Podcasts about Location

 With host retail coach Wendy Batten   https://wendybatten.com/podcast-intro/   In This Episode: Ever feel like your shop is running you instead of the other way around? You're not alone, and today's guest proves there's a better way. In this inspiring episode of the Creative Shop Talk Podcast, I'm welcoming Level Up Mastermind member Megan Macdonald, founder of Sandwick Bay Candles. Megan joins me all the way from a small island in Scotland. She's sharing her journey from making candles at her kitchen table to running a thriving retail and wholesale business with multiple revenue streams, including a coffee bar and subscription boxes. You'll hear how Megan unshackled herself from feeling tied down to her shop, built a strong team culture, and created the freedom to travel while still growing her business. Her story is a powerful reminder that with the right systems and mindset, you can build a profitable business that supports your dream life. Key Takeaways from This Conversation:   Building multiple revenue streams to fuel growth Creating freedom with strong systems and team trust Embracing scary but necessary growth decisions Balancing life, travel, and business without burnout Your Next Steps: 1. Reflect: What part of your business feels like it's tying you down? 2. Act: Identify one system or process you can delegate this week. 3. Dream: Ask yourself, “What needs to be true for me to step into my next level?” 4. Join us: Want to hang with like-minded shop owners from all over the world like Megan? The wait-list for the Level Up Mastermind is open! Add your name to the list today. Related podcasts we think you'll like:  Episode 126: 10 Simple Ways to Level Up Your Shop Episode 219: Retailer Success Series: Behind the Counter with Inner Circle Member Jeanne Terrill Episode 239: Behind the Counter: Building the Business You Wish Existed with Jasmine McCue   About Megan and Sandwick Bay Candles Megan started Sandwick Bay Candles as a side hustle while on leave from her Occupational Therapy career when her youngest child was little. During her leave, her passion for candlemaking grew and so did the business. During the lockdown in 2020, business exploded for Megan, causing her to move her small workshop (which started at the kitchen table!) to a lifestyle shop in Stornoway, Scotland. Today, Sandwick Bay Candles is anticipating the opening of a second store and stocking candles at many other small businesses in the area.    Megan is a member of the Level Up Mastermind and the Retailer's Inner Circle.   You can follow along with Megan here:  Instagram | Facebook | Website About your host, Wendy Batten   In case we haven't met yet, I'm Wendy Batten, retail business coach and founder of the Retailer's Inner Circle. With over 30 years of experience running successful businesses, I now help independent shop owners grow profitably and sustainably, with more confidence and joy. I've had my own business columns in featured magazines, such as What Women Create and other top publications, worked with some of the top industry brands as retail care manager, and I've supported hundreds of retailers through coaching, speaking, my programs, and this podcast.  For more support from Wendy   Join Wendy's CEO Planning Session for Retailers Retailer's Inner Circle - Join Wendy inside the best retailer's community Free resources for shop owners   Hang out and connect with Wendy on IG    All of Wendy's current programs and services for shop owners can be found HERE.  Never miss an episode! Subscribe to the Creative Shop Talk Podcast and get the tools, inspiration, and strategies you need to thrive as an independent retailer.Click here to subscribe to iTunes!  Loved the episode? Leave a quick review on iTunes- your reviews help other retailers find my podcast, and they're also fun for me to go in and read. Just click here to review, select “Ratings and Reviews” and “Write a Review” and let me know what your favorite part of the podcast is. So grateful for you! Thank you!

Interview with Nick Appleyard, President & CEO of TriStar Gold Inc.Our previous interview:Recording date: 11th September 2025TriStar Gold Corporation represents a compelling high-risk, high-reward investment opportunity centered on the exceptional economics of its Castelo de Sonhos gold project in Brazil's Pará state. The project's fundamentals are outstanding, containing 1.4 million ounces of probable gold reserves that generate a post-tax net present value of $1.4 billion at conservative $3,200 per ounce gold assumptions. This creates a remarkable valuation disconnect with TriStar's current market capitalization of approximately $55 million.The investment thesis is built on the project's technical simplicity and robust economics. CEO Nick Appleyard characterizes the operation as "sand and gold. Nothing else. Simplest processing you're ever going to see." This straightforward metallurgy reduces both technical risk and capital requirements while supporting strong margins throughout the mine life. Production profiles indicate significant scale, with the first seven years averaging 150,000 ounces annually before stabilizing at 120,000 ounces, positioning Castelo de Sonhos as a meaningful mid-tier gold operation.Location advantages further enhance the project's attractiveness. Proximity to existing road infrastructure reduces capital requirements typically associated with remote site development, while the technical simplicity of processing sand-hosted gold mineralization supports both economic viability and development timeline efficiency.The current investment opportunity stems from regulatory challenges that have created substantial valuation dislocation. TriStar faces permit suspension recommendations from Brazilian prosecutors based on allegedly insufficient indigenous consultation. However, the factual basis for these concerns appears questionable, with referenced indigenous groups located over 100 kilometers from the project site and no demonstrated environmental or cultural impact from exploration activities.Importantly, TriStar maintains strong local support where it matters most. Communities within reasonable proximity to the project support the company's activities, benefiting from employment opportunities and development programs. State regulatory agencies have provided robust defense of TriStar's permit applications, with the state environmental agency emphasizing that the company has followed all proper procedures and operates far from any potential impact areas.The legal process follows a defined timeline with defense filings expected by mid-October 2025, followed by judicial review through early 2026. Management estimates that approximately $1.5 million in legal and consultation expenses could provide project clarity and unlock construction licensing, representing modest capital deployment relative to potential value creation.Risk mitigation factors support the investment thesis despite regulatory uncertainty. TriStar maintains sufficient capital to navigate the legal process without forced fundraising at disadvantageous terms, while the company's single-asset focus allows management to concentrate entirely on resolution. The involvement of FUNAI, Brazil's federal indigenous affairs agency, provides procedural safeguards through evidence-based assessment standards rather than subjective claims.Historical precedent supports optimism for resolution. Similar regulatory challenges in Pará state have generally been resolved with projects advancing to production, suggesting these hurdles follow predictable patterns with established resolution mechanisms. Brazilian mining attorneys view such challenges as part of the operating environment rather than terminal project risks.For investors comfortable with Brazilian regulatory complexity and willing to accept defined timeline risk, TriStar Gold offers exceptional return potential through what management estimates could be a $100 million market value recovery upon regulatory clarity.Learn more: https://cruxinvestor.comSign up for Crux Investor: https://cruxinvestor.com

Pressure can reveal the strength of the foundation you're standing on. What if you could build your life on something unshakable? What if you could form a faith that doesn't flinch in the face of adversity -- allowing you to remain strong, steady, and locked in?  Join us as we walk through the book of Hebrews and learn to have faith that stands firm when everything else falls apart.DISCUSSION QUESTIONS: CLICK HEREH.E.A.R. JOURNAL: CLICK HEREABOUT FEARLESS CHURCHFearless Church is here to help you live boldly for Jesus. Wherever you are in your faith journey, we'll walk with you as you grow, take your next step, and make a difference. Let's pursue a movement of faith together that changes lives—starting with yours! LOCATION & TIMES2601 E. Alex Bell Road, Dayton, OH 45459 Sundays - On-campus: 9:30 & 11 AM | Online: Facebook & YouTube at 11 AM. Get more info about us at befearless.org.FIND US ON SOCIAL MEDIAFacebook: https://www.facebook.com/FearlessChurchOhioInstagram: https://www.instagram.com/fearlesschurchohio/YouTube: www.youtube.com/@FearlessChurchOhio

Join us for Episode 178 of On the Delo as David DeLorenzo welcomes Cecily—“the awesome Toasted Owl lady.” From a 396-sq-ft first cafe to multi-location growth, Cecily lays out the real grind behind building a beloved breakfast brand anchored in vintage finds, community, and relentless owner-operator standards.This conversation moves fast and stays honest—Flagstaff origins, Phoenix expansion (including the former Oink Café space in PV), why owls became the brand, labor and tipping realities, and a 60-year “try 60 new things” mindset. If you care about hospitality, culture, and staying scrappy without sacrificing soul, this one's for you.Chapter Guide (Timestamps): (00:13) Episode 178 Intro + Guest: Cecily, “the awesome Toasted Owl lady.” (01:29) From teacher to restaurateur: Grand Canyon roots & “a high school with ashtrays.” (02:05) First 396-sq-ft shop → S. Mike's Pike across from Mother Road (Route 66). (02:33) Expansion: East Flagstaff; Phoenix at 3rd Ave & Camelback; PV takeover of former Oink Café (rehab timeline: 102 days). (04:07) Starting over after divorce; the 106-year-old owl-filled home. (06:41) Why owls: classroom gifts during the Harry Potter years → the brand. (09:57) Treasure hunts: the 700-owl Bakersfield haul at $1 each. (11:45) “This is 60 month”: hiking, dogs, and DIY owl garden sticks that sell. (15:56) Workforce & tipping: costs, culture shifts, and operator realities in Flagstaff. (17:52) Community & giving back: Mother Road/Pizza Coletta/Fratellis; Flagstaff Shelter Services, Joni Foundation, Habitat builds. (26:31) Notables: Robert Plant, Serena, and altitude athletes finding the Owl. (27:59) Owner-operator ethos: “won't embrace mediocrity” and the dream of “six Owls.” (33:49) Phoenix shout-outs: Camelback next to Changing Hands; PV (REI/Target). 

Action Church exists to REACH people where they are and CONNECT them to everything God has for their life. If you gave your life to Christ today, we would love to partner alongside you to walk you through next steps. Please let us know about your decision here: theactionchurch.com/card If you want be a part of the mission of Action Church to REACH people where they are and CONNECT them to everything God has for their life, you can be a part by worshiping God with your giving through Action Church by visiting: theactionchurch.com/give Stay Connected - Find a Location and Service Time Website: theactionchurch.com Instagram: instagram.com/theactionchurch Facebook: facebook.com/theactionchurch

Find more information at: www.destinychurch.com Service Times: Weekend - Sun 10am Location: 1700 S. Aspen Ave. Broken Arrow, OK 74012 Phone: (office is open Monday-Thursday) 918-259-9080

Location is everything. Just like in real estate, the spot matters more than the house itself, and the same rule applies in business and marketing. You can have the best product or service, but if it's in the wrong place, it won't win. On the other hand, something not-so-perfect in the right spot can outperform. In this episode, I break down why location is the number one rule and how it applies to your success. Show Notes:  [01:15]#1 A big piece of marketing is about how and where you show up.   [09:19]#2 Show up where you can stand up.  [17:47]#3 Branding. [21:25]Reca Next Steps: ---

Watch the video version here: https://youtu.be/JShrLKglGfEOn this episode:

Title: From Hustle to Holdings: The Smarter Path to Passive Wealth With J. Scott Summary: In this episode of the Passive Income Attorney Podcast, host Seth Bradley discusses the importance of transitioning from active to passive income with guest Jay Scott, a seasoned real estate investor. They explore various investment strategies, the significance of due diligence in syndication, and the differences between house flipping and multifamily investments. Jay shares his journey from tech to real estate, emphasizing the need for teamwork in multifamily projects and the importance of understanding market conditions. The conversation concludes with actionable insights for listeners looking to create financial freedom through passive income. Links to watch and subscribe: https://www.youtube.com/watch?v=V26Rze2S9TM Bullet Point Highlights: Active income is trading time for money, while passive income allows for financial freedom. Investors should focus on the highest and best use of their time. Flipping houses can be tedious and may not be the best use of time for high-income earners. Transitioning to multifamily investments can provide more control and cash flow. Market conditions can significantly impact investment strategies and outcomes. Due diligence is crucial when vetting syndication sponsors and deals. Understanding the underwriting process is essential for passive investors. Building a strong team is vital for success in multifamily investments. Investors should seek to understand the risks associated with their investments. Passive income allows for a lifestyle centered around family and personal interests. Transcript: Seth Bradley (00:10.188) What's going on, law nation? Welcome to the Passive Income Attorney Podcast, your favorite place for learning about the world of alternative passive investments so that you can practice when you want to and not because you have to. Now, if you're ready to kick that billable out of the curb, start by going to attorneybydesign.com to download the Freedom Blueprint, which will also get you access to partner with us on one of our next passive real estate investments. All right, let's talk about   the highest and best use of your time. We've talked about active versus passive income and for good reason, they are completely different. They're on opposite sides of the spectrum. When we talk about active income, we're talking about your job as an attorney, as a doctor or a business owner, where you trade your time in for money out. Depending on your skill set, background, education, work ethic, et cetera,   You know, this could be a great use of your time or it could be a terrible one. But when most people think about getting into real estate investing, they're torn. Should you do a fix and flip like you saw on HGTV? Should you invest in a REIT like your financial advisor and Charles Schwab told you to do? Should you buy a single family rental or invest in a syndication? There are endless options so I can understand why it's so confusing. Well, start with this.   ask yourself, what's the highest and best use of my time? If you're thinking about doing an HGTV fix and flip and your partner at a big law firm, for example, is that flip really the best use of your time? And don't be mistaken, a flip is transactional and it is active. So will you make more per hour on that fix and flip than you would at your job?   After you factor in the learning curve, the deal sourcing, the headaches, what it takes away from your job and everything else, it's not even close. Unless you truly love doing it, which some people do, it just doesn't make sense for high income earners. You should be focusing on transforming the income you earn actively into passive income streams. At different levels on the passive scale, that could very well be a single family rental or an Airbnb.   Seth Bradley (02:34.26) or could be passive investments into commercial syndications. But if you truly want to obtain financial freedom as quickly as possible, don't create more time consuming activities that aren't as fruitful as the active income stream that you already have. Focus on passive investments until you are financially free. And then you will have the freedom to transition or not into any   active activity you have a passion for. Today, we have a very special guest, Mr. Jay Scott of Bigger Pocket fame. Jay is an entrepreneur, investor, advisor, and the co-host of the Bigger Pockets Business Podcast. He has bought, built, rehab, sold, syndicated, and held over $70 million in residential property, and currently owns several hundred units. Jay is the author of four bestselling books on real estate investing,   with sales of over 300,000 copies. Get really excited for this, folks. You're in for a treat.   This is the Passive Income Attorney Podcast, where you'll discover the secrets and strategies of the ultra wealthy on how they build streams of passive income to give them the freedom we all want. Attorney Seth Bradley will help you end the cycle of trading your time for money so you can make money while you sleep. Start living the good life on your own terms. Now, here's your host, Seth Bradley.   Jay Scott, what's going on, brother? Welcome to the show.   Scott (04:09.196) Thanks. Appreciate you having me here Seth.   Absolutely, man. Appreciate you taking the time out of your day, We've got a little bit of history, but let's jump into your history, man. What's your story? Tell us about your background. Take it back as far you'd like to.   Yeah, I'll keep it short because nobody really cares about what I used to do. So I'm a tech guy by education and former trade. I worked in Silicon Valley for a long time, spent about 15 years doing the engineering thing and the product management thing. 2008 decided to get married. My wife and I, she was in the tech world also. We decided to leave and do something different so we could start a family.   focus on our family. Basically, we were both working ridiculous hours and it just wasn't sustainable if we wanted to start a family. So put our jobs in 2008, moved to the East coast, ended up flipping houses. Long, boring story about how that started, just kind of serendipitous. We didn't really plan it, never really considered real estate, but fell into flipping houses. Over the next eight years or so, we flipped about 400, 450 houses, was great. It ended up being the,   next career we were looking for, it gave us the flexibility to kind of raise our kids and never have to miss a soccer game or a piano recital, which was fantastic. But then around 2017-ish really got burned out on flipping houses and that's when I started to look for some new stuff to do. and that kind of leads me into what I've been doing the last few years.   Seth Bradley (05:41.742) That's awesome, man. That's a ton of houses you flip, man. think that that's, know, a lot of the folks who've been in the game for a long time, they've heard you speak on, you know, on bigger pockets and all of that. So, you know, what attracted you originally to house flipping rather than, you know, buy it holds or anything like that?   So I'll be honest, I don't love real estate. I love business. I'm a business guy. like when I was even when I was in the tech world, I got my MBA and I did some business development and I moved from the engineering side to the product side where I could be more involved in the business stuff. And I'm a business guy by heart. And that's what I love doing. So when it came to flipping houses,   For me, was, I could have been buying and selling anything. It ended up being houses. And again, not an exciting story. mean, literally the story was my wife was watching a show on HGTV with some people flipping houses and she said, let's give that a try. Just as kind of like a fun thing to do on the side while we were waiting for our wedding to come up. So it wasn't something that I ever thought about or planned to do. It just kind of happened.   And so if it weren't flipping houses, it would have been buying and selling something else. would have opened a restaurant or I would have opened a retail store or who knows what I would have done. But for me, the challenge was in the business. It wasn't the real estate piece of it. And so I've always enjoyed the scaling part. So yeah, flipping a house is great. Flipping five houses is great. But I always wanted to know, how do I go from flipping five houses to flipping 50 houses in a year? What are the systems and processes I have to put in place?   how do I build that type of business? That to me is what's exciting. And so for me, it's always been about not the real estate part of it, but about the building the business part of it.   Seth Bradley (07:25.248) I love that man. I don't think I've heard anyone just come out and say that, even though a lot of people are probably in the same boat as you that, you know, you don't have to love real estate to recognize that it's a great business. Right. Yeah. So that that's awesome. So tell me a little bit about your, your transition and what you're doing now, your current business, how you kind of progressed from house living to what you're about to tell us about.   Yeah, so 2017, I just got really burned out on flipping houses. It was good to us financially. We got good at it. I wrote a bunch of books on it, but I'll be honest, it was never fun. And as the years went on, it just ended up getting more tedious. I felt like I wasn't learning anything new. It was revising processes and creating new systems. it was fun, but I needed some new challenges.   So 2017, I decided, okay, done with flipping, actually went and started doing some business stuff. So I do some advisory work for some tech companies. I do some angel investing. And so for a few months, I actually considered getting out of real estate altogether, focusing on other business pursuits. But I actually, what I realized was that I didn't like the nuts and bolts of real estate. I liked the mechanics of real estate.   I loved the negotiation piece. I loved the asset management piece. I loved the putting deals together piece and I was good at it. And so while I really didn't wanna be flipping houses, didn't want to be involved in the day-to-day aspects of managing the projects. I enjoyed the deal part of real estate. And so in addition to that, after I stopped flipping, I had all this cash.   And I was like, okay, what am I going to do with this cash? I was using it to flip houses. We were doing 50 houses a year. It's put a lot of cash to work. Now I had all this cash. I'm a control freak. do invest in other people's syndications, but I don't sleep well at night when all my money is being managed by other people. So I said, how do I kind of take back control of my own cash as well as kind of get back into real estate? What can I do in real estate that I would enjoy? And now I can also deploy a bunch of my own cash. And what I realized was multifamily.   Scott (09:38.648) That was a great opportunity. And I had been thinking about multifamily for a long time. But what I realized was from the syndication side of multifamily, could, one, I could have the control. could be a general partner. could control the deal. I could put the deal together. I could manage the deal. But also I could come in on the limited partner side as an investor. And it was a great place to deploy my capital. So I could deploy my capital in deals that I had full control over. So 2017, I decided I wanted to get into multifamily, probably wanted to get into syndication.   I reached out to a friend of mine, Ashley Wilson, who managed a company called Barred Down Investments. She and her husband had started the company a couple of years earlier. They were doing exactly what I wanted to do. And so I reached out to Ashley and I said, hey, I would love to learn multifamily. I don't expect you to like just take all this time and teach me so I can often be your competitor. But here's what I am willing to do if you're willing to do this. I will come work for you for a year.   And in that year, you've got all my time, you've got all my energy, you've got all my knowledge, you've got all my contacts, I'll put money into your deals, whatever it takes. You mentor me for a year, you've got my commitment for a year. After a year, we can figure out if like, there's a place for me on the team or if I'll go off and do my own thing. But basically, let's work together for a year. And she loved that idea. mean, I think she liked the fact that I was really good with the systems and the processes and the operation stuff.   And I obviously loved the fact that I could jump into a team that was high functioning, already owned a lot of properties and was doing deals. So for the next year, I worked with her team. It took about a year and a half before we finally did a deal. But 2020, just before COVID, we started putting together a deal. That deal went really well. Ashley and I realized that we were like, just we made a great team.   We had a bunch of complimentary skills, the things that she was really good at, I wasn't, the things I was really good at, she wasn't, it was just a good partnership. Around the same time, her husband decided that he didn't really want to be doing real estate anymore. He kind of wanted to be a stay at home dad. He liked helping with the business. He ran the underwriting team and he did a lot of the analytics, but he didn't want to be a partner in the business anymore. So about a year and a half ago, Ashley came to me and said, Hey, would you want to join me and be a partner in the business?   Scott (11:57.678) 2020, 2021-ish. Ashley and I joined forces. She and I now run bar down investments and we do value add multifamily all around the country.   That's great man, said you weren't having fun anymore, you having fun now?   I'm having a ton of fun. And I think the big difference between then and now is when you're flipping houses, flipping houses is a very, it's a solitary venture. Yeah, you have contractors around you and you have eight real estate agents and you have closing agents and lots of 1099 people, lots of vendors and people that come in to help you. But at the end of the day, you're running the show. You're doing the four big things that you do when you flip houses.   you're acquisitions or you're running acquisitions, you're doing the rehab or you're running the rehab, you're doing the disposition or managing the disposition and you're raising the money. mean, all four of those things, you don't generally have a big team to do those things because it's just hard to scale a big team when you're flipping houses. The profits aren't there, the margins aren't there. Unless you're doing real high-end houses, the deal size isn't there. But in multifamily, the thing I love about multifamily is it really is a team sport. When you're doing it,   $10 million deal or a $50 million deal, it's not something that I could ever do myself. It's not something anybody or very few people can do themselves. Typically you have to be part of a team because things are very specialized. mean, the acquisitions piece, you need some of the best acquisitions people in the world to be finding deals in this market. The renovation piece to be renovating a 200 or 400 or 600 unit apartment complex, it's not like flipping a house. You need to have really good systems and processes. need to...   Scott (13:36.448) really know the renovation side of things. Managing the property, I mean, you have to know the asset management side. You have to know how to carry out a business plan. You have to know how to increase and reposition rents. You have to know how to decrease expenses and improve the efficiency of the management. And then on the sales side, that's a whole other world where you have to really know the market and be able to work with the brokers and know how to position the company for sale. And then finally, there's that raising funds piece.   And that's a whole world by itself, whether you're dealing with raising debt through a broker and you're going like just typical, like getting loans, or you're going out to private investors or institutions and you're raising equity, people that come in as partners. And I mean, that's a full-time job in itself, those two things. So when you do multifamily, you really need to figure out what are you great at? And then you need to surround yourself with people who are great at everything else. And so that's what I loved about multifamily. It allowed me to focus on what I was really   and then bring in people who are literally the best in the world at all the other stuff. And now it becomes a team sport. It goes from playing tennis to playing basketball. It goes from being yourself reliant and you have to do everything and be the best versus you have to be able to put together the best team and manage that team in a way that not only is everybody fantastic, but working together, they're better than the sum of their parts.   Yeah, yeah, that's fantastic, man. The whole team game part of multifamily and commercial real estate. It's really interesting because when you get into other businesses, it feels more competitive and kind of like if you if you have the secret sauce, you keep it close to your vest. You don't you don't tell everybody about it. Whereas when you're in this commercial real estate world, everybody's sharing ideas. Everybody's trying to partner. Everybody's trying to see how they can help you rather than just looking about, well, how can you help me kind of?   I call it, I'm gonna get in trouble here, but the Hollywood mentality where it's like, what can you do for me? Oh, you just drive a three series, you probably can't help me. So it's a different attitude.   Scott (15:41.294) Absolutely. I like to refer to it as co-op petition. It's like there are deals that you're going to do with other people and then there deals you're going to do yourself and you may come back to those people later. You may never come back to them, but everybody kind of looks out for each other because you never know when you may end up in a deal with somebody that previously you were competing against. And so anytime that you're not in a deal with somebody, you're still treating them as if, the next deal we could end up being partners. And the deal after that, we could end up being partners.   because it really is, it's a small industry, everybody knows each other. we really, again, going back to the sum of the parts is greater than the parts themselves. mean, working together, we can really do a whole lot more than if we just are purely competitive and try and take each other down.   Yeah, absolutely. And I think kind of going back, there's a lesson to be learned about how you were transitioning from house flipping and you were the best at it. And then you're like, okay, I want to go into multifamily and a syndication. You went and you sought out someone that was already in the game that knew what they were doing, that had the experience. And you said, what can I do to help you? What value can I bring to you to help you so you can teach me what you've done? And there's a lot of value to be found in that lesson for folks that are trying to   you know, get into the active side. A lot of listeners out there are passive investors already and they're, you know, maybe thinking about, maybe I want to do in the active side. And they're like, well, what can I do? Cause a lot of attorneys, especially in doctors and folks like that, they think they have this one track mind. They're only trained to do one thing. And they're like, what value can I provide as somebody else? But there are a lot of skills that you've learned in your W2 profession that you can apply to help other folks that are already in the industry.   Absolutely. I mean, I talk about it a lot, but even outside of real estate, I do a lot of advisory work and I'm still pretty active in the tech world. And I find companies that kind of bridge that gap between technology and real estate. all know about the Zillows and the Airbnb type companies. There are a lot of startup companies in that space too called property technology type companies. so...   Scott (17:46.998) I love to use my experience, my knowledge, my relationships to go into those companies and help them grow their companies. In return, I'm not an employee. I'm not even a 1099 contractor. In return, I'm getting equity so that if I can help make them successful, ultimately my equity is gonna be worth something. I'm gonna be successful as well. And so what I like to tell everybody like figure out what you're good at and then figure out who needs that expertise.   and then figure out how you can offer that expertise in a way that isn't trading necessarily hours for dollars. Figure out how you can trade your expertise, your knowledge, your Rolodex, your whatever it is for equity or potentially passive income so that you can grow potentially many fold as opposed to I charge $200 an hour or $300 an hour. mean, everybody loves $300 an hour, but the minute you stop working, you stop making that money. But if you can get equity, that equity can work for you for a while.   Yeah, absolutely. And it's tough for a lot of the WTs out there listening, they're highly paid professionals. It's tough to get off of that treadmill. For some folks it's easier because they're not making as much money, but for the lawyers, the doctors out there that are making a good amount of money in their profession, it's tough to try to see, you know, to stop trading time for money. But you've got to kind of see through the weeds there.   Yeah, well, what I tell people is, there's two types of income. There's your active income. That's the stuff that you're trading your time for, whether you're a doctor or a lawyer or an engineer or you're a house flipper or you're a consultant or you're a small business owner, whatever it is, that thing that when you stop working, you stop making money. And then there's a passive income. It's the thing you trade money for money. So you put your money out there and hopefully it continues to come back to you for the rest of your life or at least the next several years.   And so what I like to tell people is don't think about those the same. Those are completely different. figure out for your active income, figure out what the highest and best use of your time is. If you're gonna make more money as an attorney than you are flipping houses, don't flip houses just because you eventually want to retire on real estate. You can always use real estate for the passive side of things, but if you're gonna make more dollars per hour as an attorney or a doctor or a consultant, then do that because you wanna get out of that active income as quickly as possible.   Scott (20:05.9) And the way you do that is you make as much as you can and you move it over to the passive side. So focus on whatever it is that's generating the most dollars per hour for a shorter period of time so that you can then start moving that money over to the passive side and start building up the passive side. don't, people ask me all the time, should I flip houses or should I buy rentals? And I'm constantly telling them that's not the right question. Flipping houses is your active income. Compare that to all the other.   potential active incomes you can have. And rentals is passive income. Compare that to all the other passive investments you can make. And so don't say flipping houses or rentals say, should I be flipping houses or should I be an attorney? And don't say, I be flipping houses or rentals say, should I be doing rentals or should I be investing in syndications or dividend generating stocks or something else? And think of them very differently. then secondly,   Make sure as much of that active income as you can, move it over the passive side so that you can start that snowball rolling. I compound interest is the key to financial freedom. And the sooner you can put more money to work, the faster it'll compound and the sooner you can start to live on.   Yeah, I love that man. mean, lot of folks, you know, calls that I take, they're like, hey, they're attorneys. Should I quit my job or how do I quit my job? I'm like, if you want to quit your job, don't be hasty about it. First of all, you're probably making a good amount of money in your active income. You just need to figure out a way to transition that active to passive income and don't just quit your job. It's very difficult to flip houses, to do an HGTV fix and flip while you're working at a big law firm or something like that full time.   I tried to do it, I didn't do it very well. You're not even gonna make it nearly as much money as you would as a doctor, as an attorney, unless you get to level like you did, Jay, but that takes time and that takes a buildup of accumulation of skills and money to be able to get to that level.   Scott (22:05.826) Yeah, I mean, at the end of the day, it's a math equation. mean, your passive income or your ability to build up enough income to be able to retire, whatever your number is, is based on how much can you put in per month into that wheel, that passive income growth machine? How much are you generating every year on what you're putting in? So what do your returns look like? And three, how long do you have to compound it?   And so everybody can go out into a compound interest calculator and say, okay, I have $5,000 a month that I can invest passively and I can return 12 % per year and I need $6 million to retire. Well, based on those three numbers, you can now figure out that fourth variable, is how long is it going to take? And so figure out how much do you have per month to put in? What's the rate of return you can generate and how much do you need? And that'll tell you how long it's going to take or   figure out how much you have to put in, how much your return is gonna be and how long you wanna spend. And that'll tell you how much you'll end up with at the end, either way you wanna look at it. But again, it's a pretty simple math equation, but too many people don't actually do that equation where they don't think about it until too late and they think, I wish I would have taken that $5,000 a month that I was spending on my second home in the Bahamas and put that into real estate so that I could have been.   compounding it and so now I could buy that home for cash five years or 10 years later.   Absolutely. Attorneys hate math, but I think they can handle that little equation. I want to take a step back for a minute because you got into house flipping in 2008, which is kind of like around the big crash. And now we're kind of at the height of a market. We don't know where that height is going to end, but we're definitely in it. Right. So can you maybe compare and contrast getting into, let's say,   Seth Bradley (24:01.652) one real estate venture in the middle of a crash compared to getting into another venture kind of towards, towards the upswing.   Yeah, so it's one of the reasons I like multifamily and I like commercial and I like syndication. Anytime you're doing purely transactional deals, buying something and then selling it, not generating any cashflow in between, you run a risk. If the market turns in the middle of the transaction, you're gonna lose money and you don't have a lot of ways to mitigate that risk.   Whereas if you're buying something like an apartment complex, or even if you're buying a rental property, or you're buying a self-storage complex, or you're buying anything that cash flows, the nice thing is if the market turns, you may not be in a great position. You may not be thrilled with what's happening with the value of your assets, but if you're still generating cash flow, you can weather that storm. Maybe it's gonna take, the average recession lasts about 18 months. And so if you can make enough income that you can keep yourself afloat for 18 months, or maybe   it's a horrible recession and it lasts three or four years. If you're still making income and you can keep yourself afloat for three or four years, the market's gonna come back. And so when we do our multifamily deals, yeah, we typically say we're planning to hold three to five years, but we also do all the underwriting to ensure that if we have to hold for six years or eight years or even nine or 10 years, that the numbers still work because.   