Podcasts about Livermore

In this episode of the Strange Motion Way podcast, hosts Tim Strange welcome the Livermore brothers, Dean and Darrell from Hot Rods by Dean. The conversation explores their early influences in the automotive world, their journey into car building, and the importance of mentorship and community in the industry. They share stories about their first cars, entrepreneurial ventures, and the evolution of car building from traditional methods to modern technology. The episode also highlights memorable projects, the impact of the Road Tour experience, and a cautionary tale about a stolen Fairlane. In this engaging conversation, Tim sits down with Dean and Darrell Livermore to discuss scar, the impact of sponsorships, the evolution of road tours, and the generational shifts in car enthusiasm. Dean shares personal stories about his projects, including a unique A-Team van and a gasser he built with the help of industry connections. The discussion also touches on the importance of giving back to the community, the challenges of building and customizing cars, and the vibrant car scene in Sweden. Throughout the conversation, Dean reflects on his journey in the industry, the significance of events, and his aspirations for future builds.

This week on the show we get some words of wisdom from ol' Pep Talk Kilmartin (@anylaurie16). Jackie (@jackiekashian) breaks down when you know a joke so well you can tune out and the mouth keeps talking. Sometimes the set cannot take a left, it cannot take a right, it just goes straight through the light. Subscribe to the podcast, and give it a 5-star rating and review to help the show move up the charts. Video for the episodes is on The Jackie and Laurie YouTube channel! Comic of the Week: Sam Nicoresti @samnicoresti Become a MaxFun Member for benefits and other great pods:https://href.li/?https://maximumfun.org/donate Join our Patreon: https://www.patreon.com/JackieandLaurie Watch the episodes and subscribe here: https://www.youtube.com/@Jackie_Kashian See Laurie on tour: https://lauriekilmartin.com/tour-dates See Jackie on tour: https://jackiekashian.com/tour-dates Watch 'Lauries special “Cis Woke Grief ”Slut on YouTube:https://bit.ly/3zWwgPA Watch Laurie's special “Cis Woke Grief ”Slut on Amazon Prime: https://amzn.to/3NpHlMo Watch 'Jackies special “Looking Back” on YouTube: https://www.youtube.com/watch?v=0ZfwWvgMT70 Follow Laurie on social media: @anylaurie16 Follow Jackie on social media: @jackiekashian Recorded and Produced by Kyle Clark : @kyleclarkisrad MaxFunDrive ends on March 28, 2025! Support our show now and get access to bonus content by becoming a member at maximumfun.org/join.

