Podcasts about ltb

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Best podcasts about ltb

Latest podcast episodes about ltb

Lune The Pod
Another EBCS story (Bad Girls Do It Better)

Lune The Pod

Play Episode Listen Later Oct 2, 2022 41:39


This week Nathaniel is hijacked by a thought that leads to a memory from high school. They talk about it, the hardship of feeling alone in the wake of abuse, how that leads to the abused person doing shitty things themselves, and the importance of crying, of loving art, of talking about your feelings....and so much more. It's a rambling thing, which is how we fucking do it here on team LTB.  Also, we get to listen to MIA's Bad Girls, which fucks. Lune The Band:  https://lunetheband.bandcamp.com/ I Don't Speak German:  https://idontspeakgerman.libsyn.com/ It Could Happen Here: https://www.iheart.com/podcast/1119-it-could-happen-here-30717896/ Cool People Who Did Cool Stuff:  https://www.iheart.com/podcast/1119-cool-people-who-did-cool-96003360/

Let's Talk Bruh
Jay-Z and Black Capitalism

Let's Talk Bruh

Play Episode Listen Later Oct 2, 2022 93:01


Instagram Live on 9/25/22 LTB is back with the help from a couple of our good friends Bemo Brown, Nalo Zidan and Quay Weston. We discuss Jay-Z's recent comments about words like "capitalist" being made up, full quote below: In response to a question from Rob Markman about his verse, Hov said, "We not falling for that tricknology, whatever the public puts out there now. Before it was the american dream, pull yourself up by the bootstraps, you can make it in america. All these lies that america told us our whole life and then when we start getting it they try to lock us out of it. They start inventing words like capitalist and things like that. We've been called nigger and monkey. So those words yall come up with, yall gotta come with stronger words." Subscribe to the Let's Talk Bruh YouTube Channel: https://www.youtube.com/channel/UCsa2wXlKMWlpAER8v16zXZw Follow Let's Talk Bruh on Twitter & Instagram

LTB Podcast
#359 Stuart Aitken: Your First Few Years in Personal Training

LTB Podcast

Play Episode Listen Later Sep 13, 2022 51:26


This week's episode is an interview with…Stuart! The guys over at the Pro-Fit Podcast bought Stuart on to talk about all things personal training. In the episode, they quiz Stuart on the history of LTB, online training, problems PTs encounter and much, much more!       Find Out More About Pro-Fit: Instagram: https://www.instagram.com/mattrobinsonpt/  Podcast: https://podcasts.apple.com/gb/podcast/the-pro-fit-podcast/id1458318553    Find Out More About Lift The Bar: Website: https://liftthebar.com/  Instagram: https://www.instagram.com/liftthebar/? 14-Day Free Trial: https://liftthebar.thrivecart.com/ltb-membership-49

Lune The Pod
Falling Off The Wagon

Lune The Pod

Play Episode Listen Later Sep 12, 2022 35:23


This week Nathaniel does a dive into the LTB song "Falling Off The Wagon" from 2011's Don't Give Up The Ship. It's a very honest look at a song that has some not great things to say about the person who wrote it (it was Nathaniel, Nathaniel wrote it). Nathaniel also briefly touches on some current events. Lune The Band: https://lunetheband.bandcamp.com/ I Don't Speak German: https://idontspeakgerman.libsyn.com/ It Could Happen Here: https://www.iheart.com/podcast/1119-it-could-happen-here-30717896/ Cool People Who Did Cool Stuff: https://www.iheart.com/podcast/1119-cool-people-who-did-cool-96003360/

Let's Talk Broncos
Predicting The Results Of The Denver Broncos' 2022 Season

Let's Talk Broncos

Play Episode Listen Later Sep 8, 2022 44:22


Joey, Bri, and Zach make a bevy of predictions about how they see the Denver Broncos' 2022 season playing out. How many games will they win? Who will be the team MVP? Who will be the standout rookie? AND MUCH MORE in this episode of LTB.Catch the Let's Talk Broncos Podcast weeknights 6-7p on Mile High Sports! Watch the show on Facebook or YouTube, and check out MileHighSports.com for all your Broncos coverage!#Broncos #BroncosCountry #LetsRide #NFL #DenverBroncos

LTB Podcast
#358 Rob Anderson: Coaching Youth Clients

LTB Podcast

Play Episode Listen Later Sep 6, 2022 53:14


This week on the LTB podcast Stuart welcomes Rob Anderson to talk about training youth athletes. Rob has a lot of experience coaching young athletes of various ages and sporting backgrounds.  Rob covers the qualifications, experience, and education you need to coach children successfully. He discusses how he has helped create a training environment that supports children's physical and mental development. Believe it or not…he even has teenagers consistently eating vegetables! If you're a personal trainer considering expanding your services to include coaching children, you don't want to miss this episode!      Find Out More About Rob: The Athlete Academy: https://www.instagram.com/athleticevoacademy/?hl=en  LinkedIn: https://uk.linkedin.com/in/rob-anderson-65172129      Find Out More About LTB: Website: https://liftthebar.com/  Instagram: https://www.instagram.com/liftthebar/? 14-Day Free Trial: https://liftthebar.thrivecart.com/ltb-membership-49

Lune The Pod
But It Is (how we found rock n roll, and the darkness within)

Lune The Pod

Play Episode Listen Later Aug 21, 2022 47:12


TRIGGER WARNING: there is talk of sexual abuse, physical abuse, drug and alcohol abuse, along with suicidal thoughts. Nathaniel talks about opening song "But It Is" from LTB's third album "The Ship Is Sinking". He digs into the musical evolution of the band, and the lyrics. Shit gets real. Also a brief discussion of where we are as a country. Indiana Abortion Fund: https://abortionfunds.org/fund/hoosier-abortion-fund/ Stop The Bleed video: https://www.youtube.com/watch?v=WGLLXy3AsBQ The LGBTQ Center: https://www.thelgbtqcenter.org/ Lune The Band: https://lunetheband.bandcamp.com/ I Don't Speak German: https://idontspeakgerman.libsyn.com/ It Could Happen Here: https://www.iheart.com/podcast/1119-it-could-happen-here-30717896/ Cool People Who Did Cool Stuff: https://www.iheart.com/podcast/1119-cool-people-who-did-cool-96003360/

Sobre Ciclismo
⏺ Entrevistas | Iniciativas Ciclistas: Carlos Bruno de Liberá Tu Bicicleta - Proyecto colectivo 🇺🇾

Sobre Ciclismo

Play Episode Listen Later Aug 11, 2022 40:25


🎙️ Hoy hablaremos de bicis y proyectos colectivos. Nos sentamos a charlar un rato con una iniciativa que recupera bicicletas para que vuelvan a circular por la ciudad. El equipo de Liberá Tu Bicicleta recibe donaciones de bicis que ya no se usan, las reparan de manera colaborativa y honoraria para llevarlas posteriormente y de forma gratuita a las personas que las arman o solicitan. Este grupo de amantes del ciclismo ayuda a todas aquellas personas que no pueden acceder a una bici y, además, tengan un gasto diario en transporte colectivo. Nos detenemos con Carlos Bruno, figura visible del proyecto. ¿Dónde encuentras a LTB? 🔵 FACEBOOK: https://www.facebook.com/Liberatubicicleta/ 🐦 TWITTER: https://twitter.com/ltbicicleta 📷 INSTAGRAM: @liberatubicicleta (https://www.instagram.com/liberatubicicleta/?fbclid=IwAR2FHe8whPOL2yiUHprrW2nqJor8yv1Iahj_SDxi2_UH7qL3TzYJ_4MecQo) 📩 MAIL: liberatubicicleta@gmail.com ************************************* 🔘 Entrevista a Carlos Bruno de Liberá Tu Bicicleta ************************************* ⚠️ Actualidad del ciclismo mundial. Y alguna que otra cosita más. Todo esto regado con nuestra mejor selección musical y buena dosis de humor. - 🚴 ¡Únete a nuestro pelotón! "La Grupeta de Sobre Ciclismo". Nuestro grupo de TELEGRAM. Un espacio en el que seguiremos charlando del deporte que amamos: https://t.me/laGrupetadeSobreCiclismo - ☕ ¿Quieres invitarnos a un café que sirva a continuar adelante con nuestro proyecto? Ahora desde CAFECITO puedes darnos una mano; https://cafecito.app/sobreciclismo 💻 WEB: https://sobreciclismo.com/ 🔴 IG: https://www.instagram.com/sobre_ciclismo/ 🔵 Facebook: https://www.facebook.com/Sobre-Ciclismo-237384870922463 🕊️ Twitter: https://twitter.com/sobre_ciclismo 📺 Youtube: https://www.youtube.com/channel/UC1r-vKKGQPfuoru0BH5A1ZQ 🔸 Strava: https://www.strava.com/clubs/736786 🕹 Discord: https://discord.com/invite/3f7eJbufrj 📰 Canal de Telegram: https://t.me/Sobre_Ciclismo ⚔️ Jugamos en Cycling Fantasy ⤵️ ▫️ Código: SOBRECICLISMO ▫️ Contraseña: 2288 🚴‍♀ Pedaleamos todos los viernes a las 20h (CEST): https://www.zwift.com/eu-es/events/view/2967859 - 📧 Escríbenos por mail: hola@sobreciclismo.com ************************************* 🎶 Intro ▶️ Jamie Sloan | I Found Love 🎶 Cierre ▶️ Fernando Cabrera | El Viento en la Cara ************************************* 🔊 🇫🇷 PLAYLIST DEL TOUR CON LA MÚSICA DE SOBRE CICLISMO: https://open.spotify.com/playlist/7yOIH7Now9gRsJ90d4hdtd 🔊 🇮🇹 PLAYLIST DEL GIRO CON LA MÚSICA DE SOBRE CICLISMO: https://open.spotify.com/playlist/0D2L6nvmUMs2GiNktJ8Xkj 🔊 🇪🇸 PLAYLIST DE LA VUELTA CON LA MÚSICA DE SOBRE CICLISMO: https://open.spotify.com/playlist/3l0n0OztJMQXWZexccn2lq ************************************* 💢 Amig@s de este podcast: 🔅 Alimentos Conscientes DEL BIEN: https://www.instagram.com/del.bien/ 🚴‍♂️ Pedales Solidarios: https://www.instagram.com/pedalessolidarios/ 🏁 Buenos Aires Cycling Club - BACC: https://www.instagram.com/cyclingcluba/ ************************************* 👉 Presenta: Javier Ramírez (https://twitter.com/javier_rampe).

Let's Talk Broncos
Predicting Offensive Camp Battles

Let's Talk Broncos

Play Episode Listen Later Jul 12, 2022 55:36


In this episode, Zach, Joey and Bri discuss which Broncos are expected to win every training camp battle on offense. Who will be the backup quarterback? How will Montrell Washington and Kendall Hinton fit together? And what will the offensive line even look like? The LTB crew has you covered

Luka Nation Network
701. Let's go Back to the Beginning with Cage

Luka Nation Network

Play Episode Listen Later Jun 7, 2022 25:38


A trip to Oz with Cage the storyteller brings us back to the beginning of LTB. A simpler time in the hobby and one that we can get back to. Cage talks NBA finals- he talks MLB and even a bit of the Lebron logo man 1/1 authentic vs numeric grade debate. Enjoy and thanks for listening

Let's Talk Broncos
Broncos Mailbag: Thoughts on Browning, Broncos strengths and weaknesses and more!

Let's Talk Broncos

Play Episode Listen Later Jun 2, 2022 68:48


Zach, Joey and Bri answer YOUR Broncos questions in this latest live episode of the show. They'll discuss Baron Browning's move to edge, the Broncos' greatest strength and weakness, the team's sixth man of the year and so much more! Wanna catch the show live next time? Tune in live Wednesdays at 5:30 MT on any of LTB's social media platforms.

BASH that BOOK
LETTERS TO BENNY - Two Letters - Two Angry Wives

BASH that BOOK

Play Episode Listen Later May 27, 2022 4:12


Dear Benny - My Husband Says He Isn't Going - Because two of my ex's are there.

Let's Talk Broncos
Are the Broncos and Javonte Williams being underrated? Plus Russell Wilson on return to Seattle

Let's Talk Broncos

Play Episode Listen Later May 24, 2022 32:36


The LTB crew discusses analysts and friends of Russell Wilson underrating the Broncos in recent days and argues whether or not Javonte Williams is getting enough love from national pundits.

Let's Talk Broncos
Broncos Schedule Reaction ft. Perilous Heights & Threats of Violence

Let's Talk Broncos

Play Episode Listen Later May 17, 2022 66:19


This week the LTB crew reacts to the Broncos' 17-game schedule, as they predict what the Broncos' record will be and discuss what they're most excited to see. Meanwhile, Bri makes threats of violence toward Drew Lock and the crew takes a visit to a death trap.

