Rockshow episode 159 Nick Lowe. RockerMike and Rob discuss the career of Nick Lowe. Nicholas Drain Lowe (born 24 March 1949) is a British singer-songwriter, musician and producer. A noted figure in power pop and new wave, Lowe has recorded a string of well-reviewed solo albums. Along with vocals, Lowe plays guitar, bass guitar, piano and harmonica. He is best known for the songs "Cruel to Be Kind" (a US Top 40 single) and "I Love the Sound of Breaking Glass" (a top 10 UK hit), as well as his production work with Elvis Costello, Graham Parker, and others. Lowe also wrote "(What's So Funny 'Bout) Peace, Love, and Understanding", a hit for Costello and "I Knew the Bride (When She Used to Rock 'n' Roll)", a hit for Rockpile bandmate Dave Edmunds. He lives in Brentford, London, England. http://nicklowe.com/ https://m.facebook.com/nickloweofficial https://music.apple.com/us/artist/nick-lowe/471958 https://m.imdb.com/name/nm0523013/ https://m.soundcloud.com/nick-lowe Park Dental Care 12419 101st Ave South Richmond Hill Queens (718) 847-3800 https://www.718DENTISTS.com https://lynyrdskynyrd.com/ https://m.facebook.com/LynyrdSkynyrd https://open.spotify.com/artist/4MVyzYMgTwdP7Z49wAZHx0 https://www.rockhall.com/inductees/lynyrd-skynyrd https://www.rollingstone.com/feature/remembering-lynyrd-skynyrds-deadly-1977-plane-crash-2-195371/amp/ https://mobile.twitter.com/skynyrd?lang=en https://www.instagram.com/skynyrd/?hl=en #musicvideo #musicstudio #musiclover #musiclife #musicindustry #musiclovers #musiccover #musician#Alicecooper #musicproducer #musicproduction #musicians #musicislife #musicartist #musicphotography #musicvideos #Music #drummer #Guitar @drummers @spotify @twitter #grammy @grammy @CrueltoBeKind @#NickLowe @NickLowe #CrueltoBeKind Please follow us on Youtube,Facebook,Instagram,Twitter,Patreon and at www.gettinglumpedup.com https://linktr.ee/RobRossi Get your T-shirt at https://www.prowrestlingtees.com/gettinglumpedup And https://www.bonfire.com/store/getting-lumped-up/ https://app.hashtag.expert/?fpr=roberto-rossi80 https://dc2bfnt-peyeewd4slt50d2x1b.hop.clickbank.net Subscribe to the channel and hit the like button This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/rob-rossi/support https://itunes.apple.com/us/podcast/getting-lumped-up-with-rob-rossi/id1448899708 https://open.spotify.com/show/00ZWLZaYqQlJji1QSoEz7a https://www.patreon.com/Gettinglumpedup --- Support this podcast: https://anchor.fm/rob-rossi/support
Historically, fast-fashion retailers have dominated clothing designed for tween and teen girls. Yet, Gen Z, more than any other generation, is known for its environmental consciousness, leaving young shoppers torn between buying affordable, trendy clothes or staying true to their eco-conscious values. With a mission to provide socially and environmentally conscious clothing at a more affordable price point than designer teen labels, Woodley + Lowe was founded in 2020 by two moms, Rachel Thebault and Neda Talebian Funk. “We try to be mindful of who our customer is and that her hard-earned babysitting money needs to go a long way,” said Thebault on the latest Glossy podcast. After experience shopping for their own daughters, the co-founders were frustrated with the archaic sizing recommendations for teen girls' apparel. “The problem we especially saw with tweens was that these girls are growing at very different times from each other and they're growing in different ways,” said Thebault. The pair developed a proprietary sizing scale, which bridges the gap between teen and women's clothing and allows consumers to grow into the brand at their own pace. To resonate with its Gen-Z target demographic, Woodley + Lowe created a robust ambassador program, consisting of brand representatives in high school and college. The ambassadors work to foster a community of fans who are educated on buying quality, long-lasting products and are encouraged to think about how and where their apparel is made. The brand has notably found success in the athleisure space, with the pandemic boosting sales for the entire industry. However, Thebault and Talebian Funk see category expansion in Woodley + Lowe's future, while continuing to take a thoughtful approach to teen fashion. Talebian Funk said the brand is planning to build content libraries based on how Gen Z consumes information, including providing interactive and video-based options. And, a potential brick-and-mortar store and brand collaborations are on the docket to continue to drive brand awareness. “From the early days, we've thought, ‘How do we become a Goop for this generation?,'” said Talebian Funk.
In today's podcast, we are talking with Celia Van Wickel, Kantar's eCommerce and digital commerce expert, leading syndicated insights focused on digital commerce trends, including last-mile delivery players and Amazon. Celia and Kiri talk about takeaways from Kantar's Digital Commerce Conference. Celia is an insights veteran who has focused on shopper and omnichannel insights in her time with Cars.com, Walmart, Lowe's, and Mattel. Prior to Kantar, Celia was with Coca-Cola where she was the eCommerce insights lead, influencing eCommerce, DTC, and digital foodservice strategy. Celia has been quoted in various industry publications such as Grocery Dive and Business Insider and is an active contributor on LinkedIn focused on the latest digital commerce news.
Aaron Lansberry is a specialist Junior Coach based out of Stonebridge Golf Club. He is a Director of Ignite Golf which are on a mission to create as many life-long golfers as possible. Aaron wants to create tomorrow's golfers and that starts with Junior Golfers. In this episode we talk about why some Golf Clubs don't encourage younger players, Aaron also wishes his experience of being a Junior Golfer had been more enjoyable. More about Ignite Golf: https://ignitegolf.co.uk/juniors Do remember to check Off Scratch Golf - Performance Coaching for ALL Golfers - head over to https://offscratchgolf.com If you have enjoyed this episode please like, follow leave 5 stars on Spotify and of course comment. You can find me socially at: https://www.instagram.com/pro_fitgolf More About Aaron: "My real passion. I have been coaching children for all of my career. I love to see juniors become as passionate about golf as me. I have a modern coaching style for children to make sessions thoroughly enjoyable, truly engaging & great for learning new skills. I want to help your son/daughter learn vital life skills, find a new passion and play loads of golf!"
Season 2 Episode 2 : Feed Them Kids Dennis: Welcome to the Side Jawn, I am your host Dennis the Ingnoranthinkerspodcast Holmes. I'm here with my co-host Sharon the Chocolate Girrrrrrrrrrrrrrrl! Say it right Dennis. How you doing Chocolate Girl? Sharon: Tells how she is doing and recaps her week. Throws it back to Dennis. Dennis: Let's give our Thoughts on The Internet Biggest Headline The McDonald's Co Parent Problem Dear Side Jawn: tonight I was just in Lowe's (Home Improvement) and a child walks up to me and asks for help. I'm kind of shook. He came right up to me and asked me for cash for food. This kid was about 10 years old. When I said I didn't have cash, he asked me if I had CashApp. I asked him where his parents were and he said they were "at the hotel". I asked him if he was alone and he said that he was with his sister. I asked him if he was in any kind of trouble and he said no. I told him that he should not be asking strangers for money because it wasn't safe. But what I'm really concerned about is why parents would be sending a 10 year old into a store to beg for money. What would you do if this happened to you? It's just not normal for parents to send their children to ask for money from strangers, is it? I know that times are hard. I know that people are struggling. And it's about to get a whole lot worse for poor and struggling families. Dear Side Jawn: I am divorced and remarried. My exhusband has remarried as well. We have 1 child together. Both our families now are blended families. My ex-husband got a new job and the court sent me a letter saying there will be a hearing to increase the $69/month child support I was getting. My new husband and I are financially doing very well, and we really don't NEED an increase. So when I went to court, that's what I told the judge. But no, they were really trying to insist that they increase what I get!!! I have to tell them fifty eleven times we do not need it. I brought my new husband's affidavit and tax returns and everything. We are good with the $69 and if anything big comes up we discuss it and my ex contributes. That works for us and I don't see why the court was trying to insist on it. I think I'm right about this. Do I let them increase or do I keep it at $69 since I really don't need it? I think I'm going to keep it at $69. No need to try to punish him or anything. Dennis reacts Sharon reacts Dennis: Shares his thoughts Sharon: shares her thoughts Dennis: Do you have any final thoughts Chocolate Girl? Sharon gives her final thoughts. Sends it back to Dennis. Dennis gives his final thoughts and closes out the show Thank you for Listening make sure you go like and subscribe to all podcast platforms. We are also on YouTube, Instagram, Facebook and Twitter on @Ignoranthinkerspodcast click the link in bio --- Support this podcast: https://anchor.fm/dennis-holmes/support
"I see an enhanced buying opportunity with a 25% pullback on the Home Depot (HD) stock. I think that home improvement may be more resilient than other retailers with a looming recession. Lowe's (LOW) has an advantage over small retailers on securing a supply chain and wide network of holding facilities," says Ken Leon. Next, Kevin Horner examines HD and LOW from a technical analysis perspective.