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

Tabatha Jones spent 20 years in the corporate world which she joined right out of high school. Soon after beginning work in a call center she began to discover her own leadership skills and began forging her own path in the corporate environment. Tabatha found that she could empower others to be better than they thought by providing a natural, honest and positive leadership style.   As Tabatha describes, she learned how to communicate and help connect the C Suite leaders in companies to those they lead. She learned to be a positive conduit to help all parts of companies where she served to learn and grow. She tells us stories about how she thrived as a leader and how she created positive change wherever she worked. She provides us with some really good leadership tips.   While Tabatha says her programs today are mainly to help women who more often do not have the confidence to lead, she states emphatically that her teachings do help men as well and she has male clients to prove it.   As Tabatha says, while she was a corporate leader for many years, she also used that time to coach and help others to learn leadership skills. Seven years ago Tabatha decided to leave working for others to form her own coaching firm, Empowered Leadership Coaching, LLC. She helps people learn how they can positively grow and advance in their own careers.   I very much enjoyed this episode and found that Tabatha and I have a lot of leadership views in common. For example, we discuss trust and the need for real trust in work environments. She tells a story about a mistake she made as a leader and how she dealt with it to keep the trust of all persons involved. I think you have a lot to gain from Tabatha. At the end of this episode she tells us how to get a free eBook that provides invaluable lessons to help you in your own efforts to rise in the work world.       About the Guest:   Tabatha Jones is the CEO of Empowered Leadership Coaching, LLC, a Career Advancement & Leadership Coach, author, and keynote speaker based in the SF Bay Area, working with clients nationwide. With over 20 years of experience leading high-performing technical teams in Corporate America, she transitioned into coaching at the age of 50, driven by her passion for helping women break through career barriers and achieve leadership success. Tabatha specializes in working with ambitious Gen-X women who are ready to stop playing small and make the next years the most impactful of their careers. Through her personalized coaching programs, she empowers her clients to develop strategic career plans, build unshakable confidence, elevate their visibility, and secure significant promotions. Her clients, including leaders at companies like Comcast, Cisco, Abbvie, PG&E, and Tyson, have successfully climbed the corporate ladder, developed standout leadership skills, and positioned themselves as top candidates for advancement. As a sought-after keynote speaker, Tabatha inspires audiences with actionable insights on leadership, career advancement, and empowerment. She is also the author of Promotion Ready in 3 Months: The Women's Guide to Career Advancement, available on Amazon.   Ways to connect Tabatha:   Website: https://www.empowered-leader.com/   Connect with me on Linkedin: https://www.linkedin.com/in/tabatha-jones-4485854/   Grab a Free Resource: GenX Promotion Planning Assessment: https://www.empowered-leader.com/promotionassessment   Purchase a copy of my book on Amazon: https://a.co/d/gpoqjNw   About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/   https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes:   Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:20 Well, hi everyone, and welcome to another edition, an exciting edition of unstoppable mindset where inclusion, diversity and the unexpected meet, and the unexpected is everything that doesn't have anything to do with inclusion or diversity, which is most things, according to my diversity friends, but that's okay, our guest today. How do I do this? Okay, I'll just be up front. As many of you know, I use a screen reader, which is a piece of software to verbalize whatever comes across the screen. And when my screen reader finds my guest today's name, it pronounces it Tabatha. Don't you like that? Of course, it's Tabitha, but Tabata, so, so Tabitha. Tabatha Jones, welcome you to unstoppable mindset. We're glad you're here.   Tabatha Jones ** 02:09 Oh, thank you so much for having me here. And Tabatha sounds fairly International, and maybe I'll take it, yeah,   Michael Hingson ** 02:16 well, you can have it. It's yours. I don't think that the screen reader will mind a whole lot. But But what we're glad you're here now. I met Tabitha, as I have mentioned in the past with others, through an event that I attend, pada palooza. And Tabitha and I were both at the most recent pot of palooza. So what took you there? Are you starting a podcast, or are you just wanting to be interviewed by podcasters, or do you already have a podcast and you've done 1000s of episodes already?   Tabatha Jones ** 02:46 Well, I haven't done 1000s of episodes. I'm a fairly new podcaster. I've launched my own it's called the Gen X, free mix life, laughs and next acts. I think we're at about Episode 11. I was actually really interested in joining pada palusa to meet other podcasters. Here's some success stories and learn some great tips and tricks as I'm continuing to build mine out and and engage my audience well. So if there's   Michael Hingson ** 03:11 any way I can help, you, just need to shout out and glad to do it. And if you ever need a guest, and if I can fit the mold, I'm also glad to do that. It's always fun to to be a guest. When people want to come on unstoppable mindset, and I discover that they have a podcast, I always tell them, Well, you know, and many of them say, Well, do you charge for guests? And I say, Yes, I do. The charges you have to let me be a guest on your podcast, or if I go on to their podcast. I say I charge for that, and the charges that you have to come on my cop podcast to be a guest. So it works out.   Tabatha Jones ** 03:47 It's a fantastic tip. I'm taking that down and definitely having you on the podcast. Oh my gosh, yeah, that'd be fun.   Michael Hingson ** 03:53 Well, it it is cute. Actually, last week of a couple in Australia, a couple people emailed me and they they want to come on unstoppable mindset. And I was glad to do that. And they said, you know, but, but what's your charge? And I said, Well, I know you have a podcast. I have to be on yours. They said, Oh, we can, we can pay that. So it's fine. It is. You know, podcasting is so, so much fun. I did radio for years at the University of California at Irvine, and I like radio. Radio is a wonderful thing, but you're more structured because you have a limited amount of time. You've got to do certain things, you've got commercials you got to do, and sponsors that you have to satisfy, and some of that can happen with the podcast, but it's still not nearly as rigid, which makes it a lot of fun.   Tabatha Jones ** 04:45 Yeah, absolutely. And there's so much variety out there. One of the coolest things for me about starting a podcast is it's led me to so many other podcast shows that I had never listened to before, yours included. So now I think I'm following maybe. 30 to 40 different shows that I hadn't heard of until very recently, I'd say, probably the last six to eight months, and I'm loving it. I learned something new every single day. I learned something about someone's experience that leads me to check more into what they've shared. And it's really been fun. It's been a much more fun adventure for me than the social media that I was kind of, kind of dabbling in a little bit, but podcasts, it's just so much more personal and fun. It   Michael Hingson ** 05:27 is. It's much more connectional. And social media is just so impersonal, and people spend so much time doing it, and I'm amazed at some of the people who spend so many hours on it. I could, I don't do a lot of stuff on social media. I will post things occasionally, and I'm amazed at how fast some people, as soon as they as soon as I post, within minutes, they're responding to it. And I'm going, how do you do that? But anyway, it's people focus on that. But it's so impersonal compared to doing things like podcasting, because you do get to know people. You get to learn about people. And as I tell people constantly, if I'm not learning at least as much as anybody else who listens to this podcast, then I'm not doing my job well, which is kind of the way I look at it. And I always like to learn things from everyone who comes on and who I get to interact with because of the podcast.   Tabatha Jones ** 06:21 Yeah, so much fun. It is. You know, one of the things when we met that really connected me to you was just your story and sharing your author journey on top of it. So, yeah, you're kind of stuck with me in your fan club for a little bit following   Michael Hingson ** 06:40 you Well, thank you. And it is, it is fun to do that and following you back. It's, it's a lot of fun. And as I said, I enjoy getting to know people and connecting and learning which is cool, and to introduce you a little bit more to people, and I'll get to letting you do some of that too. But Tabitha is the CEO of empowered leadership coaching LLC, which is obviously a coaching organization, and you started doing that when you were 50. Of course I could, I could, circuitously get to and and how long ago was that, which would then tell us your age, but I won't that's   Tabatha Jones ** 07:25 all right. As a career advancement coach, I tell people all the time, don't put those long dates on your resume. People will start guessing your age, and then we've got another whole situation. I think the good thing with coaching is age and experience go together, and people see that a little bit differently, which has been fun. Yeah, I left it, you know, corporate at 50, and started my own business. I had been doing it on the side, but now I get to do it every day, and it's so   Michael Hingson ** 07:50 much fun. Well, seriously, how long have you been doing it?   Tabatha Jones ** 07:54 You know, for officially. Oh, I gotta do math. 2017. Is when I started. So,   Michael Hingson ** 08:01 oh, okay, well, there you go. So, 10 years, okay, yeah, and then   Tabatha Jones ** 08:04 I had been doing it as part of my job for more than 20 years. So as a leader in corporate, more than 20 years of coaching experience came from that sure   Michael Hingson ** 08:13 when you've got seven years of official long term, real life, constant experience, which is, which is great too. Well, tell us about the early Tabitha growing up and some of those kinds of things that would get us to know you better.   Tabatha Jones ** 08:28 Well, I grew up in a little town called Livermore. It's not so little anymore out here in California, in the East Bay, I am the oldest of four, and you   Michael Hingson ** 08:37 were never irradiated by the the accelerators, or any of the things that Livermore Labs.   Tabatha Jones ** 08:41 No, there was so much Hush, hush, secret stuff going on out there. But, you know, it was always very cool. They had a swimming pool you could go swim at. I think it was 75 cents to go swim for the whole day at the pool. And, you know, as a grown up, I'm all, should we really have been swimming there? I don't   Michael Hingson ** 08:58 know. Oh, it was safe. Well, it was absolutely Were you ever there after dark? No, so you don't know whether anything glowed in the dark or not. So you didn't probably you were safe.   Tabatha Jones ** 09:07 Probably safe. Yeah, nope. Genetics kids, when the street lights came on, we went home.   Michael Hingson ** 09:11 There you go. But anyway, so Livermore, yeah,   Tabatha Jones ** 09:15 Livermore, and then let's see. So I finished high school. Didn't really know what I was going to do. I stuck a little toe in the telecommunications industry at AT and T and got a job there right out of high school, answering phones and learning all kinds of great things. Did a lot of growing up in that space. Gosh, it was a it was an interesting journey. I actually was sitting in a call center taking phone calls during the 1989 earthquake, which, oh, boy, you may remember, right? I know I was training somebody, and I just looked at the person. I said, we're gonna hang up and go under the desk. That's what we're doing. And that was the day before my birthday. So I got my birthday off that year, which. You know, as they planned   10:00 out very well,   Tabatha Jones ** 10:02 yeah. But terrible, terrible, tragic earthquake, unfortunately. But, you know, I do just kind of try to make a little lighter of it with that. You know, the birthday off, but it is. It was an interesting time, for sure. I lived   Michael Hingson ** 10:16 in Vista, California at the time. Well, actually, I take it back. I lived in Mission Viejo. We hadn't moved to VISTA yet, although I had a job in Carlsbad, and I remember coming out to get on a bus to go from Carlsbad back up to Mission Viejo. And I was going to listen to the World Series, and it wasn't on, and it took me about 15 minutes before, I finally found a radio station that announced that there had been an earthquake. And then we got home, and then we started. We just Karen was was at home, and we just started watching it on TV, and they had all the the live shots and all that, and the freeway collapse and so on. It was, needless to say, quite the event. Karen and I survived. We were in, not married yet in, well, 19, whatever that would have been, 69 or 70 or 71 the Sylmar quake. I don't think it was in 74 I think it was earlier than that. But there was a big earthquake up in Sylmar, and we felt it at UC Irvine, and then we had the Whittier Narrows and Northridge quakes, so we felt those as well. But yeah, that had to be pretty rough in 89 for all of you up there.   Tabatha Jones ** 11:38 Yeah, it was pretty, pretty interesting. You know, from that point, you know, I just was training somebody as I as I mentioned, and, you know, we, we took that next day and couple of days kind of getting things together, working through the call center, handling a lot of emergency calls and things that were going on. And I'd say that's probably the first time I felt that call to leadership, you know, and realized I wanted to do more than being a call center, answering phones. There's nothing wrong with that, but for me, it wasn't the end all. And I started working on mapping out, how am I going to build my career here? Managed to advance a couple of times, and then went through a major layoff. So AT and T we all know, went through a lot of change over the years, but in the 80s and early 90s, there was a lot. So I did a couple of different things in between, and then one day, I walked into what was the Viacom cable office and decided I'm going to apply for a job here. It's just six months for experience, and we'll see where it goes. I fell in love with the cable industry. As weird as it sounds, I loved it, so I worked up really quickly into a lead role, and then started shifting into technology, which is where I spent most of my career, leading those technical teams and just really loving it. But yeah, yeah, that's kind of the journey from the early life into the career side of things. But   Michael Hingson ** 13:05 what kind of things did you do in as a leader for Viacom?   Tabatha Jones ** 13:09 So Viacom was where you in, went through. So I was in the call center. Initially became a lead there, moved into credit and collections and learned everything there was to learn there. It wasn't really my jam, but it was a great place to be. And then I moved into the Information Services Department, and you probably remember this back in the day of punching down phone lines in the little box, in different I don't know if you ever did that, but yeah, soldering cat five lines, crawling under desk, climbing up ladders, doing all those things. So that was early. It days before the internet. Still, I think crazy to say,   Michael Hingson ** 13:48 so did you do that? Or did you lead people who did that? So I   Tabatha Jones ** 13:52 did that early on. I learned everything I could in that department. I learned how to print reports. I knew learned how to compile data. I learned how to code the billing system, moved into project management from there, still on the information services side, and led some really huge projects through that time. We went through three companies. We landed at Comcast. That was where I was for the longest, but never really left, you know, my role, and just fell in love with the technology, because it changes all the time. It's never the same day twice. I loved working with technical people, and learned really quickly that one of my gifts was being able to translate between the Technical Suite and the C suite. So taking those great ideas and going and securing the budget or coming in with here's what the leadership team is thinking. Here's how I think we can do it. What are your thoughts and being able to translate and move things forward really fast. That's where I joined the leadership team and stayed, and I loved it. Climbing the ladder at Comcast was a lot of fun for me. Yeah. Do   Michael Hingson ** 15:00 you think that really taking the time to get that technical knowledge and learn those various jobs, even though you necessarily didn't do them all the time, but learning how to do those jobs? Do you think that was a valuable thing for you, looking back on it now,   Tabatha Jones ** 15:19 yeah, I do in some ways. And I spoke at a women in telecom sorry, it's women in tech and telecom seminar a few years back. And one of the things that we know is women don't advance as quickly into technical leadership roles, and being able to say in that room, leadership is not a technical skill. Just let the light bulbs off for people, because we hold ourselves back. And it's not just women, but it definitely happens in the female space, where we will hold ourselves back. Oh, I'm not technical enough, oh, I don't know enough. Oh, I can't code Python. It. It doesn't always matter for me, having the basis helped because I understood the work the team was doing. I understood quicker ways to do things. I had done them myself the hard way, but it gave me a little bit more, I'd say, street cred with the team, not that they ever expected me to code a macro or build an automation program, but because I could come and speak to them in a language that made sense, then they could go build the thing and do their jobs. So I do think it helped. It helped give me really great insight to what could be and let us really drive innovation quickly, which was super fun. I   Michael Hingson ** 16:41 agree with you on that I felt in everything that I did as a as a leader, working in a variety of different kinds of roles, I felt it necessary to learn the things that the people who worked for me and with me did because at least I could then articulate them. I could talk about them. I didn't necessarily have to do them all the time, and there were some things that I wasn't going to be able to do, for example, for four years or three and a half years, four I owned a company that sold PC based CAD systems to architects, computer aided design systems, for those who don't know, to architects and engineers and so on. And they were some of the early PC based CAD systems. We started in 1985 doing that. And needless to say, that was and and still is very much a highly graphic environment. And that isn't something that I'm going to be able to sit down in front of a computer terminal and do, because the technology, even today, doesn't exist to describe all of that information for me, so that I have access to it as quickly and as efficiently as a person who can see but even though I wouldn't be able to run a CAD system, I knew how to do it. So I could then sit down with an architect in front of a machine and ask them what they wanted to do, and then described them what they needed to do to make it happen. So I actually made them part of the process of showing themselves how the cast system worked by them actually working it. Now I also have people who work for me, but I did know how to do that, and I think that was extremely important. And I've always felt that having that knowledge is is helpful. I do tend to be very technical. I've got a master's degree in physics and so on. And I I think that having that technical knowledge is kind of part of the way I operate, which is fine, but still, I think that having that technical knowledge, really, even if it's only to be able to talk about it at the right times, was a very helpful thing and made me a better leader.   