Minnesota 3 Iowa had 274 total yards. How do you get 41 points on 274 total yards? It's Iowa. We need a Floyd of Rosedale pose on touchdowns in this game. Playoff Iowa??? No, that's silly.  MUSIC: "Chokkan Way"—Haku "My Girlfriend Doesn't Worry"—Jeffrey Lewis "Nausea"—Jeff Rosenstock “Across 110th Street”—JJ Johnson and his Orchestra   

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Chirp THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. MSU Preview: Offense starts at the top. What have they done to Aidan Chiles? He's dinky this year, and not very accurate as a dinker either. Be careful of his rushes. MSU fans are turning on their coaches already. Offensive line is a shambles of injury. Nick Marsh, enter the dang portal already friend. They're not even throwing to him deep. Sandbagging for this game? Please don't Wink out—they've been running a million screens. 2. MSU Preview: Defense starts at 20:26 Let Bryce cook, we say! A lot of cyans as yards are coming easily. They run both types of switch coverages—weird to see Dantonio's low safeties and press corners against a passing spread (it didn't work). Best thing to do is repeat last week's approach. 3. Washington After Review starts at 43:48 Waiting for Brian to tell us about Bryce and Frazier, but they looked pretty good. Drops were an issue, are an issue. Seth proposes a prospectin' name for Jordan Marshall. Defensively Washington contributed a lot to our scores, but credit Wink or the people who yelled at him for going back to the 2024 Ohio State gameplan. Long discussion on the rotations, especially at DL—Cam Brandt isn't Derrick Moore or a young Derrick Moore and it's unfair to be playing him as such. Also Jordan Young at the end of the 2nd half when you've got a 7-point lead. 3. Hoops and Hockey Check-In starts at 1:15:54 Hockey is undefeated after their best game in years vs WMU, game 2 is tonight and will be intense. Hoops has their 2nd exhibition, hopefully with a frontcourt this time, and this one has all the makings of an elite matchup. Featured Artist: Chirp Chirp is a four-piece band that hops around genres. I don't they've opened for Vulfpeck but they're part of that same progressive rock/funk and jazz-fusion scene. Formed in 2015, Jay Frydenlund, Brian Long, Sam Naples, and Patrick Blommel have been playing concerts and festivals all around the region. I saw them with Joe Hertler (featured here before), and got a notification in my email this week that they'll be at the Pig at the end of November (11/28), so I figured it's a good time to bring them up. I have them on my work playlist, mostly for their covers, but the songs featured are all off their 2022 album. Songs: "By the Book" (video) "Little Friend" "Fast Food Blues"       Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

2 hour and 10 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Offense vs Washington Starts at 1:05 Pay no attention to the background noise from the drag show at Venue. This game was vanilla and we like that. Bryce Underwood had a fabulous day despite losing about 50 yards from drops. There seems to be a big difference between Road Bryce and Home Bryce. Michigan didn't take many deep shots because the short stuff was working great and Washington has tall corners. The remaining road games shouldn't be nearly as threatening as the previous three. The game is over but they have a designed run for Bryce? Jordan Marshall isn't Justice Haynes but he gets a lot of yards after contact. He's still working on re-gapping but overall an excellent first start for him. Jasper Parker looked fine. Under Harbaugh not much changed between offensive coordinators, but with Chip Lindsey a lot has changed already. He was dealing in the first touchdown drive. When's the last time we came out of a game thinking "oh wow they nuked the defensive coordinator?" How do we feel about going for it on 4th down and passing it to Mr. Dropsies? Running it up the middle is probably a 70% conversion, throwing it to Semaj is also a 70% conversion but for different reasons. Evan Link looks to be done for the year. Bryce's first scramble was Frazier getting knocked backwards, he seems fine but doesn't quite have the oomf that Evan Link does. Zack Marshall had a great game, what happened to the starting tight ends? Overall the offensive line was fine.  2. Defense vs Washington Starts at 34:40 The defense only gave up seven points but everyone is still a little mad. Michigan runs a pretty vanilla defense and it works nicely because college quarterbacks are going to make mistakes. Oden did intercept the ball but uhh... it was not because of his performance. Washington shot themselves in the foot but also Jaishawn Barham was much more responsible. Wink is not forgiven but it was nice that this game plan was simplified and it was fine. A lot of defensive tackle rotation