Again, who knows what's gonna happen three years down the road, we could have a major recession that lasts four years and now we're seven years down the road. I wanna know that my multifamily investments in seven years, they're probably gonna be producing more cashflow. We're probably gonna see more growth in terms of population. We're probably gonna see more growth in terms of employment. Hopefully we're gonna see more wage growth once we come out of that recession. So all the economic indicators that kind of lead towards value growth in multifamily,   Scott (25:58.486) are going to happen over those seven years if I can just get my property seven years and not lose it. With a flip, well, I'm not generating any income. So if the bank calls the loan due or if my two-year loan comes due and I can't refinance, I'm screwed. But in a multifamily, I just waited an extra couple of years and I'm probably in a better position than I was anyway. So that's one of the reasons I love multifamily because we can't predict   what the economy is gonna do in the next couple of years. But I do know that whatever the economy does, it's probably gonna come back in the next five or 10, and I'm still gonna have the problem.   Yeah, yeah, that's great. That kind of rolls into this next question. How does a passive investor that's kind of vetting a sponsor, how do they check kind of the boxes to see if their sponsors are taking the extra measures to look into those risks that you just mentioned, to mitigating those risks, to taking those risks into account in their underwriting and things like that. How can they best vet the sponsor to make sure that they're thinking of those things?   So I invest in a lot of other people's syndications as well as my own. And so when I do that, I kind of look at five areas for due diligence anytime I invest in a syndication. Number one is the team. And that's probably the most important thing. For a lot of people, I have been pleasantly surprised that a lot of our investors have recognized that team is the most important aspect of the deal. I know in the flipping world, everybody was concerned about the deal. Nobody cared about   what was my experience, but in the multifamily world, a lot of investors recognize that the team has to be great. So number one is the team. Number two is location. Location is often overlooked, but at the end of the day, the thing that's gonna drive value for multifamily and for commercial real estate in general is gonna be population growth. So you want more people coming into an area, employment growth. So you want more employers coming into an area that will bring more people in. You want wage growth because that will ultimately drive rents up.   Scott (28:06.082) and you want employment diversity. You wanna know that if one industry takes a big hit, so for example, we invest in Houston, but we won't invest in the energy corridor of Houston because it's so reliant on oil and gas, that if the oil and gas industry took a big hit, the real estate around there would probably take a big hit. So we wanna see that there's good employment diversity. But at the end of the day, location is that next big thing. So team, location, number three is the deal itself.   So you need to know that the deal is gonna stand on its own. I wanna know that if I took a deal and I handed it to pretty much any other indicator, they couldn't mess it up too badly. Obviously, again, we're gonna go back to the team is super important, but I want the deal also to stand on its own. And I wanna know that the business plan for the deal, the hold period, the numbers and the underwriting, the pro forma for the property makes sense. So team location deal.   Number four is the returns. So obviously when I invest with somebody, I'm in it for the money. And so I wanna see that the returns are commensurate with the risk. I wanna know that the returns, if somebody tells me I'm gonna get 10 % returns in this deal versus 20 % returns in another deal, I wanna know, well, why am gonna settle for lower returns? I want the answer to be because it's a lot lower risk or because you're gonna get your money back a lot sooner, which is gonna allow you to compound it or whatever the answer is.   I want to know that the returns make sense given everything else. And then finally is the risks. At the end of the day, I'm always going to sit down with the syndicator and I'm going to say, what are you most concerned about here? Like where, if I'm going to lose money on this deal, where am I most likely going to lose money? They say, there's no shot of losing money. walk away because we all know every deal has risks and every syndicator knows what those risks are. And they're thinking about those risks. I just want them to tell me.   So if I'm gonna lose money on this deal, where am I most likely? Why am I most likely to lose money if I'm going to lose money? So those are the five things that I look for. Talking about each individually a little bit more. the team, I like to know that one, I wanna see how many deals the team has done together because again, like a basketball team, you can put the best basketball players in the world together. And if they've never played on the court together,   Scott (30:31.672) they're not gonna be necessarily the best team out there. You can find another team with five inferior players who have been playing together for 20 years and they're probably gonna be better because they know each other better. So I like to see teams that have worked together for a while. I like to see teams that have gone full cycle in deals. So it's easy to buy 10,000 units. It's hard to buy 10,000 units and also sell 10,000 units for a profit. So I wanna see that if a team has bought a lot of deals, they've at least sold some for a profit.   I wanna see a team that's putting their own money in the deals. So I want people that have skin in the game. If they don't have skin in the game, and I've seen plenty of syndicators that don't like to put money in the deals, well, they need to sweeten the pot for me somehow. So maybe they're saying, we're not gonna take any profits until at least year three, or we're gonna give you a better preferred return, a better split than you would get if we were putting money in the deal. I wanna know if you're not putting money in.   that you're at least giving me something that aligns our interests and ensures that you're gonna be working hard even though you might not have as much financial risk. So those are the types of things I like to see in the team. I like to see things like at least one or two people working full-time. If everybody's part-time, that's kind of a little bit scary. Obviously not everybody has to be full-time because there are a lot of jobs on a GP team that aren't full-time jobs. There are a lot of jobs that might stop the day you purchase the property. Like the person that's raising money, job's   pretty much done other than communicating status when the property's been purchased. But I do want to know that whoever's managing the asset is doing it full time. So that's kind of the team stuff. Location, again, population growth, employment growth, wage growth, and employment diversity. So those are the four big things I look for. Next is the business plan. So I want to see the biggest question when somebody goes in and...   does what I do, which is a value add multifamily. Basically they buy it, they raise the value of the property and then they sell it for a big profit. Where is that profit coming from? Generally the profits coming from raising the rents. There's also some lowering the expenses, but at the end of the day, raising the rents is kind of the big thing that's gonna generate the big profits in multifamily. And so I wanna know how are you raising the rents? And two, when you tell me that you're raising the rents from X to Y, where is Y coming from?   Scott (32:55.182) Show me the comps that tell me that why is a reasonable new rent, market rent for this property after you've done the renovation. So I wanna see the comps. So that's kind of the deal. The returns speaks for themselves. I wanna see like the structure of the deal. So when's the money coming back to me? Is it paid monthly? Is it paid quarterly? What are the returns look like? What's the preferred return? So is it a low preferred return, which means   that the syndicators are getting paid sooner, whereas at a higher preferred return, which means the syndicators have to do more for me before they take anything home. So that speaks for themselves. And then for the risks, I wanna know both the catastrophic risks. So what's the thing that's like going to make me lose all my money? Is there something out there that can cause me to lose all my money? Hopefully the answer is no, but there are probably some risks that are bigger than others. So we do a lot of deals in Houston. If somebody were to say to me, what's the biggest risk on your deals?   The answer is generally going to be weather. If we have a really bad hurricane, if we're in a flood zone, we probably have flood insurance and we have hurricane insurance. But if it's in a place that's never experienced the negative impacts of a flood or a hurricane, and we are not required to have flood insurance, but there's still a massive hurricane that wipes out that property, that's not going to be good. We're going to have to pay for that ourselves. So what's our mitigation there? We don't have a great one. Luckily.   the risk is really low. We don't buy in areas where there is that risk. And if there is, we're gonna get flood insurance. But I do want my investors to know that no matter where you invest, whether it's a risk and especially in Houston, if we see a storm bigger than anything we've seen the last 50 years, some of our properties could be at risk. And then there are the smaller risks. So maybe there's five other complexes being renovated all around us. Maybe there's class A, brand new class A being developed.   all around us. So basically our absorption of units is going to slow down because there's so many more units. Maybe there's one big employer in the area. Amazon just built a warehouse that's employing 8,000 people. Well, what happens if Amazon has a bad year and has to lay off 4,000 of those people? How's that going to affect us? So, so risks is the next thing. And the way I approach it is I literally sit down with the, with the syndicator and say,   Scott (35:15.554) What keeps you up at night? What are the biggest things you're concerned about? And so those are the things that I do. I have no problem basically saying to a syndicator, I need 15 or 30 minutes of your time to ask these questions. Typically the good ones will either find the times themselves or have somebody on their team that will sit down and answer these questions. If they're not willing to answer those questions, well, that's probably a good indication that that's not a good team.   Yeah. For our listeners out there, that breakdown was incredible. Rewind that, listen to those five items again. That's a quick, but thorough and awesome rundown of what you need to do. Just as at least the starting points for your due diligence. And that's, that's great that you said if they won't book a call with you either themselves or an investor relations person on their team, then it's time to, you can just walk away and look at the next, look at the next deal. One question I had on the deal.   So a lot of folks, it's kind of overwhelming to see an underwriting model or something like that. And being a passive investor, I don't know how much you even want to dive into it. Some people do, some people want to nerd out on it. Most people don't. And we don't generally have access to the T12 or the rent roll or anything like that. What are maybe some quick tips on how to maybe proof through that pro forma to make sure that the assumptions are reasonable and the pro forma is generally   a reasonable prediction of what we might expect from that investment.   Well, let me start, me take a step back before I answer that particular question and just say that even for you and me, mean, you know how to do an underwriting, I know how to do an underwriting. If you or I were gonna invest in somebody's deal, Joe Smith's deal, we're probably not gonna have enough information even though we know this business really well and we know the underwriting models really well, we're probably not gonna have enough information.   Scott (37:08.908) that we're going to be able to know for certain that Joe Smith's not trying to scam us out of money. So if Joe Smith is really smart and he could probably put together an underwriting that could fool us because we're just not gonna be putting in as many dozens of hours underwriting as he and his team are. So the number one thing I would say is make sure you trust your syndicate. This goes back to why team is so important.   because there's two types of things that Joe Smith can do. One, he could do a bad job of underwriting and come up with bad numbers. That's not good, but that's not nearly as bad as Joe Smith wanting to scam us out of money. So number one is make sure Joe Smith's not the kind of guy who wants to scam us out of money. And so work with people who are reputable. And that's why I would invest with you before I would invest with 95 % of syndicators out there because you're an attorney, you passed the bar.   you know that if you go and somebody finds out that you're trying to scam somebody, well, you're putting your entire career at risk. And so what I tell people is, so what do you have that really proves that this person is on the up and up? And maybe it's a track record. Maybe it's 10 or 15 years of doing deals. Maybe it's, I like to think with me, I've been doing this business for 15 years. I've done thousands of deals with hundreds or thousands of people.   And if you go out on the internet, nobody's gonna, you're not gonna find anything that's written negatively about me. So that's a good sign. But make sure that there's something out there that gives you faith in that syndicator, even if it's just somebody else that's invested in a couple of deals with them. So that's number one. So that's the way to rule out that catastrophic, they're trying to scam you risk. Then there's the more likely, what if they just didn't do a good job of underwriting risk?   And so for that, would say for people that have very little knowledge of how the underwriting works and how the numbers work, it can be really difficult. And so what I like to do is, or what I recommend people do is sit down and ask to do a Zoom call for 15 minutes with the investor relations person and say, hey, will you kind of walk me through the high level underwriting? And at least force them to go through and then just ask questions.   Scott (39:30.958) when they say something, even if you have no idea what you're talking about and they say, well, it looks like we're gonna be able to reduce expenses by implementing a rub system, blah, blah, blah. Oh, okay, well, what is rubs and how does that work? And at least make them explain it to you. At least then you'll get an idea that they're not making it up as they're going along, or at least you'll get that confidence that it sounds like they know what they're talking about. But the biggest thing that I would say is that whole comps thing.   And this is a question that a lot of people don't like to ask. But I actually, and when people ask me this question, it always makes me nervous because it's the hardest part of the business, but it impresses me when people do. to the underwriting or the investor relations person, what are the comps that you used for your post renovation market rents? So again, the thing that drives values in multifamily is after the renovation is completed, in theory, you should be able to bring your rents up higher.   and your rents, those higher rents, you should be able to figure out what they are by looking at other units that have already been renovated and seeing what their rents are. So if I buy one, two, three Main Street, and I know I'm going to put $8 million into it, well, now that property is going to comp out to 678 Main Street. And well, what are the rents at 678 Main Street? And so by asking, hey, so you're buying one, two, three Main Street, what are the comps for the rents after you renovate?   and they tell you, it's going to be 678 Main Street and 123 Smith Street, whatever it is, you can then go look up those properties and say, okay, well, it looks like a two bedroom at those properties is renting for 1200. Now I go back to the investor relations person or whatever information they gave me I see, oh, okay, after renovation, they have their rents at 1200. Makes sense. If that's a reasonable comp, they now have the rents at kind of where they should be.   If he says that six, seven, eight main streets, a comp, and you go look in a two bedroom at six, seven, eight main streets, 1200, but their underwriting tells you that after they do the renovation, they're going to be charging 1500. Well, why are you now $300 above this property that you said was a comp? And so that to me is kind of the first thing that I look at or the biggest thing I look at is what are the comps that they're using and does just a kind of first pass.   Scott (41:57.762) jumping on apartments.com or calling the complex and asking them what different things rent for. Does that coincide with what they're telling you their post renovation rents are gonna   Yeah, I love that man. I mean, it's not as simple as just going into an old dilapidated apartment building and saying, I'm to put granite countertops and hardwood flooring and stainless steel appliances in there. And then I'm going to triple the rent or double the rent. It's not that easy. If it's not in the right area that could support those, those market rents or that have potential tenants that want those types of things, it doesn't work. So that's why that's so important to check those comps to see what's around those apartments that you're going to be investing in to see if, they can achieve those.   those proforma rents. All right, man, before we jump into the freedom four, what's one last gold nugget for our listeners?   Absolutely.   Scott (42:45.634) Yeah, so again, what I would tell people is figure out your highest and best use on your active side. And then for the passive side, figure out how you're gonna scale. And I know a lot of people like to invest in a whole lot of different things, but I'm a big fan of doing some work so that you don't have to diversify as much. Diversification is great, but diversification,   is for people who aren't really an expert in anything. If you want to get your best returns, the way to get your highest level of returns is not to have to diversify. And the best way not to have to diversify is to get knowledgeable about whatever you're investing in. So if you decide you wanna invest in all your syndications, just cause that's what you and I do. So it's an easy example. If you want to invest in syndications and that's how you wanna grow your nest egg, my recommendation is,   get as much information about syndications as you can. Pick up a good book on syndications. Go find somebody that does syndications and say, hey, I'd to pay you a thousand bucks for five hours of your time. Or you just to walk me through what a typical deal looks like or what the underwriting looks like. Or go sit in on a hundred multifamily syndication investor videos, presentations. So you can see all the different things they're talking about and become as much of an expert there as you can. So that way you're reducing your risk without having to do a lot of the.   diversification. So focus on whatever your highest and best use of time is on your active income and then become as knowledgeable as you can for whatever you're investing in passively. What I like to say on the passive side is it's not truly passive. Nothing's truly passive. But the best investments are the one where all the work is done upfront. You do your due diligence and then it becomes passive.   Yeah, that's awesome, man. And then what you can do though is diversify within that strategy, right? Absolutely. Yeah, different asset types can have different business strategy, value add, or maybe you're dealing with just a class A where you're chasing yield or across different cities, different geographies, or across different sponsorship teams. There's other ways to diversify within that same type of investment strategy. Yep. All right, man, let's jump into the Freedom 4.   Scott (45:05.598) It's time for the Freedom Four.   What's the best thing you do to keep your mind and body healthy?   So for me, it's admitting when I need a break. I know so many people that it's a badge of honor to work 80 hours a week, 52 weeks a year, never take a vacation. I'm just the opposite. If I wake up one morning and I'm tired and I don't feel like working and I don't feel like I'm gonna be productive, I will grab a book. I might even turn on the TV. I might say to my wife, hey, let's go to breakfast or let's go spend the day, let's go to a movie.   And I have no qualms with just saying, I need a break today. Today's not gonna be a productive day. I don't need to pretend to work just so I can have that badge of honor that I work hard. And so, yeah, and that's one of the nice things about real estate. mean, I don't have a hundred percent flexible work-life balance. I can't do anything I want any time I want, but if I wanna take a couple hours off, I normally can. And so I'm not scared to do that.   Yeah, yeah, that's a great answer. With all your success, what is one limiting belief that you've crushed along the way and how did you get past it?   Scott (46:15.734) Yeah, I still have a lot of them. I think we all do. But I'd say the biggest one is that doing a big deal is not that much harder than doing a little deal. I'm not going to say a hundred million dollar deal is just as easy as a hundred thousand dollar deal. But if you're smart enough to do a hundred thousand dollar deal, you're smart enough to do a hundred million dollar deal. And the people that are out there doing those hundred million dollar deals, mean, we have, we now have a hundred million dollars assets under management.   I remember a couple of years ago, looking at the people that had nine figures under management and thinking, they're different. I can't do that. These are people, went to some school that I will never go to, or they were born into something that I was never born into, or they know people I don't know, or whatever it is. No, they're normal people. And the only difference between them and me was I wasn't thinking big enough.   and I wasn't willing to take some risks and I wasn't willing to acknowledge the fact that doing again, a hundred million dollar deal is certainly within my capabilities. So that to me has been probably the biggest one and it's made it a lot easier for me now to say, okay, $50 million deal, let's go do it, not think twice.   Yeah. I had a similar experience working in, in, big law, doing house flips, doing single family rentals, things like that. And even though my clients are doing 50, a hundred million dollar deals and I'm helping them close those deals, it was just like the mindset shift that, a minute, I can do those deals too. I'm actually giving them advice on how to, how to do this thing. I need to step up my game and, and, take some.   Exactly, it's the difference between people doing a hundred million, a hundred thousand, it's all mindset.   Seth Bradley (48:00.866) Yep, absolutely. What's one actual step our listeners can do right now to start creating more freedom.   take action. So the biggest thing that I see stopping people is just this fear to take the first step. And I know this doesn't apply to a lot of your listeners, but I talked to a lot of people who want to get into house flipping or they want to get into rentals and they've been thinking about it for years and they just never take that first step and then they end up giving up. One of the the few truisms I see in this business   is that there are two types of people I meet. Number one, I meet people that have never done a deal. They've done zero deals. And maybe they're still working on it. Maybe they've given up whatever it is, but they've done zero deals. And then the other type of people I meet in this business are people that have done a lot of deals. They've done five or 10 or 20 or 50 deals. There's one type of person I never ever meet in this business. And that's somebody that's done one deal. Because if you get that one deal, you're gonna get the second and the third and the fifth and the tenth.   Nobody does one deal and then says, okay, that's it, I'm done. can't do this. So what I like to tell people is, and that applies to a lot of things in life. If you can get over the hump and do it once, you're gonna get that snowball effect and it gets easier the second time. It gets even easier the third, it gets even easier the hundred. So don't give up until you achieve that first step or that first iteration of whatever it is you wanna achieve because that's gonna get that snowball rolling.   Yeah. Yeah. We preach that on their show all the time. Just like, you know, just do a deal, just invest in a deal so you can get that experience and it'll just kind of open up your mind to other opportunities. You'll just see opportunity all around you. Once you just do one deal last but not least, how it's passive income made your life better.   Scott (49:51.886) Passive income has given me the ability and the confidence to raise a family. Before this, my biggest concern with raising a family was I didn't want to be, I had, my parents were great, but my parents were always working. And I didn't want to be the same type of father that my parents were. Again, they were fantastic, but I wanted to always be there. I wanted to be at every soccer game, every piano recital.   I wanted to be able to go into school for the parent-teacher conferences. so passive income has really given me the ability to build my life around my family as opposed to building my life around   Love that, love that. It's been fantastic, brother. We're gonna listen and find out more about you.   Yeah, anybody wants to get more info, go to www.connectwithjscott, just letter J, Scott, connectwithjscott.com, and that'll link you out to everything you might wanna find.   Awesome man. Talk soon.   Scott (50:54.945) Awesome. Thanks,   All right, Mr. Jay Scott from Master House Flipper to multifamily syndicator. He's a master of creating profitable, well-oiled business machines. I've been reading Jay's bigger pockets books for years and it's awesome to have the opportunity to have him on the show today. Major key, focus. Focus on transitioning your active income to passive income and don't get distracted. All right, if you're ready for a change, you're ready to take action.   partner with us on one of our next passive real estate deals. Go to passiveincomeattorney.com and join our Esquire Passive Investor Club. All right, kiddos, as always, enjoy the journey.   Thank you for listening to the Passive Income Attorney Podcast with Seth Bradley. Do you want more ideas on how to generate multiple streams of passive income? Then jump over to passiveincomeattorney.com for show notes and resources. Then apply for the private Facebook community by searching for the Passive Income Attorney on Facebook. And we'll see you on the next episode.   Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en J. Scott's Links: https://www.linkedin.com/in/jscottinvestor/ https://www.instagram.com/jscottinvestor/ https://x.com/jscottinvestor https://linktr.ee/jscottinvestor