Tabatha Jones ** 18:59 Yeah, absolutely would agree with that, and understanding just the basics of what can and can't be done, or, you know, what my limitations were, and being vulnerable with going back to my team and saying, This is as far as I know how to take it. I need you to walk me through what the next steps are, or what your ideas are, or what your thoughts are. And I had a wonderful team. I'd say one of the benefits of not being the most technical person on the team is then I'm not seen as someone who's micromanaging. I'm not seen as someone who has all the answers. And for my teams, that worked out great because they loved showing their innovation. They loved showing ideas and bringing new technology, tools and things to the forefront, which made it a lot more fun for them, too. And I'd say one of the coolest things I did with my team was I was given, you know, in corporate world, you're sometimes gifted new responsibilities, and one of the new responsibilities. I was gifted with, was creating a quality control team, and this team was going to validate all of the data that the Information Services coding team was developing in the billing system. And it was needed the error rate, I mean, the accuracy rate, rather, was only about 70 ish percent. Wow. So it needed to change. It was impacting our frontline, impacting our techs. It was causing revenue gaps, right, customer experience problems. The vision that was given to me is we want you to hire three people, and they're going to manually validate this data all day long, and me being a hybrid technical people person said, Hold the phone. We're not doing that. So I went and hired someone who was an expert at SQL and Tableau. We then hired someone who was an expert at Quality Assurance, because that's what she had been doing in the call center, was validating orders and making sure the billing their statements were going out correct. So she had the manual aspect. And then we hired a third person who wasn't quite as technical as the first, but definitely a really good balance between the two and between the three of them and their ideas and their skills, and then my abilities as a leader to guide them through. You know, this is what we need. This is the vision. This is the budget, this is the the outcome that we want to get to. We were able to build something that was automated, that drove accuracy up to 98.1% Wow, and it's probably better today, but it's just because that the ability to see people who can bring in the best parts of their knowledge and then work together to build something. That's what helps technology advance so much faster.   Michael Hingson ** 21:44 Yeah, but it's but it's important to be able to do that. And you you learn to have the vision, or innately, you have the vision to to bring that about. And it sounds to me like all of the people that that you were leading really respected you, because you were, first of all, you were not a threat to them, and you clearly showed an interest in what they did, and you loved to hear them talk about it, because that taught you things that you didn't know   Tabatha Jones ** 22:17 exactly, oh my gosh, and they were great about what I'd say is dumbing things down. I'd sit there sometimes and would be listening to somebody, an analyst, who was excited and explaining all these great things they were doing. And finally, my face would say, okay, hold the phone. We need to step back just a teeny bit. I needed to bring it down, maybe just a little bit more. And once I got it, then everybody would be just jazzed and so excited and out to share, and, you know, made sure that they were getting to do part of the presenting when it went to higher levels, so that they could get credit and feel that value, which is so, so critical to help, you know, just boost that morale and keep inspiring people.   Michael Hingson ** 22:53 The other part of that, though, is you are also teaching them some probably sorely needed communication skills, because they're used to just talking very technical, and they're used to just talking to each other, and everybody gets it right away. But the reality is that I would think that they came to realize, well, maybe we need to present it in a little bit different way, because not everybody looks at it the way we do   Tabatha Jones ** 23:21 exactly that's where a lot of coaching came in and helping people work together better in the communication space, and then bringing it forward in a way that people understood. We did a really cool program. It was called insights. It exists out there, and there are people who are certified to administer it, but it basically is a personality assessment based on colors. So red, yellow, blue, green, and blue is generally your very technical, more introverted detail specific people. The Office of that is yellow, and I am very high yellow, which is your, include me. Bring me in. Let's have a party. Let's talk about it. So it was good for me, because it caused me to bring that yellow energy down a bit, which kept the, you know, the conversations going and the conversations open, and they learned to elevate that yellow energy a little bit so we could meet in the middle really well. And some of them had different, you know, red or green in there. But it was really interesting to be leading a team with such opposite energy. From that perspective,   Michael Hingson ** 24:27 did you ever find people who just resisted learning to meet in the middle or learning to do some of the things that you really wanted them to do, and they just didn't want to do that at all?   Tabatha Jones ** 24:41 Oh yes, yes, there were a couple, and that required more coaching, right? So one who had been used to working in a very specific way before we were reorganized and he was moved under me, it took multiple times and finally, a mild threat to. Get him to come forward and come on board with the new process, because sometimes it's really easy to stick in doing things the old way. He had been doing it for 1520, years. And I joke when I say threats. I don't threaten people, but you know, it was kind of a I need you to come up with the rest of the team. Here's what you're doing and how it's impacting the team, and even though it feels like it's making your customer happy in the long run, it's not because they're going to have to work with other people, and we need to make sure that they understand that this has changed, and then another who was more my way or the highway, and that took, you know, again, a bit of coaching. So his leader worked for me, and so his leader and I would come up with different plans and different strategies to put him in positions where he had to stay a little bit more quiet and let the team members bring forward their ideas. And rather than him jumping to a no, it was, we want you to start asking these three questions, and, you know, whatever the questions were to get the conversation going, and then the light bulb started going off for him. Like, wow. Some of these individuals have definitely had different training on, you know, whatever type of technology it is that makes perfect sense. What if we combine this so he was able to actually help us bring out the best in everyone, once he took that step back and really started listening and getting a bit more curious.   Michael Hingson ** 26:30 Well, that that's, you know, of course, a wonderful skill to have, because people need to recognize that not everybody is where they are   Tabatha Jones ** 26:42 exactly. It's true. And you know, I kind of think back when we were talking about the leadership aspect and leading technical teams, I coach a lot of people on interview skills and helping them present their best selves for the job that they're interviewing for. And one thing that seems to be a habit for people who are very technical and are also leaders is deferring so much their technical skills, and it's good, but you've got to have that balance. When you're applying for a leadership role, what happens that is very disappointing, is they'll be told, Well, we're not really seeing your leadership skills or your leadership qualities or not feeling like you're a good fit with this team. Usually, when a company is hiring a technical people leader, they want to know you can lead people, because not everybody can do both,   Michael Hingson ** 27:40 right, or they haven't learned how to   Tabatha Jones ** 27:43 right. It's true. Not everybody wants to. Sometimes they think they do because it's the next logical step, but sometimes people are just really happy being hands on others. To your point, you can learn. You can step into maybe a lead role, and start learning how to let go of some things and and get more comfortable with not being the smartest person in the room, because once you're the leader, you've got to have that balance and, and it's a learning a learning curve, for sure,   Michael Hingson ** 28:09 yeah. And unfortunately, there are way too many people, certainly, a lot of them are technical who think they're the smartest person in the room, whether they are not, and then some of them are. But still, that's not always the solution to making things work, especially if you're working in a team.   Tabatha Jones ** 28:29 Absolutely, yeah, it's all about the team. And it can't be. They always say there's no me and team. But technically, if you rearrange the letters there, kind of is that's maybe snow i Maybe it's No, I in team. No, I in team.   Michael Hingson ** 28:43 Yeah, there's no i That's true. But you know, one of my favorite books I enjoy reading it often, is actually the Five Dysfunctions of a Team by Patrick Lencioni. Have you ever read that?   Tabatha Jones ** 28:55 I have not read that. I am aware of it. I have not bought it yet. It's a   Michael Hingson ** 29:00 short book, relatively speaking, but it's great because it really puts teamwork in perspective, and it really defines what should happen in a well functioning team, including the fact that members of the team can hold each other accountable when the team is comfortable with each other. And then, of course, it's all the team leader who has to really bring people together and meld the team into a cohesive working group. But the good team leaders can do that and understand what their role has to be in getting everybody to operate at peak performance.   Tabatha Jones ** 29:39 Love that. I will get that back on my list. Radical candor is kind of similar, as far as you know, being able to say what needs to be said and feeling like you're in a safe space to say it. Yeah, that's one of the things that I always found a little, I guess, frightening as a leader, is when I would talk to another leader and say, What feedback have you given this person? Well. Feedback is so negative, like no feedback given with love is there with the intention of helping the person grow and do better and understand what they're doing really well so they can keep doing that. So yeah, being able to let the team members or ask the team members hold each other accountable, be honest with each other, this isn't about feelings. This is about respect, and sometimes it's a hard conversation. It's really crunchy and uncomfortable. But once it happens, the trust that is built is it's unstoppable, well,   Michael Hingson ** 30:30 but feedback can also be a very positive thing. And it can be that you're doing a great job. Here's what you're doing. It isn't necessarily but you're not doing this right? It, it can be exactly a very positive thing. And there, there are certainly times that we all like to get that as well.   Tabatha Jones ** 30:47 Absolutely feedback is my favorite F word. I always say it is just, it's so important. And I've worked with people who have said, you know, I can't get feedback from my boss. I said, Well, what do you mean? And they said, Well, he All he says is just, you're doing a good job. Keep doing that. Yeah. Well, what specifically am i doing that's a good job. So feedback in itself is a skill, both giving it in a positive way and giving it in a constructive way. But all feedback is good when it's given with the right intention and it's given with, you know, just honesty and love. And   Michael Hingson ** 31:20 there's a skill in receiving feedback too and recognizing if you trust the feedback, the feeder backer, if you trust the person giving you the feedback, then you know that they're not out to get you. Yeah. And that's part of it is breaking through the usual shell that most of us probably a build up. Well, that person has some sort of alternative agenda they're out to get me. And that isn't always the case. And, oh, absolutely, unfortunately, sometimes it is, but it doesn't necessarily mean it always is. Yeah, I agree.   Tabatha Jones ** 31:54 You know, if you think back to feedback that you've been given throughout your life, is there a piece of feedback that you were given that really changed the way you do things. Yeah,   Michael Hingson ** 32:06 I can think of some, and I think that most of us can, because the people giving us the feedback were concerned about trying to help and concerned to try to get us to hear what others in the world are are saying or thinking. And if we take that to heart, that can be a very positive thing.   Tabatha Jones ** 32:32 Yeah, absolutely. One of the biggest foundations for me as a leader is trust and trust with my team, both going both directions to them, from me and from them to to from me to them, and from them to me. So complete trust. It's so important. And you know, knowing that I've had employees come and give me feedback, and it doesn't matter what level I was at or what level they were at, once, I knew that they were comfortable giving me feedback. I knew our relationship was strong, yeah, and, you know, I've had people come and say, I didn't really like the way that you said that. It would have been more impactful if you had done this. I've had clients come and say, you know, when you said that, I really reflected on it. And maybe we're not in the same spot. So let me say this again and see if you can, you can address it a different way. Great. If we don't have trust, we're not going to go anywhere. So it's such an important piece of of building trust. In   Michael Hingson ** 33:26 my new book, live like a guide dog, true stories from a blind man and his dog about being brave, overcoming adversity and moving forward in faith. Long title, well at the end, the subtitle, but one of the things that I talk about is that I've learned a lot of lessons about dealing with fear and dealing with people from my dogs, because dogs do things differently than we do and don't have any near, anywhere near the stress that We do. For example, dogs are, I think, creatures that do love unconditionally, but they don't trust unconditionally. What dogs do, however, is that they tend to be less something is really hurt a dog. They tend to be more open to trust, and they want to build a trusting relationship with us if we're open to it, because they are, and when we recognize that and we truly build the trusting relationship, it's second to none. So then you've got the love part that is there, but the trusting part, it's a whole different story. And I know that when I start working with every guide dog and people say, Oh, how long does it take to really get used to a dog? My response is, it takes roughly a year. Because it takes a long time for both sides of the team to truly recognize and have enough confidence in the other that they have that trust that they need to have.   Tabatha Jones ** 34:59 Yeah. Dogs are so much better than people. I will tell you their behavior is so much better, but I get that and you know someone who adopted my last two dogs. One was three years old when I got her from the pound, and she lived to be 15, and my other one is she's eight. I got her when she was three from someone that was re homing her. But they do. They they teach you that I can love you, but I don't know that I trust you yet. I've got to build this up like I will lick you and throw a party when you come home, but don't be trying to pick me up yet. We're not there. Yeah. So, you know, I can imagine, with a guide dog, it's even more elevated, and I can't write to read your that book, because I just finished underdog. I did. I don't know why the name just went blank. I posted it on my Facebook and Instagram. I was so excited, but yeah, oh my gosh. I can't wait to read the new one. If you   Michael Hingson ** 35:48 get a chance with both of them, go review them at Amazon. So lovely. Get a we always appreciate reviews. So Amazon and Goodreads are the best places to go to go do reviews, and they're very helpful. But when you read, live like a guide dog, love to get your thoughts, and you're welcome to email me and love to chat about it as well. But you're right that there are so many things about dogs that really teach us a lot. One of my favorite things that I talk about a lot, and we deal with it and live like a guide dog is we, as people tend to what if everything to death. We What if everything well, what if this? What if that? And the reality is, most of the things that we're dealing with, what if about are things over which we have absolutely no control, and all we're doing is building up our own internal Sears, and we need to learn to get away from that. If we could just learn to focus on the things that we have control over and not worry about the rest. And of course, people will say, Well, but, but all this stuff is going on we gotta worry about. No, you don't. You can be aware of it without worrying about it. You can be aware of it without it interfering with your life. But you have control over that, but there are so many things in your life that you don't have control over. And my, my premier example of that, of course, is the World Trade Center. I am not convinced that all of the government departments working together would have been able to figure out what was happening and stop the attacks from half from occurring. But the result of that is, of course, that we had no control over the events occurring. What we absolutely have total control over is how we individually choose to deal with those events and how we choose to move forward.   Tabatha Jones ** 37:36 Yeah, absolutely, oh my gosh, it's so powerful and so true. And I'd say too with dogs is they don't let that little thing that bothered them four hours ago eat them up, or four days ago or four months ago. They don't generally hold a grudge unless something was pretty atrocious, where we will ruminate on a story or a conversation over and over and over again, sometimes it's just solved by a simple Hey, what did you mean when you said that? Or we'll just go and keep thinking about it and keep thinking about it. Dogs moved on. They're like, I've already had my snack in my walk, like we're good again. There's no grudge, there's no past concern, or I made a mistake this day. I'm never gonna cross that line again, because, you know, I did this thing, but humans are so are just wired so differently, just from, I'm sure, our life lessons and all the things that we've been through. But if we could live a little more like a dog, that would be kind of amazing. That guide dogs specifically,   Michael Hingson ** 38:35 I agree. And you know, the reality is that dogs do make mistakes, and one of the things that we learned to put it in terms of what we're talking about today, one of the things that we learn as guide dog handlers is how to give appropriate feedback, and that process has changed over the years, so now it's a much more positive process. We don't tend to yell at dogs, we don't tend to try to give sharp leash corrections, but rather, when they do it right, that's the time to truly reinforce it and say, what a good job you did it. And if you're training a dog to do a new thing or give them a new skill, reinforcing the time that they succeed is so much more powerful than ever saying you didn't do that right? And I think that's as true for humans as it is for dogs, but humans just don't tend to for all the reasons that you said, Trust like, like, maybe they should, but we always think that everybody has a hidden agenda, which is unfortunate, because we don't always necessarily have a hidden agenda. And even if we do, and if you feel like you can't trust me because you think I have a hidden agenda, you can always ask me about it, or you should, and that's something we just tend not to feel that much that we can do, because those aren't skills that we're taught when we're growing up.   