Guelph Politicast
GUELPH POLITICAST #321 – The Eviction Notice is Just the Beginning of Your Troubles

Guelph Politicast

Play Episode Listen Later Apr 27, 2022 34:53


If there's one thing we can agree on, it's that people shouldn't be forced out of their home after a minor dispute with their landlord. Yes, that happens, and it happens often, but it's been happening a lot more since the Landlord and Tenant Board went virtual, and that made access to the internet another barrier to housing. This seems like something worth talking about. Just last week, there was an item from Global News noting that the five-month freeze in evictions from March to July 2020 is still having an impact on the caseload of the LTB. While there was a significant drop in the number of new cases last year, half of the 48,000 applications sent to the board were eviction requests based on non-payment of rent, and that doesn't necessarily mean several months of back-rent either. Often, someone misses one payment and they find themselves faced with eviction. The other part of this is logistical. In the pandemic, meetings of the LTB have been held virtually and that's come with a variety of problems, some of which were laid out in an Ottawa Citizen article last summer. Yes, there are people who don't have physical access to technology, but as we're all aware, connections on virtual presence apps are not infallible. and it's making the job of advocates like Britney Rodgers even more difficult. This week on the podcast, we're joined by Rodgers, who is a paralegal at the Legal Clinic of Guelph & Wellington County, will tell us about what life was like at the Landlord and Tenant Board in the days before COVID-19, and how the pandemic has changed the course of normal business. She will also talk about the technological barriers doing virtual board hearings, the barriers to proper legal representation, and whether most tenants are even aware of their rights as renters. Let's talk about the challenges at the Landlord and Tenant Board on this week's Guelph Politicast! To get in touch with the Legal Clinic of Guelph & Wellington County you can visit their website, or you can send them an email at gwlegalclinic [at] lao.on.ca. There's a list of resources for tenants on the Legal Clinic's housing webpage, so if you think you might be having an issue with your landlord that you might need legal services to resolve, don't hesitate to reach out. The host for the Guelph Politicast is Podbean. Find more episodes of the Politicast here, or download them on your favourite podcast app at Apple, Stitcher, Google, TuneIn and Spotify . Also, when you subscribe to the Guelph Politicast channel and you will also get an episode of Open Sources Guelph every Monday, and an episode of End Credits every Friday.

Vorlese
70 Jahre Daniel Düsentrieb

Vorlese

Play Episode Listen Later Apr 27, 2022


Seit nunmehr 70 Jahren werkelt und erfindet er…Daniel Düsentrieb. Dem Ingeniör ist… wer kennt ihn nicht…den sympathischen Erfinder aus Entenhausen. Zusammen mit Marko Andric (Chefredakteur vom Micky Maus Magazin und dem LTB) bereiten wir dem Jubiliar eine ‚Festsendung‘. Viel Spaß mit Raketen, Toastern und Helferlein.

Lune The Pod
EBCS, The Catholic Church, and a LTB song

Lune The Pod

Play Episode Listen Later Apr 24, 2022 56:12


WE'RE BACK!!!! after one week off.... Nathaniel talks about the Catholic Church's wealth, and why you should care. Then tells a story about a classmate from his time at Elkhart Baptist Christian School. It's heavy, but important. Just how we like it? Then there are some questions from friend of the show Shawn. We end the episode with LTB song Dead End off of The Ship Is Sinking. Lune The Band: https://lunetheband.bandcamp.com/ Video for Three Dollar Pints: https://youtu.be/wqydPoMp3gE I Don't Speak German: https://idontspeakgerman.libsyn.com/ It Could Happen Here: https://www.iheart.com/podcast/1119-it-could-happen-here-30717896/

Psychodrama
Leaving Las Academia Pt.1- From the R1 Psych Dept to the Social Justice LLC

Psychodrama

Play Episode Listen Later Apr 11, 2022 65:05


The past two years have been marked by among many social factors, the “great resignation.”  This phenomenon has extended to academia and it is a surprise because many refer to it as “the best job in the world.” An occupation that allowed individuals to pursue their own interests, and provided significant autonomy, and for those in tenure track, the possibility of a very stable, protected employment virtually unavailable in any other industry or setting. However, the great resignation has arrived to academia as well.  In the next 2-3 episodes we are attempting to do a brief series that captures various voices of individuals leaving academia for other pursuits. Given our expertise, our guests are psychologists. We are aware that this may seem to narrow the topic significantly. However, we hope that the diverse background of our guests and the fact that they are psychologists, may help provide a special insight into their own motivations and a unique view into the great resignation as they explain why they decided to leave “the best job in the world.” Our first guest in our “Leaving las Academia” series is Dr. Nelson Zounlome who actually posted his resignation from a counseling psychology position at the University of Kentucky on twitter, and that is how we first contacted him.  As you will hear, Dr. Zounlome is a first-generation college student, child of immigrants, and native of South Bend, IN. He earned Bachelor's degrees in Psychology & Sociology, and a Master's degree in Learning Science-Educational Psychology Track, and a Ph.D. in Counseling Psychology from Indiana University. He is a former McNair Scholar, Ford Foundation Fellow, Herman B. Wells Graduate Fellow, and until recently an assistant professor in the counseling psychology department at the university of Kentucky. He published the book “Letters to My Sisters & Brothers: Practical Advice to Successfully Navigate Academia as a Student of Color” and he has channeled his passion for studying “academic persistence and mental wellness to promote holistic healing among Black, Indigenous, and People of Color” in his new enterprise, Liberate the Block or LTB as he calls it to in his words “help BIPOC communities liberate themselves and achieve their wildest dreams.” We hope you enjoy listening to this episode as much as we did recording it.

LTB Podcast
#339 Gregg Slater: Why Hypertrophy Training is For All Your Clients

LTB Podcast

Play Episode Listen Later Apr 11, 2022 36:49


Gregg Slater is LTB's Head of Education and the creator of some of our most popular courses including general population programme design, hypertrophy, understanding weight loss and practical nutrition coaching. In this reposted conversation from 2020, Stuart & Gregg cover what he's learned in the creation of his hypertrophy course, why hypertrophy is for everyone, what he hopes to see in the research over the coming years, how to start planning out long term programming and why the psychology of programme design is as important as the physical.     Find Out More About Gregg: Instagram: https://www.instagram.com/gregg_ltb/  LTB PT course: https://www.instagram.com/ltb_personal_training_course/?hl=en      Find Out More About LTB: Website: https://liftthebar.com/  14-Day Free Trial: https://liftthebar.thrivecart.com/ltb-membership-49 Instagram: https://www.instagram.com/liftthebar/?

Working Capital The Real Estate Podcast
Raising Institutional Capital for Real Estate Investing with Ryan Webster and Warren Dresner | EP98