My guest has been on the show once before along with the senator and we refer to him as Templeton, as in form Charlotte's Web. We've been besties since high school where we were both relatively scrawny, neither of us was on any sports teams but we hung out with a couple of the jocks. We took a bunch of the same college classes together and always talked about our own business partnership firm being called “Wrong and Wronger” and then fill in the blank after that… wrong and wronger accounting firm, wrong and wronger legal consultants, wrong and wronger construction company, you get the idea… whatever we did we would kinda screw it up. His idol back in high school was Woody Allen. Not the pervert Woody Allen, but the Woody Allen that brought us Annie Hall, Play It Again Sam, Manhattan, Sleeper, Bananas, Take The Money and Run. Unfortunately today we can't separate Woody Allen from his sickness, but his work in the 60's 70's and 80's alone was incredible and that… for very understandable reasons is why Woody was my friend's idol. Here Woody in an interview from 1971… But what Templeton was always good at, and still is, he's good at recruiting people into some kind of scheme, like in our 20's we played a LOT of softball. He would recruit a couple of ringers and then get us into a D-league where he would say, “guaranteed sweatshirt”, like that was something to covet… a D-league softball champions sweatshirt. So he's always been known to have some sort of scheme going, an angle or something (bite) We've been roommates, At parties and night clubs we were always, always the wallflowers, and I got to be best man at his wedding. His wife has been a teacher for over thirty years in the public school system… no easy feat. She retired on Friday of last week and we talk about what it takes to be teacher, how highly our society values teachers… at least we say we do, it just isn't reflected in their paychecks. We also talk about our equally… well almost equal ineptitude at being handy around the house. Usually he has the good sense to not even try whereas my ego sends me to Lowe's three times in one day and half a day just to complete a task that a normal human would complete in an hour. This time, however, Templeton has me beat and he shares his misfortune. One of the main things Templeton is absolutely beloved for is in the way he butchers the english language. I have several friends that do that including the senator…. But Templeton does it in a magical way that kept him with his business partner for over 30 years. I don't think he quite demonstrates it fully in this conversation, and if he does I don't call him out on it, but his usual response is, “You know what I meant”. As we start our conversation he is somehow under the impression that we are not recording yet and that at some point we are going to “go live”. I don't think any podcast is live, otherwise it would be a webcast wouldn't it? A husband brags about a retiring school teacher and how NOT to change lightbulb on The Modern Moron, and thanks for listening. CLOSE - Congratulations on 34 years of teaching our little one's. Enjoy a great retirement. Before we part ways I want to keep trying to have a little segment called Moron Chaplaincy or maybe I have to set aside whole episodes for that, but I wanted to tell you about one very small, incident that I thought was going to be fairly routine but it wasn't. Maybe that's one of the things I like about Chaplaincy in a hospital, sooner or later you get something unique, as long as your paying attention. So I'm making my rounds a few weeks ago and usually the door to the patients rooms are open so I can knock gently on the door and see if they're up for a visit. If the door is closed I figure one or both of the patients don't want to be disturbed. For some reason, I knocked on a closed door, opened it and walked into a room with one patient in it. The patient was quite literally chained to his bed. With a chain. Not a strap or restraint, but a chain. And sitting with the patient are two Highway patrol, or if you're not in California a State Trooper. One of them might have been a county Sheriff. I've opened the door and stuck my head in and actually am halfway in the room. So I said something to the effect of, “hey, what's up?” One of the officers stands up and turns to address me so I introduce myself, ‘hello, I'm Charlie the Chaplain or whatever, I didn't say that. But I did identify myself and the officer said it would be fine if I visited the “patient”. So I cross the room, I pull up a chair, and I sit with this guy, a pretty good sized guy… Are you feeling any pain? Where are you from? Does your family know you're here? Not much of a conversation. I asked him if it would be alright if I prayed for him. He said yes. By the way I'm not big on prayer myself but if it's for someone else and they value it, which some really do, I'm happy to do that. As I was leaving that room and walking down the hall, I thought of that incredibly sad hospital room. And it wasn't just the patient chained to his own bed. Were either of those two officers realizing their full potential sitting in that room all… day… long. Staring and scrolling on their phone. Is that what they imagined when they decided to get into law enforcement? I doubt it. I felt bad for everyone in that room. What made me think of this is that today, I'm in one of the units, I'm walking down the all and I'm behind two law officers again. You do see officers around a hospital, particularly the ER Department and the front desk perhaps but not usually IN the hospital. So now I look past the two officers and I see a guy with gray hair, who I think is shuffling along because, that's what patients do in hospitals who have just had surgery and many times they've got their IV stand they're pushing along beside them. This guy has all that and he's shackled AND he's got some contraption around his waist that looks like they've got big brick sized batteries on his sides. AND, there's another officer in front of him. This could have been Hannibal Lecter Junior for all I know. What gray haired man need three armed guards around him when he's already shackled? Jesus, I'm lucky I still have a face. Music: "Lightless Dawn" Kevin MacLeod (incompetech.com); Licensed under Creative Commons: By Attribution 4.0 License; http://creativecommons.org/licenses/by/4.0/
In Episode #12 of Kantar's Retail Sound Bites, hosts Barry Thomas, senior retail thought leader, and Rachel Dalton, head of retail insights, discuss the rise of VR and cutting-edge assortment technology. Also, get timely news and notes in retail, including Lowe's technology, McDonald's franchisee agreements, Canada's ban of single use plastic, and more. This episode also features Kantar's Eric Stenbroten, senior director perfect category and Geoff Wissman, direct perfect category solutions, to discuss recent innovations in assortment and category management technology. Have a topic you would like to see us cover? Share your request by emailing Switchon@kantar.com. News & Notes: https://www.cnbc.com/2022/06/21/canada-is-banning-single-use-plastics-by-the-end-of-the-year-.html https://www.instacart.com/company/updates/expanding-with-walmart-canada-to-launch-a-new-virtual-convenience-store-powered-by-instacart-platform/ https://www.getthegloss.com/news/john-lewis-botox-injectables-tweakments-cavendish-clinic McDonald's is toughening its franchise ownership standards (restaurantbusinessonline.com) Kantar Retail Blogs https://www.cnbc.com/2022/06/21/lowes-expands-into-the-metaverse-with-a-tool-to-help-visualize-projects.html Barry's contact information: firstname.lastname@example.org Barry's LinkedIn Rachel's contact information: email@example.com Rachel's LinkedIn
Sherry Lowe, CMO of Exabeam, joins us this week to talk about marketing strategies during the pandemic as well as representing women in the male-dominated industries of tech and cybersecurity. With CMO experience at Druva, Expanse, and Exabeam, Sherry explains how her encounters with sexism in the cyber industry inspired her to pursue high-level management and board opportunities, including her work with FirstBoard.io, and how she's pivoted to focus on digital marketing during the uncertainty of COVID-19. Timecoded Guide: [01:55] Witnessing changes in cybersecurity marketing tactics and practices as the online and digital world continues to influence our audiences [04:11] Shifting away from events-based marketing budgets during the COVID-19 pandemic and embracing more digital cyber marketing opportunities [08:29] Changing her strategies and altering her marketing budget when joining Exabeam as the CMO, especially considering the timing for the pandemic [15:17] Acknowledging progress being made for women in cyber, while also keeping in mind the impact of the pandemic and the economy on mothers working in tech [20:18] Dealing with sexism and toxicity in the workplace, especially in male-dominated industries, and advocating for more women in marketing and in leadership How has cybersecurity marketing changed from when you started? With a storied career both behind and ahead of Sherry, we were excited to ask her about what she's seen change the most since beginning her career in the cyber industry. Her answer? An increased focus on digital marketing and online content. When Sherry started, websites were not the focus for many cyber companies, versus today where websites are a hugely influential part of the marketing team's job and generates the best leads for the majority of cyber and tech companies. “A really huge shift that I've seen over the years is just how powerful driving prospects to your website is. To interact on the website, not just to land on it and read something, but to actually do something there. Those conversion rates are going to end up being really some of the best leads that you ever see.” Can you pinpoint any specific changes that happened at Exabeam and in cyber marketing, specifically around the pandemic? Although cyber marketing has changed in leaps and bounds since Sherry became a part of the industry, the pandemic brought a huge shift in the marketing perspective and the marketing budget for cyber marketing and for Exabeam. Joining Exabeam during the pandemic, Sherry was admittedly horrified to realize that a large majority of their budget, nearly 80%, was focused on marketing at in-person events. With the pandemic making travel restricted and group gatherings nearly impossible, Sherry quickly pivoted their efforts and their budget to digital marketing, striving to engage customers online and continue to innovate their outreach beyond what it would be in an event setting or at large gatherings. “Cyber security marketing loves the trade show. They love the big box trade show, and it was a forced shift for the cybersecurity industry because COVID changed all of that. If you were not a digital-first marketing organization when COVID hit, you had to do that shift so quickly.” What's the mission of FirstBoard.io, and what ceilings are you trying to break? We've accomplished so much in the cyber world, continuing to bridge the gap between where men and women are represented in the industry. However, Sherry points out that a large majority of company boards fail to provide strong opportunities for women in cyber and in tech. Hoping to give more women the opportunity to serve on their first boards and get a start in leadership in the industry, Sherry became a founding member of FirstBoard.io. “Right now, women are just not as represented as men on boards…and there's a tendency to keep using the same women on boards. So, we're trying to expand it, so that opportunities go beyond just the same four or five women.” Do you have any advice that you could share with people listening today about workplace toxicity and sexism? There's thankfully a lot of emphasis around creating safe work environments for any company, but especially in cyber these days. Unfortunately, Sherry has seen the reality of what it's like to experience unsafe work environments first-hand. After being harassed on more than one occasion by a male coworker, Sherry spoke up and had to cope with the consequences of doing so, losing friends and leaving her job after doing so. As difficult as this situation was, Sherry is thankful for the realization that brought her: she could be a CMO, she could be a leader in cyber, and she could build a safer environment for the women that worked with her. “Everyone always says, ‘If you see something, say something,' but what they don't tell you is the sentence that comes after that: ‘But prepare for the consequences of saying something.' That's the sentence they forget to say after that, and you have to weigh that for yourself.” ---------- Links: Spend some time with our guest Sherry Lowe on LinkedIn Learn more about Exabeam on the Exabeam website and LinkedIn Keep up with Hacker Valley on our website, LinkedIn, Instagram, and Twitter Follow Gianna on LinkedIn Catch up with Maria on LinkedIn Join the Cybersecurity Marketing Society on our website, and keep up with us on Twitter
Til and Whitney compare notes about their tests and techniques for recognizing, understanding, and working with sciatica, sciatic pain, and similar conditions. Download the free technique handout from https://bit.ly/sciatica-handout-68 Get the full transcript at Til or Whitney's sites: Whitney Lowe's online Clinical & Orthopedic Massage Courses Til Luchau's courses at Advanced-Trainings.com Sponsor Offers: Til Luchau's 'Sciatica & Disc Issues' training: save 15% by entering "thinking" at https://a-t.tv/onl2208/. Books of Discovery: save 15% by entering "thinking" at checkout on booksofdiscovery.com. ABMP: save $24 on new membership at abmp.com/thinking. Handspring Publishing: save 20% by entering “TTP” at checkout at handspringpublishing.com. About Whitney Lowe | About Til Luchau | Email Us: firstname.lastname@example.org (The Thinking Practitioner Podcast is intended for professional practitioners of manual and movement therapies: bodywork, massage therapy, structural integration, chiropractic, myofascial and myotherapy, orthopedic, sports massage, physical therapy, osteopathy, yoga, strength and conditioning, and similar professions. It is not medical or treatment advice.)
This episode we were guests on Dr. Barbara Lowe's podcast, Whole Life Podcast! We have a powerful conversation on the impact of getting healing from trauma and the resulting effects it has had on our marriage. Dr. Barbara helped to guide us through this sometimes difficult topic to dissect. We hope this conversation blesses every couple, as well as every single person that is looking for a spouse! Dr. Barbara Lowe is a phenomenal and licensed Psychologist, business owner, life coach, and member of Catch The Fire! Connect with Dr. Barbara Lowe at: www.drbarbaralowe.com Watch and Listen to her podcast: Whole Life Podcast
Today on Sense of Soul Podcast we have Shelley Paxton, Chief Soul Operator, certified professional coach, podcast host and author of Soulbbatical: A Corporate Rebel's Guide to Finding Your Best Life. Forbes # 1 book to read in 2021. Soulbbatical is a way of being and movement inspired by Shelly's personal journey. Shelley Paxton spent 26 years as a highly regarded marketing and advertising executive stewarding some of the world's most iconic brands like Harley-Davidson, Visa, McDonald's, and AOL. Today she is passionately sharing her story through her book and her podcast to impact the world in becoming Chief Soul Officer of their own life, taking responsibility for nurturing both yourself and your soul. As a certified professional coach, she works with individuals, entrepreneurs, and executives at Fortune 100 companies like Lowe's, Inc. and Mars, Inc. Shelley has always been a rebel soul with a nomadic spirit. She's a self-proclaimed Global Citizen having lived in places as diverse as Istanbul, Shanghai, and New York City, and she has traveled to 66 countries and counting, quite a few of them on a motorcycle. (Oh, and she pierced her nose at age 42.) Are you ready to flip the middle finger to the status quo in life and business? Check out her podcast of Rebel Souls Podcast. Liberate Your Soul. Step Into Your Power. Learn more and get this amazing book here https://soulbbatical.com www.mysenseofsoul.com Join our Sense of Soul Patreon!! Our community of seekers and lightworkers who get exclusive discounts, live events like SOS Sacred Circles, ad free episodes and more. You can also listen to Shanna's new mini series, about the Goddess Sophia! Sign up today and help support our podcast. As a member of any level you get 50% off Shanna's Soul Immersion Healing Experience! https://www.patreon.com/senseofsoul
DIY House Medic Podcast Show NotesSponsored by Roy Worley Voice OversSeason: 3Episode: 120Episode Title: July Home Maintenance Checklist, Kool Tools, Menard's Shopping SecretsEpisode Summary:It's that time of the month again. Home maintenance time. Contractor John will walk you through this months checklist. Also a couple Kool Tool recommendations and some double secret Menard's shopping tips that will save you dollars… What the heck I will through in 1 for Home Depot and Lowe's too. Also, the regular segments, prepping for Jeopardy fact of the week, and the tip of the week to ya.Resources mentioned in this episode:Furnace FiltersScrub brush for straightening the fins on your a/c condenser unitDAP concrete and mortar caulkLED Garage/Attic LightHusky Tool ToteDEWALT DCD771C2 20V MAX Lithium-Ion Compact Drill/Driver Kit with DW2166 45-Piece Screwdriving Set 21 Piece Drill Bit SetDiscounted Gift Cards See Contractor John's Updated Show Schedule hereCutting & Charcuterie Boards; Table Saw Creations by Contractor JohnSee some of Contractor John's creatSupport the show
In this episode how the Quintic System helps golfers analyse putting strokes and the roll on the ball. Dr Paul Hurrion specialises in biomechanical analysis using the high-speed cameras, force plates and computers. In the Podcast we find out why balance and stability are so important for putting, how your head position can be crucial to where you see the line on the ball and why it's crucial to get fitted for the correct ball not just the correct putter. Find out more about Paul here: https://www.paulhurrion.com Do remember to check Off Scratch Golf - Performance Coaching for ALL Golfers - head over to https://offscratchgolf.com If you have enjoyed this episode please like, follow leave 5 stars on Spotify and of course comment. You can find me socially at: https://www.instagram.com/pro_fitgolf About Dr Paul Hurrion Paul is a leading biomechanist working with UK Athletics, International Cricket Council (ICC), English Cricket Board, and European Tour Golfers.