Tabatha Jones ** 39:56 Yeah, it's very true, and you. Know when you mentioned the mistakes even thinking about that from a leadership perspective. When I first started leading in my last team, we had reorganized into a corporate structure, so I had new employees sitting across 40 some odd states. It was a big a big reorg, and I would be talking to people about different things. And I said, Well, why did you, you know, why did you do it this way? Oh, well, I realized I made a mistake, so I didn't want to get in trouble. So I thought if I went and I did this, then that would I'm like, wait a minute, stop. Let's let's pause, let's go back to get in trouble. Tell me about that. And I would hear, and I heard it from multiple people across the team that there was such a level of fear over making a mistake. And I said, you know, you're not coming to work with somebody's heart transplant in an ice chest, like, if you make a mistake, nobody's gonna die. Yeah, somebody's gonna get a little maybe mad because we're gonna hit a little bit of a revenue hiccup, or maybe have to send an apology notice to some customers that have a mistake on their bill. But nothing's that big that we can't learn from it, fix it correctly and make sure it doesn't happen again. And that was a huge shift, and that's something you know, where a dog will make a mistake they get through the correction to your point, positive reinforcement. We've got jerky treats, kind of redirect. If people only could take a jerky treat, that'd be great, but they don't. But you know, when a mistake happens, teaching people, teaching our kids, like it's okay to make a mistake, but let's talk about what we learned from it. Make a plan to do better, and figure out how we just don't let that happen again, and then if it happens again, okay, let's have a different conversation. What? What did you notice? Did we miss something in the process? Less last time? Let's fix that, and then let's take the next steps forward, and let's go back and present to the team how we can improve this process and what we've learned from this mistake, like we can make it positive and as leaders, we can help our employees go faster. We can help our dogs learn faster. Can help our kids learn faster by just being a leader and managing mistakes correctly.   Michael Hingson ** 42:06 How do we get that process kind of more into the mainstream of society? How do we get people to recognize that it's okay when you make a mistake, we'll fix it and really give them and teach people to give the positive reinforcement that we need to do. Because I think it's, it's very true. We don't teach it.   Tabatha Jones ** 42:27 We don't teach it. I feel like younger parents that I'm seeing, in some ways, are getting there, you know, I remember back in the day when we would accidentally break something, or, you know, be roughhousing a little, and the glass would get knocked off the counter, and it was a huge thing, right? You're going to clean it up. You're going to go to your room. You're going to stop playing around in the house. And, you know, with my son, I know when He would break something and be like, Hey, let's clean this up. I need you to be more careful. You know, it's not you need to go sit in your room. You made a mistake. It's okay. And I see the difference in myself. Still, when I make a mistake, I beat myself up when he makes a mistake, he cleans it up and moves forward. So it's definitely happening through parenting and the way that we handle it as parents. We have that great opportunity as leaders once adults are full grown and in the workforce and still have those tendencies of fear and oh my gosh, I need to cover it up, teaching them, I had a situation where I made a mistake, shocking. I know I made a mistake, just kidding. I do it all the time, but I had made a mistake with some data that I collected from my team, I'd had individual skip level meetings, and decided kept all the notes in a spreadsheet, and I had told the team as I spoke with them. Whatever you tell me, it's in confidence. I'm taking themes of the conversation and I'll present it back to your leaders. They're not going to have names. We're not going to know who said what. That's not what this is about. It's about me helping drive improvements through my leadership team so that it's better for you. And they were really open, and it was amazing. It was such a gift to have that trust from the team. Well, I went and took my compilations, put all my notes together on a spreadsheet, sent it to my leadership team, and never took off the original notes. And I was like, shoot, now, what do I do? So I asked a peer. I said, Hey, this is what I did. What would you do? And she said, Well, I would tell my leaders, they need to be leaders, and they need to keep it confidential. And I was like, oh, not good enough. I'm not doing that. So I thought about it, yeah. And I said, You know what? This is a teachable moment. This is the opportunity I've been given to practice what I preach. So I pulled my entire team, 50 some odd people on the phone, on a teams call. So we were on camera, and I said, I need to talk to you about something. And I said, I made a mistake, and because of that mistake, I have let you down, and I've broken my word. And I explained what I did. I explained, you know, I got really excited by the information, because I saw things we could do, which then led me to moving way too fast, and I completely sent your comment. Comments with your names to your leaders, and I apologize. And going forward, when I take data and information from you, I will be learning from this mistake. I will keep two separate spreadsheets. I will not be, you know, just adding to the individual spreadsheet, I will quality control, check it before I send it out, and I will make sure that I do better. And I just ask that you forget me. On this one, I got so many texts and emails and instant messages that just said, Thank you so much, and someone that said, thank you, it helps to see that a leader owned up to a mistake, and I'm like, that's that was a teachable moment so nobody died. I didn't lose a heart. I broke a little confidence and a little trust. But we can fix things, and that's how,   Michael Hingson ** 45:46 yeah, and, and that makes a lot of sense, and we, we just tend to, oftentimes do knee jerk reactions. I was sitting here thinking about sometime after we moved to New Jersey in 1996 my wife and I were in our living room, and I don't remember what was going on. We were having a great time, and we each had, each had a glass of champagne, and my fourth guide dog, Lenny, was with us. And Lenny, like any good lab has a tail that never stops. And Karen, I think it was Karen, I don't even remember, sure. I think it was. Had put her glass down on the coffee table, and tail hit glass, glass, which was crystal, went all over floor, hardwood floor, you know, and I can think of so many people who would blame the dog. And actually, I think Lenny blamed herself for a little while, and we kept saying it wasn't your fault we screwed up. And eventually, you know, she well within, within an hour, she was mostly Okay, but, but the bottom line is that she, she, she knew that something happened, but it wasn't her fault, and it is important to own up to to things and and as I said, I think it was Karen, because I think Karen said I should never have put my glass down, or I should have put it back further away from her tail, because she was So excited. You know those   Tabatha Jones ** 47:21 tails, lab tails are crazy things, yeah, oh my gosh, right, but Lenny didn't stop wagging her tail because of that little mistake, right? It's something that Karen was able to own up to. You two were able to clean it up, and then Lenny was able to go on and keep wagging her tail. Everyone's being more careful. Now,   Michael Hingson ** 47:39 what's really funny is that, because it was a hardwood floor and crystal, there were her pieces that we found days later, but   Tabatha Jones ** 47:47 really years later, oh my gosh. But   Michael Hingson ** 47:50 you know what Lenny was? Was, was a cutie, and Lenny was the, probably the most empathetic dog that I've ever had. We had a pastor, and we had who we had come to know, and we were at a party, and she was at this party, and she came up to us and she said, we let Lenny visit everybody, but we just let her loose. Um, Lenny is the most empathetic dog I've ever seen, because you let her loose. And she went to the person who was feeling the most pain first, and then she worked the rest of the room, and we're talking emotional pain, but Lenny could sense that and and she did. She went to the person who was hurting the most for whatever reason. And then after she felt she had done all she could with that person, then she went around to the rest of the room. Oh, what a wonderful experience that was. Yeah, I know, and we hadn't noticed it, but sharee told it to us, and we we realized it from then on, yeah, she's right. I   Tabatha Jones ** 48:52 always think that the companies that allow people to bring their dogs to work are probably the companies that have the highest performance and productivity. I can't prove this yet, but there is something about having a warm, fuzzy little Snuggler with a cold nose right next to you that makes such a difference. Yeah, like I said, you know, mine's by me all the time, but they're just so intuitive. They pick up on your moods. They pick up on what's going on when you've had a bad day, you know, when you're feeling unconfident. I've worked with people a lot on helping them build confidence. And she'll even come around like, Hey, why you down? Like, what's going on? Let's go play. Go play. And then, you know, they're always so excited when you just do the smallest things. It's like, you know what? All right, I am making somebody, somebody happy today. It's just not that, maybe that other person, or whatever it is. But, yeah, oh my gosh. What made   Michael Hingson ** 49:40 you decide? What Madeline just caused you to decide to go from working for other companies in the corporate world to starting your own coaching career full time.   Tabatha Jones ** 49:52 You know, I just love the coaching aspect, helping people who struggle to speak up for themselves or who. Struggle to recognize the value that they bring to the workplace or to the world in general, just really lights my fire. I work mostly with women in their 50s, mostly with women who are already leaders but feel a bit stuck, and help them just remember who they are. Help them remember you know you are a leader. This is how you can set yourself apart, and this is how we can start preparing for your next promotion. I wrote my book promotion ready in three months, the Women's Guide to career advancement, which was released in August. Just because the concerns were so similar, I thought, you know, I'm going to put these specific the specific framework together in a book so that women who maybe don't have time for coaching right now, or they don't have the means, for whatever reason, they can get that framework in this book and get started on setting themselves apart and rebuilding that confidence. And I just love it. I feel like we tend to play really small, especially after a simple mistake or a simple breach of trust or a simple someone said something, and it just really stuck in our head for whatever reason. So I want women to stop. I want them to start feeling more empowered and start going after those things that they want. Because I don't know if you've seen the movie The longest game. But one of the quotes is the, you know, the field isn't the golfing green. The field is the five inches between your ears. And that's life. It is a fact. It is whatever is going on in that space between your ears is what's going to tell you you can and it's going to tell you what you can't do. So we want to only five inches. They say five inches. I haven't actually measured mine either. I say it and I touch it every time, because I'm like, I don't know if it's really five inches. Maybe it's, maybe it's four and a half. I don't know. I've always prided myself on having, you know, a skinny forehead.   Michael Hingson ** 51:57 Well, you know, but, but it's interesting and and, of course, sort of on principle, just for fun. I'll ask, do you ever find that that men read it or that that you coach men as well? Do you find that there are men that will benefit, or choose to benefit from the same things that you're talking about with most women? Absolutely,   Tabatha Jones ** 52:15 I say I work mostly with women and a few lucky men, because there are men who don't feel as confident or who might be a little bit more of that quieter later, and the strategies in there are obvious. Is probably not the right word. But there are things that are really simple and easy to do, but so often overlooked. So for anyone who finds themselves really kind of hiding behind the keyboard, not getting out and about and working on their visibility and relationship building. There are a lot of great strategies for that. The worst thing to do is wait until the promotion opportunity posts to start getting out there and building your brand. It doesn't serve anyone, and it's going to keep you behind. So, yeah, absolutely, that's a great question. If you   Michael Hingson ** 53:05 want to be noticed, then you have to work at what you need to do to be noticed. And that is a an important skill to learn. And it is all about brand, which doesn't mean you're trying to be so calculating that you're trying to do in other people, it is all about doing the things that you need to do, both to learn and to be able to advance in a positive way.   Tabatha Jones ** 53:30 Yeah, exactly. And there are strategies just for even man, even managing your time, because that's so obvious to some of us who have been there, but to others, they'll allow their calendar to be blocked from 7am to 7pm with everyone else's priorities, and it's important to make yourself a priority so that you can start standing out before the job posts. And that's kind of the secret sauce. A lot of people, like I said, they wait until the job posts and they've just been working hard and then can't figure out why they're not getting ahead. So we want to start doing things, taking action every day before that position posts, one   Michael Hingson ** 54:09 of the things that that I do is on my calendar page, I have time blocked out every day and and people will say, Well, I want to schedule something, but this time isn't available, and this is the only time that I can do it. And what I tell people is I have the time blocked out so that I can do the things that I need to do or that I might want to do. And one of them is responding positively to the fact that you need a certain time to meet, and that time is in one of my block times, but I block times so that I have free time to do what needs to be done. So let's schedule it, and, you know, and I, and I find that that works really well, because it gives me the time to make choices and do the things that I want to do. And I think it's so important to be able to do that. So.   Tabatha Jones ** 55:00 Yeah, the calendar is key. I always say your calendar equals clarity equals confidence. I mean, it just it builds that confidence. What I see happen a lot in the corporate space is the calendar gets booked for again, everybody else's priorities, 7am to 7pm I will see someone sitting in a meeting, totally disengaged. And when I would say, What are you doing? And I ask clients now too, so how do you prepare for this meeting? Because almost always the answer is, oh, I have a big meeting coming up in a couple of hours, and I'm not ready yet. Like, well, why are you in this meeting? If that meeting matters so much, why are you here? Because you're hurting your brand here, looking disengaged, asking, Can you repeat that 72 times where you could have just sent a delegate, or you could have blocked that time to think and prepare, which is so important, the calendar blocks. I don't think I could live without them. They're critical, right? That's how we get things done. That's how we make sure we're focused on the right things. That's how I prepare for clients. I don't just get on and wing it, because that's not going to go well, yeah,   Michael Hingson ** 56:02 and that's why on, on unstoppable mindset. I asked people to send me some things because I want to appropriately prepare, because if, if I'm doing my job right, I learn all I can to be able to be involved in an intelligent conversation, and people have so many skills that I haven't learned or don't have, I get to use the information that they send to prepare and learn about some of those skills, which is part of why I say if I'm not learning at least as much as anyone else who is listening To the podcast, and I'm not doing my job right? Because it's so much fun to be able to explore and talk with people, and it's and it is so much fun. So I I appreciate exactly what you're saying. Well,   Tabatha Jones ** 56:53 thank you. Yeah, it's, it's a, I mean, tooting my own horn a little bit. It's a great book full of strategy. And if you just took it, take it and start implementing those small changes, you'll see a huge difference. And I say that you'll see it, but not only you, your leader will see and your team will see that you're making changes and and making a difference. So yeah, it's just that calendar is so helpful.   Michael Hingson ** 57:16 Life is is an adventure, as far as I'm concerned. And if we're not always learning we're not doing our job right exactly which is so important? Well, do you have any kind of last thoughts of things that you want people to to think about, as far as leadership or as far as moving forward in the corporate world, or or any of those kinds of things? Yeah,   Tabatha Jones ** 57:40 absolutely. And thank you so much for asking. I do want to tie it back to unstoppable mindset, because you are absolutely unstoppable. It's a matter of clearing those blocks, the things that are in your way, the things that are in that five inches, or whatever it really is between your ears that is getting in the way and telling you you can't do something. And I encourage you if you're struggling, if you want to get ahead, if you've had some bad experiences when trying to get ahead, connect with me on LinkedIn. You can find me at Tabitha Jones and D, H, A Jones, thank you. Yes, all A's, Tabata, Tabatha. You can call me what you want. Just spell it right so you can find me. But absolutely connect with me there, and let's talk about what's going on and see how we can help you start moving forward again. Absolutely, we'll share strategies to give at least a little bit of a boost and kind of start relieving some of the discomfort that may be going on, but kind of back to that point you are completely unstoppable. It's just about investing in yourself, and that may look like time, energy or financially, just to get yourself out of, out of where you're at and into that next thing.   Michael Hingson ** 58:52 What's your website? You must I assume you have a website. I   Tabatha Jones ** 58:55 do have a website. It is empowered. Dash leader.com, and if you go out there, I actually have a free gift. I've recently published an ebook which is a career confidence playbook for women over 50, and that also has some great strategies, as well as workbook and journaling pages to help you really flesh out those goals and start taking those small action steps,   Michael Hingson ** 59:21 and guys, the concepts are the same. So don't think it's just for women. Otherwise, learn nearly as much on this podcast as you   Tabatha Jones ** 59:29 should. That is true. That's very true. The color is a little purple and black. Don't let that send you anywhere. Just it's perfect. Come on in. Let's talk   Michael Hingson ** 59:39 colors. Don't bother me.   59:42 Outstanding.   Michael Hingson ** 59:44 Well, I want to thank you for being here. This has been really fun. I knew it was going to be, and it was every bit as fun and and informative as as I thought it would be. So I hope people will reach out to you on LinkedIn and go off and. Uh, go to the website as well. Get your free ebook. I'm going to go get it and and I really think that you've offered a lot of good insights that will be helpful for people. I hope all of you listening and watching out there agree. I'd love to hear your thoughts. Please email me. Let me know what you think of our episode today. You can email me at Michael M, I C H, A, E, L, H i at accessibe, A, C, C, E, S,