PHI Studio sponsored today's episode to highlight that they are expanding their location-based entertainment distribution network to the United States with their EXP Rosemont location in the greater Chicago, IL area that is opening to the public on September 26, 2025. They will be launching with a couple of Excurio pieces including The Horizon of Khufu and Life Chronicles that feature large-scale, free-roaming VR guided tours that I've covered previously in episodes #1430, #1431, and #1588. Both Excurio and PHI Studio are interested in collaborating with creators who are interested in creating large-scale LBE experiences that could draw 100-150 people per hour, and you can reach out to Fabian Barati and/or Julie Tremblay on LinkedIn. Excurio will be making their tools and SDK available to third party developers to expand the number content producers creating this type of large-scale work, and PHI Studio continues to do co-productions across a wide range of formats and throughput scales. I'm excited to see PHI Studio continue to build out their independent distribution network across Canada and North America as they continue to produce and distribute their own experiences as well as distribute the best of large-scale, free roaming experience from Excurio. EXP Rosemont will be launching with a couple of Excurio pieces, but I expect them to eventually distribute some of their own large-scale VR and non-VR, immersive works as well. PHI Studio continues to build out their own independent distribution networks, which will provide new outlets and opportunities for immersive stories that have featured on the festival circuit to have a home beyond this more insular XR industry exhibition network. Not all projects will be a good fit for this high-throughput format, but the revenue generated will help support their other more experimental efforts that are helping to push the boundaries of the medium. Look for my more in-depth coverage of Blur coming out here within the next couple of weeks, which was my personal favorite from Venice Immersive and one of the hottest tickets at this years festival. Thanks again to PHI Studio for sponsoring this episode, and keep an eye on this new location in the greater Chicago area (and apparently only a 10-minute ride from O'Hare Airport if you happen to have an extended layover). I'll be diving more into more 30+ hours of coverage from Venice Immersive within the next couple of weeks, likely after I return from Meta Connect. This is a listener-supported podcast through the Voices of VR Patreon. Music: Fatality