Working Capital The Real Estate Podcast

Play Episode Listen Later Apr 7, 2022 36:37


Ryan Webster and Warren Dresner are Co-founders of Equity Yield Group. Equity Yield Group is a real estate investment firm specializing in institutional grade, A/B class multifamily assets in great markets, sourced, qualified, and managed by an experienced team. In this episode we talked about: Ryan`s and Warren`s  Bio & Background Real Estate Investment Real Estate Classes Definition of Equity Yield Group The Process of Evolution as an Investor Deal Specifics: from Negotiating to Financing Raising Capital Communicating with Investors Strategy Philosophy on Pre-Deal and Ongoing Communication Reporting Aspects Key Metrics of Pre-Deal Stage Deal Structuring Disposition in Real Estate Underwriting Asset and Local Management Geography of Deals How to Build a Team Investment Philosophy Mentorship, Resources and Lessons Learned Useful links: http://www.justicemap.org https://equityyieldgroup.com Transcriptions: Jesse (0s): Welcome to the working capital real estate podcast. My name is Jesper galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. Ladies and gentlemen, you're listening to working capital the real estate podcast. My name's Jesse for galley and with me today are Ryan Webster and Warren Dresner. They are co-founders of equity yield group equity yield group is a real estate investment firm specializing in institutional grade a and B class multi-family assets in great markets, sourced, qualified and managed by their experience team, guys.   How's it going?   Warren (45s): Great. How are you Jesse?   Jesse (47s): I'm doing fantastic. We've got a bright and sunny day in Toronto. So the snow's gone and hopefully this continues for listeners you're joining us. I think we talked just before the show Miami and it was Iowa Right on. So for listeners that don't have a bit of a background of what you guys do. Maybe we could kind of take it back to the beginning. You know, we want to talk about how you founded this company and get into some of the great deals that you've you've done so far.   But before we do that, maybe you could just provide a little bit of a background about individually, how you got started in real estate, if the path was traditional or if it was not. And then eventually how you guys kind of teamed up to create a degree at this company.   Ryan (1m 33s): Yeah, no, absolutely say I've been in real estate a long time, a real estate professional and an entrepreneur prior to founding equity yield group. I own an operator construction and development company for transitioning into a multi-family acquisitions and working with equity yield group and more in near.   Warren (1m 54s): So I think my perf is probably traditional but different to Ryan's. So I'm from Australia originally been investing in real estate since 2010, largely single family homes. When I moved to the U S 2019, I discovered multi-family and started investing in multi-family as a passive investor, invested in a number of syndications, got to know the industry that way, and then decided I wanted to get more active in this space. And that's when I met Ryan and we'd formed equity yield group, and we started acquiring large multi-family units and, and operating them ourselves.   Jesse (2m 34s): So when, when did you start requiring units? What year was that?   Warren (2m 39s): Equity? Your group? 20. 20.   Jesse (2m 41s): Okay. So fairly recently.   Warren (2m 44s): Yeah.   Jesse (2m 44s): So in terms of the, the kind of foray into real estate, did you have a investing career? I know, you know, Ryan, you just mentioned a little bit of the background there, but was it, you know, where are you familiar with investments years before? Or was this something that, you know, you teaming together was really the, this started of kind of an investment career, like the deals you're talking about syndications and multi-family deals.   Ryan (3m 9s): Yeah, I won't speak for Warren, but as far as a real estate investment, you know, something that I was familiar with and it was, it was working in just in a different capacity and different business model and the, you know, build and sell as opposed to buy and hold.   Warren (3m 24s): I didn't mention it before, but my background's in finance and insurance. So I was comfortable with complex financial structures and investments, not only on my own account and single family homes, but just through a corporate career. Ryan with that construction background as well, was quite familiar with debt structures and complicated capital stacks that go with construction. So together we, I feel like we had a lot of combined knowledge that really helped. So it made it a lot easier to start looking at our own properties.   Jesse (3m 56s): So when you did start looking at your own properties, what was the impetus for multifamily, you know, the array of different residential and commercial real estate classes? What was it about multi-family   Ryan (4m 8s): For me, it was really kind of stability and, you know, a real low risk profile and great risks, gesture returns having been on the other side of that risk profile on the development side, where you have, you know, high levels of, of execution risk, as well as market volatility, risk, and, and hoping that you're gonna hit the timing, your project and the interest isn't going to eat through your profits. You know, the advantage that came with buying stabilized cash flowing assets, and it really provides peace of mind for me and for our investors being able to deliver solid risk adjusted returns   Jesse (4m 47s): In terms of the actual structure that you use. I know from the outset, the sorry, definition of equity yield group, or kind of what you guys do specializing in an institutional grade, how do you define institutional grade, you know, as opposed to family offices or high net worth individuals, what does that definition for, for your team?   Ryan (5m 8s): Yeah, so we buy, you know, late model product. We really prefer, you know, nineties to mid two thousands, but nothing older than the 1985. And, you know, we look for greater than a hundred units, really nothing less than $20 million, but preferably in this, you know, 50 to a hundred million dollar transaction range, but more than that is really the location in the market. We're shopping and in very strong markets with, with great fundamentals that are going to support a strong business plan   Jesse (5m 41s): And Warren, anything, you know, from your, from your vantage point to add on to that.   Warren (5m 47s): No. So, so Ryan summarize it pretty well. I mean, we use this word institutional quality. We really mean better quality assets. We can get into it in a moment, I guess, but whenever we're buying one of these properties, we need to finance it somehow through debt and equity syndicators, we traditionally raise equity from high net worth individuals. Something we also focused our efforts on is raising the money from institutions and institutions are great because they can write a really big check.   And it seems like an easiest solution, but they're tricky because they've got their own appetite and these institutions they're very sophisticated companies. They like to look in the stronger markets, the larger markets, and they prefer the newer assets as well. So we described to what our criteria is that we like to buy later model product in these strong markets in the Southeast, but actually that's exactly what the appetite is of these institutions as well. So I guess that word can apply to both our strategy, but also some of the sources of equity that we're using to buy these products   Jesse (6m 52s): And Warren, what was it, your finance background that assisted or helped in terms of the actual financing side?   Warren (7m 1s): I think it's both of us actually. I think Ryan was very familiar with, with complicated debt structures and how we use brokers as well. A mortgage broker who's really useful. I can access both debt and equity. So I think, I think honestly it's both of our backgrounds that made it familiar to us   Jesse (7m 18s): Now for the average listener. I mean, we have everything that spans from people that have a few units to thousands of units. The team here is obviously I think from the communication we've had, it's been currently invested in over 2000 units for those on the, you know, the smaller size, you know, how does that happen? You know, you kind of alluded it to alluded to it here where you're talking about people writing large checks, but you know, for the average investor, that's trying to take a syndication business and grow it. You don't just start at 2000. So what was that evolution like when you know, what, what would be your suggestion or advice to, to grow to that size if that's the goal of the, of the investor?   Ryan (7m 57s): Yeah, I mean, it's really, it's a business and you gotta start there. You've got to start with, with a plan and a fundamental understanding of, you know, how the business runs when you're dealing with a larger scale properties and then how you want your business internally to run. And, you know, Warren and I set out with a, with a focus of not only providing quality investments and investing in quality properties and projects, but about providing a quality customer experience.   So we're real big on consistent and transparent communication with our investors being accessible to our investors. So not only do they know what to expect with the level of investments that we provide them, but with working with us   Jesse (8m 44s): In terms of the deal you recently did. So I believe it's a $26 million acquisition. And that was like, we've been talking about you utilizing institutional capital. Can you tell us a little about that deal? Just, you know, the deal specifics, how it came together, you know, whether that, you know, from the actual negotiations to the financing, what did that look   Warren (9m 4s): Like? Should I jump in?   Ryan (9m 5s): Yeah, you can go ahead and talk about that.   Warren (9m 7s): Oh, that one is in Sarasota, Florida, which is a market just south of Tampa. The market fundamentals were amazing. So we actually had purchased that one. We closed early 20, 21 on that one. It all starts with the market. We loved the market. There was so much growth in Florida, so much growth around Tampa, so much growth in Sarasota specifically. So the market was outstanding. That particular asset is 148 units. It was built in 2016.   So it's actually a really new product. What was unique about it was, although it was only five years old, the interiors looked a lot older. I guess the developers didn't spend a lot of money on it. There was a real opportunity to clean up the kitchens and, and do a light to moderate rehab and value add project. So we loved it because it was newer, which meant that was a cleaner asset, but there was a real value add upside for us, for the investors. And so that one was $26 million.   We ended up, I think about six or $7 million came from an institution. And then we raised around four and a half million ourselves from high net worth individuals.   Jesse (10m 18s): So are you raising the capital on a fun level where it is committed capital or you raising it during, you know, the, the very stressful, potentially stressful conditional periods of the deal? How D how do you structure that, that chicken and egg? We talk about quite a bit on the show   Warren (10m 35s): Up until now. We've been doing it asset by asset. So in that stressful four week period, we've talked about creating a fund and that's something that's potentially on the agenda for this year.   Jesse (10m 45s): And what's your strategy when it comes to communicating with investors, let's maybe break that up between pre deal when you're actually in the fundraising mode. And then when you were actually with investors in a deal, and, you know, you're going through your process, whether that is value add, or in this case, sounds like it was pretty much a cut and dry. He didn't, it wasn't like you were doing a massive build-out. So those two types of communication, pre deal and ongoing what's, what's your philosophy on that?   Warren (11m 15s): You go ahead, Ryan.   Ryan (11m 17s): Yeah. Again, it's really centered around, you know, transparency. And from an operation standpoint, we, we tend to be very in tune with, with the details of, of not only the business plan, but the day-to-day operations executions. I plan. So when we're raising capital, you know, it's about putting together a presentation that, that gives investors, all the details about what we like about the project itself, the, the market, you know, why we think it's going to do well and how we're going to take it from a, to B without taking up hours and hours of their time.   And then post-closing, it's really about consistency. We send out monthly updates on the 15th of every month to our investors, that kind of track our KPIs from our initial business plan against the performance of the asset, as well as sending out the entire financial reporting package. If investors want to dig in, you know, very granularly, it it's all there and available to them.   Jesse (12m 16s): So when it comes down to the reporting, I mean, some investors there they're large enough where the accounting standards start to matter quite a bit, audited financial statements. You mentioned institutional investors, are you at that level of granularity or is this, you know, unaudited P and L's and balance sheet of what's going on with the project?   Ryan (12m 36s): Now, our financials are pretty detailed and very clean, and actually got, got a great compliment from our CPA and tax accountant this year. She said, it was know, these are the cleanest financials that ever reviewed this beer. And, you know, I love working with you guys because of that. And it helps not only with the institutional equity, but with the lenders as well. And even operationally, if you don't have clean books and you, you can't, you know, take a look at a profit and loss statement and understand what goes into it, it makes it very difficult to run the business.   Jesse (13m 7s): So I'm going to ask a seemingly granular question, but I, I, I'm just curious because we're all in the same business, and I'm curious how you deal with this, but before I do, I just have a question on the key key fundamentals are key metrics that you look at pre deal, whether that's internal rate of return equity, multiple, what do you find is the one that you have the most success communicating to investors, or you find that they request or moves? You know, they're asking, I want to see this specific metric.   Is there one that is head and shoulders above another? Or is it more, you have a bunch of different tools at your disposal?   Ryan (13m 46s): I mean, as far as return metrics, it's a return profile on different investors are looking for different things. So, you know, we, we provide cash on cash return equity, multiple IRR and average annualized return. So depending on which particular metric, the individual investor is attuned to, you know, we have it available for all of them. But as a general statement, you know, we are looking for some sort of current cashflow in all of our, our projects. So we can have that, that drip along the way of cashflow out, along with the appreciation.   Jesse (14m 21s): And when you are structuring these, these deals, it's a little different than the last guest we have we had on because there were more in the value add world. So you actually have these things spinning off capital in the first, you know, the first couple of years, it sounds like in that, in that strategy, are you still using a traditional preferred return and split of, of anything above that? Do you guys use a different, a different strategy or structure? What do you find that you've had success with?   Ryan (14m 49s): Yeah, we typically provide an 8% preferred return to really provide that, that alignment of interests with, with our LP investors. And then, then we typically go to a 70, 30 split, and then depending on the project, we may have a series of waterfalls after that at IRR hurdles.   Jesse (15m 8s): Okay. And for the granular question, I'm curious, because one of our investors that actually asked about this the, the other day, and it's the, the communication that comes with fees, but not just fees, but actually the return metrics in your first year. And you guys are aware that, you know, there's a bit of a J curve when it comes to the return metrics, because the investors put down a hundred thousand, two 50, a million, whatever their LP investment is. But that first year comes with quite a bit of fees associated with it. So the return in year two and three will look different than your one.   Is that a conversation that, that you have, or a communication that you have investors ask about after that first year, I have found that, you know, they're somewhat underwhelmed in the first year of operation until you, you communicate that piece of the, of the puzzle for them. And I find now it's in my, you know, upfront communication right away to talk about how these fees are gonna impact your one, you know, and any thoughts on that?   Ryan (16m 6s): Yeah. We've never had that question. And I think partly because, you know, a lot of our investors are sophisticated and understand how these larger projects run. And the second piece is, you know, in our investor deck and presentation, we break down the, the sources and uses and, and display all the fees in there. And then we break out, you know, cash on cash return on an annual projected basis. So there's really nothing, you know, in that year, one year two, that's missing projections. You know, we lay out the projections for the project on an annual basis   Jesse (16m 38s): When it comes to disposition. One unique difference between our Canadian listeners and us listeners is that the 10 31 exchange does not exist for the Canucks. And for, you know, south the border, you, you guys utilize that is your strategy on disposition to find different assets, or is it an actual full-out sale pay back investors? What do you find is the, for your investors? What are, what are you doing in that, on that front?   Ryan (17m 7s): And it really depends on the projects, but you know, right now with, you know, the bonus depreciation, you know, a lot of our investors are replacing capital and that bonus depreciation offsets, you know, the capital gains there. So the 10 31 isn't always necessary or a required vehicle to offset that gain. But the other tough part about the 10 31 is you are on the clock. You have to find an asset, you have to find something to place that capital in and depending on the market and the timing, you know, there may be a limited number of qualified assets available.   Jesse (17m 47s): And do you have a limited amount of time that, or a time period where these assets are, are held? You know, are you telling investors that, you know, we like to have a capital event in three years, five, seven, whatever that may be.   Ryan (18m 1s): Yeah. We underwrite to a five-year hold due to the strength of the markets we invest in. It's not on a realistic to, to make an exit. And in the two to three year span, we like to keep our projections conservative and just run everything out to, to a five-year. However, you know, we may refi and hang on exit in seven, we may sell in two. It really depend on asset performance in market conditions.   Jesse (18m 26s): Yeah, that makes sense. In terms of the, the actual underwriting from a stress test perspective, obviously, or seemingly obvious that the, the interest rate environment is going to be changing in the upcoming months, it has changed over the last few months. Has anything changed in the way that you underwrite in terms of certain sensitivities that you have when you're looking at properties, whether that's geographic or just loan to value that the interest rates are potentially affecting, how are you, how are you analyzing with in our current environment?   Ryan (19m 0s): Yeah, absolutely. I think that's a great relevant topic. Warren, you want to dig into that one?   Warren (19m 5s): So there are probably two aspects that we're paying much closer attention to at the moment. The first is if we're using floating rate debt where underwriting the forward interest rate curve. So if we can get focused on rate today on that debt, we're actually looking at what the forward projections are from the fed. And then we're assuming that next year, the interest rate might be 5% the year after it might be 5.5%. So it definitely allowing to that increased cost of debt service.   That's the first aspect. The second is at refi were very sensitive to the fact that proceeds available at refi have been driven by loan to value up until this point, interest rates have been so low that most lenders are constrained by LTB rather than debt service coverage ratio. DSCR we think that's going to change going forward. So on all of the deals that we're underwriting, when we look at proceeds available at refi were paying close attention to the projected DSCR in year two or year three.   And we're using that metric to determine how many, how much proceeds are going to be available. And what we're finding is that, whereas in the past, we may have assumed that we were going to get a 75% agency loan and refi. Now it's looking like we might only be able to qualify for a 60% LTV or a 55% LTV loan, and that completely changes the return profile of the deal. So it's a, it's a real, a key factor that we're paying much closer attention to just in the last three months.   Jesse (20m 40s): And are, are you agnostic to the type of debt, whether it's agency debt or, or not, or do you, do you have a,   Warren (20m 49s): We, we want non-recourse debt within that at steel specific we'll look at fixed rate, floating rate, bridge debt agency debt. Whatever's going to make the most sense for the deal.   Jesse (21m 2s): Fair enough. So a good segue to the actual underwriting, or, sorry, the actual asset management of the, of the properties that you have in terms of the operational side of things, is this something that you have in hosts, the actual property management, and then I guess at the higher level would be asset management from your company. What does that relationship look like for your deals?   Ryan (21m 23s): Yeah, so we use a third party property manager that handles the day-to-day operations, and then we handle the asset management piece in house and really focused on, on managing the, the manager and execution of the business plan and tracking that, you know, daily and weekly, as far as are we on track for this particular metric? Have there been any shifts in the market that are going to impact our future projections   Jesse (21m 49s): When it comes to the local management? What's the process for when you have say out-of-state properties that you're buying, where you're not as familiar with the companies that are working there, is this something where you roll up your sleeves and figure out who the, the best company is to manage these? Or is this done quarterbacked all from one location?   Ryan (22m 9s): So, yeah, we work with one property management company. We have a great relationship with them. They performed phenomenally, and there's, there's an alignment of culture between our group and theirs, which we like it to the point where, you know, we won't really invest in, in markets that they don't manage it.   Jesse (22m 26s): Now, when it comes to those markets, I know we mentioned, or we talked before Florida, Carolinas, Texas, are these the key markets that you're looking at right now? Are there any others? And what's that process that you go through to figure out which areas that you want to be investing in?   Ryan (22m 43s): Yeah, no, absolutely. Those are our key focus areas at the moment. But you have to remember that you we're, we're investing a real estate, but we're buying a business that comes with that real estate and you need the fundamentals of the market to be able to support the growth of that business. You know, a lot of the markets across the Southeast and Texas, the key thing is population growth and net migration that that's driving demand pressure in these markets. And then the next thing is, you know, supply, we look for areas that are supply constrained that don't have a lot of units coming online or projected units coming online.   And then the next component is, is really affordability, income, income, growth, and employment.   Jesse (23m 28s): That all makes sense when it comes to the, the team itself. You know, you're building this business, you're finding property management, asset management, obviously there's other stakeholders and members of your team. You kind of alluded before in terms of brokers, you, how important is building the team properly from the outset. And is there any, you know, are there any tips or any advice you'd give investors that are in the process of either building out a team or adjusting a current team that they have, that they want to improve on?   Ryan (23m 57s): Yeah. And the, and this comes back to building and running a business. You know, if you don't have that relevant business or management experience, I wouldn't let that deter you, but, but understand it's going to be a learning curve and there's going to be some on the job learning that comes with that. And I think the classic advice is, you know, be, you know, slow to hire, hire the right people and quick to fire. If there's a problem in, someone's not performing and you, you've tried to manage their performance, aren't able to, you know, don't hang onto them any longer than need to.   They're going to become a detriment to the growth of your business. And as far as hiring goes, you really spend some time defining what are the roles and responsibilities you're trying to hire to do you have the systems and procedures in place where you can bring this person in and they can execute on those rules and responsibilities. And then once you have that back into, okay, who's the ideal person for this role and for the company and who can I work with on a daily basis.   Jesse (24m 60s): Yeah. Right. I couldn't agree with you more on that. I think the there's this conventional wisdom, or there's this idea that real estate investing, isn't a business. And, you know, for those that are familiar with the book, the E-Myth, it's been recommended on the show a few times of actually building your business. For some reason, investors seem to think we're all supposed to be, you know, just kind of shooting from the hip when the reality is it's no different than any other business. You're S you create a team, you create systems and then you really get efficiency out of it. So couldn't agree with you more on that.   I'd be remiss if we didn't touch on the current environment that we are in, or the one that we just laugh. It's been an unprecedented last 24 months, you know, myself working in more broadly commercial real estate. So office retail, industrial, as well as multi raise everything's been affected in some, in some respect, what is your view I'd like to hear from both of you of how we are coming out of this, what we, you know, what you are seeing as the likely outcome in terms of the real estate market over the next few months, and maybe you could talk a little bit about the, the last 24 months and how that's changed your investment philosophy if it has at all.   Ryan (26m 11s): Yeah, absolutely. You know, the, the philosophy hasn't really changed that we're, we're very big fundamental investors that we invest in the strength of the market, and then find the best opportunity in that market. We can, and then build the strongest team we can to, to execute on the business plan. But the things are, are going to change here with the debt market. There's no question about that, but I think the outlook for, for multi-family specifically is still pretty positive, especially in these, you know, the Southeast and in Texas, where you have this, this continued demand pressure from inbound migration.   And the other component is, you know, on the demand side, interest rates also affect the home buyers and the retail consumer. So I think there's a lot of individuals that maybe we'll be looking for, you know, purchasing their first home. That'll be priced out of the market as interest rates come up. And that will continue to drive the demand pressure on, on the multifamily side with that, you know, the supply side is going to be constrained by interest rates as well. It's going to be expensive to build a new product.   Lumber prices have been up and down pretty dramatically over the last six months, but have definitely been higher than historicals, which increase, you know, the cost to build combined with supply chain issues, not only on the material side, but, but the labor side, skilled labor is a problem here in the United States and will continue to be a problem in the United States, which makes replacement product more expensive. And, and I don't see a solution to the housing supply problem. And I, I see, you know, as long as you're investing in, in these markets where the demand pressure's there and you're not hitting an affordability component, that's the next piece that you have to look at?   It's yeah. Rents are moving. Yeah. Demand pressures. High supply is constrained. Rents are moving dramatically. And in some cases, you know, like Tampa saw 32% rent growth last year, which is just ridiculous, but you can't see that back to back year, over year before people can't afford to live anymore. So with that, you have to look at the diversity employment market, wage growth and the cost of living,   Jesse (28m 23s): Or in thoughts,   Warren (28m 25s): I guess just another part of your question about the last 24 months. I think something we really learned, which has reaffirmed our strategy is that with COVID the industry as a whole performed really well, but a lot of that was because of all the money that flowed into the states to provide rental assistance. So one thing we've noticed is that demographics matter. And if you are in a smaller market, if you're in an older property, you're probably more likely to have a tenant base that's reliant on rental assistance.   Who's chosen over the last 24 months or had to over the last 24 months, not pay rent. We haven't seen that at our properties. And I think that's kind of reaffirmed our strategy that if we stick to these strong growing markets, if we stick to these newer assets, we can avoid that demographic and our bad debt tends to be lower. So that was something that we, we never really set out thinking bad debt first, but it's something we really noticed that it's been an issue.   Industry-wide I think that the industry has been fine, but we're starting to say people who are not paying rent, who are, who have been reliant on this rental assistance. And now that it's dried up not able to pay rent. So it's something we've learned over the last 24 months, but like I said, it's actually reaffirmed our strategy, which we're quite happy with.   Jesse (29m 51s): Yeah, no, that makes a lot of sense. I think it's a, it's a common, a common view right now for, for investors. And, and like you said, that as a whole, we, the market did perform pretty robustly, but definitely a dislocation in certain areas, whether that's office retail specific type of office or retail, but looks like, you know, there it is positive the way we're going. You know, especially Canada, we took a little longer, hopefully fingers crossed. Everything is moving in the same direction. There's big contrast when you're flying to Orlando from Toronto and just the, the environment.   So hopefully that, that all moves in the right direction. So we're coming up to the end here. We asked four questions to all the guests and I'll start with those. And at the end, we can talk a little bit about how people can reach out to you and you know, where they can go to connect and whether that's investing in a deal, or basically just trying to reach out or seeing, seeing where you are in social. But before we get that, we have four questions. We ask everybody. So if you're ready, I'll kick them off. So what is something that, you know, now in your real estate career that you wish you had had known when you started out   Warren (31m 2s): Passive? I guess for me, it's real estate is a get rich, slow scheme. So it's time in the market that matters. So I would, what I wish I had known is that I should have started 10 years before I did.   Jesse (31m 16s): That's great time, time in the, or so we're not timing the market time in the market.   Ryan (31m 21s): Absolutely. You know, looking back even the last 12 months. And I think a lot of people do suffer from the analysis paralysis and especially people looking to jump into real estate and get your first deal done. You know, I look back 12 months ago, there were deals that, that we passed on that, that, you know, didn't make sense or were a little tighter than we liked. You know, demographic, strongly area was strongly like the property, but it was, it was the basis and the pricing, we couldn't make sense of.   There's a lot of those deals looking back now that I wish we just would've bought, we'd probably be selling them right now.   Jesse (31m 58s): Fair enough. All right. Number two. Any advice for individuals or younger professionals trying to get into the commercial real estate space? You know, maybe from the framework of mentorship, would, what advice would you have for, for those individuals?   Warren (32m 14s): I would say surround yourself with people who are doing it, who are one or two steps ahead of you? I think we kind of alluded to this in the conversation earlier about going big. It's actually not that much more difficult to go big than to go small. It's all about the size of your thinking. So I think surround yourself with people who are doing bigger deals and you'll realize that you can as well.   Ryan (32m 37s): Yeah, absolutely. And to add to that, it is a unique industry in the sense that I don't know any other industry where you have a willingness of people further down the path to reach back and help the people walking the same path.   Jesse (32m 53s): Yeah. That's a great point. I think we're a pretty spoiled in our industry and it's not a, I don't think we've ever talked about that on the show about, or if we have, it's been a while about how many people there are in our industry that are more than willing to help a younger person out. If anything, they just, they see a little bit of them in the younger individuals and, and they want to help. So, I mean, it makes a lot of sense. Number three, for us, is there any tool resource that can be software, a book that you're utilizing now where you you'd recommend to listeners it could be real estate or business in general,   Warren (33m 27s): Something, something I like it it's a website that we're using. It's called justice maps.org. I don't know if you've seen that Jesse, but it's, we use it basically to look at incomes. It breaks down incomes by, I dunno if it's zip code or even more refined than that, but we don't just rely on what CoStar reports in a radius. We actually map out the specific location of the property and look at incomes all around it. So justice maps.org.   Jesse (33m 54s): Okay. We'll put that in the show notes. It's it's funny. You mentioned that one specifically. I think it was literally yesterday. I ordered a book off of Amazon that had that in there, and I never saw that before justice, but I've heard of like, familiar are a similar type of websites, but it's funny. They specifically mentioned that and it was like a multi-family acquisition book. So we'll definitely put a link for that. Anything, anything for you, Ryan?   Ryan (34m 17s): Yeah, I think I'm kind of relevant to the time sphere and we touched on, on the debt market, but we're looking at the chat and financials website, you know, every day pulling the, the forward interest rate curve forward treasuries. And so for, and, and we use that to underwrite, you know, month over month, our forward debt service, as well as the price interest rate caps.   Jesse (34m 39s): Yeah, that makes sense. All right. The last one listeners know I stole this boat two years ago from a masters of business and Bloomberg first car make and model.   Warren (34m 48s): So I don't, I don't know if the names of the cars are different in Australia, but it was a proton. I think it might've been,   Jesse (34m 55s): I think that that is, I think that is it Nissan or it's not. I know exactly what you're talking about. That is hilarious. That is the first proton we've had on the show. I can tell you that much. How about you, Ryan?   Ryan (35m 7s): Yeah, that's a little more domestic. Had a Chevy Beretta. It was a manual transmission. Five speed.   Jesse (35m 18s): Love it. All right, guys. Well, I appreciate that in terms of where people can reach out to you or for those looking for opportunities, or just generally want to connect on social media, where can we send them to?   Warren (35m 29s): The easiest for us is probably to go to our website equity yield group.com. You can connect with us there. You sign up for our newsletter, keep in touch that way, but that's probably easiest equity yield group.com.   Jesse (35m 43s): Anything else to add Ryan?   Ryan (35m 45s): No, that's really the place to find us. I'm excited to sign up for newsletter. You can schedule a call with us. If you have questions about investing in real estate, if you're interested in investing alongside us and one of our future projects, you can register via an investor intake form there.   Jesse (36m 1s): My guest today has been Ryan and Warren from equity yield group, guys. Thanks for being part of working capital. Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse for galley. If you liked the episode, head on to iTunes and leave us a five star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one.   Take care.  