Vidcast: https://youtu.be/oHhxkKmtf7M The CPSC and Schneider Electric Technical have recalled Square™ D QO™ Plug-on-Neutral Load Centers, which are known as Load Centers, Breaker Boxes, Electrical Panels. These defective electric breaker load centers overheat leading to burn and fire hazards. About 1.4 million of these gray boxes have been sold in the US and about 289,000 were sold in Canada. They have date codes between 200561 and 220233, were manufactured between February 2020 and January 2022. They were sold at authorized Schneider Electric distributors and home improvement and hardware stores nationwide and online including Home Depot, Lowe's, and Menard's. They were installed in homes, recreational vehicles, and commercial establishments including restaurants, manufacturing facilities, warehouses, commercial lighting, and in other locations. If you recently had an electric panel installed, check the inside panel door for the date code. If your unit may be recalled or if you are uncertain, contact Schneider Electric at 1-888-778-2733 moo arrange for an inspection of the panel by trained electricians to determine whether repair or replacement is required. https://www.cpsc.gov/Recalls/2022/Schneider-ElectricTM-Recalls-1-4-Million-Electrical-Panels-Due-to-Thermal-Burn-and-Fire-Hazards #schneider #loadcenters #overheating #burns #fires #recall
https://wjsbuilders.com/ (Wally Staples) is back. This time, we talk specifics of his employee compensation practices as well as some of his principles for being an "anti-fragile" builder. And don't miss my first interview with Wally, https://www.buildingoptimal.com/episodes/68-ensuring-profitability-and-employees-first-with-wally-staples (#68: Ensuring Profitability and Employees First with Wally Staples). Enjoy the episode! Tools to make more money and grow your biz Need a little help growing your business or making more money at it? In addition to almost 100 free episodes of the podcast, check out https://www.buildingoptimal.com/shop (the Building Optimal Shop), a place where we have business tools for builders and contractors…and the list is growing. Or, if you want full-scale consulting or business startup help, check out our brand new: https://www.buildingoptimal.com/the-builder-accelerator (Building Optimal Business Accelerator) Muchas gracias to our amazing brand partners https://www.lowes.com/l/Pro/pro-benefits (Lowe's and the new Lowe's MVP Pro Rewards Program) https://www.subzero-wolf.com/ (Subzero Wolf Cove) https://www.huberwood.com/ (Huber Engineered Woods) https://ramwindows.com/ (RAM Windows)
Tessa is known as the Sober Mom of Tiktok. She explains how social media communities helped her on her own sobriety journey and how she is helping inspire other women through her raw, real and very relatable videos. Vist www.soberlink.com/asgg for your free guide to building confidence in early recovery.
Episode 111: When Is It Time to Hire a Crisis Management Professional? This episode is brought to you by Fusion Risk Management, Building a More Resilient World Together. Request a demo at https://bit.ly/FusionDECODED today! In this episode, Vanessa shares 13 different reasons to know when it's time to bring in an external crisis management firm to supplement your internal team. Although your team might be prepared for the most obvious catastrophes from natural disasters to data breaches and supply chain disruptions, there are many more risks to assess beyond these, and a crisis management professional can help you with that. Sign up for our Four Corners newsletter for opportunities to connect, access to exclusive content, bonus interviews, and more at https://bit.ly/BRDFourCorners. In this episode, you will learn: How to know when it's time to bring in an external crisis management firm Why you need a crisis management firm in a public relations disaster Why it's important to talk to an external crisis management firm when your company grows to 50+ employees Disaster Recovery Journal: Register for DRJ's weekly (Wednesday) webinar series: https://drj.com/webinars/up-coming/ Register for DRJ Fall 2022: The Evolution of Resilience: https://www.drj.com/fall2022 Asfalis Advisors: Visit our website here: https://www.asfalisadvisors.com Apply to be a guest on the podcast: https://www.asfalisadvisors.com/decoded/ Download the 5 Step Crisis Strategy: https://www.asfalisadvisors.com/services/ Connect with the podcast! Email us: email@example.com Podcast website: https://drj.com/decoded/ Twitter: https://twitter.com/BRDecoded LinkedIn: https://www.linkedin.com/showcase/business-resilience-decoded/ YouTube: https://www.youtube.com/channel/UCNEIrqWlxuyDvkXB24h6Obw/videos Vanessa Mathews, host Vanessa Mathews is the founder and chief resilience officer of Asfalis Advisors, where they are focused on protecting the legacy of the leaders they serve through business resilience. Before becoming an entrepreneur, Mathews developed global crisis management and business continuity programs for government and private sector organizations to include Lowe's Companies, Gulfstream Aerospace, and the Department of Homeland Security. LinkedIn: https://www.linkedin.com/in/vanessa-vaughn-mathews-mba-cbcp-70916b4b/ Book Mathews as a speaker: https://bit.ly/VanessaMathews Jon Seals, producer Jon Seals is the editor in chief at Disaster Recovery Journal, the leading magazine/event in business continuity. Seals is an award-winning journalist with a background in publication design, business media, content management, sports journalism, social media, and podcasting. LinkedIn: https://www.linkedin.com/in/jonseals/ Disaster Recovery Journal: https://drj.com/
From what might be the best first gig story Matt's heard so far to timing walks to school so that downhill sprints kick off at *that* moment in "Stairway to Heaven", Seb Lowe is the first guest on new side-series/bonus ep "Pick A Gig". Expect talk about live music experiences and Seb's upcoming headline dates and playing Glastonbury and Neighbourhood Festival in Manchester. Host: Matt LathamGuest: Seb LoweFind all of Seb Lowe's links/music/etc here: https://www.flowcode.com/page/seb.lowe.musicSee the Neighbourhood Festival Line-Up Here: https://neighbourhoodfestival.com/Follow us on Twitter, Facebook & Instagram: @PickADisc.Email us at firstname.lastname@example.org.Pick A Disc(Ord): https://discord.com/invite/JnZjEYuK3uWe Made This:@wemadethispodhttps://wemadethispod.com/The Spotify Hall of Fame: https://open.spotify.com/user/xandmatt/playlist/3ePG8RgGhxLhI7SXN4JFPZ?si=I-NUSFKJSbOXYCCtCot-SQ
From what might be the best first gig story Matt's heard so far to timing walks to school so that downhill sprints kick off at *that* moment in "Stairway to Heaven", Seb Lowe is the first guest on new side-series/bonus ep "Pick A Gig". Expect talk about live music experiences and Seb's upcoming headline dates and playing Glastonbury and Neighbourhood Festival in Manchester. Host: Matt Latham Guest: Seb Lowe Find all of Seb Lowe's links/music/etc here: https://www.flowcode.com/page/seb.lowe.music See the Neighbourhood Festival Line-Up Here: https://neighbourhoodfestival.com/ Follow us on Twitter, Facebook & Instagram: @PickADisc. Email us at email@example.com. Pick A Disc(Ord): https://discord.com/invite/JnZjEYuK3u We Made This: @wemadethispod https://wemadethispod.com/ The Spotify Hall of Fame: https://open.spotify.com/user/xandmatt/playlist/3ePG8RgGhxLhI7SXN4JFPZ?si=I-NUSFKJSbOXYCCtCot-SQ
This week we start trying to figure out plans on how we're going to be able to purchase so many amazing Haunted Mansion-themed items coming to Lowe's this Halloween season, we talk about some fun LEGO builds that we hope are real or get an official release, Andrew gives us an update on his Animal Crossing island, an awesome 3d print build of the Buzz Lightyear toy suit plus we talk about what we think is happening with the release of Lightyear. Listen now at: https://www.podketeers.com/418 Check out our series of Armchair Imagineering episodes here: https://www.podketeers.com/armchair-imagineering/ --- Join the FGP Squad Family! Support for Podkeeters is provided by listeners and viewers like you! We like to call our supporters our Fairy Godparents (they like to call themselves the FGP Squad). You can find more info on how to become part of the FGP Squad family by going to: https://www.podketeers.com/fgp --- We're on Discord! Join us and other members of our community on our Discord server! Use the invite link below to join us: https://discord.gg/gG8kJ2a --- Help us make a difference! Teamboat Willie is the official charity team of the Podketeers Podcast. For more information on the charity that we're currently supporting, head to: http://www.teamboatwillie.com
The joys of watching the women redecorate one room per house are over and now we just get to watch Kody travel from house to house. Thrilling. But seriously, we do get to see the beginnings of the unraveling of Kody and Christine's relationship, plus Kody tries to put a tv up without the hardware he could easily buy at Lowe's, Mariah is embarrassed by her icky parents, and Robyn tells the family she's having a boy. Oh and the kids complain, again, about how much they hate Vegas. Enjoy! Join us on Patreon! We're covering old episodes of Seeking Sister Wife, so catch up with us now and new season 4 episodes will be on our free feed this summer! We also release a bonus every month recapping whatever we're watching (Love is Blind, Bridgerton, Abercrombie documentary, Trixie Motel). Find us at https://www.patreon.com/sistersisterwives Don't forget to follow us on Instagram @sistersisterwivespod to find out when new episodes drop!
The great black box swarm of 2022 is upon us, join us in the studio for this recorded live, unedited uncut and unsupervised 4.5 hour session where we go through the books, talk about rules, look at the sprues, build things, bang the table and mics over and over, and shout at each other. It was a very good time and a great way to welcome the onslaught of new stuff for the new edition of the game.All views are the views of people who said them, anything offensive or threatening is satire, and this recording contains adult banter.Investigate our Corporate Dirtbags (don't blame them for this episode)!Versatile Terrainhttps://www.versatileterrain.co.uk/Grimdark Terrainhttps://grimdarkterrain.com/Crystal Fortresshttps://www.crystal-fortress.com/Black Label Paintinghttps://www.facebook.com/blacklabelpaintimg/Quartermasterhttps://itunes.apple.com/au/app/quartermaster-5/id879731050EOH PATREON:https://www.patreon.com/eyeofhoruspodcast30K GLOBAL EVENT CALENDAR:https://www.facebook.com/groups/147669179268284/
As well as her interviews with politicians and experts, Politics with Michelle Grattan includes “Word from The Hill”, where she discusses the news with members of The Conversation politics team. Politics editor Amanda Dunn and Michelle discuss Reserve Bank Governor Philip Lowe's Tuesday statements about the economic outlook. Lowe has again warned of more rate rises, indicating the bank is determined to reduce inflation from a likely 7% at year's end down to the 2-3% target range. But the Governor says he doesn't expect Australia to face a recession. Meanwhile Home Affairs Minister Clare O'Neil has visited Sri Lanka this week amid concerns the people smugglers are looking to test Australia's borders now there's a new government. Australia, which needs Sri Lanka to be as active as possible in stopping boats leaving, has announced $50 million in aid for that country, directed to its food and health needs. With Wikileaks founder Julian Assange facing extradition from Britain to the United States, Anthony Albanese is under pressure to make strong representations to have the Australian freed. Albanese is sympathetic, but whether he can achieve any progress is another matter. The calendar for the new parliament has now been released, showing only four sitting weeks between now and the October budget.