Welcome to Good Morning Maxwell! Your Premier Event Spaces in the Bay Area​Nestled in the heart of Northern California,Good Morning Maxwell offers inspiring event venues in Livermore, Pleasanton, Brentwood, and Castro Valley. Our spaces are designed to connect families, friends, creatives, local artists, and the community, making every occasion truly special.In this episode, we are joined by owner Joanne Tan of GMM as she takes us through her journey of life and small business ownership. For about the past year no,w Joanne has been a TTG partner in helping us bring to life our fresh R.I.S.E. movement here in Livermore. Tune in now for a great episode with a business you definetley want to know about!

Pleasanton Livermore library

At Peace was released by Epitaph Records on May 2, 2025.  00:00-4:05: Introduction 4:05-1:05:15: John Paul Peters interview 1:05:36-1:29:17: Chris Hannah interview 1:29: 28-1:57:10 Jason Livermore interview 1:57:24-2:08:13: Todd Kowalski interview 2:08:27-END: Jord Samolesky interview  

One hundred days into President Donald Trump's second term, East Bay Representative Eric Swalwell joins Marisa to discuss how his party should be responding. In 2012, Swalwell was elected to represent Hayward, Livermore and Pleasanton in Congress and helped lead both impeachments of Trump. He's become a frequent critic and target of the president and his allies.  Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when a longtime cryptid researcher walks into a forest clearing and suddenly feels like he's not supposed to be there? In this intense and mysterious episode, we talk with Brian Seech — veteran investigator and co-founder of the Center for Cryptozoological Studies — about the three encounters that still stick with him after 35 years of fieldwork across Pennsylvania, Ohio, and West Virginia. You'll hear the chilling story of the “handicap shelter” at Salt Fork State Park, a massive figure that raised its arms and bared its teeth in Brady's Run Park, and the unforgettable moment he heard the Ohio Howl firsthand in Beaver Creek. From a surprising cluster of white Bigfoot sightings to strange lights in Livermore and a terrifying energy storm over Hinsdale House, Brian reveals the patterns he's uncovered — and the one thing that keeps him in the game after all these years.More than a witness. More than a researcher. This is one of those episodes that lingers with you.Center for Cryptozoological Studies FB: https://www.facebook.com/profile.php?id=100064454749398Small Town Monsters Buckeye Bigfoot series referenced here: https://www.youtube.com/watch?v=NKqY3zikDVU

Ever wondered what it's like to live in Livermore, California?In this series, we take you through the most desirable cities in the Bay Area — so you can experience what life is really like for local residents! Whether you're looking to relocate, invest, or upgrade, this is the BEST vlog series to learn about top Bay Area communities — from schools and homes to dining, lifestyle, and outdoor life.This week, we're touring Livermore, a vibrant and historic city located in the Tri-Valley region — home to more than 50 wineries, a bustling downtown, and some of the most affordable single-family homes in the Bay Area.

In this episode, we sit down with Dr. Steve Faith, co-owner of Livermore Optometry Group in Livermore, CA to discuss data driven decision making with vendor partners, what a good partnership looks like, and leveraging the right data to drive practice success. Key Takeaways: Best advice: "Independent practice is not that difficult. You only have to do two things. Make sure people like you and control your personal and professional overhead."At one point, LOG worked with over 40 different vendors. When looking only at their optical, they had 30-35 reps calling on them regularly. It cost the practice $100 an hour in staff costs to see reps, equalling more than $40,000 a year.LOG looked at various industries for insight on how to improve their vendor purchasing habits and their data to influence their  purchasing. EdgePro made a huge difference in tapping the data in the EHR system to make better purchasing decisions.Vendor data has not been all that impactful for Livermore as it's focused primarily on the vendor partner's product but does not take into account the practice as a whole. Bringing the practice level data into the conversation has a much greater impact.Great vendor partners are ones that know the practice individually and provide the support the practice needs. Great partners are willing to work with the needs of the practice based on the data the practice has.For Livermore, the VSP practice report has been valuable to providing even greater insight into their patient base and other practices in their area.Practice Advantage Reading List** Don't miss out on an extra $10 rebate for all commercial VSP Eye Exams this year! Earn up to an additional $60,000 in 2025 just by taking great care of patients. Visit www.pecaaexamrebate.com now!**

Was können wir von Jesse Livermore, einer der größten Börsenlegenden, lernen? Ich zeige seine wichtigsten Regeln und wie du sie heute noch erfolgreich anwenden kannst. Vereinbare jetzt dein kostenfreies Strategiegespräch: https://jensrabe.de/Q2Termin25 Aktien kann Jeder - jetzt testen: https://jensrabe.de/YTAKJ Optionen kann Jeder - jetzt testen: https://jensrabe.de/YTOKJ ALLE Bücher von Jens Rabe: https://jensrabe.de/buecherYT Nur für kurze Zeit. Solange der Vorrat reicht. Schau auf meinem Social Media-Kanälen vorbei: Instagram - https://www.instagram.com/jensrabe_official X - https://twitter.com/jensrabe_ Facebook - https://www.facebook.com/rabeacademy TikTok - https://www.tiktok.com/@jensrabeacademy Börsen-News https://jensrabe.de/Q2NewsYT25

In this episode, Hannah Berglund takes us through her journey from small business dreamer to small business owner. Sharing what sacrifices had to be made so she and her husband Nic could one day become business owners. Hannah & Nic stumbled upon Livermore in 2017 and immediately fell in love with his small-town charm. Since opening its doors in 2022, they have quickly climbed the ranks as one of the top Chiropractic & Rehabilitation practices in the city. Hannah is not shy about taking us through some of their most challenging times as small business owners. While also sharing many of her favorite Livermore Valley todo's be it Story Coffee or pizza at Wingen Bakery. Join us for a great converstion with Mastermind Alum Hannah Berglund!

How do we live up to the potential God has given us in ministry, and what happens if we fall short? This reflection emphasizes the importance of fulfilling God's call despite life's challenges and the power of forgiveness and grace in overcoming obstacles. 

In this episode of Hire Expectations, we sit down with Kristyn Livermore of West End Hypnosis to explore the powerful connection between mindset and career success. Whether you're actively job hunting or feeling stuck in your current role, this conversation dives into how hypnosis can help you overcome mental barriers, manage stress, and build lasting confidence.Kristyn demystifies common misconceptions about hypnosis, walks us through what a typical session looks like, and shares how self-hypnosis can be a game-changer in your personal and professional life. Plus, she opens up about her own healing journey—and why understanding emotional patterns is the real key to moving forward.

"Mind Over Murder" podcast hosts Bill Thomas and Kristin Dilley discuss the mass kidnapping of 26 elementary school students and their bus driver in rural Chowchilla, California.  The crime, the largest mass kidnapping in United States history, shocked the nation in 1976. How did three rich kids plan and execute this heinous crime?  Why did their plans fall apart so quickly? What impact did the kidnapping have on the 26 survivors? Why were the three kidnappers ultimately paroled?"Chowchilla" Documentary on Max (highly recommended)https://www.max.com/movies/chowchilla/35e6ffd5-2cb1-4bd4-b2f3-62064f73a7a2WTKR News 3: One year after development in Colonial Parkway Murders, where do things stand?https://www.wtkr.com/news/in-the-community/historic-triangle/one-year-after-development-in-colonial-parkway-murders-where-do-things-standWon't you help the Mind Over Murder podcast increase our visibility and shine the spotlight on the "Colonial Parkway Murders" and other unsolved cases? Contribute any amount you can here:https://www.gofundme.com/f/mind-over-murder-podcast-expenses?utm_campaign=p_lico+share-sheet&utm_medium=copy_link&utm_source=customerWTVR CBS News:  Colonial Parkway murders victims' families keep hope cases will be solved:https://www.wtvr.com/news/local-news/colonial-parkway-murders-update-april-19-2024WAVY TV 10 News:  New questions raised in Colonial Parkway murders:https://www.wavy.com/news/local-news/new-questions-raised-in-colonial-parkway-murders/Alan Wade Wilmer, Sr. has been named as the killer of Robin Edwards and David Knobling in the Colonial Parkway Murders in September 1987, as well as the murderer of Teresa Howell in June 1989. He has also been linked to the April 1988 disappearance and likely murder of Keith Call and Cassandra Hailey, another pair in the Colonial Parkway Murders.13News Now investigates: A serial killer's DNA will not be entered into CODIS database:https://www.13newsnow.com/video/news/local/13news-now-investigates/291-e82a9e0b-38e3-4f95-982a-40e960a71e49WAVY TV 10 on the Colonial Parkway Murders Announcement with photos:https://www.wavy.com/news/crime/deceased-man-identified-as-suspect-in-decades-old-homicides/WTKR News 3https://www.wtkr.com/news/is-man-linked-to-one-of-the-colonial-parkway-murders-connected-to-the-other-casesVirginian Pilot: Who was Alan Wade Wilmer Sr.? Man suspected in two ‘Colonial Parkway' murders died alone in 2017https://www.pilotonline.com/2024/01/14/who-was-alan-wade-wilmer-sr-man-suspected-in-colonial-parkway-murders-died-alone-in-2017/Colonial Parkway Murders Facebook page with more than 18,000 followers: https://www.facebook.com/ColonialParkwayCaseYou can also participate in an in-depth discussion of the Colonial Parkway Murders here:https://earonsgsk.proboards.com/board/50/colonial-parkway-murdersMind Over Murder is proud to be a Spreaker Prime Podcaster:https://www.spreaker.comJoin the discussion on our Mind Over MurderColonial Parkway Murders website: https://colonialparkwaymurders.com Mind Over Murder Podcast website: https://mindovermurderpodcast.comPlease subscribe and rate us at your favorite podcast sites. Ratings and reviews are very important. Please share and tell your friends!We launch a new episode of "Mind Over Murder" every Monday morning, and a bonus episode every Thursday morning.Sponsors: Othram and DNAsolves.comContribute Your DNA to help solve cases: https://dnasolves.com/user/registerFollow "Mind Over Murder" on Twitter: https://twitter.com/MurderOverFollow Bill Thomas on Twitter: https://twitter.com/BillThomas56Follow "Colonial Parkway Murders" on Facebook: https://www.facebook.com/ColonialParkwayCase/Follow us on InstaGram:: https://www.instagram.com/colonialparkwaymurders/Check out the entire Crawlspace Media network at http://crawlspace-media.com/All rights reserved. Mind Over Murder, Copyright Bill Thomas and Kristin Dilley, Another Dog Productions/Absolute Zero ProductionsBecome a supporter of this podcast: https://www.spreaker.com/podcast/mind-over-murder--4847179/support.

What couples without kids fight about: who does the dog love more, what to watch, what's for dinner, etc.Phrases that could kill your relationship: you're being to sensitive, do what you want because I don't care, etc.If you get criticized for these for these habits, you're actually financially responsible: you drive an old car, you buy used furniture, etc.Second Date Update: Raj & Monica have a great time at a Livermore winery and went for Mexican. What did Monica see on Raj's phone that made her ghost?

Raj & Monica have a great time at a Livermore winery and went for Mexican. What did Monica see on Raj's phone that made her ghost?