Kat Zaccard returns to be silly with us as we discuss Charmed and the aftermath of the series ending.Mag #12 - Forever Phoebe-Contents page-The Bay Mirror-Forever Phoebe-End of an Era/It's a Wrap-Make your own BoS-Poster-Charmed Competition-I'm with Cupid: Victor Webster-Location, Location, Location: Underworld-Desperate and Loving It: Michelle Stafford-Demon Profile: Triad in Perspective-Classic Charmed: Cheaper by the Coven-Ask Brad-Charmed Letters: Show and Spell-Next Issue

In this episode, I'm pulling back the curtain on my upcoming Optimize Her Retreat in Costa Rica — a luxury, science-meets-soul experience for women ready to restore, rebalance, and return home overflowing with energy and vitality. Born from my own journey with gut issues, hormone imbalances, and the exhaustion of early motherhood, I created what I couldn't find anywhere else: a retreat that blends cutting-edge biohacking with deep feminine restoration. Across 5 nights and 6 days, you'll experience farm-to-table meals designed for women's health, daily movement and longevity workshops, healing ceremonies, luxury spa treatments, and personalized support with me. This isn't about fixing yourself — it's about remembering the wisdom already within your body. Spots are limited, and to celebrate my birthday, every woman who joins this weekend will also receive a free $500 LumiVitae hydrogen water bottle delivered before the retreat — so your transformation begins now, not later. I TALK ABOUT:  02:00 – Why I created the Optimize Her retreat 03:15 – Retreat details: Location, travel, and what's included 06:10 – Yoga, movement, farm-to-table meals, and nourishing experiences 06:45 – Luxury spa, sauna rituals, and biohacking therapies 09:45 – Personalized one-on-one consultations before and during the retreat 11:30 – Overcoming blocks: time away from family and financial concerns 14:30 – Birthday bonus: the LumiVitae hydrogen water bottle 21:40 – How misalignments in life show up in the body SPONSORS: Join me in Costa Rica for Optimize Her, a 5-night luxury women's retreat in Costa Rica with yoga, healing rituals, and biohacking workshops—only 12 spots available. RESOURCES: Trying to conceive? Join my Baby Steps Course to optimize your fertility with biohacking. Free gift: Download my hormone-balancing, fertility-boosting chocolate recipe. Explore my luxury retreats and wellness events for women. Shop my faves: Check out my Amazon storefront for wellness essentials. LET'S CONNECT: Instagram, TikTok, Facebook Shop my favorite health products Listen on Spotify, Apple Podcasts, YouTube Music