LTB Podcast
#340 Claire Winter: The Stages of a Personal Training Business

LTB Podcast

Play Episode Listen Later Feb 8, 2022 36:04


Claire Winter, LTBs head of operations, joins Stuart for today's episode. They discuss an article Claire wrote for the LTB magazine on the stages of a personal training business. They talk through the stages - starting out, growth, secure, developing, established - and what each one entails as well as advice for thriving in each stage.     Find Out More About LTB: Instagram: https://www.instagram.com/liftthebar/  Website: https://liftthebar.com/  Blog post: https://liftthebar.com/the-stages-of-a-personal-training-business/ 

LTB Podcast
#329 Alex Pearson: How to Actually Help Your Clients Change Their Behaviours (repost)

LTB Podcast

Play Episode Listen Later Feb 1, 2022 62:35


Alex Pearson, LTB's behaviour change and obesity expert, joins Stuart for today's reposted episode. They discuss helping clients with ambivalence, change and sustain talk, ways to encourage more change talk, using reflections and more. It's a practical discussion about motivational interviewing - a core practice you can use to help your clients change their behaviours.     Find Out More About LTB: Instagram: https://www.instagram.com/liftthebar/  Website: https://liftthebar.com/  £6 for 6 weeks offer: https://liftthebar.thrivecart.com/ltb-membership-6-week-trial/ 

Lune The Pod
16 Horsepower (and how Sarah is responsible for Lune)

Lune The Pod

Play Episode Listen Later Dec 19, 2021 34:17


In this weeks episode, Nathaniel talks about the other most important band to the creation of LTB, 16 Horsepower. A burned cd from a coworker (and dear friend) introduced him to Gothic Americana and a whole different way to look at rock n roll. 16 Horsepower video: https://www.youtube.com/watch?v=THlgU-8dMYg Analecta: https://analecta.bandcamp.com/ Lune The Band: https://lunetheband.bandcamp.com/ I Don't Speak German: https://idontspeakgerman.libsyn.com/ It Could Happen Here: https://www.iheart.com/podcast/1119-it-could-happen-here-30717896/ Assault On America: https://podcasts.apple.com/gb/podcast/the-assault-on-america/id1583994242

Nik And Ant - PTMA Podcast
How to start your own podcast with Stuart Aitken from Lift The Bar

Nik And Ant - PTMA Podcast

Play Episode Listen Later Nov 28, 2021 56:49


We are very fortunate to have Stuart Aitken on in this episode. Stuart runs a very successful podcast, and in our opinion are something one day we aspire to come to close to the quality of episodes Stuart puts out for LTB.  This is specially to support PTs/fitness businesses who are thinking of putting a podcast together but are potentially missing the mark with their reasons why and who they are directing it towards, we covered; What do you feel are the main advantages of a podcast? What are the top 3 things that PTs need to know when setting one up? Where do you feel potentially some PTs go wrong with this? What advice would you give to avoid this? What have been your best 3 take away's from guests you have had on? You can find Stuart @litfthebar on Instagram, or find his podcasts on all popular streaming mediums by search for Lift The Bar.  And feedback, please feel free to send through to; admin@ptmentoracademy.com 

Refining Politics and Culture
Interview w/ Sharon Mckeeman (Founder of "Let Them Breathe"): Tyranny Ends When Parents RISE Up (Ep. 113)

Refining Politics and Culture

Play Episode Listen Later Oct 28, 2021 45:12


In today's episode, we have the honor of speaking with Sharon Mckeeman, activist and founder of "Let Them Breathe" and "Let Them Choose". She shares with us how government overreach happens, what we could do to stop it, and why it's so important to stand up for the next generation and the rights of parents. Come join the conversation! To learn more about Sharon and her organizations LTB & LTC, head to https://www.letthembreathe.net/Follow Let Them Breathe on Instagram: @let_them_breathe_Follow Let Them Choose on Instagram: @let.them.chooseFollow Sharon Mckeeman on Instagram: @sharonmckeemanTo learn more about the recent "No Mask Monday" head here: https://www.westernjournal.com/students-teachers-parents-rise-californias-rules-no-mandate-monday/Download the PublicSq. app here:https://apps.apple.com/us/app/publicsq/id1573823343Donate to the show:https://www.paypal.com/donate/?cmd=_s-xclick&hosted_button_id=CK7PXGDFC89TA&source=urlLeave a positive review for the show on Apple:https://podcasts.apple.com/us/podcast/refining-politics-culture-w-michael-seifert/id1515214229For all other inquiries, please visit my website:http://www.refiningpoliticsandculture.comFollow me on Instagram:@realmichaelseifert@officialpublicsq

Empreendedorismo e Humor A Tradição Conectada com o Novo
Toca Na Tela - Go Wherer com Noberto Busto - LIVE 80 - 45

Empreendedorismo e Humor A Tradição Conectada com o Novo

Play Episode Listen Later Oct 26, 2021 62:09


GO WHERE COMEMORA SEUS 26 ANOS E CELEBRA NOVA FASE COMO MARCA MULTIPLATAFORMA DO MERCADO DE LUXO, GASTRONOMIA E LIFESTYLE O publisher Norberto Busto é fundador da United Magazines Editora, responsável pela publicação da revista Go Where Lifestyle, que celebra 26 anos no mês de outubro. Em mais de 30 anos no comando de equipes das Editoras Azul, LTB, Interview, Bloch, entre outras, o empresário Norberto Busto adquiriu grande experiência em diversas áreas e segmentos. Até que em 1995 decidiu alçar voo solo e lançar sua própria publicação: a Revista Go Where. Atualmente, a Go Where é uma marca multiplataforma curadora do mercado de luxo, gastronomia e lifestyle com o maior portal voltado para o público AAA do Brasil e traz aos leitores, de uma forma leve, inteligente e dinâmica todo o charme e a sofisticação do mercado de luxo. Pioneira no segmento, a publicação aborda o que há de melhor no segmento triple A, incluindo moda, joias, beleza, decoração, turismo, automóveis e iates. Dicas culturais e entrevistas com celebridades também fazem parte do conteúdo editorial da publicação. O conteúdo da Go Where também está disponível nos aplicativos para tablets e smartphones e já conta com mais de 200 mil downloads. --- Send in a voice message: https://anchor.fm/incubadorafusionlife/message

Let's Talk Bruh
LTB Wants to Buy You Groceries | Black Men Talking About Sex Preview

Let's Talk Bruh

Play Episode Listen Later Oct 13, 2021 9:00


Groceries on LTB x Cash App Giveaway #2 Instructions 1. Subscribe to the Let's Talk Bruh YouTube channel 2. Send us an email to letstalkbruh@gmail.com with the subject line, "yall got me?" and your CashApp handle in the message 3. Friday October 15th at 9am we'll randomly select 5 winners and send each winner $100 via CashApp Additional Information 1. To ensure we receive your entry, please turn off the following YouTube privacy setting: Keep all my subscriptions private 2. If you're already subscribed to us on YouTube, simply send an email to letstalkbruh@gmail.com with your YouTube username in the message 3. We will be accepting entries until 9am EST on Friday October 15th and winners will be announced and notified by 10am EST "NO PURCHASE NECESSARY TO ENTER. Must be 18 years or older and U.S. Resident. Void where prohibited. This promotion is in no way sponsored, endorsed or administered by, sanctioned, or associated with YouTube or Instagram. Winners announced Friday October 15th by 10am EST. Groceries on LTB x Cash App Giveaway Information - https://bit.ly/GroceriesOnLTB Black Men Talking About Sex (Trailer) - https://www.youtube.com/watch?v=7DObssVXubI&t=8s Subscribe to the Let's Talk Bruh YouTube Channel: https://www.youtube.com/channel/UCsa2wXlKMWlpAER8v16zXZw Follow Let's Talk Bruh on Twitter & Instagram Join our Men's Facebook Group here: Let's Talk Bruh Facebook Group

Let's Talk Bruh
LTB Wants to Buy You Lunch | Subscribe to Let's Talk Bruh on YouTube!