After three generations and over 100 years in business, Livermore is excited to announce that Meadowlark Dairy is headed our way! Slated to open this summer, the historic Meadowlark Dairy is opening its second location here in the heart of Downtown Livermore. We are joined by third-generation owner Jesse Takens as he takes us through the history and inception of 2.0. Please help us welcome Jesse and the Meadowlark family into Livermore and share this episode with everyone you know. #eatlocal #drinklocal #livelocal

Send us a textlovethylawyer.comA transcript of this podcast is available at lovethylawyer.com. Joseph Cox is a criminal defense lawyer with over 13 years of experience. He specializes exclusively in criminal defense and is a member of several prominent legal organizations. He co-manages a law practice with offices in Livermore and Modesto, where he has built a reputation for integrity and dedication. In this episode, Joseph discusses his journey into law, the challenges of running a legal practice, and the rewarding aspects of criminal defense work. He also shares insights into balancing family life with a demanding career and his passion for outdoor activities like fishing, hunting, and snow biking. Tune in to hear Joseph's advice for aspiring lawyers, his thoughts on fairness in the legal system, and why kindness and reputation are vital in both life and law. Rien, Adams & Cox, LLPhttps://www.criminalaw.net/ Please subscribe and listen. Then tell us who you want to hear and what areas of interest you'd like us to cover.  Louis Goodman www.louisgoodman.comhttps://www.lovethylawyer.com/510.582.9090Music: Joel Katz, Seaside Recording, MauiTech: Bryan Matheson, Skyline Studios, OaklandAudiograms: Paul Robert louis@lovethylawyer.com

SAVING SOCIAL SECURITY, PRESIDENTIAL NOMINATIONS, & GRASSROOTS FEMINIST ORGANIZING We launch GREEP Zoom #212 with a lovely poem from our Laureate MIMI GERMAN, who tells us about the feminist community of Rohava in northern Syria. Co-convenor MIKE HERSH introduces Prof. ERIC KINGSON takes us on a long journey for saving Social Security, Medicare & Medicaid, which he says have deep popular support.   MARGARET VILLANI expresses her concern about the lethal swoop now trashing Medicare & Medicaid.   ELLEN GOTTLIEB from Save Social Security & Medicare Now.com tells us of upcoming Florida events.   Longtime organizer DANIELA GIOSEFFI warns that the dispersal of personal from Social Security & Medicare comprise an urgent threat.   We hear from ROBERT COPLIN on California's SSI shortcomings.   KEVIN EISENSTADT seeks guidance on the best time to take SSI benefits.   DONALD SMITH and MICKI LEADER warn about the need to sustain public support for these public institutions.   Grassroots organizing questions come from BRYAN BLAKELY.   Environmental broadcaster KEN GALE checks in from WBAI with vital green info about ECO-RADIO.   Plutonium at Livermore is also opposed by MARJORIE MIKELS, who tells us about upcoming demonstrations there.   The No Nukes community is thanked by HEIDI VIERTHALER who adds new about her Green Energy Economy work.   Safe Energy activist MYLA RESON evokes the Plutonium that's contaminated the Greater Denver region & remembers the great Dr. Karl Johnson and the Rocky Flats guards who shot 3-headed rattlesnakes.   We hear from DAVID ANTOS about a young activist named NABILA SAYED.   BARBARA HARRISON ask for our Environmental Network.     Radio legend LYNN FEINERMAN asks if the US will ever have a Jewish president.   The highly democratic process of knowing your neighbors is outlined by MIMI, MIKE & LYNN.   Building local community is evoked by MURTAZA MOGRI.   Fighting white supremacists powers the inquiry MIMI S from California.    

"You can do whatever you want." In this engaging interview, Lij Shaw sits down with Jason Livermore, co-owner of the Blasting Room studio, to explore Jason's transformative journey from aspiring musician to Grammy-winning producer. They discuss the studio's evolution, the significance of high-quality equipment, and the invaluable experience gained from working with interns. Jason delves into the intricacies of modern mixing techniques, the transition to digital, and the essentials of drum recording and mixing, highlighting the impact of acoustics, MIDI, and automation. Their conversation also covers the joys of learning new instruments and offers practical advice for aspiring engineers looking to thrive in the competitive world of music production. Get access to FREE mixing mini-course: https://MixMasterBundle.com My guest today is Jason Livermore who got his first snare drum at just three years old and eventually picked up guitar and bass but found his way back to drums, which he loved most. In junior high, he discovered punk rock, with Milo Goes to College as his first vinyl purchase. Jason played in bands throughout high school and college, even recording some of them himself. After college, he realized that recording would be a better path than selling beer for Miller. When ALL opened the Blasting Room in Fort Collins in 1994, Jason jumped at the opportunity and has been a key part of the studio ever since. In 2015, he became co-owner alongside Bill Stevenson, working on about 95% of the albums from the studio, including producing the Latin GRAMMY-winning record Solo D'Lira in 2023. Jason has also played drums for bands like Wretch Like Me, Drag the River, Bill The Welder, Soul City Missionaries, and The Virginia Sisters. Special thanks to Brian Murphree for the introduction! THANKS TO OUR SPONSORS! http://UltimateMixingMasterclass.com https://www.adam-audio.com https://www.native-instruments.com Use code ROCK10 to get 10% off! https://www.izotope.com Use code ROCK10 to get 10% off! https://roswellproaudio.com/ https://www.makebelievestudio.com/mbsi Get your MBSI plugin here! https://RecordingStudioRockstars.com/Academy  https://www.thetoyboxstudio.com/ Listen to this guest's discography on Spotify: https://open.spotify.com/playlist/5URoEkxCrLa3ESYMgxyR18?si=f386ffda39b14207 If you love the podcast, then please leave a review: https://RSRockstars.com/Review CLICK HERE FOR COMPLETE SHOW NOTES AT: https://RSRockstars.com/493

Steven Kent Steven Kent, owner of The Steven Kent Winery in Livermore Valley, joins Steve Jaxon and Dan Berger on California Wine Country. Dan Berger recently visited Livermore with his friend, winemaker Clark Smith, to investigate Cabernet Franc. Steven given Cabernet Franc a privileged position in his portfolio. For centuries, Cabernet Franc has been used as a blending grape, but Steven says it can do a whole lot more. He has brought four Cabernet Francs for tasting today, Steven Kent's son is the seventh generation of Kent family winemakers. In 1854 they started making wine in San José. The Livermore Valley was a wine producing region forty years before Sonoma County. Steven says that Cabernet Franc and the Livermore Valley both deserve more recognition. Dan attended a Cabernet Franc festival there recently and there were a lot of people there who are very enthusiastic about Cab Franc. Cab Franc: not just a blending grape. Cabernet Franc gets harvested about 2 weeks earlier than Cabernet Sauvignon. It has less tannin and more aromatics with some dried herb character. In some ways it is a finer variety. Dan calls Cab Franc the father and Cab Sauvignon, “the wild and wooly teenage son.” For people who are looking for a slightly different approach to red wine, Cab Franc is a good choice. It is graceful and doesn't have the same power as Cab Sauvignon. They have a 2022 Cab Franc from the Ghielmetti vineyard. Livermore is hot by day but gets cold at night. The nearby Altamont pass is a windy place, which extends the growing season. They would normally harvest this in early November. It gets no new oak. Dan Berger says, “This is red wine of a very serious nature but without any of the heavy tannins or the over-ripe components that sometimes creep into bigger, richer, oilier wines that are aged in barrels.” He also calls it “the Pinot Noir of Cabernet.” Dan would give it two to three more years, but it doesn't need much smoothing because it's already more than half way there. Located in Livermore They are located on Vasco Road in Livermore. Their tasting room is in a light industrial area, with seven other wineries nearby, known call the place “Vasco Row.” They buy 95% of their fruit from their local friends, and the remaining portion from the Santa Cruz area. They have a club lounge at the winery for their members. Dan calls it “uncontaminated by tourists.” The Kents are the oldest continuous winemaking family in the country. Lineage is another label that they produce. When he and his father Steven Kent Senior opened Steven Kent Winery, they wanted to produce high quality Bordeaux style wines. After working with a lot of Rhone varietals, he wanted to return to Bordeaux styles. In 2007 he started Lineage as a Bordeaux blend and so they could produce elegant age-worthy wines that would go well with food. The one they are tasting is the 2017. Dan says it is well-balanced. It's called Lineage because it represents the family history in winemaking.

What can Jesse Livermore, one of history's most famous traders, teach us about trading psychology, discipline, and the perils of over-leverage? In this episode, we explore the highs and lows of Livermore's trading journey—from turning a $5 bet at 14 into a $100M fortune (equivalent to nearly $2 billion today) to his repeated financial collapses. Key takeaways include: The Importance of Risk Management: Avoiding the devastating effects of over-leverage and maintaining a disciplined approach. The Role of Emotional Control: How Livermore's struggles with managing the psychological highs and lows of trading led to his downfall. Sustained Success Requires Adaptation: Why continual learning and humility are essential to staying on top. Balance Over Wealth: Livermore's story highlights that financial success alone doesn't guarantee happiness or fulfillment. This episode also dives into practical strategies, like budgeting for trading, overcoming psychological hurdles, and the stages of learning to become a consistently successful trader.

This week, we travelled to Livermore to see Rock of Ages and we got to chat with Robert (Dennis Dupree), Liam (Stacee Jaxx), Kinsey (Sherrie), Ben (Drew), and Larri (Justice). The show runs through January 26th at the Bankhead Theater!

In this episode, we are joined by the acclaimed Doug Livermore, a man with extensive experience in active combat and within US intelligence services. Mr Livermore engages in an in-depth discussion regarding the evolution of the Ukraine war, the impact of increased drone warfare and the risks and solutions surrounding Russian aggression in the Baltic Sea and Africa. Doug Livermore is currently the Senior Vice President of Solution Engineering at CenCore and Deputy Commander in The United States Army. Prior to this, he served as a Special Forces officer and Special Operations Detachment Deputy Commander with the Maryland Army National Guard's Special Operations Detachment, aligned to North Atlantic Treaty Organization (NATO) area of operations. He has served two tours in Iraq (2005-07) as a U.S. Army infantry platoon leader, battalion assistant operations officer, and heavy weapons company executive officer in the 10th Mountain Division. Mr Livermore also led elements during combat and other sensitive operations across Africa, Afghanistan, Congo, Mali and Libya. He left active duty in 2014 and joined the National Guard in 2017, initially serving as a Plans Officer. He recently returned from a third deployment to Iraq (2022), this time serving as the Deputy Commander of Special Operations Advisory Group advising the Iraqi Counter-Terrorism Service and Federal Intelligence and Investigations Agency at the ministerial level. The International Risk Podcast is a must-listen for senior executives, board members, and risk advisors. This weekly podcast dives deep into international relations, emerging risks, and strategic opportunities. Hosted by Dominic Bowen, Head of Strategic Advisory at one of Europe's top risk consulting firms, the podcast brings together global experts to share insights and actionable strategies.Dominic's 20+ years of experience managing complex operations in high-risk environments, combined with his role as a public speaker and university lecturer, make him uniquely positioned to guide these conversations. From conflict zones to corporate boardrooms, he explores the risks shaping our world and how organisations can navigate them.The International Risk Podcast – Reducing risk by increasing knowledge.Follow us on LinkedIn for all our great updates.Tell us what you liked!Tell us what you liked!

Welcome Back & Happy New Year SVC + JTM returns from a winter slumber excited to talk about their upcoming event happening January 21st at the Bankhead Theater Of Performing Arts in Downtown Livermore. Sharing exciting news about what you can expect from the event and this year's podcast. As well as answering some questions about what you can expect! Tickets are still live and will also be sold at the door. Don't miss your chance to start the New Year out in style. Did you know that the Bay Area's oldest creamery is coming to Livermore this summer. That is right Meadowlark Dairy will be opening their second location in the heart of Downtown Livermore and the community could not be more excited. Join us for another lap around the sun as we continue to strive to bring together our hospitality industry and challenge the status quo. Together we RISE ayoo!!!!!