American independent film is launched into the mainstream by Steven Soderbergh's sex, lies and videotape, starring James Spader as an impotent man who gets off on filming women talking about sex. Videotape also plays a role in a Spader film released almost simultaneously, Bad Influence, in which he plays a meek yuppie at the mercy of alpha male Rob Lowe – who was trying to rehabilitate his career after a tape leaked shot by the actor and documenting his real-life threesomes — one with a 16 year-old girl. We close the first half of this season talking about Lowe, Spader and how camcorder mediation of sex changed pop culture forever. Learn more about your ad choices. Visit podcastchoices.com/adchoices
This week we empower ourselves to find a connection to our soul and our own truth as we live our dreams. Shelley Paxton, Chief Soul Officer and author of Soulbbatical, joins us for a beautiful conversation about how learning to “surrender” is an important aspect of true success. Success in life should be measured from the inside, by listening to and following your soul. This conversation will begin to give us the tools we need that can lead to becoming successful versus being “success-empty”. Shelley Paxton spent 26 years as a highly regarded marketing and advertising executive stewarding some of the world's most iconic brands like Harley-Davidson, Visa, McDonald's, and AOL. In 2016 she walked away from the corporate world to nurture her soul and discover her purpose. She christened herself Chief Soul Officer and called the journey her Soulbbatical. It did more than change her life, it became her calling. In 2018, Shelley opened the doors of her own company with the mission to liberate the souls of leaders and organizations, by inspiring them to realize their greatest purpose and potential. Shelley's intention is to help her clients discover, as she did, a way of being that is aligned with their authentic self (soul) and deeply rooted in a commitment to living and leading courageously. As a certified professional coach, she works with individuals, entrepreneurs, and executives at Fortune 100 companies like Lowe's, Inc. and Mars, Inc.(4:50) What does surrender mean to Shelley and we begin our discussion around the power of it.(9:50) How can we embrace the idea of surrender without viewing it as a weakness or accepting defeat?(13:12) How does Shelley help people to embrace the idea of trust & surrender? She shared with us her own journey to learning how to embrace it.(22:00) We discuss about how to “dance with fear”, leaning into it so you can learn to control it.(28:40) What expressions/mantras has Shelley found herself embracing more often than others?(35:00) How do Shelley's old identities (like CMO at Harley) find their way into her current one as Chief Soul Officer?(44:50) A discussion about understanding who you are, at your core, and learn to love what you discover.(49:30) Chatting about “becoming Shelley Paxton” and talk about her successes and what the future holds for Soulbattical.Connect with Shelley Paxtonhttps://soulbbatical.com/Subscribe: Warriors At Work Podcasts Website: https://jeaniecoomber.comFacebook: https://www.facebook.com/groups/986666321719033/Instagram: https://www.instagram.com/jeanie_coomber/Twitter: https://twitter.com/jeanie_coomber LinkedIn: https://www.linkedin.com/in/jeanie-coomber-90973b4/YouTube: https://www.youtube.com/channel/UCbMZ2HyNNyPoeCSqKClBC_w
Mike Bagwell sits down with Treehouse owner, designer, and builder, Tim Thomson, to talk about his Lincoln County-based and AirBNB-featured Crooked Shutter Treehouse. Tim shared his motivation for designing and building his treehouse in Lincoln County. He talked about the (very creative) design aspects of the treehouse, the treehouse space (inside and outside), his inspirations, the time it took to complete the project, some suggestions for others considering this type of a project, and of course, the science behind the use of trees as a building foundation! We talked about what Tim learned during the design and construction phases; including assuring the safety of his guests and the positive interactions with the County zoning department. Tim also gave us a glimpse into the future of other exciting things that he will be taking on through his business!Lastly, Tim shared his admiration and thanks for the many people and businesses that provided their guidance and support throughout the journey. A few of the businesses that Tim worked with include Kyle Bender, Realtor, Heavenly Maid Cleaning Service, Wheelhouse Media, Intelligent Design Engineering, Nelson Treehouse and Supply, and the Lowe's located in Denver, NC. Information regarding Tim and the Crooked Shutter Treehouse:Crooked Shutter Treehouse WebsiteAddress: 7174 Kidville Rd., Denver, NC 28037Phone Number: 980-643-8793Email: firstname.lastname@example.orgYouTubeCrooked Shutter Treehouse on FacebookCrooked Shutter Treehouse on Instagram Airbnb LinkInformation regarding the Sponsor of this episode: 760 DocksBusiness Phone: 704-966-9437, Email: Hello@760Docks.com Website: https://www.760Docks.comFacebook: https://www.facebook.com/LKN-Repair-GroupInstagram: @760DocksFloat in style on the lake this summer with one of their viral FloaTABLES for $500 off plus free delivery for LKN residents with code LKNLOCAL on their website 760Docks.com Information regarding our Podcast Hosts:Mike Bagwell with Enders Insurance can be reached:· via email MBagwell@EndersInsurance.com· on his cell (704) 489-3650 Hanna Schoenrock, the owner of WriteWell Services, can be reached:· via email email@example.com· on her cell (704) 956-6523Support the show
Welcome to series 5 of The Pro-Fit Golf Conditioning Podcast. If you are experiencing long-term injuries or have injured yourself playing golf then Chiropractor Dr Shane Lawlor has plenty of help and support to offer in this episode. Check out Shane's work here: http://www.lawlorclinic.ie Off Scratch Golf - Performance Coaching for all Golfers - head over to https://offscratchgolf.com If you have enjoyed this episode please like, follow leave 5 stars on Spotify and of course comment. You can find me socially at: https://www.instagram.com/pro_fitgolf
Listeners, we're back this week with Sarah Lowe and Adrián Escárate.Sarah E. Lowe is the Director of Research + Impact at Define American and a Ph.D. candidate in Health Promotion and Policy at the University of Massachusetts Amherst. Both a health equities communications researcher and practitioner, she has over twenty years of experience crafting cross-platform media campaigns for The Walt Disney Company, Nintendo, Cigna, PBS, and Discovery Channel. She has also been at the forefront of launching large-scale netroots movements in conjunction with arts-based nonprofits including American Promise, Question Bridge: Black Males, and Land of Opportunity. Sarah holds a bachelor's in English from Wittenberg University, a master's in Professional Writing from the University of Southern California, and is currently finishing her dissertation research, a mixed methods study called, “American Dreaming,” exploring resilience and post-traumatic growth in undocumented storytellers who use their personal narratives for immigration advocacy. Adrián Escárate is the deputy chief of staff at Define American. He has been an immigrant rights advocate for over a decade, initially getting involved in the undocumented youth movement push for the federal DREAM Act in 2010. As a DACA recipient and storyteller, he has vast experience sharing his story with media at the local and national level, including television, newspapers, and podcasts, in support of immigrant rights and immigration reform. Adrián holds an M.A. in Communications specializing in Electronic Media and B.A. in Communications Arts from St. Thomas University. He is also a certified professional tennis coach with more than a decade of experience coaching high performance junior and college tennis players.During this episode we talked about:07:58 - How Sarah came into this work10:28 - Growing up in a bubble13:41 - Parasocial contact theory14:37 - Adrián's immigration story14:51 - Finding out he was undocumented18:57 - Change the culture to change the policy28:12 - The Roadmap to Resilience for Undocumented Storytellers report31:33 - Changing structures34:34 - Learnings and recommendations40:30 - Everyone should be paying43:38 - The future of the research This episode is brought to you by MagicMind is the world's first productivity drink.
This week's episode of Fusion News is a summary of recent fusion energy news stories presented by Dr. Hazel Lowe, Plasma Diagnostician at Tokamak Energy. Links to all of the articles mentioned are below. 1. Clean energy's new hope: really fast lasers https://www.thetimes.co.uk/article/cl... Marvel Fusion article Dr. Lowe mentions: https://www.faz.net/aktuell/wirtschaf... 2. Experts chip away at corrosion for the future of fusion https://phys.org/news/2022-06-experts... 3. UK to LEAD ‘new era' of energy with huge breakthrough to harness power of stars on Earth https://www.express.co.uk/news/scienc... 4. To Make Commercial Fusion a Reality, MIT Is Joining Forces With a Bill Gates-Backed Startup https://www.popularmechanics.com/scie... Bonuses: The Cable Podcast featuring Marvel Fusion CEO Moritz von der Linden at 22:50 https://www.bloomberg.com/news/audio/... Articles from Phys.org on what happens at the very edge of a tokamak plasma https://phys.org/news/2022-06-unprece... https://phys.org/news/2022-06-feedbac...