Let's Talk Bruh

Play Episode Listen Later Oct 6, 2021 4:53


Lunch on LTB x Cash App Giveaway Instructions 1. Subscribe to the Let's Talk Bruh YouTube channel 2. Send us an email to letstalkbruh@gmail.com with the subject line, "I want lunch on LTB" 3. Friday October 8th at 9am we'll randomly select 5 (five) winners and send each winner $30 via CashApp Additional Information 1. To ensure we receive your entry, please turn off the following YouTube privacy setting: Keep all my subscriptions private 2. If you're already subscribed to us on YouTube, simply send an email to letstalkbruh@gmail.com with your YouTube username in the message 3. We will be accepting entries until 9am EST on Friday October 8th and winners will be announced and notified by 10am EST "NO PURCHASE NECESSARY TO ENTER. Must be 18 years or older and U.S. Resident. Void where prohibited. This promotion is in no way sponsored, endorsed or administered by, sanctioned, or associated with YouTube or Instagram. Winners announced Friday October 8th by 10am EST. Lunch on LTB x Cash App Giveaway Information - https://bit.ly/LunchOnLTB The State of Black Masculinity: https://www.youtube.com/watch?v=7nzkzJ8oFTg&t=527s Subscribe to the Let's Talk Bruh YouTube Channel: https://www.youtube.com/channel/UCsa2wXlKMWlpAER8v16zXZw Follow Let's Talk Bruh on Twitter & Instagram Join our Men's Facebook Group here: Let's Talk Bruh Facebook Group  

KT Confidential
Rent Increase Announcement | KT Confidential EP 151

KT Confidential

Play Episode Listen Later Oct 4, 2021 37:24


On this podcast, episode 151, Adrian and Ariel talk about the Rent Freeze that is coming to an end in December 2021. This Rent Freeze was originally created due to the global infection, but now it is coming to an end alongside a Rent Increase announcement. The recommendation for rent increases in Ontario year 2022 is 1.2 percent, based on the Ontario Consumer Price Index (CPI). The CPI is a monthly measure of inflation calculated by Statistics Canada using data that reflects the previous year's economic conditions. Most residential rental accommodations regulated by the Residential Tenancies Act are covered by the guideline. It excludes rental apartments in buildings occupied for the first time after November 15, 2018, social housing units, long-term care facilities, and commercial property. The most most landlords can raise a tenant's rent without the Landlord and Tenant Board's consent is the rent increase guideline (LTB). It covers the majority of rent increases from January 1 to December 31, 2022. In 2021, the great majority of tenants in Ontario will have their rent frozen. The rent rise guideline for 2021 was set at 0% to help renters. Increases in rent are not automatic or obligatory. Landlords are only allowed to raise rent provided they provide renters with at least 90 days written notice on the proper form. The rent increase cannot, in most situations, exceed the rent increase guideline. In addition, it must have been at least 12 months since the start of the lease or the last rent rise. If a tenant believes they have received an erroneous rent increase, they have 12 months to file a complaint with the LTB. All of that and more on KT Confidential - Real Estate Podcast. **************************** Feeling tight on money? Want to save an extra $100 a month? Check out our tips on how to reduce your spending! Money-Saving Tips Guide: http://kormendytrott.com/money-saving-tips/ Money-Saving Apps: https://kormendytrott.com/top-apps-to-save-and-earn-money/ **************************** Watch the previous episode here: https://youtu.be/iaH7g_Co9Ls Catch clips and highlights of the show here: http://www.instagram.com/kormendytrott **************************** Our social: Instagram: http://www.instagram.com/kormendytrott YouTube: https://www.youtube.com/user/kormendytrott Facebook: http://www.facebook.com/kormendytrott Twitter: http://www.twitter.com/KormendyTrott Soundcloud: http://www.soundcloud.com/ktrealty LinkedIn: https://ca.linkedin.com/company/the-k... Pinterest: https://www.pinterest.ca/KormendyTrott TikTok: https://www.tiktok.com/@kormendytrott?lang=en **************************** The founders, Ariel Kormendy and Adrian Trott, started The Kormendy Trott Team, a real estate team based out of Halton region in Ontario, after both being in need of a change from their successful careers in the automotive industry and both experiencing the lack of service being provided in the real estate industry. They kicked off their careers in 2011 and quickly became a top-performing team in the country, ranking 17th of approximately 200 for Century 21 in 2017; as a team of just the two of them compared to much larger teams. They decided that they needed to take their team from being real estate agents in Milton to the rest of the GTA and beyond by expanding and servicing more areas. The team has since grown to have an administrative arm, media department and successful sales team operating a smooth running and successful business. Follow them on social for behind the scenes info, real estate tips, industry secrets and more.

The Let's Talk Bitcoin Network
Unhashed Podcast - Boxer Boners and Ayahuasca

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 27, 2021


Show Notes:On this episode of the Unhashed Podcast, we talk Solana node troubles, Evergrande instability, Robinhood crypto withdrawals, how to pronounce Erdogan's first name, and how Ryan Selkis hates when you don't buy tickets to his events. BREAKING NEWS Friend of the show Riccardo 'œFluffy Pony' Spagni is out of Jail! Congrats Fuffy. In a tweet, Fuffy says 'œI am very pleased that the U.S. court has released me. I am actively working with my attorneys on a way to return to South Africa as soon as possible so I can address this matter and get it behind me once and for all. That's what I've always wanted to do.'On September 14, Solana node operators are coordinating a 'œrestart' of the high-speed blockchain Tuesday in an attempt to bring the stuttering network back online. 'œThe validator community elected to coordinate a restart of the network' and is preparing a 'œnew release' that will right the frozen blockchain, according to an afternoon tweet from the Solana Foundation. In Solana's Discord server, developers distributed restart instructions at 3:21 p.m. Eastern time. The outage began early Tuesday after 'œresource exhaustion' on the network brought blockchain validation to an hours-long halt. On-chain activity froze across Solana's multibillion-dollar ecosystem of trading, staking and lending projects.A source familiar with the matter told CoinDesk that the outage 'œimpacts everything built on Solana, but the issue is the underlying [layer 1].'Tuesday's outage came amid booming interest in Solana, a network seeking to attract Wall Street usage whose token has been on fire since late August. Investors have flocked to Solana as a low-fee platform for decentralized finance (DeFi). The disruption was caused by bot trading of Grape Protocol's Tuesday token offering, founder Anatoly Yakovenko said on Twitter. It is the second time in two weeks that Solana's mainnet cluster experienced 'œinstability,' according to a Messari research note reviewed by CoinDesk. A flood of transactions pushed the network past its limits early Tuesday, Solana's status account tweeted shortly after 3 p.m. Eastern time. The activity triggered a forking that knocked multiple nodes offline. Engineers tried and failed to triage the problem, according to Solana. It's not unheard of for blockchain networks to experience service disruptions. Solana's mainnet is still in beta mode; it last experienced an outage in December, another source said. Last week's hiccup was also related to a resource exhaustion event. 'œIt's good for people to understand that Solana mainnet is still clearly in beta,' said a source building one of Solana's popular DeFi protocols interrupted by the outage. 'œI have faith in the Solana core contributors and validators to resolve this issue promptly.' Engineers were rushing to push a patch to Solana node runners, multiple sources told CoinDesk. Once it's ready and running across 66% of validators (a supermajority on the network) Solana is expected to come back online. Until then, the ecosystem with over $11 billion in total value locked (TVL) is in wait-and-see mode. Activity remains frozen at block #96538485. It is unclear what implications the Tuesday outage may have for Solana. One source in the developer community pointed out that some projects have time-sensitive operations, like liquidations and IDO launches. Those could become thorny the longer the network remains down. Colin put together a price quote sheet if you wanted to run a Solana node here: https://docs.google.com/spreadsheets/d/1rc43ZdM7ocsGmxf7VgLlXubUyVlxyrj_vZpKNiHbuZU/edit?usp=sharingEvergrande is China's largest property developer and was up until recently one of the most valuable companies in the world. However, most analysts now believe Evergrande is on the verge of insolvency and won't be able to meet its mountainous debt obligations without direct government interventions within the next few weeks as it struggles to pay its 4 million subcontractors and is unable to finish properties it is holding deposits on from 1.5 million properties. The crunch occurred because of changes made by the CCP in August of 2020 to the amount of debt Chinese developers could take on. Evergrande was accepting deposits from buyers and was then leveraging that money to borrow more money to expand ops and grow. But with the new rule change, they lost access to the spigot of money. In China, real estate is almost the only asset people invest in, and sometimes it takes generations to save up enough money to make a down payment. Many Chinese people may not get their money back if they invested and put down payments on properties under development by Evergrande. What does this have to do with Bitcoin? Well, the fallout of that collapse is so large that it is affecting large swathes of investors the world over. As Evergrande's fallout affects debt markets, all other markets are affected, especially risky, speculative markets like Bitcoin and other cryptocurrencies. At least, that's the theory.Robinhood is finally testing Bitcoin and crypto withdrawals, as well as a new digital hot wallet, Bloomberg reported on Monday. The update comes after the past year of broad criticism of Robinhood for, among other things, not allowing users to control their own Bitcoin private keys. The firm repeatedly hinted at enabling such features without delivering any evidence that such products were being developed. Robinhood's new hot wallet and Bitcoin and crypto transfer feature announcement also comes after a mounting demand by customers. Bloomberg reported that evidence of such features has appeared in a beta version of the trading platform's iPhone app. Rather than providing photos or other evidence of such features, Bloomberg stated that 'œThe software includes a hidden image portraying a waitlist page' for users to sign up, and attributed the discovery of said features to software developer Steve Moser.Recep Erdogan '" the firebrand Turkish president '" has declared war on Bitcoin. In the aftermath of a sweeping ban on the use of cryptocurrencies back in April, the leader is aiming to assert financial control ahead of launching the digital Lira. While the central bank was not opposed to the utilisation of digital currency, Erdogan believes it faces conflict with cryptocurrencies. 'œWe are in a war against Bitcoin,' he said. 'œBecause we will continue on the road with our money, which is our fundamental identity in this matter.' The president commented during a national youth meeting with representatives from 81 Turkish provinces, following questions about the central bank's perceptions of cryptocurrencies. Many Turks have turned to cryptocurrency as a hedge on the volatility of the Lira in forex markets, and crypto has become a hot topic in Istanbul ahead of the proposal of new legislation aiming to regulate cryptocurrencies. Regulations will pave the way for the full implementation of the digital Lira, which Erdogan's government is aiming to launch by 2023.From ZeroHedge, 'œChina's War Against Crypto Is Officially Ramping Up (Again). In several Chinese provinces, inspections of companies have "intensified", with an eye toward targeting illegal mining at places like colleges, research institutions and data centers, according to the report. One miner in China told Bloomberg that his operations "remain intact" because he "regularly switches to new facilities to house his equipment" which is made up of "no more than 100 machines at one location". Hebei province has asked companies for a self-compliance check to ensure they are not mining by September 30. China has said that crypto mining would 'œseriously affect economic and social development and directly threaten national security." The statement says it would "disrupt" financial order. This news follows tighter restrictions in China across the board, from ending most visa's of foreign english teachers, limiting time on tiktok to 40 minutes per day and video game playing to three hours a week among teenagers.Self proclaimed 'œTwoBit Idiot' Ryan Selkis is running for Senate. In a tweet he stated, 'œIf you're wondering when I actually decided to run for Senate, it was when these fuckers came to my event, didn't buy a ticket, and served one of the speakers a subpoena. Enough talk. More war on our out of control regulatory state.