Tonight we have our first challenge show of 2025.Bordeaux is home to some of the world's most famous and expensive wines. Bordeaux wines are blends made mostly of Cabernet Sauvignon and Merlot. However, additional grape varieties can include Cabernet Franc and Petite Verdot, and Malbec in small amounts. According to the Oxford Companion to Wine, four new red wine grape varieties were approved for Bordeaux in 2021. We will compare the Bordeaux blend to a Cabernet Sauvignon from California. Tonight, we are enjoying a California Cabernet and a Bordeaux Blend: 2018 Tribute Cabernet Sauvignon. This wine was purchased from Costco for $9.99, and comes from Livermore, California. It received a 90 rating from the Wine Enthusiast. Packed with black fruit flavors and robust in texture, this full-bodied wine offers oodles of blackberries and black cherries that are lightly accented with cinnamon and vanilla. It's moderately tannic and well balanced. 2019 Chateau de Marsan. This wine was also purchased from Costco for $7.99. The wine comes from the Lestiac-sur-Garonne district in Cadillac and is made up of 70% Merlot and 30% Cabernet. It is aged 12 months in French oak barrels. Reverse Wine Snob says: Dark fruit, coffee, a little earthiness and some Asian spice. Smooth and juicy. Opens up after a couple of hours. Wine Enthusiast gave the wine a rating of 91.Next week we will taste two wines from Greece: Merastri Red Wine from Crete. This is a three-wine blend Merastri White Wine from Crete. Four-wine blend.

Tonight I have secretly selected a wine for Denise, and she has chosen one for me. In the show, we will discuss the blind-tasting process, and after discovering each wine's true identity, we will discuss the characteristics (tells) for each.Blind-tasting involves the 5 S's.SeeSwirlSniffSipStateYou can get a “Deductive Tasting Form” from the Court of Master Sommeliers online. https://www.mastersommeliers.org/Tonight, we are blinding tasting two wines including:2022 Tread Softly Pinot Noir from Western Australia. This wine was purchased at Wine Styles for $14.39. It is a translucent cherry juice color, with aromas of ripe strawberries and raspberries, white pepper, dried herbs, and gentle flower nuances. The Wine Enthusiast rated this wine a 89. 2016 Senorio De Villarrica, Rioja Reserva, from Spain. I purchased this wine from Costco for $16.99, and the Wine Enthusiast rated it a 94. Aromas of black cherry, butterscotch and violet, with a touch of black-olive. Flavors of black cherry and pomegranate, sleek tannins and notes of milk chocolate, lavender, and roasted fennel bulb.Next week we will have a challenge show. It is Bordeaux versus California Cabernet. 2018 Tribute Cabernet Sauvignon. This wine was purchased from Costco for $9.99, and comes from Livermore, California. 2019 Chateau de Marsan. This wine was also purchased from Costco for $7.99. The wine comes from the Lestiac-sur-Garonne district in Cadillac and is made of 70% Merlot and 30% Cabernet.

Rosa Fierro Cellars is a 100% Hispanic Woman-Owned winery specializing in small lot, handcrafted wines from Livermore Valley. Our winemaking begins in the vineyard, and we choose only the highest quality vineyards, hand-harvesting only the best quality fruit. Our yearly production is approximately 1000 cases. Our urban winery and tastingroom are located on the east end of Livermore at “Vasco Row,” a vibrant and unique industrial hub featuring craft wineries and breweries, located just 5 minutes from Livermore's iconic downtown. You can almost always find Rosa Fierro in her tasting room, waiting to greet you, where her winemaking photographs adorn the walls and the labels on her wine bottles.

On this episode of Free Range, host Mike Livermore is joined by Natalie Jacewicz, a professor at the University of San Diego School of Law. Livermore and Jacewicz discuss here forthcoming paper, "Crafting a New Conservationism." In that paper, Jacewicz examines a fundamental tension in environmental law: the conflict between protecting ecological collectives like species and ecosystems, and safeguarding individual animals. Through analysis of over one hundred National Environmental Policy Act documents, she reveals how federal agencies navigate competing mandates when implementing wildlife management programs. The discussion explores how marquee conservation statutes, including the Marine Mammal Protection Act and Wild Free-Roaming Horses and Burros Act, contain dual commitments to both collective and individual animal protection, yet provide little guidance for resolving conflicts between these goals. Jacewicz identifies systematic inconsistencies in how agencies approach these tensions, ranging from complete disregard for individual animals to positive duties of care. The conversation concludes by examining potential frameworks for incorporating animal welfare concerns into conservation policy more systematically.

Big News: TikTok Fights U.S. Ban, Clown: AI Jesus Confessional, And Livermore Holiday Lights

Fenestra Winery, established by the Replogle family in 1976 on the historic Ruby Hill property in Pleasanton, moved to the century-old George True Winery building in Livermore in 1980. After extensive renovations, including a new roof and structural strengthening, the winery now specializes in classically balanced, award-winning wines from primarily Livermore Valley grapes and is recognized as the valley's first boutique winery. Currently, they are undertaking a new project to replant their Mourvedre Vineyard, and upgrades to their outdoor tasting space.

After several months of chasing one another, we are excited to sit down with the two men behind Foragers Market Co. Justin Johal and Harv Singh are the curators of our Livermore Farmers Market, along with San Ramon, Niles Fremont, and West Oakland. Since taking over management of our Livermore farmers, these two have completely revitalized how our community ability to come together and celebrate all that defines #eatlocal #drinklocal #livelocal In 2023 Diablo Magazine awarded Foragers Market the East Bay Farmers Market Visionary Award. Tune in now and learn more about what it takes to create and manage amazing regional farmers market. Be sure to SUBSCRIBE to stay tuned with all our regional happenings.

Come hang out with just JTM on this episode. JTM takes you through some local news and updates. Livermore's second-largest brewery is coming to a close, and there are quite a few vacancies in downtown Livermore. What do you make of it? Once warmed up, JTM dives into some exciting details about TTG's 2nd Annual Mixer. Last year we were excited to host this event at Almost Famous Wine Co. in the Vasco Row Makers District. This year we are leveling up and taking over teh Bankhead Theater for a night you will not want to miss. Tune in and learn more - don't forget to hit that subscribe button and set those notifications to stun. Did you know that TTG has a website? Check us out at www.TTGPodcast.com and sign up for our mailing list and newsletters.

From commercial pilot to winemaker. Not a very typical career change. Ronda Wood, Owner & Winemaker at Wood Family Vineyards has lived a full life and there is lots more ahead of her. She still flys, but winemaking is the soul of her family. As we near the end of our 2024 tour of Livermore [...]

In this episode of Dear Church, Chris McCurley sits down with Jacob Parnell, a unique blend of preacher and stand-up comic from Tri-Valley Church of Christ in Livermore, CA. They explore the fascinating balance between faith and comedy, discussing how humor can be used to connect with people on a deeper level. Jacob shares his experiences in both preaching and stand-up, revealing the surprising similarities between delivering a sermon and performing on stage. Join them as they dive into the role of laughter in ministry and how it can be a powerful tool for sharing the Gospel.   Check Out Jacob's Youtube Channel @jacobparnellcomedy https://www.youtube.com/channel/UC6dbBZ8rpM0wviesqaA6aCg   Connect with Us: Instagram: instagram.com/dearchurch_podcast/ Facebook: facebook.com/profile.php?id=61564673680147 YouTube: youtube.com/@DearChurch   Website: rippleoflight.org ROL Facebook: facebook.com/rippleoflight ROL Instagram: instagram.com/rippleoflight ROL YouTube: youtube.com/rippleoflight ROL Rumble: rumble.com/rippleoflight   Have a question? Email Chris at chris.mccurley@rippleoflight.com.  

https://youtube.com/live/tM7jEmKl0us Tonight's episode is packed with excitement! We're diving into the buzz around an ultra-rare Eddie Van Halen guitar shaped like a cat that's hitting the auction block in England. We had the chance to speak with the original owner of this unique piece on the show a while back, and now it's back in the spotlight. This guitar was a gift to Eddie Van Halen, who later passed it on, and its journey has been nothing short of legendary. But that's not all—we're giving you an exclusive sneak peek at my brand-new studio! You'll get a first look at my collection of guitar pedals, each with its own story to tell. And as a special treat, Music Therapy Laz is taking us on a vibrant tour of downtown Livermore, California. Get ready for an electrifying episode filled with rare treasures, fresh setups, and a whole lot of guitar magic!

In a brain-twinning, hometown story kinda day, Portland born Zee shares the strange tale of Jennyopolis, the first recorded murder in Oregon & Nimrod O'Kelley, while Danielle covers the unsolved murder of fellow Livermore resident, Sigrid Stevenson. Stalk us here!Merch - ghosts-n-heauxsTwitter - ghostsnheauxsInstagram - ghosts_n_heauxsFacebook - GhostsnHeauxsPodcastAnd don't forget to send your stories to ghostsnheauxs@gmail.com

George Christie BioGeorge Christie is a dynamic and uniquely informed Criminal Justice Expert who turned his life around after a four-decade stint as President of the Hells Angels Ventura County. He founded Felony Prison Consultants (www.felonyprisonconsultants.com) in order to share the information he gathered during his several incarcerations with those seeking real-life advice. Christie, whose show Outlaw Chronicles: Hells Angels premiered on The History Channel (Link to Trailer) in August to millions of viewers, has appeared as a guest advisor on numerous television shows including 60 minutes, Larry King, CBS News and most recently on CNN .The Altamont Speedway Free Festival was a counterculture-era rock concert held on Saturday, December 6, 1969, at the Altamont Speedway in northern California, between Tracy and Livermore. The event is best known for considerable violence, including the death of Meredith Hunter and three accidental deaths: two caused by a hit-and-run car accident and one by drowning in an irrigation canal. Four births were reported during the event.[2] Scores were injured, numerous cars were stolen and then abandoned, and there was extensive property damage.[3][4]The concert featured, in order of appearance: Santana, Jefferson Airplane, The Flying Burrito Brothers, and Crosby, Stills, Nash & Young, with the Rolling Stones taking the stage as the final act.[5] The Grateful Dead were also scheduled to perform, but declined to play shortly before their scheduled appearance due to the increasing violence at the venue.[6] "That's the way things went at Altamont—so badly that the Grateful Dead, prime organizers and movers of the festival, didn't even get to play," staff at Rolling Stone magazine wrote in a detailed narrative on the event,[5] terming it in an additional follow-up piece "rock and roll's all-time worst day, December 6th, a day when everything went perfectly wrong."[7]Approximately 300,000 people attended the concert, and some anticipated that it would be a "Woodstock West."[8] Filmmakers Albert and David Maysles shot footage of the event and incorporated it into a documentary film titled Gimme Shelter (1970).Become a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.

Have you ever taken the time to ask what's fueling your mood? In our last episode, we explored the powerful concept of retreat - recognizing when we need to step back, regroup, and realign our energies. Your feedback was incredible, and a common thread emerged: many of you resonated with feelings of heaviness. Today, we're going to explore this shared experience. As someone who's personally navigated through periods of feeling stuck or depressed, I understand the weight of these emotions. Over the years, I've developed strategies to shift my energy in a more positive direction, and I'm excited to share these with you. In this episode, we'll slow down, check our reality, and focus on what's fueling our moods. Join me as we embark on another Wise Walk, exploring practical ways to lighten our emotional load and move forward with renewed purpose.  What is fueling your mood right now? What sounds, environments, or stimulations are impacting your mood? How are outside influences or noises affecting your energy and mood? As you notice your mood shifts based on the stimuli around you, what are you doing to be intentional about what you listen to? As you reflect on this past week, what are the things you are inviting into your life that have been affecting your mood, whether that's positive or negative? What are you doing to change the channel if whatever you're absorbing or whatever is being pushed upon you is negatively affecting you? How can you shift your energies outside of the influences, noises or situations around you, and can you make a better choice for yourself? What events are coming up or occur regularly in your life? How can you incorporate fuel to enhance your mood or create desired experiences? As you incorporate voices or tunes, how do they nourish you and affect your mood? Do you give yourself permission to tune out misaligned influences or uninvite others to be more intentional about what fuels you? As we conclude our Wise Walk today, I encourage you to be conscious of what's fueling or affecting your mood. Consider the choices you can make to create an enhanced experience, and don't hesitate to cut ties with things that weigh you down or feel heavy.  Focus your energy on gaining clarity and intention around the things that are life-giving and bring in more healthy, abundant life force energy.  I'd love to hear your takeaways from today's episode. What's fueling your mood in positive ways? Share your thoughts and experiences with our community. As for me, I'm excited to see what choices I'll make today as a result of our wise walk.    In this episode: [01:23] Last episode we talked about the importance of retreating and recognizing signs and steps we need to move in a different direction. [02:01] I received a lot of feedback on this episode. A common theme was the idea of feeling heavy. [03:35] Intentional Listening, Music's Power as a Channel of Communications a TEDx at Livermore talk by Donna Stoering. [04:17] Music can heal our mood for the positive or the negative and so much more. [07:02] There's a lot to be said for using music as a channel of communication. [09:22] I've also been using music to shift my energy. There's dance music that really brings me joy like Pitbull radio on Spotify. [10:25] I'm also being very conscious about what I'm watching. [11:13] It's scientifically proven that music can spark brain activity. [14:38]  There are so many outside influences that affect our mood including food and exercise which can all affect us at a cellular level. [15:09] I'm cutting stuff from my life that feels heavy, because I don't want to feel this way.   Memorable Quotes: “Music does have healing abilities and you can see music as a channel for joy and sadness. You know, if we're going through grief, there's different music that might help us cry and release that grief.” - Mary Tess “I don't need to absorb any negativity that I don't want in my life related to whatever I'm experiencing.” - Mary Tess “There was specific music I would listen to in order to feel like I was connected more deeply to that writing flow.” - Mary Tess   Links and Resources: Mary Tess Rooney Email Facebook | LinkedIn | Twitter | Instagram Heart Value Intentional Listening, Music's Power as a Channel of Communications  