Whitney shares her path from early house hacking to building a diverse portfolio across asset classes and layers of the capital stack. She explains why express car washes (not gas-station automatics or high-labor full-service models) can be a high-margin, subscription-friendly business—when you buy right, operate at scale, and choose the right corner. We dig into seasonality, water-use rules, equipment choices, and competition, plus how her team centralized third-party management across 30 locations in ~15 communities to gain purchasing power and in-house tech talent. Whitney also lays out how passive investors can evaluate these deals, target a healthy mix of subscription vs. single-pay customers, and balance cash flow today with equity plays when market cycles turn. Key Takeaways Express car wash ≠ automated gas-station bay. It's a long, smart tunnel with minimal staff and strong unit economics. Subscriptions smooth revenue. Targets around 75–80% recurring, while keeping single-pay volume for new-customer flow. Location is everything. Right submarket, right side of the road, and strong daily traffic (convenience wins). Scale matters. Centralized ops, in-house techs, and bulk contracts can lift margins beyond mom-and-pop levels. Risk & fit for LPs. Understand seasonality, local water policy, equipment vintage, and whether you're taking development risk. Portfolio strategy. Diversify across asset classes and up/down the capital stack to ride different market cycles.   - Get Interviewed on the Show! - ================================== Are you a real estate investor with some 'tales from the trenches' you'd like to share with our audience? Want to get great exposure and be seen as a bonafide real estate pro by your friends? Would you like to inspire other people to take action with real estate investing? Then we'd love to interview you! Find out more and pick the date here: http://daveinterviewsyou.com/

In this special event, the boys join David in a Live event on site at Nice ahead of the Ironman World Championships. They discuss recent training, race form, things to watch out for on race day and much more. Thank you to everyone who came out live and the partners that made the event possible. (00:00) Introduction(00:40) How Are the Boys Feeling? (02:49) Super Sunday Session(06:05) How Do You Deal with a Bad Session Close to Race Day(08:14) Training with and Carbon Shoes and Spikes(10:13) How Do the Boys Think the Race Will Play out?(13:12) Advice to Age Groupers for the Course(15:24) Has Kristian Focused on Losing Weight?(17:41) People to Watch Out For Other Than the Norwegians? (19:28) Norwegian Triathlon Progression(20:05) Gear and Things to Watch for From the Boys on Race Day(22:45) Is Gustav Wearing the Cap? (23:28) Balancing Performance and Health(24:58) Do the Boys Have Goals to do Norseman? (25:41) Will the Boys Work Together on Race Day?(27:26) Thoughts on Legacy and Winning in Nice as a Location(29:02) Thoughts on Mental Strength and Managing Mentally when Things HurtThanks to the sponsors of this podcast series:MaurtenTo benefit from the one-time code and get 20% off your next purchase on Maurten.com, simply enter the code “TNMS2” at checkout. The code is applicable once per customer, on all products except the Maurten Bicarb System, valid until 31/12/2025.Maurten WebsiteInstagram: @maurten_officialYouTube: https://www.youtube.com/c/MaurtenOfficialPlasmaideVisit the plasmaide website and use the code “NM15” for a 15% discount on your order.  Website: https://plasmaide.co.uk Instagram: @plasmaide Youtube: https://www.youtube.com/@plasmaide Hosted, edited and produced by Dr David LipmanEditing, video and introduction by Roj Ferman

In this Episode, I remember a fascinating young man whose life was cut short to an assassin's bullet in Utah. Charlie Kirk led a younger generation back towards morality and truth with his college campus tours which took him across America to spread Conservatism and Christian beliefs. He wasn't a politician or in Gov't but still the centre piece and pulse of the younger branch of the Republican Party. On September 10th, Charlie Kirk was shot and killed leaving behind his wife and two children. His haters celebrated. The Mainstream Media politicized his death while his supporters and followers were left in shock. This Episode is Sponsored By: www.lesdeliceslafrenaie.com  Now with a 7th Location in Magog!  IG: @deliceslafrenaie @lafrenaiebrossard The Drive By® Podcast is Brought to you by: www.ownspace.com *the views and opinions expressed on this podcast are of the speakers and do not necessarily reflect the views or positions of paid sponsors. The Drive By-Music-Intro/Extro https://open.spotify.com/track/2tAF0OfAhHdY76D9yCZ0T7?si=12de8dcd0d904211                          

This is Part Two of Two of The Twilight Sex Killer. On Monday 19th of February 1962, the same day that Norman Rickard's body was found, 23-year-old Alan Vigar, who was also a quiet, handsome and secretly-gay man was strangled to death in the privacy of his flat by a tall and attractive man that the Police believe he too had picked up in Piccadilly Circus. Both men had invited their killer in, undressed, willingly been tied up and asphyxiated as part of this sex play. The press dubbed him the Twilight Sex Killer. But who was he? · Location: first floor (front), 29 St George's Drive, Pimlico, London, UK, SW1· Date: Tuesday 20th of February 1962, body found· Victims: Alan John Vigar· Culprits: ? Murder Mile is one of the best UK / British true crime podcasts covering only 20 square miles of West London. Triple nominated at the True Crime Awards and nominated at the British Podcast Awards. It is researched, written and performed by Michael of Murder Mile UK True Crime Podcast with the main musical themes written and performed by Erik Stein and Jon Boux of Cult With No Name and additional music, as used under the Creative Commons License 4.0. A full listing of tracks used and a full transcript for each episode is listed here and a legal disclaimer. For links click here To subscribe via Patreon, click here Support this show http://supporter.acast.com/murdermile. Hosted on Acast. See acast.com/privacy for more information.

Charlie Eisenhood and Josh Mansfield predict where the 2028 PDGA Pro World Championships and 2027 European majors will be held before diving into a big 30 Second Rule segment.0:00 2028 Worlds Location Prediction16:20 2027 European Major Prediction22:00 30 Second Rule: WR Jackson, TD Rating, Throw For More32:40 Lätt & Too Early Contract Watch

In this episode, Kyle introduces his "Restaurant Site Profitability Calculator". He emphasizes the need for operators to understand key financial metrics such as rent to sales ratio and sales to investment ratio. By leveraging these tools, you can make informed decisions about site evaluations and avoid costly mistakes.Do NOT sign a lease with out using this!Chapters00:00 Introduction to Real Estate Investment in Restaurants02:38 Utilizing the Restaurant Profitability Calculator05:51 Understanding Key Financial Ratios08:47 Evaluating Site Performance and Investment Risks11:39 The Importance of Accurate Financial Projections

WWE news plus MLB scores

In this episode of the Real Estate Pros Show, host Erika interviews Joel Owens, a seasoned expert in commercial real estate, particularly in triple net properties. Joel shares his journey from the restaurant industry to becoming a successful real estate broker, emphasizing the importance of location and market dynamics in investment strategies. He discusses the appeal of triple net properties for passive income and the significance of understanding the market to navigate challenges effectively. Joel also shares valuable lessons learned from his experiences in the field, highlighting the importance of building long-term relationships with clients and the critical role of location in real estate investments.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Risen Nation Church is united by a vision to see the fulfillment of Acts 15:16—the rebuilding of David's tabernacle. Our deepest desire is to create a space where we can minister to the Lord through worship and where people can become a true dwelling place for His presence.   Join us in worship:  Sundays at 10:00 am (Doors open at 9:00 am)    Location: 1711 Keller Pkwy, Keller, TX 76248    Text “dallas” to (817) 587-1735 for updates.   Support Our Mission: Help us grow and reach more people.  Give here(https://www.risennatio...)

On-Location Interview with Zeke Stout, Modern Gun School, from the 2025 GOALS in Knoxville, TN. Zeke Stout of Modern Gun School (MGS) is the former Host and celebrity judge for the competition series, “Master of Arms” on the Discovery Channel. Zeke is a certified firearms specialist. He has served as an executive at one of the largest firearms, technology, and gunsmithing schools in the country. In that role, he was certified as a higher education professional in leadership, an Armorer in several platforms, including the 1911 and Penn arms grenade launcher. Gun Owners of America's GOALS (Gun Owners Advocacy and Leadership Summit) is an annual event that unites grassroots activists, industry leaders, and 2A advocates for powerful training, networking, and strategy sessions to advance gun rights and protect freedom nationwide. Originally Aired 9.10.25

In this Episode, the geniuses pushing the Global Warming Narrative blame the climate for people eating way more junk food like ice cream and pop. You can't make this stuff up. Plus. A few more rants against the machine. Followed by a few more rants. Then, a couple of more rants! Finally, compassion and gratitude.

Special guest Thoa Nguyun from Bánh & Butter Bakery Cafe is joining us to talk about her unique bánh mìs, her family's collection of amazing Denver restaurants, the struggle of owning a small business on Colfax during major construction, and of course about her part in the Denver Inner City Parish's Quesadillas for Good fundraiser!   As always, we've got the top Denver news and things to do on our radar this week as well.   Banh & Butter Bakery Cafe   Quesadillas for Good @ Denver Inner City Parish   Follow RGD: YouTube: https://www.youtube.com/channel/UC8u8GmvBi6th6LOOMCuwJKw Instagram: https://www.instagram.com/real_good_denver/ TikTok: https://www.tiktok.com/@realgooddenver   Ryan's Takes   Colorado Start Up Week + Schedule   Tom's Takes   Developing Denver   F1 Arcade is open tomorrow   Broncos confirm Burnham Yards as preferred site for new stadium   New Developing Denver Website     Events:   Sammy Virgi @ Civic Center Park   Pacific Nations Cup @ Dicks Sporting Goods Park   DAS Public Nights @ Observatory Park   Red Rocks Schedule     Do you have a Denver event, cause, opening, or recommendation that you want to share with us? We want to hear from you! Tell us what's good at tom@kitcaster.com. ​​   Music produced by Troy Higgins   Goodboytroy.com  