Kori Covrigaru is the Co-Founder and CEO of PlanOmatic. PlanOmatic provides quality photos, floor plans, and 3D to the single-family rental industry with speed and at scale, nationwide. With an unwavering determination for client success, he has created a team that thrives on the core value of together we win. With a national network of 200+ contractors and more than 40 employees, Kori has met the moment with the unique value proposition PlanOmatic offers through technology combined with data to support their clients' goals. Today, Kori shares what he's doing as a remote investor in the single-family rental space with a fund that he started with some of his colleagues. Episode Link: https://www.linkedin.com/in/koric/ --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals. Michael: Hey, everyone, welcome to another episode of the Remote Real Estate Investor. I'm Michael Albaum and today I'm joined by Kori Covrigaru with planOmatic and he's returning to the podcast not talking about planOmatic, but actually to talk about what he's doing as a remote investor in the single family rental space with his fund that he started with some buddies. So let's get into it. Kori, what's going on, man? Welcome back to the podcast, thanks for taking the time to hang out with me. Kori: Always, always excited, Michael. Michael: This is gonna be a lot of fun. So the last time we had you on we were talking about your company planOmatic and for anyone who missed the episode, give us the quick and dirty, what is it that you all do and how you're disrupting the industry? Kori: We helped at the beginning of this industry. So back in 2012, we started out with the SFR industry but we've been playing thematic creates professional photos for plans in 3D for the single family industry at speed and scale nationwide. So that's what we do plain and simple, we are the boots on the ground that go out, take professional photos, do 3D scans, export floor plans from that, and then deliver that media to our customers. We try to do it under two and a half days and we're pretty damn close to it. So that's what we've been doing, we help these REITs institutional investors in smaller companies scale from 5000 properties all the way up to hundreds of 1000s. That's our business, that's what we're here for. Michael: Amazing and today, you and I are here to talk about something a little bit different kind of related. Yeah, but really, it's about your journey in the SFR space as a remote investor. Kori: Yes, sir. So, you know, just being in this industry for so long. I'm surprised it took me so long to decide to get involved on a higher level. But yeah, I've been just watching, you know, myself and some people that I work with here and some family and friends outside of here have been watching this SFR industry grow to the level that it has and never really gotten involved on the investor side. I mean, I had rentals on my own. I've had a rental, you know, my first rental I bought with my business partners. I want to say it was 2006 I think it was October 2006 or 2005 and we bought a rental out in Grand Rapids, Michigan. Since then we exited that then I had a couple rentals here in Denver, but nothing remote and nothing to the level of what we're building right now with SFR Emo, that's the name of the partnership, the group that we've established with 13 partners, and we all threw in some cash and have been acquiring homes, single family homes, for, you know, residents to live in and Alabama, of all places Birmingham, Alabama. So that's what we've been doing, yeah. Michael: Interesting. So you've done the local investing local with you in Colorado, so what I mean, what did you eat? What did you drink that decided, hey, I'm gonna go do this crazy thing and invest where I don't live. Kori: I ate and drank reports for where our customers are buying real estate and where it made sense and just reading articles. I mean, there's so many great content distributors, you guys included in terms of what markets make the most sense what to look for in a market and so I had been immersed in all of this data and all of this information for so long, that I finally pulled the trigger and said, hey, time to form a partnership. You know, we started out with five partners, that was the deal was gonna be five partners no more and then, you know, I don't know if you've ever been involved swings. But what happens is you start getting phone calls from random people saying, hey, I want this thing going on, like I want and why didn't you invite me? It's like, well, hold on a second, like, first of all, I don't I don't know how you found out within second. Like, it's this really small thing we're doing and so it went from like five partners to 13 and we had to like, we had to cut the investor pool out at that point and build with what we've had what we have right now, because we still haven't, you know, deployed all the capital. So it started, I'm starting to understand why we see billions of dollars come into the industry committed to buying SFR is, but it's very slow to deploy and so we're experiencing that right now. I mean, we're not slow to deploy, but it takes some time and so that's kind of how the idea started. Yeah, just get involved eat your own dog food, as they say, I think right, that's the term. Michael: That's it, that's it. So Kori, I mean, you just went through, I think what so many newer investors really struggle with, and that's picking a market and talk to us how I mean, what are these reports showing? What were they telling you and also like, how did you settle on Birmingham because I'm sure the reports show that there were really a lot of other great markets to invest in, too, yeah. Kori: Yeah. I mean, we landed on a cut to the chase, then I'll kind of backtrack a little bit but we went with Birmingham because this is a small partnership, and we really didn't want to have to continue to put money in so we wanted to pick a market that could cash flow. We wanted to pick a market that was cashflow positive, had great cap rates, relatively speaking hearing coverage are being compressed everywhere right now as we know, cost of capital is going up, prices of homes are going up, that's actually going to reverse here pretty soon, in my opinion, we can get into that later. But so we picked Birmingham, there was a lot of economic opportunity being created there, jobs being created there but also, we knew we were going to be cashflow positive with the cap rates, and there was a room for appreciation. Plus, we found a really great property management company partner that we work with down there that can not only serve us in that market, but we can also expand to other markets, you know, with their with their support. So that those are the reasons the main reasons why I mean, we apply nomadic had the advantage, we have a critical mass of single family rentals that come in through our pipeline to shoot photos, create floor plans, you know, 3D and so we kind of have like this, this holistic view and indicator of what markets might pop off next and, you know, we use that data to make decisions for us farm on where to invest, it's a bit of an advantage that not most have, but I'll tell you what, all that data is public, I mean, we can go out there and see and look at county records and see where all the institutional landlords are the professionally managed properties are being bought and so if you dig data or like to, you know, you can always go on Upwork or Fiverr, and say, hey, please go find me this set of data, those are kind of hacks that you can do to figure out where companies are buying. Now, just because professionally managed companies are buying there doesn't necessarily mean it's a homerun, you have to do your own research, figure out what your goals are with your portfolio where you want to start. So that's kind of been our trajectory on the direction and where, where to own and operate for us. Michael: Yeah and that makes a ton of sense and I love that you said that to like, go find someone else who can kind of help aggregate the data or figure out the data for you because like, you can, like you don't have to be the person to do all of the due diligence, you don't have to be the person to do all of like the research and also you can leverage other companies paid employees, like you were just mentioning, if an Amazon fulfillment center is going in there, or like Whole Foods is setting up a new headquarters there. They've done the research, so of course, don't reinvent yourself. The wheel, right… Yeah, it's, I love it. Kori: It's out there. Michael: Okay, so Birmingham was the target. Yeah. What did you all do next? I mean, how are you executing there? I know, you said you had a great property manager, but like, yeah, the, from the physical like property acquisition to due diligence. There's so much more involved before you even own the property. How did you get that accomplished? Kori: Yeah, so we this idea came about at some point in 2020, when, you know, shit hit the fan and COVID was on the way and in my mind, and I've always been fairly wrong, when it comes to trying to predict the market. The only thing that's, that's, ya know, I mean, the only thing that's going to be successful is that there is no bad time to buy, that's just my mentality. Like, there is no bad time to buy, it's just a matter of how you go about finding those properties and what you do during negotiation, and due diligence. But um, you know, back in 2020, you said, oh, the real estate buyer is going to absolutely flop right now, everybody's, nobody's got jobs, unemployment is gonna be crazy, we're headed into this, you know, doom and gloom period, which is, of course, very wrong and we said, you know, it's a good time to buy single family rentals, rentals, they perform, regardless of economic conditions, typically, in recessionary periods, they still grow not as fast, but they do grow, that's a hedge against inflation, so on so forth and so we decided to form the entity again, went from five to 13 very quickly. But between, you know, between mid-2020, and mid-2021, I don't think we purchased a single property and so you know, we had to go through all kinds of processes, right, you have to have a good operating agreement, you have to establish a an EIN number, you have to select a property management company, you have to make sure you're finding the right tax forms, you need to find a broker, you need to do research and figure out where you want to go. I mean, that was a big chunk of our time was we didn't know in 2020, exactly where we wanted to go. So we had to do that research, we had to have, you know, make sure that everybody all the partners were kind of on board and then at some point in time, we decided to, hey, these three partners or five partners are actually gonna make the decisions. Okay, now we have to amend the operating agreement that requires lawyers again, I mean, we kind of did a lot of stuff makeshift but, but there's a there's a lot to do, and a lot of time to be had between the moment where you decide, hey, I'm gonna get into this, especially if you're remote and we just closed on our first property, right. So it's, you know, it's, it's more than you expect, but doing it right is the most important thing and I think we've done it right. So far we learned a lot along the way. But we're on the right track. I mean, we're almost at will be at 28 single family homes and that's only that's the course of a year right. So from 20, mid 2020 to 21. We didn't purchase a single home in the last 12 months we've purchased approximately 28-20 single family homes. Michael: Wow, that's so killer. So Kori I mean, I'm curious to know too. Why did you not just do this alone, a lot of people would argue well, wow, 30 people like that's way too many cooks in the kitchen or five people making decisions like it can get very convoluted very quickly are very quickly. Wouldn't a single operator be more lean and be able to move quicker? Kori: Yes, yes. I mean, well, so the short answer that is, I can't really do anything. I have a lot of really good ideas but I can't do much. So that's why I didn't go at it. Yeah, I'm the idea guy, right, and the people around me to do things. So, but no, I mean, you know, what, one big reason why we went with more just to have more capital, to be able to diversify more, you know, it's, it's risky as an individual to go out and buy one or two rentals. But if you go out with a group and buy, you know, our goal is to hit 60. That's a pretty diverse portfolio and minimizes risk and there are a lot of great minds in our partnership. I mean, we have a finance guy, right, we have a data guy, we have consultant who's seen many different organizations, we have myself, who's kind of like, overall, seeing the organization from a high level and helping with the financing part of things. So I think it helps to have different people plus, this is all you know, passive for us, right? Everybody's got a full time job and so, you know, if, if I were to do this alone, this would be a full time job, no doubt, but spreading it across having the right property management company, but this person doing, you know, diligence in this person negotiating offers in this person, making sure our bookkeeping and finances and taxes are all in line, it just helps kind of spread that out…. It's fun, man. It's more fun to succeed with partners, like I, you know, I have two business partners here at planOmatic and I couldn't imagine being a sole proprietor, it just doesn't seem as fun to me. Like, for us, it's always been the game in the chase and like winning the game, and it's, if you're by yourself winning and celebrating, that's not fun and the same goes with, you know, the lows. I mean, 2020 was a tough year right and so having a supportive business partners help. So I just think it's more fun. Michael: Yeah, that makes a ton of sense. That makes a ton of sense. I'm curious, quite, how did you figure out like, who does what, and when you were picking your partners and picking your team? What was the process that you went through to do that because I think a lot of people like, oh, my best friend, we're so uh, like, we're so similar. We think the same, we should be partners, we should be business partners. Was that kind of the case for you? Kori: You know, for me, I mean, I kind of surround myself with people that are like minded and sort of see things, you know, in a certain lens when it comes to opportunity, right? So it was actually it was pretty simple. It was more like who do we, who do we not tell, you know, and ask versus who, because a lot of people came to us a lot of really good friends. So it was just who's willing to take an opportunity who trust I think trust is the number one thing when it comes to partnerships is like, is there trust, we had to make sure there was trust there and then, and then different specialties from different people, again, like I said, like one guy is a full time controller, you know, big company, that's really helpful. Another guy is an operations guy who's operating, you know, we're shooting five to 700 