The Let's Talk Bitcoin Network
Block Crunch - "This is the future of Ethereum scaling" - Starkware, Uri Kolodny & Eli Ben-Sasson, Ep 164

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 27, 2021


Many crypto industry titans - including Vitalik Buterin - believe ZK Rollups are the key to Ethereum's scalability. With DeFi exchange dYdX generating over $2 BILLION in daily volume on Starkware, a ZK Rollup solution, I'm excited to chat with Starkware founders about:Why ZK-Rollups are the future vs. other Layer 2sStarkware vs. Optimism vs. Arbitrum: who wins?Can Fast Layer 1s like Solana compete with Starkware?Host: Jason Choi @mrjasonchoi . Not financial advice.------------ Sponsors -------------PARASWAP is the best place to trade your tokens and get the best price in DeFi today. Get started on paraswap.io/blockcrunchSOLANA: The Solana ecosystem is growing at a rapid pace and it's a great place to build your project or get involved with the community. Go to solana.com/blockcrunch to learn more!------------ Disclosures -------------Disclaimer: Jason Choi is a General Partner at Spartan Capital, a subsidiary of The Spartan Group. All opinions expressed by Jason and podcast guests are solely their own opinions and do not reflect the opinion of The Spartan Group and any of its subsidiaries

The Let's Talk Bitcoin Network
Bitcoin Magazine Podcast - Making Panama Compatible with Bitcoin with Gabriel Silva & Felipe Echandi

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 27, 2021


Have you heard about what's happening in Panama? Hint: It has nothing to do with canals. A new bill has been presented to legalize cryptocurrency and Bitcoin, and we are joined by two important figures in this developing story to learn everything we need to know. Gabriel Silva, a congressman in Panama standing behind this bill, and Felipe Echandi, entrepreneur, seeking to propel the Panamanian economy forward, join us for this fascinating conversation. Our two guests approach the topic with practical discernment and understanding, discussing the basics of crypto legalization in the country, the developing geopolitical factors, and why Panama is becoming an increasingly attractive place for foreign residents. Sharing unique insider insights, Silva and Echandi provide a comprehensive view on Panama's laws, rules around banks and legal tender, comparisons to Singapore, and more. Why this bill specifically? What reality could it espouse to bring positive change for Panama and its people? Catch it all in this exciting episode!

The Let's Talk Bitcoin Network
Bitcoin Audible - Read_561 - The Village and the Strongman [Alex Gladstein]

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 27, 2021


'œSandwiched between Guatemala and Honduras, El Salvador '" the smallest and most densely populated country in Central America, with an average GDP per capita of around $3,500 '" is a most unlikely ground zero for a financial revolution.' - Alex GladsteinGladstein is back with the full story of Bitcoin and El Salvador. What it's like on the ground, the people it all started with, the responsibility we have as a community, & the history that gives much needed perspective to the actions of the political regime. You don't want to miss this one.Check out the original article and tons of other incredible work by Gladstein & others at Bitcoin Magazine:https://bitcoinmagazine.com/culture/the-polarity-of-bitcoin-in-el-salvadorEndless thanks to Bitcoin Magazine and the LTB Network for the incredible content they bring to the Bitcoin ecosystem.Check out our amazing sponsors below that keep this show alive, and all the things made audible for your listening pleasure!' Get sats back on everything with the Fold Card! Check them out at guyswann.com/fold for 20% off the Spin+ Card!' And keep those sats SAFE with the BitBox02 hardware wallet. 5% off with discount code "GUY" at guyswann.com/bitbox

The Let's Talk Bitcoin Network
The Anita Posch Show - Jeff Gallas & Rootz: RaspiBlitz and the Speed of Lightning

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 27, 2021


My guests are Jeff Gallas and Rootz of Fulmo, an open source company dedicated to the research and development of the Lightning Network. They are the organizers of the Lightning Hackdays and the first Lightning Conference that took place in Berlin in 2019 and are supporters of the RaspiBlitz project, a Lightning and Bitcoin full node."If you run a Lightning node you're a part of replacing the VISA and Mastercard networks." - RootzTopics:Development of the Lightning Network and the RaspiBlitzAdoption rate of the Lightning NetworkAccessibility improvementsHow many payments will be possible on the Lightning NetworkMost exciting Lightning projectsWhy it's important to run your own nodeRaspiBlitz integrations, LND and c-lightningResources and RaspiBlitz communitiesShownotes on the episode page

The Let's Talk Bitcoin Network
Block Crunch - Loot: What Is It...And Why Are VCs So Excited About This NFT? - Ep. 163

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 22, 2021


Would you pay $30-$40,000 for a few lines of text against a black background?That's precisely what buyers of Loot - the latest NFT to capture the attention of the entire crypto space - are doing.I'm joined by early Loot adopters and crypto investors Jon Kol (@thePalenimbus) and Angie Dalton (@Daltonan).We discuss:Loot's origins and ties to MMORPG games"Meta-games": the new wave of crypto gaming?Will gaming studios contribute to open source games?What's next for Loot------------- Sponsors -------------PARASWAP is the best place to trade your tokens and get the best price in DeFi today. Get started on paraswap.io/blockcrunchSOLANA: The Solana ecosystem is growing at a rapid pace and it's a great place to build your project or get involved with the community. Go to solana.com/blockcrunch to learn more!------------- Disclosures -------------Musical credits: Underground Stars by Loxbeats https://spoti.fi/34tPBBO Creative Commons '" Attribution 3.0 Unported '" CC BY 3.0 Free Download / Stream: https://bit.ly/underground-stars Music promoted by Audio Library https://youtu.be/vpJDMD2EzkA Disclaimer: Jason Choi is a General Partner at Spartan Capital, a subsidiary of The Spartan Group. All opinions expressed by Jason and podcast guests are solely their own opinions and do not reflect the opinion of The Spartan Group and any of its subsidiaries

The Let's Talk Bitcoin Network
The Anita Posch Show - Adam Back: Future of Bitcoin and Blockstream

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 22, 2021


My guest is Adam Back the inventor of Hashcash, that was used as the proof-of-work method in Bitcoin. His work is cited in the Bitcoin whitepaper as well as in the Tor Browser whitepaper. Adam is a seasoned cryptographer with a PhD in computer science and distributed systems. As co-founder and CEO of Blockstream he is building the infrastructure for the internet of the future.Topics:Blockstream's funding and future plansDecentralization of miningGreenlight: Lightning nodes for everyonehow Bitcoin supports green energyStarlink vs. Blockstream satellitesBitcoin R & D and innovations in AltcoinsInflation bug in BitcoinSimplicity: Bitcoin smart contractsStrategies to de-risk ETFs dangers to BitcoinHow to make more bitcoin out of your bitcoinDeFi on BitcoinWhat Adam Back is doing in his spare timeThe Future of Blockstream and BitcoinHow Bitcoin has changed Adam BackShownotes on the episode page

The Let's Talk Bitcoin Network
The Anita Posch Show - Andreas M. Antonopoulos: Lightning Unleashes Bitcoin

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 22, 2021


My guest is Andreas M. Antonopoulos one of the worlds foremost experts on Bitcoin and open blockchains. Andreas is an educator, author of five books and an excellent speaker. His new co-authored book "Mastering the Lightning Network" will be published at the end of 2021. I was especially excited to be able to speak with him in person while we both visited Berlin. Our topics:the state of Bitcoin in 2021 Taproot and why it's important for Bitcoin the battle between regulators and DeFi staircase of financial sovereignty future of the Lightning Network immutability of Bitcoin what is sound money? Ethereum or Bitcoin will he write another Altcoin book? Shownotes on the episode page

The Let's Talk Bitcoin Network
Unhashed Podcast - How to Be More Sexy w/ Aella

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 22, 2021


On this episode of the Unhashed Podcast, Colin and Mario go off our usual content track and interview Aella Girl, notable internet personality, constructor of insightful Twitter polls, and outspoken sex worker. Aella shares with us the experience of working at OnlyFans, dealing with stigma and taboos, and we explore the intersection of sex work and cryptocurrency.

Mark My Words Podcast
REWIND: How to Make BIG Money in Fine Wine

Mark My Words Podcast

Play Episode Listen Later Sep 22, 2021 38:48


Are you an entrepreneur out there who wants to know and invest in liquid assets like wine and see huge returns on your investment? In today's episode of Mark My Words, Mark and innovative entrepreneur and investor Daniel Gurr discuss in detail the opportunities in wine investment, how to store your wine to avoid damage, the benefits of investing in wine over other investments and why now is as good a time as any to begin to invest liquid assets. KEY TAKEAWAYS Financial markets and how the traditional remit of investments have changed over the past decade. That's due to financial market volatility and of course, the environments of record-low interest rates we find ourselves in, so traditional investors are starting to look outside the mainstream box and adopt strategies within alternative asset classes. Fine wine has characteristics which enable the markets to have a very low correlation to other financial markets. With, of course, the trajectory of the market over the past 10 years, we've got consistency, of course, with the market being demanded by the higher echelons, which is increasing year by year is a good time to invest into the asset class itself. You might come into the market and ask how is the price going to keep on going up in value? The fine wine market has two very unique characteristics. It has an ever-increasing demand because of course, it's a consumable asset, but it's also an asset that increases its quality over some time. So straight away what we've got here is a market that's got finite supply, ever-increasing demand because the wine is maturing, but it's also got an ever-decreasing supply. The best thing about fine wine is that it works off a compound interest formula. It's interest upon interest upon interest. So in your first year from that asset, you might see eight to 10% but come that second year, the circulation is decreasing. All of the client's wine is stored and insured and as long as it's stored in HMRC regulated facility, the wine will stay in that bonded warehouse for remaining of its life. So, therefore, duty and capital gains tax are not applicable. If you had two investors that wanted to come up to you and invest into property, one was a complete novice and never invested into a property before, you're probably not going to introduce them to an HMO or commercial conversion, whereas if you've got someone that has been in property, they've got a background in property, you would introduce them to something different, and that's the same for wine. They can sort of diversify and get into the slightly riskier stuff and make higher returns once their knowledge grows. Red wine is at the core of investment, what about white wine investment? That is more so into a specialist market. What we advise clients is we look at the red wine because of course, with regards to that it all comes back to history and with ourselves, if we're putting our name to what we're suggesting you as you can appreciate, we have to know the full corporate background of that particular wine and it's not to say white wines don't go up in value but of course, they don't have the history and they don't have the corporate background to what red wine has. Where and how do you store wine? There are a few storage facilities in the UK. They're HMRC regulated facility. They're holding it 13 degrees here, away from sunlight, away from the vibration. If you're going to store wine yourself, it has to be stored at the right temperature. As long as you keep red wine at a consistent temperature, because if you've got the uncertainty affecting that wine, that there will be an effect there. There are different subsidiaries, you've got Octavian, you've got LTB and you've got AHD just to name a few, but I'd be phoning them and asking them how this business is? How long have you been working with that particular company? Would you say they're credible? And get their opinion. Also ask the question, "Do you have a wine that you're trading to me? Is this currently in your account?" Or are they taking your funds and then going out to source the stock. Why is wine better or not better than other physical assets? The direct answer to that is fine wine has characteristics that other collectables and other alternative investments don't have and that would be fine wine matures as time goes on. So it has an ever-increasing demand, but because it's a consumable asset, there will be a time where the availability of that wine is going to run out. BEST MOMENTS “Bullshit baffles brain.” “The quality of the wine improves over time as it gets older unlike a watch or a car.” “As people drink it, there is less of it, therefore; the supply side and the demand side should become more favourable over time pushing the price up.” “I believe fine wine is a great way to insulate your wealth when there is economic uncertainty and even more so than gold.” “Fine wine is inverse to cyclical trends and cyclical trends being traditional re-investments.” VALUABLE RESOURCES Book called Investing Into Liquid Assets ABOUT THE GUEST Daniel Gurr is an entrepreneur helping people reach their financial objectives by creating innovative and exciting strategies. Daniel is one of the portfolio advisers and has been with Elite Fine Wine for 3 years after transferring from a wine merchant in Australia over to the UK. Daniel has been instrumental in the accelerated growth of Elite over the past 2 years and played a key role in the development of some of our more junior team members. CONTACT METHOD LinkedIn: https://www.linkedin.com/in/daniel-gurr-665b6014a/?originalSubdomain=uk  THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK's best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he'd tried in the last ten years, combined.  CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive See omnystudio.com/listener for privacy information.