In This Episode: We welcome Dr. Thanh Mai—optometrist, educator, speaker, and practice owner based in Orange County, California. Dr. Mai reflects on his personal experience with childhood myopia, how it inspired his career path, and the steps he's taken to grow from a single cold start into multiple thriving practices. He also shares insights on myopia management, leadership, and expanding through acquisitions while keeping patient care as the top priority.Guest:Dr. Thanh Mai, OD, is the Co-Founder of Insight Vision Center Optometry and serves as Vice President of Clinical Innovation at Treehouse Eyes. He graduated summa cum laude from the Southern California College of Optometry and earned his undergraduate degree at UCLA on a full scholarship. Specializing in myopia control and advanced corneal disease management, including keratoconus and corneal transplants, Dr. Mai is also a mentor and leader committed to advancing patient care, supporting fellow optometrists, and shaping the future of eye care.Key Points & Highlights:Why childhood myopia is on the rise and what can be done to slow or prevent its progressionKey takeaways from launching a private practice from scratch and shaping its cultureThe real challenges and opportunities of managing and leading a healthcare teamStrategies for practice growth through acquisitions without compromising patient outcomesActionable advice for healthcare providers looking to scale their practices sustainablyLearn More About Weave:Curious about how Weave can transform your practice? Visit us at⁠⁠⁠⁠⁠⁠ getweave.com⁠⁠⁠⁠⁠⁠ to discover more about our services and how we can help you streamline your communications, enhance patient experience, and grow your business.Stay Connected:Don't miss out on any updates or insights. Follow us on social where we share groundbreaking ideas, cutting-edge practices, and insights into the future of healthcare. Connect with us to be part of the conversation that shapes tomorrow's healthcare landscape.Instagram:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠@getweave⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Pinterest:⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠@getweave⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠@weavecommunications⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠@getweave⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Weave⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Happy Practice Newsletter:Join our community of professionals and sign up for the Happy Practice Newsletter. Get access to exclusive tips, tricks, and industry insights designed to help you build a happier, more successful practice. Sign up here:⁠⁠https://tinyurl.com/as6p2ps8

Ready to unlock the secrets of where your investments should live? Joshua Barbin dives into the differences between IRAs, 401(k)s, and brokerage accounts, revealing how asset location can impact your financial future. Discover the pros and cons of traditional vs. Roth IRAs, the power of employer matches, and smart strategies for maximizing retirement savings—all in clear, actionable language Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is the wrong strategy for your GI Bill costing you over $100,000?! Today's guest is Kate Horrell, author of the new book "College Finances for Military Families," reveals why the "fair share" approach to education benefits might be the most expensive mistake military families make, GI Bill basics, and all the things to know about college for your military kids. Key Topics: GI Bill Transfer Strategy Why transferring your GI Bill at exactly 6 years of service is important The one-time 4-year service obligation that trips up many service members How to add dependents and redistribute benefits after initial transfer Documentation tips to protect your family's benefits Beyond Equal Distribution Real case study: How strategic planning saved one family $110,000 Why thinking "flexibly" about family resources beats rigid equal splits When to give one child the entire GI Bill and another child all the 529 funds 529 Plans and Military Families State residency confusion solved for military families Qualified expenses include K-12 private school, technology, and more How grandparents can contribute while maximizing tax advantages Why "it's too late to start" thinking costs families money Yellow Ribbon Program Essentials The motorcycle and sidecar analogy that clarifies everything (Yellow Ribbon always goes along with the GI Bill- can't be separate) How "full Yellow Ribbon" schools eliminate out-of-pocket tuition costs Maximizing Benefits for Veterans Why veterans aren't optimizing their benefits like military families do Strategic timing for undergraduate vs. graduate school usage Location arbitrage opportunities with Military Housing Allowance Links mentioned today: Kate's website: katehorrell.com Kate's book: "College Finances for Military Families" (available on https://www.katehorrell.com/books/ or Amazon) Kate's amazing resources include:  Military Family Confidently Prepared Life Binder katehorrell.com/confidently-prepared-life-binder/ Military Separation Checklist katehorrell.com/military-separation-checklist/ Military Retirement Checklist katehorrell.com/military-retirement-checklist/ Kate's LinkedIn linkedin.com/in/katehorrell Kate's Facebook facebook.com/KateHorrellFinanceExpert/ Kate's Instagram: instagram.com/realkatehorrell/ Kate's coaching services and free consultations at katehorrell.com/work-with-kate/ Bottom Line: Stop thinking about education benefits as individual entitlements and start thinking about them as family resources to be strategically deployed. The difference could save your family tens of thousands of dollars.   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

On-Location Interview with Dan Wos, Author of Good Gun Bad Guy, from the 2025 GOALS in Knoxville, TN. Dan Wos is a nationally recognized 2nd Amendment advocate and Author of the “Good Gun Bad Guy” – book series. He is a contributing writer for AmmoLand News, Daily Caller, Truth About Guns and several other publications. Dan can be found on radio stations across the Country speaking on behalf of gun-rights and exposing the strategies of the anti-gun crowd. Dan is also the Host of “The Loaded Mic” and has been a guest on the Sean Hannity Show, Armed American Radio, NRATV and many others. Gun Owners of America's GOALS (Gun Owners Advocacy and Leadership Summit) is an annual event that unites grassroots activists, industry leaders, and 2A advocates for powerful training, networking, and strategy sessions to advance gun rights and protect freedom nationwide. Originally Aired 9.8.25

Pressure can reveal the strength of the foundation you're standing on. What if you could build your life on something unshakable? What if you could form a faith that doesn't flinch in the face of adversity -- allowing you to remain strong, steady, and locked in?  Join us as we walk through the book of Hebrews and learn to have faith that stands firm when everything else falls apart.DISCUSSION QUESTIONS: CLICK HEREH.E.A.R. JOURNAL: CLICK HEREABOUT FEARLESS CHURCHFearless Church is here to help you live boldly for Jesus. Wherever you are in your faith journey, we'll walk with you as you grow, take your next step, and make a difference. Let's pursue a movement of faith together that changes lives—starting with yours! LOCATION & TIMES2601 E. Alex Bell Road, Dayton, OH 45459 Sundays - On-campus: 9:30 & 11 AM | Online: Facebook & YouTube at 11 AM. Get more info about us at befearless.org.FIND US ON SOCIAL MEDIAFacebook: https://www.facebook.com/FearlessChurchOhioInstagram: https://www.instagram.com/fearlesschurchohio/YouTube: www.youtube.com/@FearlessChurchOhio

What's your son's default location? Jackson, a 16 year old, was tinkering on his car in the garage when his mom brought her laptop out and set up a makeshift desk. She didn't say much– just did her work and asked Jackson, once, what he was working on. When she left an hour later, both she and Jackson were smiling. She had keyed into a secret of parenting a teen boy– figure out his default location, and be there. It may be the garage, the gym, the football field, or by a gaming console. Be tactful— don't interrupt, ask annoying questions, or show up every single night. Give yourself a task and a time limit. Done in the right way, this tactic can help your teen boy feel seen and loved. For more ideas on raising boys to be godly men, visit Trail Life USA or RaisingGodlyBoys.com.

Tony Coulombe (Warrenton Location)Series: Missions SeriesTopic: All In-- Today we announce a few big changes happening as we share our mission as a church and where we are going! Are you All In?Core Text: Isaiah 54:2-3, Matthew 13:31-32Recorded: 9/7/2025For more resources check out evergreenchristian.org or our YouTube page

A meandering walking tour brings sleepy memories as Scooter ponders German restaurants, crossed bridges, and waterfront parks.This episode was recorded on location, so it sounds a little different. It's still sleepy but does contain background noise (cars, nature sounds, wind, etc). These noises can sometimes get a little loud. This episode may not be sleepy for all listeners.Start a 7 day FREE trial of Sleep With Me Plus- The ultimate way to listen to show, based on how YOU listen! Get your Sleep With Me SleepPhones. Use "sleepwithme" for $5 off!!Are you looking for Story Only versions or two more nights of Sleep With Me a week? Then check out Bedtime Stories from Sleep With MeLearn more about producer Russell aka Rusty Biscuit at russellsperberg.com and @BabyTeethLA on IG.Show Artwork by Emily TatGoing through a hard time? You can find support at the Crisis Textline and see more global helplines here.HELIX SLEEP - Take the 2-minute sleep quiz and they'll match you to a customized mattress that'll give you the best sleep of your life. Visit helixsleep.com/sleep and get a special deal exclusive for SWM listeners!ZOCDOC - With Zocdoc, you can search for local doctors who take your insurance, read verified patient reviews and book an appointment, in-person or video chat. Download the Zocdoc app to sign-up for FREE at zocdoc.com/sleep PROGRESSIVE - With the Name Your Price tool, you tell Progressive how much you want to pay for car insurance, and they'll show you coverage options that fit your budget. Get your quote today at progressive.comQUINCE - Quince sells luxurious, ethically-made clothes and bedding at an affordable price. Transition your bed for the season with soft, breathable bedding from Quince. Go to Quince.com/sleep to get free shipping and 365-day returns on your next order. ODOO - Odoo is an all-in-one management platform with a suite of user-friendly applications designed to simplify and connect every aspect of your company in one, easy-to-use software. Odoo is the affordable, all-in-one management software with a library of fully-integrated business applications that help you get MORE done in LESS time for a FRACTION of the price.To learn more, visit www.odoo.com/withme Learn about your ad choices: dovetail.prx.org/ad-choices

We're back with Part Two of the Digital Nomad Location Awards...and this time we're giving shoutouts to the places that stood out for food, vibes, community, and more.If you've ever wondered where nomads go for the best meals, the most inspiring environments, or the strongest sense of belonging, this episode has you covered. Grab a drink (we did

Action Church exists to REACH people where they are and CONNECT them to everything God has for their life. If you gave your life to Christ today, we would love to partner alongside you to walk you through next steps. Please let us know about your decision here: theactionchurch.com/card If you want be a part of the mission of Action Church to REACH people where they are and CONNECT them to everything God has for their life, you can be a part by worshiping God with your giving through Action Church by visiting: theactionchurch.com/give Stay Connected - Find a Location and Service Time Website: theactionchurch.com Instagram: instagram.com/theactionchurch Facebook: facebook.com/theactionchurch

Risen Nation Church is united by a vision to see the fulfillment of Acts 15:16—the rebuilding of David's tabernacle. Our deepest desire is to create a space where we can minister to the Lord through worship and where people can become a true dwelling place for His presence.   Join us in worship:  Sundays at 10:00 am (Doors open at 9:00 am)    Location: 1711 Keller Pkwy, Keller, TX 76248    Text “dallas” to (817) 587-1735 for updates.   Support Our Mission: Help us grow and reach more people.  Give here(https://www.risennatio...)

Risen Nation Church is united by a vision to see the fulfillment of Acts 15:16—the rebuilding of David's tabernacle. Our deepest desire is to create a space where we can minister to the Lord through worship and where people can become a true dwelling place for His presence.   Join us in worship:  Sundays at 10:00 am (Doors open at 9:00 am)    Location: 1711 Keller Pkwy, Keller, TX 76248    Text “dallas” to (817) 587-1735 for updates.   Support Our Mission: Help us grow and reach more people.  Give here(https://www.risennatio...)

Risen Nation Church is united by a vision to see the fulfillment of Acts 15:16—the rebuilding of David's tabernacle. Our deepest desire is to create a space where we can minister to the Lord through worship and where people can become a true dwelling place for His presence.   Join us in worship:  Sundays at 10:00 am (Doors open at 9:00 am)    Location: 1711 Keller Pkwy, Keller, TX 76248    Text “dallas” to (817) 587-1735 for updates.   Support Our Mission: Help us grow and reach more people.  Give here(https://www.risennatio...)