listings a day, right. So like that, that really helps play into one of our guys, Tim Rose, he heads Planet Labs and we analyze and optimize workflows and analyze and optimize reports and data just based on what's coming in and so having him on board to help us decide which market to go with, or what cap rates to focus on, I mean, that was helpful. So it kind of this one all came together and then the people that wanted to be involved, they kind of like stepped forward said, hey, I'd like to be more involved those that didn't, are just passive for this particular partnership. I mean, one of the, I don't want to call them mistake, but it was a rookie move was like 13 partners all equally invested right and so that creates challenges for two things. One, every time we close a loan or refinance, we have to get 13 signatures and that's like, probably the biggest pain in the ass that we've got as a group. The other is like, we're putting in a lot of work on the side, especially, there's one person in particular in the partnership that puts a significant amount of work in, and his return is the same as everybody else's and so this was really like a search and destroy mission for us. Let's figure it out, figure this out, figure out a proof of concept, see if it can work and then in the next round, we're a little more educated, we'll structure the company a little bit differently, make things happen and move a little bit quicker. So yeah, that's kind of where we're at today. Michael: Okay, like with regard to that signature, and then the equity piece where what else? What else would you do differently for anyone listening? It's like, I want to do this, like, what should they be thinking about? Kori: When owning and operating and SFR funds, you want to separate out the management company from the fund that owns the properties and we didn't do that it's all one thing. So when you've got one entity that manage manages the portfolio, you know, that's where all the work is. Capital, putting in capital to buy homes is simple. You read a check and then there's typically somebody at the fund but the management company, you know, in today's world, and so far, they're helping acquire the properties on behalf of the fund and so creating an entity for the fun with limited partners, and then a property management company or management company that owns an app rates the portfolio separately, it just makes a whole lot more sense and that's really, you know, shame on me, like I've seen this, I know this, but we just wanted to get going and again, at first it was five, right. So we weren't going to separate those two out as simple as like, we can get five signatures. But when it grew with 13, it became challenging and so we'll look at that a little bit differently. Michael: Okay and have a separate management company, even though you all are leveraging a local property manager. Kori: Yeah, because there's much more that you have to communicate with the management company, you have to go through the process of buying the homes and through due diligence, and you have to make offers, and you have to make sure your books are in order, you have to file taxes, and you have to sometimes raise more capital, you have to open up a line of credit, so you can buy in cash and turn on refinance, we can talk about that, that as well. But there are a number of things hidden, hidden chores, let's call them that have to happen when you manage a portfolio, even if you have a property management coming up property management companies can help you place tenants and make sure your tenants are happy and having residents are having a positive experience. Outside of that, they're not doing a whole lot. They might help you find homes, they might help you negotiate, they might help you with renovation, but everything around organizing the company there, that's just you know, that's one vendor that you have as a part of the organization, you have your CPA, you have a bunch of different things that are you have your banker that you have to manage property manager company is not going to deal with your banker, it's not going to happen, they're not going to go find a line of credit for you like that doesn't work that way. So there are a lot of hidden chores that are in there that I strongly recommend, like thinking ahead, because it doesn't take very many homes, very many investments to need to put a significant amount of time even if it's distributed amongst partners into the operation. It doesn't it's not a set it and forget it. This is not George Foreman grill, this is like there's a lot there's a lot going on. Michael: I don't think I've heard a George Foreman grill reference. Kori: Now you have or maybe it wasn't George Foreman, maybe it was. What was that? No, it was a different one. It was an infomercial, set it and set it and forget it. Michael: Oh, that's too funny. Well, Kori talk about like the strategy because you mentioned it just briefly about like line of credit, purchasing and cash and then going turning around and doing a cash out refi. So how are you purchasing properties and how are you structuring your deals? Kori: So up until now, and oh, boy, are we headed for some news on Mays real estate market, like people aren't going to believe what they what they read in terms of percentage swings. But up until now, it's been a very competitive market for buyers. I mean, like, you know, you had to show up with cash you had to show up with, with no contingencies, waive the inspection, right. All of these things that everybody in a healthy market will tell you don't ever, ever do this you had to do over the last two years to buy real estate in some markets, you've had to do that since 2011, or 12. I mean, in Denver, for example, you know, and this is one of the reasons why we didn't we didn't come to Denver, but in 2012, we went my wife and I visited a home and we had to put an offer in same day and we thought we were crazy, right and we ended up closing about houses, it's now a rental above, you know, closing at 332 is it's probably worth 900,000 and there's a reason why because Denver has been nuts, right. So the markets been like that since then. So what we decided to do is utilize a lot of the cash that the partners put in to buy the homes in cash, make cash offers, you know, promise a quick close, because we had to win the properties and then we would turn around and take the portfolio, once it got to a certain size and refinance it with a bank, we have a great banking partner down in the southeast, and they've been fantastic. But we've always historically bought in cash and around refi pull the money out. Oftentimes, it'll appraise much higher than, you know, we initially bought it for and I'm scared to say this because it sounds so 2009. But the bank is paying us at this point to buy these homes because we're able to leverage 85% and so if they've appreciated more than 15%, right? They're like giving us cash to close on these homes that we bought in cash. Again, sort of scary to say but in terms of rentals, like we're not in danger, like they've performed fine and as long as you as long as you cash flow through ups and downs in the market and interest rates, ups and downs, it's you know, you'll end up on top, but like Denver is a crazy market. I mean, I remember I was talking about getting a single family home to rent like separately outside of SFR I think it was like two months ago, maybe a month and a half ago and I took my kids to the open house and I showed up about 10 minutes early because I had to be like a birthday party or some bullshit like that and I get there 10 minutes before and there are already eight like, like a groups touring and I'm just like, still really like in in this neighborhood frankly, like, really and so I it took me one open house so you know, I'm out of this market. I mean, I know this right and a lot of the advantage that that people will have is they'll understand the local market and understand the neighborhoods understand where are they putting, you know, new light rail estate in where's their economic opportunity. But Denver was just too competitive, you know, to stick around for. So, yeah, yeah, it's been amazing. So we buying cash, turn around refi, pull cash out, rinse and repeat sort of deal and as long as properties are appreciating, you know, it's a, it's a pretty good model, especially when it comes to rentals, you know, fix and flip, I'm not a big fan, I think, you know, someone gets caught with their hand, that cookie jar at the end of the day of fixing flips, but as long as you're keeping in cash flowing, I think you're fine. And that's, that's kind of been that's been our model and we're able to now take out a line of credit. That's, that's, you know, securitized by our portfolio. So even better, we're able to use cash and a line of credit, make sure that there's good cash flow, turn around the bank, you know, refi it, pull the cash out, and rinse and repeat and that's, that's sort of what we've been up to and you can keep doing this, depending on how the market performs and how interest rates look. I mean, you can keep doing this for a while, right. Our goal, we're at 28. Now, our goal is 60. But depending if, if things continue to appreciate, then we could be even higher than 60, depending on how much the bank will pay us to buy these homes, basically, I'm afraid to say that, should I be saying that? Michael: It sounds it sounds terrifying. But that's what I wanted to ask you. So you say they're financing 85% loan to value? Kori: Yeah, yeah… Michael: That's, like, unheard of in the investment property space it. Kori: You know, usually, here's 7525, we find a bank, that's pretty aggressive. I mean, it's not like a small lender, it's a bank, it's a legitimate bank and they've been, they've been a great partner for us, and they see the opportunity, and they're a little bit of a risk taker. You know, they're keeping these loans or not, obviously, not selling them to Fannie and Freddie, I don't think, but we've also got so many partners to fall back on, like, it's, it's not risky for them, you know what I mean, when you have, yeah, that much that much wealth behind the partnership, and I'm not talking about the individual employment as a group, like you've got 13 households, where if something goes wrong, for some reason, with the majority of the portfolio, like, they'll be fine, you know. So I think that's also potentially why they're able to leverage so much. But they also are bullish on the rental market and SFR and they understand, you know, as far as you go to a bank, let's say up in upstate New York, they just haven't been around so far, very long. So they might not be as accommodating and as flexible. But boy in the Sunbelt, I mean, banks are trying to try to monetize this just like every other individual investor and so finding the right banking partner has been, you know, really great for us and strongly recommended. I mean, that's, you know, one of the most important things, we've gone through two banks. Now, we were with the credit union before, they didn't really see the vision that we had, but now with private bank, and it makes a lot more sense. Michael: Okay. Well, that's great to know and I'm curious, when you started putting this all together on paper that was 2020-2021 and the interest rates were at three, four, maybe sometimes even in the twos. Now they're up in the five, six sevens. Has that changed your model much or really changed the performance of what you were expecting return wise? Kori: Well, yes, of course, right. Cost of capital is it's real, it's real thing for individual investors who are buying their primary home, it's a real thing for smaller investors, family office all the way up to up to the REITs and the institutional landlords. So everybody's feeling a squeeze with those interest rates, cost of capital, obviously, going up, cap rates being compressed. I think what we'll see and what we've seen, historically, is that rents keep up with interest rates, right? So we'll see, you know, rents have gone up, I think, year over year 16%, I believe, and so far, we'll see those continued fact check that before you post it, but I think I saw it in the Wall Street Journal and so rents kind of keep up and so that's, you know, we have that to look forward to in terms of paying more for capital. But also, you know, the goal is to cash flow through the periods through the ups and downs, right through the different markets and so foreign investors, you'll see, you know, we borrow at five and seven year, seven year loans, right, so we're not in it for the 30 year fixed and so that should take us through any sort of period, right? We should be able to refinance within the next seven years, again, hearing things from 2008, kind of reverberate in my head. But that's the idea is that if as long as you can cash flow through interest rate periods, you should be fine and as long as rents hold up, which we don't see any reason why they shouldn't. I mean, we're again, four and a half million homes short of supply right now supply is not going away. Now, home values have gotten to a point now where buyers have said I've we've had enough, we're not we're not doing this anymore. Besides the fact that we can't afford it, right. Like between the interest rate hikes and the appreciation of home values over the last two years, we're seeing about a 43% increase in cost to pay a mortgage. Okay, like that's insane, so… Michael: Compared to when? Kori: Two years ago, that's compared to like beginning of 2020. I mean, between the appreciation and the interest rate increase, going from like three on average to five whatever and a half, one would be 43% more expensive to make mortgage payments today. Now, the good thing for SFR and for rentals is people are still there's a high demand for spacious, professionally managed homes, right single family rentals, and that demand isn't going away. So when people can't necessarily afford today to buy a home, or maybe say, hey, I'm going to sit on the sidelines for a couple of years, because this is batshit crazy, they're going to rent, right and so the demands keeps up, the rents keep up inflation continues to go up and hopefully we'll see that slow down here, due to the increase in interest rates. But you know, cash flow is important, I think it's been proven over time and history that rents will keep us cash flowing and that's why the industry is so attractive and so, you know, so new still, we're only a decade into this being professionally managed, right landlord has been around for before we can remember. But there's an appetite for professionally managed properties, so that the experience that I'm gonna have, as a renter as a resident is on par with if I own my own home, and was able to do whatever I wanted to do to my home. Now I can have that luxury of having that home, but having it professionally managed. So if things go bad, I can just call someone, they'll be here soon to fix it right or if I want to move, it's not it's not that big of a deal on my lease ends, I go find another lease, right. So that demand