but not everybody is a play maker. Is Lou Esposito the one rotating the tackles so much? Maybe part of the chaos on defense is you don't get used to playing next to the same guy every snap. This will not be a -33 RPS day. Jyaire Hill is not getting targeted very much.  3. Hot Takes, Game Theory, and Special Teams Starts at 58:19 Takes hotter than the bangin' drag show going on during the recording of this podcast. Brian apologizes once again for changing "AHHH YOU PUT IT THROUGH THE UPRIGHTS" and disrupting the cosmic balance. Zvada misses another field goal but gets the game sealer. Punting was a 35 yarder and then a rocket. No major complains about Semaj on punt returns except that he hit the spin button at the wrong time. The 4th and 1 drop to Semaj was unfortunate. What about the 4th and 2 on the 6? The whistle blew too early. Max Bredeson's holding call is the worst holding call since that Northwestern holding call. Stadium vibe: some people could actually use their phones! It should not take nine minutes to get a $9 coke, the athletic department doesn't pay close attention to the small things. Apparently concession people at Yost don't get paid but the athletic department can finally install cell phone towers at Michigan Stadium after 11 years under Warde.  4. Around the Big Ten with Jamie Mac Starts at 1:26:57 Iowa 25, Penn State 24 The nicest thing you can say about Penn State is that a lot of big programs are in collapse. Drew Allar's career is over, Ethan Grunkemeyer throws for 93 yards and throws two interceptions. Iowa threw for 68 yards but ran for 245 yards, Iowa should just run the triple option!  UCLA 20, Maryland 17 You gotta respect Maryland's commitment to one Army drive and then not doing a thing after. UCLA looked like the better team all game. This was a Big Ten [wild wild] West game. This is Maryland's third straight heartbreaking loss, they can't finish games with a freshman QB. There's still a path to a bowl.  Indiana 38, Michigan State 13 Shout out to everyone who listened to this on Spartan Radio. Indiana's offense was extremely efficient. Fernando Mendoza was 24/28 for 332 yards and four touchdowns. Indiana football fans were mad that they weren't winning by more. Did Indiana give up enough passing yards to be concerned with playoff implications for the Hoosiers? Northwestern 19, Purdue 0 Northwestern gets one 76 yard scoring drive and that's about all the scoring in this game. Don't let the score fool you into thinking that Northwestern has figured something out.  Notre Dame 34, USC 24 USC takes a 3rd quarter lead followed by Notre Dame getting a kickoff return. Then USC just falls apart in the 4th quarter. This was frustrating to watch as a Michigan fan.  Ohio State 34, Wisconsin 0 134 total yards for Wisconsin and that's generous. Oh god they play Oregon next weekend. Minnesota 24, Nebraska  Dylan Raiola is sacked nine times, that's too many times. Nebraska had just entered the top 25 and has now exited the top 25. A left tackle was ejected for targeting! Shout out to Minnesota fans for really filling the stadium on a Friday night.  Oregon 56, Rutgers 10 14 different Oregon players went for at least 10 yards on a play. Oregon was very upset about their Indiana game. Somehow there wasn't a rutger. Oregon had 233 breakaway yards, Rutgers had 202 total yards.  MUSIC: "Brand New Second Hand"—Peter Tosh "It's Not Easy"—Ofege "Plain as Your Eyes Can See"—Jim Sullivan “Across 110th Street”—JJ Johnson and his Orchestra   

On this week's episode of Next Level CRE, Matt Faircloth interviews Garrett Lynch. They dig into Garrett's early years wholesaling and operating D-class assets, the painful lessons that came with scattered markets and self-management, and how those insights shaped his later success scaling with Nighthawk. Garrett unpacks the COVID boom, the bridge-loan era, and the squeeze from rate hikes, caps, insurance and payroll, then shares pragmatic lender-workout tactics like hard-pay soft-pay structures and reallocating construction budgets. Finally, he explains why he pivoted to become CEO of Clever Investor and how he's bringing multifamily wholesaling and AI-driven education to a broader audience. Garrett LynchCurrent role: CEO, Clever InvestorBased in: Scottsdale, ArizonaSay hi to them at: https://learnfromgarrett.com | YouTube | Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Podcast production done by ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Sponsors We want to thank Underground Printing for starting this and making it possible—stop by and pick up some gear, check them out at ugpmichiganapparel.com, or check out our selection of shirts on the MGoBlogStore.com. And let's not forget our associate sponsors: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklar Brothers, Winewood Organics, Community Pest Solutions, Radecki Oral Surgery, Long Road Distillers, and SignalWire where we are recording this. Featured Musician: Rawhide THE VIDEO: [After THE JUMP: Things discussable.]  --------------------- 1. Washington Preview: Offense starts at noon, we hope Massive respect for their skill positions, not so much their offensive line, which means this game will mostly be a test of whether Wink learned anything from last week, or cares to now that he's put his football career on life support. 2. Washington Preview: Defense starts around 12:15 PM Not the offense. D'Anton Lynn is on the Ravens tree but he's not having the same success, mostly because they can't seem to get the defensive line up to size. Devan Thompkins is 290, Jide Abasiri is 295. Edges were highly ranked (Anthony Lucas was a pre-Elston Michigan target) but sophomore Kameryn Crawford isn't panning out like a top-100 is supposed to. They added Portal #25 Keeshawn Silver from Kentucky and a 5-star freshman, but they haven't changed that math, and are getting pushed around. We do still like Kamari Ramsey, who came with Lynn from UCLA and has been playing nickel this year. Cornerbacks are tall. 3. Hoops and Hockey Check-In starts around 12:30 PM Hockey is off to a hot start after a two-game road sweep of Providence, though having to come back against Robert Morris last night put the first little damper on it. Basketball starts tonight with an exhibition against Cincinnati at Crisler that will be our first look at the transfers. Question #1 is how physical will they be up front, because Cincy has a brawler. Will they try three bigs? 4. USC After Review starts around 1:00 PM I had three RPS-3s, two for screens and one for the Power after the 3rd & 26 and TD, which were both Power, when Wink ran an exotic that had no chance against Power. If they can cut out half of their shit and get their best players (read: seniors like TJ Guy) on the field, they should be able to get righted. Offensively it was a better performance than 13 points. There weren't that many drives, and Bryce struggled. His passes might be flat because he's getting sped up (Gardner has been in that position). Marshall missed two big cuts that Haynes makes. OL was okay; El-Hadi's return wasn't great, there were some mistakes from Guarnera, but USC's defense didn't ask Sprague to do too much and he did well, and Link had MAs but wasn't straight-up beat. Brian doesn't blame Bryce for the interception—once the WR wins inside he's going to win the route—but the throw to Marsh could have put him in the endzone if Bryce is feeling confident in his throw. Maybe give him some max pro to Featured Artist: Rawhide (formerly Girl Fight) Last May someone was carrying a tom into Ziggy's with a bumper sticker that read if "If you don't like Motörhead Fuck you" with American and British flags on it. My one friend snapped a photo and sent it to our group for commentary from the guy who founded (and sold) an MGoBlog-sized site about metal music. This thread of college roommates/bandmates/best friends is like 10% Michigan sports, 20% Xennial parent shit, and 70% music shit, meaning music prompts can result in 42-message threads that the college football guy in the middle of writing a college football preview magazine might not get to until he's trying to clear unread notifications many months later. This is how I found I had missed the group discovering a new genre/EP called Michigan Fuzz Punk by Rawhide, a two-piece (Ellen Cope and Jacob Bloom) Michigan band formerly known as Girl Fight. What I know about them comes from this column. The EP is pay what you may ($13.10 is fair). Anyway this is me talking about Michigan Fuzz Punk, which is both an excellent description of the genre and the EP's title. I am a total tourist in this genre so I'll refrain from talking about it like I know shit about shit, except I'm super intrigued to see what this is actually like live since the recordings only hint at it. I'll say the song Reach Me kicks and it's hilarious that "Greta is a Punk" and "Paige's Song" are the same song. Songs: "Stone Cold" "Reach Me" "Clocked In"        Also because Across 110th Street will get our Youtubes taken down, the opener and outro: “The Employee is Not Afraid”—Bear vs. Shark “Ruska Vodka”—Motorboat