Find more information at: www.destinychurch.com Service Times: Weekend - Sun 10am Location: 1700 S. Aspen Ave. Broken Arrow, OK 74012 Phone: (office is open Monday-Thursday) 918-259-9080

9/7/2025 – Radical Outpouring – Joel 2:18–3:21 – Pastor Joshua Kennedy – Radical Change Series

A quel moment faut il investir à l'étranger.Les workshops : https://firefrance.substack.comCet épisode est sponsorisé par Monsieur Hugo, logiciel de gestion locative. Il te permet entre autre de faire des prélèvements de loyers, d'économiser des frais de gestions, d'avoir accès à un service juridique. Tu peux le tester gratuitement: https://www.monsieurhugo.com/?utm_source=fire&utm_medium=victor&utm_campaign=loraMa newsletter:https://firefrance.substack.com/Tu veux en savoir plus sur notre coaching immobilier:https://www.fireclub.training/startTu veux en savoir plus sur notre coaching rachat d'entreprise:https://www.fireclub.training/masterclass-reprendreuneentrepriseTu veux en savoir plus sur notre coaching solopreneur:https://www.fireclub.training/freelancesolopreneurHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

On-Location Interview with Michael Sodini of Walk The Talk America from the 2025 GOALS in Knoxville, TN. Micheal talks about an exciting benefit auction that everyone can help support! Hosted by Pot Of Gold Auctions, this online only auction is an Annual effort an is 100% supported by the Firearms Industry and YOU! And 100% of the realized auction prices to directly to WTTA to further their life-saving mission. And, don't miss the SPECIAL GUEST APPEARANCE by ZEKE STOUT! Walk the Talk America (WTTA) believes that by improving the quality and availability of mental health resources to gun owners we can reduce suicide by firearm. WTTA is paving the way by educating mental health professionals about gun culture and breaking negative stigmas around mental health for gun owners. They are saving lives. Gun Owners of America's GOALS (Gun Owners Advocacy and Leadership Summit) is an annual event that unites grassroots activists, industry leaders, and 2A advocates for powerful training, networking, and strategy sessions to advance gun rights and protect freedom nationwide. Originally Aired 9.5.25

09/05/25: Joel Heitkamp is joined in the KFGO studio by Matthew Carlson, the owner of Fix It Forward Auto Care and President of Fix It Forward Ministry. They talk about the work that Fix It Forward does and their new location in Fargo. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.

In this Episode, a Canadian Police Chief says you shouldn't fight back if someone enters your home, Instead, you should just comply! We have the dumbest politicians from coast to coast! Why do so many Liberals want Trump dead?  The hypocrisy of boycotting all American Products while still watching the NFL? The Politics of Convenience. This Episode is Sponsored By: www.lesdeliceslafrenaie.com  Now with a 7th Location in Magog!  IG: @deliceslafrenaie @lafrenaiebrossard The Drive By® Podcast is Brought to you by: www.ownspace.com *the views and opinions expressed on this podcast are of the speakers and do not necessarily reflect the views or positions of paid sponsors. The Drive By-Music-Intro/Extro https://open.spotify.com/track/2tAF0OfAhHdY76D9yCZ0T7?si=12de8dcd0d904211                                

This is Part One of Two of The Twilight Sex Killer. On Monday 19th of February 1962 at roughly 4pm, two police constables entered the basement flat at 264 Elgin Avenue in Maida Vale seeking the occupant (Norman Rickard) who had vanished without a trace. It began as a simple missing person's report for a man who kept to himself, and it would end in the hunt for a sadistic killer who stalked the city's gay men.· Location: basement flat, 264(A) Elgin Avenue, Maida Vale, London, UK, W1· Date: Monday 19th of February 1962, body found at 4pm· Victims: Norman Edward Rickard · Culprits: ?Murder Mile is one of the best UK / British true crime podcasts covering only 20 square miles of West London. Triple nominated at the True Crime Awards and nominated at the British Podcast Awards. It is researched, written and performed by Michael of Murder Mile UK True Crime Podcast with the main musical themes written and performed by Erik Stein and Jon Boux of Cult With No Name and additional music, as used under the Creative Commons License 4.0. A full listing of tracks used and a full transcript for each episode is listed here and a legal disclaimer.For links click hereTo subscribe via Patreon, click here Support this show http://supporter.acast.com/murdermile. Hosted on Acast. See acast.com/privacy for more information.

Today we are talking about a deal we recently raised for, mostly so you can understand some of the things that happen behind the scenes and why we decided to have this be our first syndication for 2025.Read this episode here: https://tinyurl.com/2km2c2k9Why did it pass our test besides the fact that these partners have a great track record and having exited 4 deals with them?1. Low vacancy. There is a shortage of small bay industrial in the Phoenix market, people have been building large bay industrial. For the small tenants that need a smaller space, the available inventory is very low.2. Leases expiring and below market. A lot of the tenants had their lease expiring during our ownership, and the vast majority is below market, one of the largest tenants in the property with the biggest rent upside, already decided to not renew. We underwrote them not renewing a year from now, and they are significantly below market.3. IG Leases. All of the tenants except one are on industrial gross (IG) leases. We are converting all of the tenants to NNN leases. This will also increase the bottom line for our investors.4. Prohibited cost to build. Besides the market having very low vacancy, the vast majority of tenants being between 30 to 70% below market, and the leases expiring in the next 24 months, small bay industrial is cost prohibited to build. It costs more to build than the rents that you're going to get. We are purchasing the property at a significant discount to replacement cost. The property was built in 1999 and it looks really good.5. Location. The property has freeway visibility and is right next to the freeway exit.6. Market. Phoenix is a phenomenal market. It has a 16% population growth since 2010, a job growth of 45 to 50% since 2010. The personal income tax is very low at 2.5%. They're exploding in terms of plants, campuses, and jobs being created in the area. There is a $65 billion chip plant being created next to the property. There is a $20 billion Intel expansion. These are all creating jobs, which is always a great sign of a phenomenal market to be in.Final ThoughtsThe raise took a little bit longer than what we thought it was going to take. We did not finish the entire raise and still have a couple million to go, however, we did manage to close on the property and the couple million that we have to go is mainly for reserves, so that still needs to be finalized.Commercial Real Estate Tips Learned Recently:Turn expense into income: e.g., rent dumpster out.You can open a Senior Living home in any state if one tenant has a disability due to the ADA / Fair Housing Act.Always over-raise in case investors don't send funds.If a deal blows up, attorney often refunds fees (to keep you as a client).When you refinance, you don't pay taxes. This means you can cash out of a property, or get a line of credit, and buy another property without paying taxes on that down payment. Make sure you are comfortable with the LTV's when you cash out.Interest rates are always negotiable, you can get ~0.25% interest rate break if you open a checking/savings with lender.When developing a property from the ground up, always assume that the piece of land has all of these: endangered species, wetlands, easements, utility issues, trees – until proven otherwise. This means you need to get all of these reports and surveys done (amongst many other things)) before purchasing a piece of land for development.Join our investor club here: https://montecarlorei.com/investors/

“I was able to reach Baskerville Hall” [HOUN]  There are a handful of locations in the Sherlock Holmes stories that are regularly sought out by fans. Of course 221B Baker Street is at the top of the list, along with the Reichenbach Falls. For those who venture to the west, Baskerville Hall is always a source of inspiration.   But where exactly was it? Scholars have been debating that subject for decades, and in 1979 Howard Brody, BSI ("Anstruther") won the Morley-Montgomery Award for his paper that attempted to settle the matter. It's just a Trifle.   If you have a question for us, please email us at trifles@ihearofsherlock.com. If you use your inquiry on the show, we'll send you a thank you gift.   Don't forget to listen to "Trifling Trifles" — short-form content that doesn't warrant a full episode. This is a benefit exclusively for our paying subscribers. Check it out (Patreon | Substack).   Leave Trifles a five-star rating on Apple Podcasts and Spotify; listen to this episode here or wherever you get podcasts   Links The Morley-Montgomery Award The Morley-Montgomery Award series of episodes (Patreon | Substack) Baskerville Hall Hotel All of our social links: https://linktr.ee/ihearofsherlock Email us at trifles @ ihearofsherlock.com    Music credits Performers: Uncredited violinist, US Marine Chamber Orchestra Publisher Info.: Washington, DC: United States Marine Band. Copyright: Creative Commons Attribution 3.0      

This episode is like no other.  In this episode of Talking Smack 415, Jamie the great and I sit down with Dawn Geller.  Dawn recently experienced every mother's worst nightmare, the sudden tragic death of her 20 year old son Dylan. This interview is raw, the pain cuts through your soul, and Dawn is beyond courageous to share her story.  We retrace the phone calls and the experience the day of Dylan's deathWe dive into grief and grief counseling We talk about the funeral and being supported by a village And we remember Dylan - the light he was in the world, how he lived with compassion, resilience, a deep commitment to helping others, and he always rooted for the underdog. He leaves behind his legacy and  continues to sprinkle his fairy dust ( as Jamie the Great says) through the Do it Like Dylan Non Profit .Do It Like Dylan was established by the siblings of Dylan Geller to honor his memory. Their mission is to advance Epilepsy research, provide scholarships for students pursuing degrees in Special Education, and advocate for critical Epilepsy safety legislation. Through these efforts, the family strives to continue Dylan's legacy of kindness, inclusion, and lasting impact.You can donate here or volunteer here . In addition through Dylan's organ donations he saved 150 lives that night. If you happen to be one of the lucky recipients of Dylan's organs please reach out.  The family would love to meet you.    It's a heartbreaking and uplifting episode, grab your tissues .May his memory be a blessing. זיכרונם לברכה / zikhronam livrakhaIf you or anyone you know has epilepsy please share this episode and make sure they are wearing a Level 1 Life Jacket in the water- it's life saving and will turn most unconscious wearers face-up in water. It's not epilepsy that kills you it's what you're doing when epilepsy strikes that kills you. Learn more about Do it Like Dylan on facebook & InstagramPS- SAVE THE DATE - The Do It Like Dylan 5k run/ family walk is Saturday, November 15th.  Location information to come.  Share this episode with your friends and family who love to laugh. Subscribe to Talking Smack 415 and leave us a rating and review so more peeps can find us for laughter and friendship to feed your soul!

Action Church exists to REACH people where they are and CONNECT them to everything God has for their life. If you gave your life to Christ today, we would love to partner alongside you to walk you through next steps. Please let us know about your decision here: theactionchurch.com/card If you want be a part of the mission of Action Church to REACH people where they are and CONNECT them to everything God has for their life, you can be a part by worshiping God with your giving through Action Church by visiting: theactionchurch.com/give Stay Connected - Find a Location and Service Time Website: theactionchurch.com Instagram: instagram.com/theactionchurch Facebook: facebook.com/theactionchurch

As many as 140 allotments have been made and 84 lease deeds have been executed for toy factories so far. Under YEIDA guidelines, land is allotted on a lease basis for 90 years.  

Matthew - The King has Come "Location, Location, Location" (Matthew 7:24-29) Sermon Notes August 31, 2025 Russell Howard • Lead Pastor   Presented by McGregor Podcast 2025 Visit Our Website at McGregorPodcast.com