isn't going away and that's what's keeping us so strong as an industry and I was just at the National rental home Council conference in DC and that's kind of the theme is that, you know, everybody's cautiously optimistic, because it's a weird time. There's a lot of uncertainty right now in the economy. But there isn't a whole lot when it comes to our industry and so I think, you know, again, when is it a good time to buy, in my opinion, always. So what's happening right now is interest rates are going up, prices are still like going up. We are seeing I think a Redfin report came out today that prices are starting to come down, actually and so there's a huge opportunity for investors to get into the market right now and buy, and investors don't have to buy at this price. Like it's been only a month, but the whole thing has been flipped upside down. So what I'm telling my acquisitions team, right, my expositions team, is, this is a time where, frankly, you go in and you offer 15 to 20%, less than what it's listed for, and you offer on volume all of a sudden, and then those that are willing to get out with a cash offer today, those are the deals to be had and yes, you are paying a higher interest rate right now for that. But you know, what, if you get the deals, and I'm not saying you'll get them at 20 or 15% discount, but you'll get them, you don't have to pay this price today, because the market just hasn't adjusted down to the interest rates that we're at. There are some steals out there and so it's a volume game, right? It's like, it's like going to a bar and meeting men or women, right. The more the more you ask, the better chance you're gonna have to succeed and it's the same with real estate today, like the more offers you throw out there that might be less than what they're wanting or hoping for a price. Some are in a situation where they need to exit or want to exit and so there are opportunities out there more right now than ever so far, which is crazy to think about. Michael: That is crazy to think about and so you mentioned there's some big news coming out was that was that the Redfin report about where you think prices are going for the May report? Kori: No, well, I mean, there was there was some information out but we're still they're still reporting on April, my mind, this is just, you know, my prediction is crystal ball, my crystal ball tells me based on very, you know, various different data points that may will be the biggest drop in transactions we've ever seen the biggest drop, the biggest drop in transactions month over month that we've ever seen, I'm predicting, I'm putting it for… Michael: May 2020. Kori: To May over April and may year over year, also that will be the biggest drop in in housing starts as a percentage and let's say close transactions will be in May, that'll continue into June because there's always a lag housing starts we get at the beginning contracts to buy new construction, we get the beginning. So that's always an indicator, a leading indicator of where the markets headed. But we'll see that as built, you know, are already built on existing home sales. They're just going to plummet right now and that's because there's pretty much gonna be a standoff between buyers and sellers right now. I mean, when do you remember seeing homes drop in price in Denver like, right, I don't remember when that happened. Yeah, you know, so I think that I think the buyers are fed up. I think that affordability has gone through the roof and I think that the Fed is going to succeed and installing the economy and stalling you know, the housing market, which has a trickledown effect to the rest of the economy, right. I mean, think about movers, Comcast, right, any sort of cable television, Home Depot and Lowe's, right, all these all these companies that we don't really think about. or Amazon people buy stuff for their new home like the Fed wants to slow the economy down, they're definitely going to succeed. We're going to see some job loss from it. But at the same point in time, this is an OK, adjustment to the overall market and the housing market. We know that this is not sustainable. We said that a year ago, a year into this crazy Rock chip ride. So we'll see a slowdown and it's healthy, it's okay and that also creates these deals that I think are definitely still out there. You know, there are still motivated people that need to sell for one reason or another. Maybe they have to move, maybe they are they're adjustable rate mortgages off, right, maybe they set it seven years ago, and all of a sudden, they're having to refinance and it doesn't make sense. Maybe they just feel like they want to cash out and it's time and so, you know, those who went under contract, let's say a month ago, kind of probably hit the top. But for the short term, but there's still a lot of opportunity out there to get some good deals right now. Michael: You heard it here first, folks. That's awesome, that's awesome. All right. Well, Kori, we got to get you out of here, man. Thank you so much for coming on again. For people that want to reach out to you connect with you learn more about planOmatic where's the best place for them to do that? Kori: LinkedIn is great. Although my name is hard to find K O R I C O V R I G A R U, I'm sure it's in the in the post, LinkedIn is great. My email firstname.lastname@example.org, I'm always fielding emails. So send me an email and otherwise I'm not I'm not really on Facebook or Instagram or any of those, so email and LinkedIn is probably best for me. Michael: Right on that'll have to do. Well, Kori thanks so much, man. Appreciate you coming on again. We'll chat soon, all right. Kori: Thanks, Michael. Great to be here. Michael: All right, everyone. That was our episode, a big thank you to Kori for coming on and sharing with us what he's been doing in the space. As always, if you'd liked the episode, please feel free to leave us a rating or review wherever they as you get your podcasts, and we look forward to seeing on the next one. Happy investing…
Frank Murphy welcomes Kathryn Frady back from her vacation. Frank is concerned that they have 665 YouTube subscribers and he hopes they will get well past 667 subscribers quickly. Frank enjoyed Kathryn's performance as Julia Lowell in Marble City Opera's production of The Copper Queen. You can rent a video stream of the opera at https://www.marblecityopera.com/tickets Frank surprised Kathryn by giving her a congratulatory hug after opening night of The Copper Queen. Frank sat behind Mary Costa, an opera singer who was the voice of Aurora in Disney's Sleeping Beauty. Reviewer Alan Sherrod of Arts Knoxville called the show “operatic gold.” Kathryn feels depressed when a show ends, especially when she is involved as both singer and producer. Kathryn just became the General Director of Opéra Louisiane in addition to her job at Marble City Opera. Frank has started lining up guest co-hosts for when Kathryn will be in Baton Rouge. Frank used to buy 40 pounds of chlorine tablets for about $80. A problem at the factory caused a shortage and a price increase to about $200. Frank switched to liquid chlorine, which he could get for about $6 a gallon at Lowe's. Frank and Jere took their grandsons Timmy and Charlie to Lowe's to buy chlorine using gift cards Frank bought at Kroger, which gave him bonus gas points. Lowe's could not complete the purchase because they said their gift card reader was down. They drove to another Lowe's but that store's gift card reader was down too. Frank then went to a nearby Home Depot and bought liquid chlorine for only $4.50 a gallon. Marble City Opera is working on an opera about body-snatching. Grave robbers used to dig up bodies for use in medical research. Dr. Bill Bass started a collection of donated modern skeletons at the Body Farm. Kathryn and her husband took a vacation to Santa Rosa Beach in Florida. Kathryn's brother and his family went surfing in the Gulf of Mexico. Frank's family used to go to ocean beaches on Long Island. Frank remembers the surf as being rough and uninviting. Frank had hoped to come to an artist reception after the final performance of The Copper Queen. He had a paid comedy improv gig that night. Einstein Simplified was hired to perform at the reception after a renewal of vows ceremony. The brewery that was supposed to host the event canceled on the bride so they could show a Vols baseball game instead. The improv gig was moved to the married couple's house in South Knoxville. Frank's maps app went haywire and told him to make a U-turn, which turned out to be incorrect. He drove up as the ceremony was underway on the front lawn. This episode is sponsored by BoneZones.com (don't forget the S). Buy books and other merchandise autographed by Body Farm founder Dr. Bill Bass at https://bonezones.com/ Support the Frank & Friends Show by purchasing some of our high-quality merchandise at https://frank-friends-show.creator-spring.com Sign up for a 30-day trial of Audible Premium Plus and get a free premium selection that's yours to keep. Go to http://AudibleTrial.com/FrankAndFriendsShow Find us online https://www.FrankAndFriendsShow.com/ Please subscribe to our YouTube channel at https://YouTube.com/FrankAndFriendsShow and hit the bell for notifications. Find the audio of the show on major podcast apps including Spotify, Apple, Google, iHeart, and Audible. Find us on social media: https://www.facebook.com/FrankAndFriendsShow https://www.instagram.com/FrankAndFriendsShow https://www.twitter.com/FrankNFriendsSh Thanks!
It was a banner year for Arizona athletics. Especially given so much coaching turnover, It's time to grade out Tommy Lloyd, Jedd Fisch, Chip Hale and Caitlin Lowe. Who surpassed expectations and you has some work to do? Also, what does the future look like for year 2 for each coach? What kind of recruiting help is on the way? Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Reported by Higher Ed Dive, Lowe's employees can now pursue more than 50 degrees and certificate programs from 23 institutions, including University of Arizona, Morehouse College, Paul Quinn College, and North Carolina A&T State University. Lowes will also cover all textbook and course fees for employee participants.
You're hot and you're cold, you're yes and you're no.... Was Katy Perry singing about crypto wallets and storage solutions? Well, you need to understand about the safety and security of your crypto wallets and storage and on this podcast we talk about your crypto holdings and safety. Join Aviva Ounap, the host of Crypto and Blockchain Talk as she looks at the solution that Adam Lowe has created. Adam is the Chief Product and Innovation Officer at CompoSecure, and is the brains behind Arculus, a digital asset and identity authentication technology platform, which is making it as simple as possible for anyone to buy, swap, send, receive and store cryptocurrency safely and securely. Of course we also look at the news and explain to you some concepts which may protect you in the long run. In addition, all interviews are streamed on Crypto24Radio.com, bringing you the latest news on all things blockchain and crypto-related all day, every day - plus music! So stay tuned and enjoy. We LOVE having you as our listener, and friend! __________________________ Do you want us to talk about your project or company? Email us: email@example.com Disclaimer: NOT FINANCIAL ADVICE The information on this channel/website is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The information contained in or provided from or through this channel is not intended to be and does not constitute financial advice, investment advice, trading advice, or any other advice. The information on this channel/website and provided from or through this channel/website is general in nature and is not specific to you, the user, or anyone else. This channel/website is not a substitute for financial advice from a professional who is aware of the factual circumstances of your individual situation. You should not make any decision, financial, investment, trading, or otherwise, based on any of the information presented on this channel/website without undertaking independent due diligence and consultation with a professional broker or financial advisor.
On October 25, 2021, after the most contentious Texas legislative session in memory, the Safe Outdoor Dogs Act was signed into law. THLN never wavered during the six-year quest to pass this legislation, even when it was targeted by an extremist lawmaker and unexpectedly vetoed. Texas dogs and the communities where they reside deserve a common-sense, balanced policy governing the restraint of dogs outdoors. The Safe Outdoor Dogs Act, which goes into effect January 18, 2022, achieves that by: Defining adequate shelter to protect dogs from extreme temperatures, inclement weather, and standing water. Previously, there was no definition for shelter, thus tethered dogs routinely perished from exposure. Requiring access to drinkable water. Before the Safe Outdoor Dogs Act, state law did not include this vital requirement. Requiring safe restraints. The Safe Outdoor Dogs Act strikes the use of chains. Other means of restraint, such as cable tie-outs, may be used so long as they are correctly attached to a collar or harness designed to restrain a dog. Arguably the most significant change wrought by the Safe Outdoor Dogs Act is removing the 24-hour warning period that allowed bad actors to flout the law. Officers can take immediate action for tethered dogs in distress from now on. What the Safe Outdoor Act Does - English | Spanish How to Properly Restrain Your Dog Outdoors - English | Spanish Key Exceptions to the Safe Outdoors Act - English | Spanish Exceptions to the Safe Outdoor Dogs ActThe Safe Outdoor Dogs Act does not prevent owners from tethering dogs. The law requires that unattended dogs are tethered in a way that keeps them and the people around them safe, and there are several exceptions to the law. The Safe Outdoor Dogs Act does not apply to dogs who are: Attached to a cable-tie out or trolley system. Camping or using other public recreational areas. Herding livestock or assisting with farming tasks. Hunting or participating in field trials. In an open-air truck bed while the owner completes a temporary task. Restraining Dogs Without Using ChainsThe American Veterinary Medical Association and the Center for Disease Control agree that chaining dogs is an inappropriate method of restraint. Not only do chains tangle, rust, and break, but they often cause pain and injury. Conversely, cable tie-outs and trolley systems are designed to restrain dogs, so they are lightweight, strong, and flexible. On average, they cost between $15-$30 and are easy to find in stores and online. Below are links to highly rated cable tie-outs and trolley systems: Tumbo Trolley Dog Containment System Expawlorer Dog Tie Out Cable Boss Pet Prestige Skyline Trolly BV Pet Heavy Extra-Large Tie Out Cable Petest Trolley Runner Cable XiaZ Dog Runner Tie Out Cable Watch this short video to see examples of cable tie-outs recommended by a company that rates affordable pet products. Always