2 hour and 21 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Defense vs USC Starts at 1:00 Seth reads off an ominous message from Brian from earlier last week. USC's success rate was typical of a good offense against a MAC team. This was the dumbest game plan we've ever seen a Michigan defensive coordinator execute. Wink Martindale coaches like he looks down on college and Brian is officially done with him. Is Wink just Charlie Weis?? What happened between The Meeting from last year and this year? Mike McDonald made a lot of the same mistakes in his first four games but he was able to adjust to what was around him, Wink can't change. Would things be better if they fired Wink Martindale and just made Rod Moore the defensive coordinator? His answer to the question "are you spilling or setting the edge" was "it depends on the playcall" which raises a red flag. How much actual player development is being done? They're playing their subs in the first quarter, Brandt had more snaps than Derrick Moore. USC was running a lot of really easy stuff but they may legitimately be one of the best offenses in the country. Why are they subbing so much against such a good offense? His buyout is head coach money to be one of the worst defensive coordinators in the Big Ten. It's not just younger guys making mistakes, it's older guys, too. At some point you gotta think "maybe this is a tunnel screen?" USC had a 66% standard downs success rate.  [The rest of the writeup and the player after THE JUMP]  2. Offense vs USC Starts at 40:07 There was a limited number of drives in part because USC ran the clock a lot. Bryce Underwood just wasn't quite up for it in this one. His deep passes were too flat but he had some good moments too. Denard talked about how in big games we was so amped that he couldn't hit his targets, maybe Bryce is still a little nervous in big games. USC's nickel is nicknamed "the angry giraffe" because he's so tall. Andrew Marsh is getting better rapidly and is becoming the next best option #2, maybe that's why the tight ends got fewer targets. The pieces of a solid offense are there, they're still developing. The tackles weren't getting whipped consistently. Despite the issues, Bryce is developing as expected for a freshman, he has a lot of added pressure when the defense can't stop the opposing offense. Based on limited snaps of Jadyn Davis, maybe you can't run Bryce as much to risk injury. El-Hadi was back and looked fine.  3. Hot Takes, Game Theory, and Special Teams Starts at 1:04:56 Takes hotter than the eternal flame in the Los Angeles Coliseum (which does get put out at the conclusion of the game). The game might've been going a bit fast which caused the false starts. The OPI was a bad call. Michigan drew a holding call!! A lot of extracurriculars went uncalled. Hollenbeck's punting started promising but eventually resulted in a 28 yarder. Do you punt or try for a 60 yard field goal? That two point conversion is apparently the thing you do now? The USC cheerleaders were on the field when Michigan was running a play!  4. Around the Big Ten with Jamie Mac Starts at 128:41 NOTE: This was recorded just before James Franklin was fired. Indiana 30, Oregon 20 This was a defensive masterclass from Indiana. This is how 2023 Michigan would've beaten Oregon. How the hell does Indiana have one of the best defenses in America?? This was really the first game all year where Dante Moore was under pressure and didn't seem to know what to do. Indiana has signs of... a championship winning team?! Penn State 21, Northwestern 22 Drew Allar is out for the season. This wasn't a fluke, Northwestern just outperformed Penn State. Linebacker U has completely fallen apart and Jim Knowles doesn't seem to know how to be aggressive with this roster. Will... Penn State win a Big Ten game?? James Franklin was fired immediately after this recording so there's still speculation on what to do with this situation. The situation at Penn State just seems toxic all around.  UCLA 38, Michigan State 13 Michigan State scores on their first drive and then that's all, folks. October UCLA is the opposite of October Maryland. Michigan State can't move on from John Smith for stability reasons... can they? What do the Spartans do well? What Big Ten teams would swap their QB with Aidan Chiles? Nebraska 34, Maryland 31 Nebraska had control of this game down-to-down but Dylan Raiola threw three interceptions. October Maryland can't get out of their way again. Raiola isn't quite there yet but has a shot at it next year.  Ohio State 34, Illinois 16 Ohio State was never really threatened. Illinois outgains Ohio State 295 to 275 but three of Ohio State's first four drives started in Illinois territory.  Iowa 37, Wisconsin 0 Sim to basketball season. This wasn't even an Iowa offensive explosion, Wisconsin threw two interceptions and lost a fumble. You can't fire Fickell but you also can't afford not to? Washington 38, Rutgers 19 A fun first half but Washington blows the doors open in the second half. Total yards were 590 to 493. Rutgers is 0-3 in the Big Ten but had a halftime lead in each of those games.  Purdue 20, Minnesota 27 Minnesota is outrushed 253 to 30 rushing yards but Purdue throws three interceptions and loses a fumble. If you rewatch this game, we will have to call 911. MUSIC: "Au Pays do Cocaine"—Geese "See You Again"—Tyler the Creator "Havin' or Not"—LaRussell and Lil Jon “Across 110th Street”—JJ Johnson and his Orchestra