Grandeur Of Lord Jagannātha | HG Vaisesika Dasa | 6 Jul 2024 | Livermore by Vaisesika Dasa

Episode 100 - woohoo. It has taken 5 wonderful years to get to this point and we look forward to many more. Thank you to all those who have supported us. We thought, who better to join us on the podcast than one of our longest-listening supporters than Apolline Augustine aka Apple. Apple is the General Manager at Livermore's acclaimed Wingen Bakery. Born and raised in a small town outside of Paris Apple came to America at a young age with no english under her belt. And has since built herself a life that is nothing short of the American Dream. Come have some fun and get inspired for what is a very fullfilling episode 100 for the TTG Crew!! Love you Apple!

Did you know the entire Joint Force engages in Irregular Warfare? Often defined differently depending on the individual or organization you speak to, we have Doug Livermore on to help define and discuss Irregular Warfare, the nature of conflict, and how our named adversaries also apply it across the globe. Listen in to learn how Irregular Warfare is not only a job for Special Operations. About the guest:Doug Livermore formerly served as the Director of Special Operations, Irregular Warfare, Special Programs, and Sensitive Activities for the Deputy Under Secretary of the Navy. He is also a Special Forces Lieutenant Colonel in the Army National Guard serving as the Deputy Commander of Special Operations Detachment – X. Previously, Doug served as a sensitive activities advisor to both the Assistant Secretary of Defense for Special Operations and Low-Intensity Conflict and the Under Secretary of Defense for Intelligence and Security. Multiple international affairs and security studies journals have distributed Doug's works, including many publications in War on the Rocks, Small Wars Journal, and the Military Times. Doug is the National Director for External Communications for the Special Forces Association and is also the Director of Communications with West Point's Irregular Warfare Initiative. Additionally, he is on the Board of Directors for both No One Left Behind and the Special Operations Association of America where he has been instrumental in the ongoing evacuation and resettlement of Afghan interpreters and their families. Doug earned his undergraduate degree in Military History at West Point, his graduate degree in International Security Affairs from Georgetown University; he excelled in the Army Command and General Staff Officer Course. About the hosts:Maj. Ashley "Ash" Holzmann is an experienced Psychological Operations Officer serving in the re-established PSYWAR School at the United States Army JFK Special Warfare Center and School.Sgt. Maj. Derek Riley is one of the most experienced Civil Affairs Non-commissioned Officers in the Army Special Operations Regiment. He has incredible deployment experience and serves within the Civil Affairs Proponent at the United States Army JFK Special Warfare Center and School. From the episode:To read more about Irregular Warfare, visit the following websites and articles:https://irregularwarfarecenter.org/Did you know Congress authorized the development of the Irregular Warfare Center?https://www.rand.org/pubs/commentary/2022/11/the-congressionally-authorized-irregular-warfare-functional.htmlHere's the Irregular Warfare Annex to the National Defense Strategy:https://media.defense.gov/2020/Oct/02/2002510472/-1/-1/0/Irregular-Warfare-Annex-to-the-National-Defense-Strategy-Summary.PDFThe Joint Definition of Irregular Warfare:https://www.jcs.mil/Portals/36/Documents/Doctrine/concepts/joc_iw_v2.pdf?ver=2017-12-28-162021-510The definition has been discussed by many:https://mwi.westpoint.edu/redefining-irregular-warfare-legitimacy-coercion-and-power/Pirates vs. Privateers:https://www.nps.gov/articles/privateers-in-the-american-revolution.htmThe Peninsular War:https://www.britannica.com/event/Peninsular-WarKorean War White Tigers:https://www.nebraskapress.unl.edu/potomac-books/9781574886054/Doug's article It's Time for Special Operations to Dump ‘Unconventional Warfare':https://warontherocks.com/2017/10/its-time-for-special-operations-to-dump-unconventional-warfare/National Security Presidential Memorandum - 3: Presidential Memorandum Plan to Defeat the Islamic State of Iraq and Syriahttps://trumpwhitehouse.archives.gov/presidential-actions/presidential-memorandum-plan-defeat-islamic-state-iraq-syria/The instruments of national power (aka, DIME):https://ndupress.ndu.edu/Media/News/News-Article-View/Article/2106566/putting-the-fil-into-dime-growing-joint-understanding-of-the-instruments-of-pow/China's Three Warfares:https://warontherocks.com/2018/01/chinas-three-warfares-perspective/Russia's Six Phases of New Generation Warfare:https://www.armyupress.army.mil/Journals/Military-Review/English-Edition-Archives/September-October-2020/Derleth-New-Generation-War/Iran's military doctrine:https://www.mei.edu/publications/upgrading-irans-military-doctrine-offensive-forward-defenseSecurity Cooperation:https://www.dsca.mil/foreign-customer-guide/security-cooperation-overviewNational Guard State Partnership Program:https://www.nationalguard.mil/leadership/joint-staff/j-5/international-affairs-division/state-partnership-program/ Recommended reading from the episode:Ministry of Ungentlemanly Warfare:https://www.amazon.com/Ministry-Ungentlemanly-Warfare-Churchills-Warriors/dp/1681443929Wild Bill Donnovan:https://www.amazon.com/Wild-Bill-Donovan-Spymaster-Espionage-ebook/dp/B003UV8TF4?ref_=ast_author_mpbWhite Tigers:https://www.amazon.com/White-Tigers-Secret-North-Memories-ebook/dp/B01HFUS53G?ref_=ast_author_mpbThe Secret War Against Hanoi:https://www.amazon.com/Secret-War-Against-Hanoi-Saboteurs/dp/0060932538/ref=sr_1_1?Special Forces Berlin:https://www.amazon.com/Special-Forces-Berlin-Clandestine-Operations/dp/1612008437/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=&sr= Army Special Operations Recruiting:SOF Recruiting Page (soc.mil)https://www.soc.mil/USASOCHQ/recruiting.html GoArmySOF Site:https://www.goarmysof.army.mil/ The Official Podcast of the United States Army Special Warfare Center and School!USAJFKSWCS selects and trains all Army Special Forces, Civil Affairs, and Psychological Operations soldiers. Please visit our website at: https://www.swcs.milBe sure to check us out and follow us at:https://www.facebook.com/jfkcenterandschoolhttps://www.instagram.com/u.s.armyswcs/https://www.youtube.com/c/USAJFKSWCS/videosPlease like, subscribe, and leave a review! If you enjoyed this, join the underground by sharing it with someone else. Word-of-mouth is how movements like this spread.

We're back after a bit of a hiatus! We talk with Jeff Hamilton, our older biological half-brother, collectively telling the story of how we met as adults and became a big bonus family. This is the first time the three of us have talked about what this life-changing experience was like for each of us. Jeff grew up in Livermore, California and lives in Portland, Oregon, with his wife, Melissa and a menagerie of pets. Jeff is a project manager for Auto-Chlor whose interests include fostering rescue animals, woodworking, and travel. Jeff and Melissa have two children, Bryce and Haley.

Official Website: https://www.lawabidingbiker.com In this episode, we talk about our recent multi-state motorcycle trip and the things we learned.  Our recent trip from Nashville, Tennessee, out to the Coast, down and across Florida to Destin, and then back up to Nashville was no exception.  The first debacle occurred at the very beginning of our trip.  This was the first trip that we trailered bikes.  Lurch and Popeye trailered the bikes to Patron Member Russell Roberts's house while the remainder of us flew.  We failed to put the bikes in transport mode assuming there would be no issue since we left the key fobs on the bikes.  Wrong!  At least we had our portable jump packs to get us going.   SUPPORT US AND SHOP IN THE OFFICIAL LAW ABIDING BIKER STORE We continually test and review riding gear for the Law Abiding Biker (LAB) community.  There is a lot of textile riding gear that is comfortable and safe.  We all here at LAB went through our leather phase.  It was what was expected as riding gear for Harley riders.  We believe that the paradigm is shifting and we promote comfortable and safe riding.  On this trip, we tested an Alpinestars T SP X Superair Jacket and an Alpinestars Purpose Mid-Layer Jacket.  The two together are an awesome combination.  The Superair jacket allows for excellent airflow to keep you cool and the Purpose Mid-Layer jacket keeps you warm in cooler weather.  We liked the combo so much that we brought it to our store.   CHECK OUT OUR HUNDREDS OF FREE HELPFUL VIDEOS ON OUR YOUTUBE CHANNEL AND SUBSCRIBE! I have worn my beloved Icon Patrol 3 Boots, and prior versions, for years now.  Well, Lurch finally got a pair.  He says the shoes feel great right out of the box and get even more comfortable after they have been worn for a bit.  The boot looks like a cross between a boot and a shoe.  They are a stylish boot that protects you while riding and are comfortable to walk around in.  Luggage space is tight on a motorcycle trip so reducing footwear options in beneficial.   NEW FREE VIDEO RELEASED: How To Operate A Harley Quick Disconnect Fuel Line Valve On A Harley | Retainer Fuel Line Sponsor-Ciro 3D CLICK HERE! Innovative products for Harley-Davidson & Goldwing Affordable chrome, lighting, and comfort products Ciro 3D has a passion for design and innovation Sponsor-Butt Buffer CLICK HERE Want to ride longer? Tired of a sore and achy ass? Then fix it with a high-quality Butt Buffer seat cushion? New Patrons: Curtis Walker of Kingwood, West Virginia Patrick Emerson of Allen, Texas Johnny Pavone If you appreciate the content we put out and want to make sure it keeps on coming your way then become a Patron too! There are benefits and there is no risk. Thanks to the following bikers for supporting us via a flat donation: Greg Werda of Novi, Michigan Sidney Eubanks of New Augusta, Mississippi Adam Gorski of Lincoln Park, Michigan Todd Gross of Zeeland, Michigan Steve Aberle of Livermore, California Patrick Featherston of Ben Wheeler, Texas ________________________________________________________ FURTHER INFORMATION:   Official Website: http://www.LawAbidingBiker.com   Email & Voicemail: http://www.LawAbidingBiker.com/Contact   Podcast Hotline Phone: 509-731-3548 HELP SUPPORT US! JOIN THE BIKER REVOLUTION! #BikerRevolution #LawAbidingBiker

,Join us as we sit down with Frances[Franny] Catano and Joe Tomaszak, the owners of Livermore's very first fish bar. Cured Fish Bar offers up some of the freshest seafood bites within 40 miles, reminding us that while inland, we are a coastal town. In this episode, we sit down and look under the hood at what it took for them to take the leap of faith and go all in on themselves and why they chose Livermore. Fran and Joe are seasoned vets with experience from LA to SF and are excited to offer their style and cuisine to the region. If you enjoy this episode, PLEASE hit that subscribe button, as our voice is only as strong as our following. And be sure to go see Joe & Fran over at Maple Street Plaza.

Join JTM & SVC for another TTG Short. This new segment allows us to experiment with some creative writing and offerings. In this segment, SVC takes the lead and shares why our Livermore Valley Farmers Market is more than meets the eye. And to her, why the Farmers Market serves as the center of community. We hope that you continue to enjoy these, share our podcast dang it and give us a follow!