install cable tie-outs and trolley systems according to the manufacturer's instructions. Read FAQs When the Safe Outdoor Dogs Act goes into effect on January 18, 2022, we all want our friends and neighbors who have dogs tethered outdoors to be prepared for this change. The following list of resources is available to qualified applicants. Bear in mind each organization has its own application process and service area. Local nonprofits and civic groups: BASTROP & TRAVIS COUNTIES: Dejando Huella ATX – donates dog houses & specializes in outreach to Spanish-speaking dog owners. | Contact: firstname.lastname@example.org CORPUS CHRISTI: People Assisting Animal Control organizes pet wellness & educational events, distributing cable tie-outs. | Contact: email@example.com DALLAS/FORT WORTH: SPCA of Texas' Russell H. Perry Pet Resource Center provides temporary support to pet owners in the Dallas/Fort Worth Metroplex who are experiencing financial hardship and are at risk of having to surrender their pets. | Contact: firstname.lastname@example.org MCLENNAN COUNTY: Cribs For Canines provides dog houses to under-resourced dog owners. | Contact: Cribs for Canines (cribs4canines.com) MIDLAND: Fix West Texas donates dog houses and other pet supplies to under-resourced dog owners. | Contact: email@example.com NORTH TEXAS: The Love Pit is a Dallas-based nonprofit that improves the quality of life for pit bull-type dogs through rescue, education, and outreach in the DFW area. | Contact: firstname.lastname@example.org PLEASANTON: Atascosa Animal Allies donates dog houses within the city limits of Pleasanton, Texas to those who qualify. They also operate a TNR program for feral cats and host monthly subsidized spay/neuter clinics for under-resourced pet owners in Atascosa County. | Contact: AtascosaAnimalAllies@gmail.com TRAVIS COUNTY: The City of Austin Fencing Assistance Program donates fence material to under-resourced dog owners in Travis County. The city also donates dog houses to qualified residents. | Contact: Amber.Harvey@austintexas.gov TYLER: The SPCA of East Texas donates doghouses and other pet supplies to under-resourced dog owners. | Contact: email@example.com VICTORIA: South Texas Tales – donates dog houses and other resources to under-resourced dog owners. | Contact: firstname.lastname@example.org WICHITA FALLS: Chain Off Wichita Falls – donates fencing materials and labor for under-resourced dog owners. | Contact: email@example.com WILLIAMSON COUNTY: Williamson County Regional Animal Shelter – serving Round Rock, Cedar Park, Leander, Hutto, and rural Williamson County. Donates dog houses and other items to under-resourced dog owners. | Contact: firstname.lastname@example.org Chain Off | P.E.T.S. Low-Cost Spay and Neuter Clinic (petsclinic.org) National Organizations: The Home Depot | Community Impact Grants Grants are available to nonprofit groups working to help local citizens. Fences for Fido Provides support and mentorship to groups dedicated to getting dogs off chains | Contact: katrina.FencesForFido@gmail.com THLN wants to help those in underserved communities, and we need your help! We encourage everyone who wants to see the successful implementation of the Safe Outdoor Dogs Act to engage at the local level. Consider doing the following in your community to help outdoor dogs: Partner with your local shelter or rescue group to fundraise for dog houses and cable tie-outs. Co-host a neighborhood event with your local shelter/rescue to distribute free cable tie-outs. If the event is part of a spay/neuter or vaccine clinic or pet food distribution event, dog owners are sure to attend. Attend dog-friendly public events and distribute Safe Outdoor Dogs Act Fact Sheets. Share Safe Outdoor Dogs Act information on all your social media platforms. Add cable tie-outs and dog houses to your shelter or rescue group "Wish List." Ask local retailers like Home Depot, Lowe's, Ace Hardware, and Tractor Supply to donate dog houses, fencing materials, or cable tie-outs. Many high schoolers and college students need community service hours – why not involve them in a dog house building project? Whether it is the Eagle Scouts, ROTC, National Honor Society, church youth groups, or high school shop classes – these groups are all looking to make a positive community impact. Help your local shelter or rescue create a "Donate a Dog House" program. Click here for free DIY Doghouse blueprints. Are you already working in your community to help under-resourced dog owners? Do you have other ideas for assisting folks in complying with the new law? We'd love to hear it! CONTACT US NOW Show Us Your Success StoriesThe Safe Outdoor Dogs Act starts a brand-new chapter for Texas dogs. And nothing is better for showing the impact of this law than your stories of helping those in need. Send us your photos, videos, and firsthand accounts of helping those in your community…we can't wait to see your success! Showing 1 reaction Jessica Hagmaierpublished this page in Legislation5 months ago
Episode 109: Why We Need Transparency Around Root Cause Analysis This episode is brought to you by Fusion Risk Management, Building a More Resilient World Together. Request a demo at https://bit.ly/FusionDECODED today! What is root cause analysis and how can it benefit your business? In this episode, Vanessa talks about the top three questions she gets regarding root cause analysis. She also exposes the top reasons many companies aren't looking at their best practices. Sign up for our Four Corners newsletter for opportunities to connect, access to exclusive content, bonus interviews, and more at https://bit.ly/BRDFourCorners. In this episode, you will learn: What is root cause analysis What prevents companies from looking at best practices How your business can benefit from conducting and sharing root cause analysis Disaster Recovery Journal: Register for DRJ's weekly (Wednesday) webinar series: https://drj.com/webinars/up-coming/ Register for DRJ Fall 2022: The Evolution of Resilience: https://www.drj.com/fall2022 Asfalis Advisors: Visit our website here: https://www.asfalisadvisors.com Apply to be a guest on the podcast: https://www.asfalisadvisors.com/decoded/ Download the 5 Step Crisis Strategy: https://www.asfalisadvisors.com/services/ Connect with the podcast! Email us: email@example.com Podcast website: https://drj.com/decoded/ Twitter: https://twitter.com/BRDecoded LinkedIn: https://www.linkedin.com/showcase/business-resilience-decoded/ YouTube: https://www.youtube.com/channel/UCNEIrqWlxuyDvkXB24h6Obw/videos Vanessa Mathews, host Vanessa Mathews is the founder and chief resilience officer of Asfalis Advisors, where they are focused on protecting the legacy of the leaders they serve through business resilience. Before becoming an entrepreneur, Mathews developed global crisis management and business continuity programs for government and private sector organizations to include Lowe's Companies, Gulfstream Aerospace, and the Department of Homeland Security. LinkedIn: https://www.linkedin.com/in/vanessa-vaughn-mathews-mba-cbcp-70916b4b/ Book Mathews as a speaker: https://bit.ly/VanessaMathews Jon Seals, producer Jon Seals is the editor in chief at Disaster Recovery Journal, the leading magazine/event in business continuity. Seals is an award-winning journalist with a background in publication design, business media, content management, sports journalism, social media, and podcasting. LinkedIn: https://www.linkedin.com/in/jonseals/ Disaster Recovery Journal: https://drj.com/
Groove is joined by hall of famer Emily Lowe to discuss the sectional championship and breakdown the state meet. They also break down some of the challenges of distance running in this 59 minute episode (and still didn't cover everything on the agenda).
Coming up on NBA Today: It might only be Game 3, but do the Warriors need an appearance from Game 6 Klay to win this series? And Professor Zach takes into Lowe's Lab on the Celtics defense. What is the right formula to bring Boston its 18th championship? Plus, who wants to make some money? We've got gambling tips for tonight's game... Learn more about your ad choices. Visit megaphone.fm/adchoices
As CEO of Ascendant Financial, and Chairman of the Lowe Family Group of Companies, Jayson Lowe has built a portfolio of active profitable businesses in the Financial and E-Commerce Spaces. Originally from Timmins, Ontario, a small mining and forestry town, Jayson Lowe is a true Canadian success story! Jayson is an engaging Speaker, a Chartered Life Underwriter, and Co-Author. Jayson has delivered hundreds of presentations to the general public, appeared on countless stages and interviews. He is internationally recognized as one of the leading educators of Becoming Your Own Banker, The Infinite Banking Concept. Jayson is regularly featured and interviewed on the Corus Radio Network, 630 Ched's Talk to the Experts, News talk 770, Success Magazine, Global AM 740, Equitable Life of Canada, to name just a few. Jayson is also a Top of the Table Member of the Million Dollar Roundtable, the most prestigious association of Financial Professionals in the world. An important part of Jayson's life is to give back. Especially dear to his heart are Children's charities, and non-profit agencies providing food, shelter and spiritual care to others less fortunate. When he's not building the business and developing his People, Jayson spends quality time with his Family and dear Friends. Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: firstname.lastname@example.org Get Jon's Book: The Think Big Movement: Grow your business big. Very Big! Connect with Jayson Lowe: Website: www.easyfda.com Twitter: https://www.twitter.com/jaysonlowe Instagram: https://www.instagram.com/learnwithjayson LinkedIn: https://www.linkedin.com/in/jayson-lowe-11056620 Facebook: https://www.facebook.com/ascendantfinancialinc
Vik Szemerei is the Vice President of Sales for luxury plumbing company, https://houseofrohl.com/ (House of Rohl). They own brands such as Riobel, Victoria and Albert, and Rohl. We discuss cool new plumbing trends like https://www.moen.com/aromatherapy?utm_source=google&utm_medium=cpc&utm_campaign=brand_part_bath_shower_inly_google_broad&utm_content=brand_inly_broad-_-&utm_term=moen%20aromatherapy&gclid=CjwKCAjwjZmTBhB4EiwAynRmDzzTNuGsNI5FxSTXgD1ngor2fxVA1n9lg7UZwzgC4D9qdfrdh2tGwxoC1R8QAvD_BwE&gclsrc=aw.ds (aromatherapy shower heads), https://houseofrohl.com/shaws/ (hand-crafted fireclay sinks), https://houseofrohl.com/armstrong-pulldown-touchless-kitchen-faucet-polished-chrome-with-metal-lever-handle-u-4534ht-apc-2/ (touchless faucets), and more. And, to my delight, Vik explains the rise in popularity of biophilic design as we find ways to make our homes healthier and more comfortable. Enjoy the episode! Tools to make more money and grow your biz Need a little help growing your business or making more money at it? In addition to almost 100 free episodes of the podcast, check out the Building Optimal Shop, a place where we have business tools for builders and contractors…and the list is growing. Or, if you want full-scale consulting or business startup help, check out our brand new: https://www.buildingoptimal.com/the-builder-accelerator (Building Optimal Business Accelerator) Muchas gracias to our amazing brand partners https://www.lowes.com/l/Pro/pro-benefits (Lowe's and the new Lowe's MVP Pro Rewards Program)https://www.subzero-wolf.com/sub-zero?PID=ppcpreference_subzero_2020:google:cpc:tribrand_preference:paidsearch&promoID=AAAA0654&ef_id=CjwKCAjwuYWSBhByEiwAKd_n_kR3kLWCZbpJOwTBE2WczsyMdNgoWs91uPgLqja1NPrxXY10cja2lRoCv7wQAvD_BwE:G:s&s_kwcid=AL!8580!3!421658033233!e!!g!!sub%20zero!9520549080!93984483101&gclid=CjwKCAjwuYWSBhByEiwAKd_n_kR3kLWCZbpJOwTBE2WczsyMdNgoWs91uPgLqja1NPrxXY10cja2lRoCv7wQAvD_BwE (Wolf/Subzero) https://www.huberwood.com/ (Huber Engineered Woods) https://ramwindows.com/ (RAM Windows)
Since the days of kings racehorse ownership has signified a status symbol among the elite. Well thanks to Zed Run us common peasants can get in on the action and feel like nobility. With this simple step by step guide you'll be able to buy your horse and get your stable going in no time. Step 1. Set up MetaMask wallet Easy to find app that will serve as your main tool for logging in and out of Zed Run and sites like Hawku and OpenSea where you'll actually be purchasing the horses. Step 2. Add ethereum to wallet There are several ways to purchase ethereum including directly on MetaMask. I suggest you find an exchange that you feel comfortable with that has Lowe fees and transfer to MetaMask. Step 3. Set up Zed run account In your MetaMask browser go to zed.run. Click start. Your wallet should sync right up and now you have a stable! Don't forget to think of a name and make a logo! Step 4. Bridge ethereum to polygon For opensea: In Zed wallet bridge ethereum to polygon network In MetaMask settings go to networks Find add network and add polygon with info provided Wrapped eth won't show up right in MetaMask but will in opensea For Hawku: In zed wallet bridge ethereum to polygon Purchase small amount of MATIC Step 5. Find your horse Use filters on knowyourhorses and hawku to find what you want Step 6. Buy horse on opensea/hawku You can pay the current asking price on several and get them right away or try putting a bid in and see if they accept. Step 7. Race your horse Switch back to ethereum main network Go to Zed run How to Transfer horses Step 1. Copy wallet address in zed Step 2. Go to other stable Step 3. Click settings Step 4. Transfer will be first thing Step 5. Click transfer Step 6. Paste address. It will show the stable you're transferring to. Double check and confirm. Step 7. Wait a few minutes. Be patient. Download The Free SGPN App - https://sgpn.app WynnBET - Bet $50 Get $200 In Free Bets - https://sg.pn/WynnBET Support for this episode - AthleticGreens.com/SGP | IPVanish.com/sgp | Manscaped.com code SGP JOIN our SQUAD on Sleeper (code SGP for 100% BONUS) + play OVER/UNDER - https://sg.pn/squad Follow The Zed Run Gambling Podcast On Social Media Twitter - http://twitter.com/ZedPodcast Instagram - http://instagram.com/zedgamblingpodcast TikTok - https://www.tiktok.com/@gamblingpodcast Facebook - http://www.facebook.com/sportsgamblingpodcast Follow The Hosts On Social Media Scott Bowser - http://twitter.com/scott_bowser Chase Sessoms - http://twitter.com/OfOaklawn Malcolm Bamford - http://twitter.com/Mal_B_Sport Watch the Sports Gambling Podcast YouTube - https://www.sg.pn/YouTube Twitch - https://www.sg.pn/Twitch Read & Discuss - Join the conversation Website - https://www.sportsgamblingpodcast.com Slack - https://sg.pn/slack Reddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices
Photo: Big box store: Looking northeast inside Lowe's in Gowanus, Brooklyn #ScalaReport: Walmarts and Amazon connected to layoffs connected to the supply chain connected to inflation connected to Walmarts and Amazon. Chris Riegel CEO Scala.com, #TheScalaReport ttps://www.zerohedge.com/economics/bloated-inventories-hit-walmart-target-and-other-retailers-profits-trucking-demand Chris Riegel, Scala CEO, STRATACACHE, #TheScalaReport