Mark My Words Podcast
REWIND: How to Make BIG Money in Fine Wine

Mark My Words Podcast

Play Episode Listen Later Sep 22, 2021 38:48


Are you an entrepreneur out there who wants to know and invest in liquid assets like wine and see huge returns on your investment? In today's episode of Mark My Words, Mark and innovative entrepreneur and investor Daniel Gurr discuss in detail the opportunities in wine investment, how to store your wine to avoid damage, the benefits of investing in wine over other investments and why now is as good a time as any to begin to invest liquid assets. KEY TAKEAWAYS Financial markets and how the traditional remit of investments have changed over the past decade. That's due to financial market volatility and of course, the environments of record-low interest rates we find ourselves in, so traditional investors are starting to look outside the mainstream box and adopt strategies within alternative asset classes. Fine wine has characteristics which enable the markets to have a very low correlation to other financial markets. With, of course, the trajectory of the market over the past 10 years, we've got consistency, of course, with the market being demanded by the higher echelons, which is increasing year by year is a good time to invest into the asset class itself. You might come into the market and ask how is the price going to keep on going up in value? The fine wine market has two very unique characteristics. It has an ever-increasing demand because of course, it's a consumable asset, but it's also an asset that increases its quality over some time. So straight away what we've got here is a market that's got finite supply, ever-increasing demand because the wine is maturing, but it's also got an ever-decreasing supply. The best thing about fine wine is that it works off a compound interest formula. It's interest upon interest upon interest. So in your first year from that asset, you might see eight to 10% but come that second year, the circulation is decreasing. All of the client's wine is stored and insured and as long as it's stored in HMRC regulated facility, the wine will stay in that bonded warehouse for remaining of its life. So, therefore, duty and capital gains tax are not applicable. If you had two investors that wanted to come up to you and invest into property, one was a complete novice and never invested into a property before, you're probably not going to introduce them to an HMO or commercial conversion, whereas if you've got someone that has been in property, they've got a background in property, you would introduce them to something different, and that's the same for wine. They can sort of diversify and get into the slightly riskier stuff and make higher returns once their knowledge grows. Red wine is at the core of investment, what about white wine investment? That is more so into a specialist market. What we advise clients is we look at the red wine because of course, with regards to that it all comes back to history and with ourselves, if we're putting our name to what we're suggesting you as you can appreciate, we have to know the full corporate background of that particular wine and it's not to say white wines don't go up in value but of course, they don't have the history and they don't have the corporate background to what red wine has. Where and how do you store wine? There are a few storage facilities in the UK. They're HMRC regulated facility. They're holding it 13 degrees here, away from sunlight, away from the vibration. If you're going to store wine yourself, it has to be stored at the right temperature. As long as you keep red wine at a consistent temperature, because if you've got the uncertainty affecting that wine, that there will be an effect there. There are different subsidiaries, you've got Octavian, you've got LTB and you've got AHD just to name a few, but I'd be phoning them and asking them how this business is? How long have you been working with that particular company? Would you say they're credible? And get their opinion. Also ask the question, "Do you have a wine that you're trading to me? Is this currently in your account?" Or are they taking your funds and then going out to source the stock. Why is wine better or not better than other physical assets? The direct answer to that is fine wine has characteristics that other collectables and other alternative investments don't have and that would be fine wine matures as time goes on. So it has an ever-increasing demand, but because it's a consumable asset, there will be a time where the availability of that wine is going to run out. BEST MOMENTS “Bullshit baffles brain.” “The quality of the wine improves over time as it gets older unlike a watch or a car.” “As people drink it, there is less of it, therefore; the supply side and the demand side should become more favourable over time pushing the price up.” “I believe fine wine is a great way to insulate your wealth when there is economic uncertainty and even more so than gold.” “Fine wine is inverse to cyclical trends and cyclical trends being traditional re-investments.” VALUABLE RESOURCES Book called Investing Into Liquid Assets ABOUT THE GUEST Daniel Gurr is an entrepreneur helping people reach their financial objectives by creating innovative and exciting strategies. Daniel is one of the portfolio advisers and has been with Elite Fine Wine for 3 years after transferring from a wine merchant in Australia over to the UK. Daniel has been instrumental in the accelerated growth of Elite over the past 2 years and played a key role in the development of some of our more junior team members. CONTACT METHOD LinkedIn: https://www.linkedin.com/in/daniel-gurr-665b6014a/?originalSubdomain=uk  THE HOST Mark Homer is an entrepreneur investor.  He has worked with investment since he was 15 years old using the laws of wealth! He is a spreadsheet analyst with an impressive following from major publications including BBC Radio, The Wall Street Journal, The Independent, and co-authoring the UK's best-selling property books.  Mark has always looked for the best investment vehicle, and at the end of 2007 with Rob Moore the co-founder of Progressive Property his joint portfolio produced more profit than any of the other investments he'd tried in the last ten years, combined.  CONTACT METHOD Email: Markhomer@progressiveproperty.co.uk LinkedIn: https://www.linkedin.com/in/markhomer1 Facebook: https://www.facebook.com/markprogressive Twitter: https://twitter.com/markprogressive See omnystudio.com/listener for privacy information.

The Let's Talk Bitcoin Network
Bitcoin Spaces - Bitcoin Day in El Salvador

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 10, 2021


As El Salvador announces Bitcoin as legal tender, and the world looks on in wonder at this amazing example of progress, we host a fascinating roundtable conversation on the important aspects of this news. CK, Aaron Van Wirdum, Alex Gladstein, Mike Peterson, Romero Martinez, and several others talk about the rollout, the public reception, Bukele's role, and first impressions of the Chivo Wallet. The conversation also covers some of the background leading up to this momentous time, and a few surprising experiences from our panel, including the ability to pay for a breakfast at McDonald's already! We look at challenges to wider adoption and acceptance of Bitcoin as the main currency, how integration will work with regard to enterprise business, and how the infrastructure and power grid of the country might be able to support Bitcoin mining as it scales. So, to get the latest on these hugely important shifts, and how a small country is leading the charge for the rest of the world to follow, make sure to tune in!

The Let's Talk Bitcoin Network
Unpacking Fed's Smoke and Mirrors in Jacksonhole - FED 62

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 9, 2021


Hosts: Christian Keroles and Ansel LindnerIn this episode of Bitcoin Magazine's 'œFed Watch' podcast, we respond to Chairman Powell's comments at Jackson Hole on 27 August. We listen to several important sound bites and discuss it along the way. Powell was expected to announce a Fed taper, where they begin to shrink their monthly purchase of securities in QE.We have often said that Powell is somewhat of a straight shooter relative to other central banks of the past and present. We also are hesitant to ever agree with a Federal Reserve Chairman, but in this case, we find many points to agree on.Bitcoin is beginning to naturally fit into every discussion on central banks and the international financial system. We touch on bitcoin throughout this episode.

The Let's Talk Bitcoin Network
Bitcoin Magazine Podcast - Making Bitcoin Successful in El Salvador with Jose Lemus

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 7, 2021


Today CK sits down with Jose Lemus, the founder of IBEX Mercado, to talk about the exciting developments in the El Salvadorian Bitcoin space! At the time of this recording, Bitcoin is about to be announced as legal tender in the country, and so by the time you listen to this conversation, that will be official! While this is exciting news for El Salvador, its people, and future, there is still some way to go before Bitcoin and the Lightning Network will be able to truly spread in the country and impact its economy on a massive scale. Jose shares some of his insider perspectives on the El Salvadorian situation and we talk about some of the potential hurdles, Bitcoin's scalability, the vision for IBEX, and the forthcoming months following the big announcement about Bitcoin becoming legal tender. Jose is dedicated and passionate about the spread of this technology and his long-term perspective and big picture mentality are hugely inspiring. For all this, be sure to listen in with us today!

The Let's Talk Bitcoin Network
Unhashed Podcast - Cardano State Machines

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 7, 2021


In this week's episode, the tit is moving (again) so Ruben Bryan and Colin walk through the finer points why DeFi insurance DAOs also need insurance, we give another toot to El Sal legal tender law, Tips on Twitter, and, finally, an analysis of the first live Dapp on Cardano testnet! Look out!From CoinTelegraph, In a candid open letter, the lead contributor of Cover and Ruler Protocol, 'œDeFi Ted,' announced the protocol will close its virtual doors in the near future, citing a mass developer exit as the primary reason for the project's conclusion. Launched earlier this year, the Ethereum-based decentralized finance (DeFi) insurance marketplace enabled users to stake Cover tokens as collateral and receive insurance payouts if their assets in other DeFi protocols are hacked or rug-pulled. In December 2020, the Cover protocol suffered a catastrophic exploit when a hacker minted 40 quintillion tokens, stratospherically increasing the token supply and effectively rendering the project valueless, a hypothesis confirmed with the consequential 97% price plummet. in a drastic turn of events becoming more commonplace in the market, the hacker consciously returned the funds, and attached the stern message, 'œNext time, take care of your own shit.' Despite the compassionate return of funds, serious damage was inflicted on the protocol both in terms of tokenomics value and cultural reputability.From FastCompany.com, On Sept. 7, 2021, El Salvador will become the first country to make bitcoin legal tender. The government even went a step further in promoting the cryptocurrency's use by giving $30 in free bitcoins to citizens who sign up for its national digital wallet, known as Chivo, or 'œcool' in English. Foreigners who invest three bitcoins in the country'"currently about $140,000'"will be granted residency. Legal tender refers to money'"typically coins and banknotes'"that must be accepted if offered in payment of a debt. The front of every U.S. banknote states, 'œThis note is legal tender for all debts public and private.' This statement has been enshrined in federal law in various forms since the late 1800s.In celebration of the El Sal law, a grassroots twitter effort has started to gain momentum for a market buy of $30 per person. From Michael Saylor, 'œOn September 7, El Salvador will officially begin using #Bitcoin as its national currency alongside the U.S. dollar. Every cyber hornet I know is planning to buy $30 in BTC tomorrow in solidarity with the people of #ElSalvador and their leader @nayibbukele. Will you join us?Twitter is now testing the ability to tip users in Bitcoin through Jack Maller's lightning network app Strike, according to The Block and a post on MacRumors. According to The Block, the new lightning service will be Strike enabled and also support Square's forthcoming hardware wallet. The company also lists Blue Wallet and Wallet of Satoshi as examples of custodial wallets and Breez, Muun, Phoenix and Zap as examples of non-custodial wallets. Twitter will also use Strike to produce Bitcoin invoices. For now, Twitter users will need a Strike account to receive tips in Bitcoin. "We use Strike to generate Bitcoin Lightning invoices so you'll need to connect your account to accept Bitcoin tips,' the instructions read. The Bitcoin developments at Twitter follow through with promises by CEO Jack Dorsey made in July. It was implied then that Bitcoin would be enabled in the Tip Jar service. He suggested also that BitcoinFrom @Sassal0X on twitter, The first dapp went live on Cardano today and ADA fanboys are finally discovering that you can't peer review your way out of fundamental issues. From the r/Cardano reddit, 'œLooks good, but when i try to swap things, all im getting is 'œTransaction Fail: UTXOs are being used this block. Please wait 20-40 seconds and try again' Reply : Unfortunately, and I hate to say it because it might be a bit painful, critic have been discussing this for years trying to understand how in the world Cardano is going to implement smart contracts with a UTXO model (which effectively means an app like Uniswap can only handle one TX per block). They've yet to an answer to this question. ' People need to ask such stuff to Charles on his YouTube AMA streams, rather than his thoughts on Afghanistan or something. Reply: They did and he laughed it off. Said people should learn more about eUTXO and it's a non-issue. --- Reply from @LarsBrunjes, the 'œDirector of Education at @InputOutputHK' and PhD in Pure Mathematics 'œYou are right, this is an issue. But our scientists are already thinking of 'œconcurrent state machines' that can address this.The Securities and Exchange Commission is investigating the startup behind one of the biggest cryptocurrency exchanges, as regulators probe further into parts of the digital-asset market that have resisted oversight, according to people familiar with the matter. Regulators are examining Uniswap Labs, the main developer of the world's largest decentralized exchange, called Uniswap, the people said. Enforcement attorneys are seeking information about how investors use Uniswap and how it is marketed, the people said. A spokesman for Uniswap Labs said the company is 'œcommitted to complying with the laws and regulations governing our industry and to providing information to regulators that will assist them with any inquiry.' An SEC spokeswoman declined to comment, saying the agency doesn't confirm or deny investigations. The developers often say they no longer control the protocols, which could diminish their liability under securities laws. SEC Chairman Gary Gensler has said DeFi projects aren't immune from regulatory scrutiny. They may still be controlled by developers or middlemen that benefit from incentives such as trading fees and digital tokens that give holders governance rights over the program, he has said. '" https://archive.is/ewYN

Personal Trainer Daily
"I'm getting ghosted when I mention price" - How to deal with it

Personal Trainer Daily

Play Episode Listen Later Sep 6, 2021 7:44


Getting ghosted when you mention price can be soul destroying but in this short podcast I will help you with some tools and processes to improve your chances of getting the sign up!If you like the idea of having me and my team helping in your PT career, please consider trying out LTB on our 2 week free trial! 

The Let's Talk Bitcoin Network
Meet the Taco Plebs - Bitcoin Doesn't Have to be Complicated with Nameless

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 6, 2021


Bitcoin can be a daunting thing to learn about. It involves the study of several different fields, from computer science to economics. At Bitcoin Magazine, we always hope to be able to educate our readers on the basics of Bitcoin. We offer a guides section, and have a large selection of books in our store. One of my parts about the magazine are contributor articles designed to simplify complex ideas. Nameless, one of our contributors here at the magazine, has sent in several of these articles, including 'œA Gentle Introduction To The Lightning Network,' 'œSo, What Are Bitcoin Miners Actually Doing?' and 'œAn Overview Of Bitcoin's Cryptography.' All of these articles are extremely high quality, and they take some of the more difficult to grasp subjects in Bitcoin and simplify them for the reader.

The Let's Talk Bitcoin Network
The Anita Posch Show - Team Satoshi: Sports and the Road to Bitcoin

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 2, 2021


My guests today are Vitus Zeller and Richard Taylor my team mates at Team Satoshi, a decentralized sports team. We're talking about the interconnections between Bitcoin and sports and how you can participate in this movement.Introduction Vitus and Richard What is Bitcoin for you? Why are you active in the Bitcoin space? What is Team Satoshi and its goal Bitcoin and sports - where is the connection How do you stay healthy? Mental fitness First adventure of Vitus, Satoshi Freeathlon Road to BitcoinIcebathingShownotes on the episode page

The Let's Talk Bitcoin Network
Unhashed Podcast - No Tendies for BTC in China

The Let's Talk Bitcoin Network

Play Episode Listen Later Sep 2, 2021


On this episode of the Unhashed Podcast, we talk Coinbase 2FA slipups, the normalization of Ethereum consensus failures, anti-bitcoin protests in El Salvador, and IMF & CCP critiques of bitcoin. Lastly, we encourage Colin to stop farting on people on planes.Customers of leading United States crypto exchange Coinbase have spent the weekend panicking after the exchange mistakenly sent emails to users stating that their two-factor authentication (2FA) settings had been changed. On Friday, Coinbase accidentally sent the email to 125,000 of its customers, resulting in widespread public backlash. Coinbase took to Twitter on Sunday to apologize for the mishap, stating, 'œWe're laser-focused on building trust and security into the crypto community so that the open financial system we all want is a reality. We recognize that issues like this can hurt that trust.' Despite Coinbase's apology, many of its users reported taking significant measures in response to the email while fearing that their accounts were being targeted by hackers, including overhauling security settings and liquidating their crypto holdings. Comments on the exchange's social media also suggest that numerous customers were unable to access the Coinbase app for several days after the incident. 'œWe will continue to work to gain back the trust of every one of our customers who was impacted by those notifications,' Coinbase added. The firm also announced it is reimbursing users with $100 worth of Bitcoin (BTC). '" https://cointelegraph.com/news/users-panic-after-coinbase-mistakenly-sends-2fa-reset-notices-to-customersEthereum experienced a chain split due a number of network validators, also called nodes, failing to upgrade their software. On Aug. 24, the developer team behind the popular Ethereum software client Geth released an emergency hotfix to a security vulnerability in its code that would have prevented certain users from producing blocks. The Go Ethereum team had disclosed a vulnerability on Aug. 18, saying they would release a patch, but did not specify the exact nature of the vulnerability in an effort to prevent an attack: 'œThe exact attack vector will be provided at a later date to give node operators and dependent downstream projects time to update their nodes and software,' wrote Ethereum team lead Pƒter Szilƒgyi in Aug. 24 GitHub patch notes. However, it would seem some users identified the exploit that was hotfixed by the Geth team and are currently exploiting older versions of the Geth software. Though the Geth team emphasized that all users should upgrade their software immediately, only about 30% of users upgraded to the latest version, according to data from ethernodes.org. As background, Geth is the most relied-upon software to connect to the Ethereum blockchain, being run by roughly 75% of the users. This is not the first time Ethereum has experienced a chain split due to users running outdated versions of Geth. In November, the Ethereum network saw a similar disturbance after users failed to upgrade to the latest Geth release, version 1.10.X. At the time, Geth developers said the event was due to a lack of communication about the urgency of the upgrade. '" https://www.coindesk.com/tech/2021/08/27/ethereum-faces-chain-split-as-node-operators-fail-to-update-geth-hotfix/Hundreds of protesters took to the streets of El Salvador to raise their voices against President Nayib Bukele's decision to make Bitcoin (CRYPTO: BTC) legal tender. What Happened: On Sept 7, Bukele will introduce the much-debated Bitcoin Law in the country. According to the text of this Law, all economic agents must accept Bitcoin along with the dollar as a means of payment. Bukele says that the Bitcoin Law will benefit the people and save close to $400 million in remittance commissions. In addition, it will guarantee instant and more secure financial transactions. But the people of El Salvador are not entirely convinced with it. Hundreds of protesters, including workers, veterans, and pensioners, marched through San Salvador to voice their concerns about the use of cryptocurrency. They are worried that with the law, they will be paid in crypto for their pensions and welfare instead of the US dollar. There is also a concern that people don't understand the technology needed to use crypto-currency. "We know this coin fluctuates drastically. Its value changes from one second to another, and we will have no control over it," Stanley Quinteros, a member of the Supreme Court of Justice's workers' union, told Reuters. Protesters are wary that the introduction of Bitcoin may encourage corruption which is already seen within its borders. However, as per the law, it does not mean that everyone has to conduct their transactions in the cryptocurrency.The International Monetary Fund (IMF) heavily criticized El Salvador's decision to adopt Bitcoin (CRYPTO: BTC) as a legal tender. Alongside a blog post published on Sunday, the IMF tweeted that the risk of "privately issued crypto assets like Bitcoin" makes it so that "making them equivalent to a national currency is an inadvisable shortcut." In its blog post, the IMF admits that digital assets "have the potential to provide cheaper and faster payments, enhance financial inclusion, improve resilience and competition among payment providers, and facilitate cross-border transfers." Still, the institution points out that creating the "requires significant investment as well as difficult policy choices." For this reason, the IMF considers adopting Bitcoin to be a shortcut on El Salvador's part: it adopted a preexistent system instead of creating a custom-made one. The institution admits that many cryptos are secure, easy to access, and cheap to transact but claims that "in most cases risks and costs outweigh potential benefits." For instance, the post claims that crypto's "value is just too volatile and unrelated to the real economy." The IMF also warned that the widespread adoption of a crypto asset such as Bitcoin could hurt macroeconomic stability. The regulator claims that "if goods and services were priced in both a real currency and a crypto asset, households and businesses would spend significant time and resources choosing which money to hold as opposed to engaging in productive activities." Furthermore, adopting crypto exposes exchange rate risk if taxes were quoted in advance in it, while expenditures remained mostly priced in fiat currency or the reverse. Lastly, the IMF raises concern that Bitcoin mining consumes "an enormous amount of electricity" and consequently, "the ecological implications of adopting these crypto assets as a national currency could be dire."This week, the People's Bank of China said Bitcoin has no value. Bitcoin, and other cryptocurrencies "are not legal tenders and have no actual value support," Deputy Director of the Financial Consumer Rights Protection Bureau of the People's Bank of China, Yin Youping, said in the local Chinese language press on August 27. And China is not the only one. On August 13, Russia's Central Bank called it a 'œtechnological financial pyramid scheme.' First Deputy Governor of the Bank of Russia, Sergey Shvetsov, likened buying Bitcoin to "entering a minefield" and said the local stock exchange should not list any companies that trade in Bitcoin (think the local version of Coinbase). UK central bankers said the same a month earlier, on July 18, when the Bank of England's FinTech Director, Tom Mutton, said 'œBitcoin, given its performance shortcomings and energy inefficiency, is in no way a relevant comparison for the sort of technology we might use in a central bank digital currency,' Coindesk reported him saying. And also...the US - On July 16, Jerome Powell said during testimony to Congress that the Fed's ongoing research into a digital dollar would probably just render Bitcoin obsolete. 'œYou wouldn't need stablecoins, you wouldn't need cryptocurrencies, if you had a digital dollar,' he said. And finally, Japan in late May, Bank of Japan governor Haruhiko Kuroda said Bitcoin was basically a casino chip used for highly speculative gambling - 'œNo one really uses Bitcoin as a means of settlement.'Market Rebellion '" $DOGE accounted for 17% of Robinhood's transactional revenue in Q2 '" https://twitter.com/MarketRebels/status/1428177769855336449Tascha '" If you make a NFT of a real diamond, and the diamond itself gets destroyed in a fire tomorrow, you still have the same asset. Because the token still exists and is in limited supply just as before. Nothing has changed. What NFT is doing to the concept of asset, few understand. '" https://twitter.com/RealNatashaChe/status/1429576700346748938Mikeinspace '" Ethereum has been engineered to thrive in a permissive regulatory environment while Bitcoin has been engineered to thrive in a restrictive regulatory environment. So the "big bet" on the future of crypto hinges on one's perspective on the future of the regulatory environment. '" https://twitter.com/mikeinspace/status/1429986344487591940a void (leaks) '" Wow. Craig Wright is paying for his litigation by taking out a loan against the 'œTulip Trust' coins, to be paid back to Calvin Ayre. Coins for which Craig has testified (and his lawyer confirmed) he does not have the private keys. '" https://twitter.com/Tak_Horigoshi/status/142985715743289344

E-14 Podcast “The Sailor’s Voice”
Chasing the Anchor Part 2 Preparing Yourself for the Chief Board

E-14 Podcast “The Sailor’s Voice”

Play Episode Listen Later Mar 2, 2021 21:29


We had the privilege of picking Senior Chief Andrew Griffitts' brain on the Chasing the Anchor Series!! Senior Griffitts sat the board last year for FY21. He enlightened us on : What is a good looking Package to the Board, Myths, Tips/tricks to catch the graders Attention, and what should be in the LTB.

The Flipped Lifestyle Podcast
FL258 - We talk about one risk taken that made Blair $20k in recurring revenue!

The Flipped Lifestyle Podcast

Play Episode Listen Later Nov 23, 2018 50:13


In today's episode, we talk about how we helped Blair with a pricing change that resulted in $20,000.00 in recurring revenue. FULL TRANSCRIPT Jocelyn Sams: Hey y'all. On today's podcast, we talk about how taking one risk made Blair $20,000.00 in recurring revenue. Shane Sams: Welcome to the Flipped Lifestyle podcast, where life always comes before work. We're your hosts, Shane and Jocelyn Sams. We're a real family who figured out how to make our entire living online. Now, we help other families do the same. Are you ready to flip your life? All right, let's get started. Shane Sams: What is going on everybody? Welcome back to the Flipped Lifestyle podcast. It is great to be back with you again this week. And man, we have got an amazing success story for you guys. It is going to inspire you to take massive actions. Maybe to go in and take some of those risks that you've been avoiding, and just show you what is truly possible when you're all in, online. Shane Sams: I wanna welcome to the show today, Flip Your Life community member ... Oh wait, hold on. Pause. Blair, how do you pronounce your last name? Blair T.: Thielemier. The H is silent. Shane Sams: Okay. Thielemier. Blair T.: Yes. Jocelyn Sams: Yes. Jocelyn Sams: Tea, like I drink every morning. Tea. Shane Sams: Because I was about to say Thielemier. Blair T.: No. Jocelyn Sams: I can only imagine what you get called. Shane Sams: Wanna welcome to the show today, Flip Your Life member, Blair Thielemier. Blair, welcome. Blair T.: Thank you for having me. Jocelyn Sams: It's so exciting to have you on today. This is my favorite kinda show, as you know, if you listen to our show very often. I love it when we have people on that we have met in real life. And I have actually spent time with Blair a couple of different times. So, it's really cool to have you on today. Blair T.: Yeah, yeah, so I got to meet you last year in Southern California, at a Women's Leadership Conference. And then, again at Flipped Life Live. So that, was really exciting for me, too. Shane Sams: Yeah, Flip Your Life Live was incredible, because it was just this overwhelming emotional experience, meeting people who ... that weird feeling. It was like the Facebook affect, almost. You feel like you know each other in real life already, and then you're actually in the same place. And our brains have not evolved properly, to handle all these social media connections that we have, or these community connections that we have online, so then it's just a surreal experience, isn't it? To get in the same room with people you feel like you already know personally? Blair T.: And I really loved what you guys did with the Facebook group. Most conferences that you go to, once you buy your ticket, it's like, you don't get to meet anyone til you get there. But with Flipped Life Live, we had the Facebook group, and that, for me, 'cause I didn't know anyone, was really helpful to get to put names with faces, and not feel like I was going in, not knowing anyone. Shane Sams: Now, I really do feel like, that we knew you quite personally before the event, because we had worked together, and we had done some coaching calls. We had talked to you in the forums about some different things that you were doing online. And we kinda made some radical changes in your business. And we say radical changes, but it really was just changing one thing, right? We just kind of switched the way you were presenting an offer. And it led to this massive amount of success that we're gonna talk about in a few minutes. Shane Sams: But tell everybody a little bit more about you, your background, and your online business, leading up to that point where we had that coaching call. Blair T.: Okay, so by training, I am a Pharmacist. It was 2014, and I was pregnant with my daughter. And I got the news that the small hospital that I was working for was facing some budget cuts. And I essentially lost all my benefits and full-time status. So that, led me to scrambling, trying to pick up some different work at local community pharmacies. And through that, and because of my clinical background, they had asked me to do some clinical services for them in the pharmacies. Blair T.: So I did that for about a year. And then, in fall of 2015, I started working with a business coach to build my online business. I had people reaching out to me, asking for help, so that they could create these clinical services in their pharmacies. But I didn't know how to create a program around that. So we started with three one-on-one coaching clients, and then from there, I started building an email list, and building the website that was ... I was blogging about what I was working on, and so that was how people were finding out about MTM Consulting, which is what I'm known for. Shane Sams: And basically, this is just ... it's a way that Pharmacists can add more services to increase revenue. That's really what it is, right? Is that what it is? Blair T.: Right. So, pharmacy's typically seen as a product-based business. Retail pharmacy. And there's only so much you can do, as far as profit margins for medications, because there's laws, and insurance companies, and all that. So what we're seeing now is, more pharmacies adding in services, and becoming a little bit more service-based, like you would have in a physicians office. And these could be weight management courses, they could be ... like, I do genetic testing on people, to tell them which medications and supplements are best for their genetic makeup. Blair T.: So this, is what I've became known for, was people were wanting my advice on how to create these services, and then also, create consulting businesses around these services for themselves. Shane Sams: Interesting. Blair T.: So, yeah. I began by building an email list. And I said, "When I get to 100 members, I'm going to create a course for these people." So, that's what I ... sorry, 100 email subscribers. So, I had a very small list, and- Shane Sams: What year was that? Blair T.: It was December of 2015, when I launched the course for the first time. So, out of the hundred email subscribers, eight people took me up on the beta offer for the equal- Shane Sams: How much was that? Blair T.: $197. Shane Sams: That's awesome. Jocelyn Sams: Wow! Blair T.: Isn't that full circle? Shane Sams: I know, right? I know, that's a great trailer for what's to come. I like what you said there. Everyone remember, $197. This is gonna be a magic number, when we get to it later, okay? How did you feel when you got eight people to buy something for $200 ... that's $1,600.00. And for everybody listening, that's just 100 people on an email list. That's not a 10,000 person email list, right? Blair T.: Right, right. You gotta start somewhere, so it's funny, my web developer actually charged me $1,500.00 to build the course, so I actually kind of pre-sold it. And so profitability wise, I only made about $100.00 off of it the first time. Shane Sams: Hey listen, it's revenue. That's a start, right? Blair T.: That's right. But that was the first, the beta test. And then, I created each lesson, each week. It was like a dripped course. And each week, I would create it. I would send it out to them. I would ask for their feedback. And then, by the end of February, we had all six lessons created, and I launched it again. And I got, I think 15 more members join in the course. Shane Sams: Wow, that's amazing. Jocelyn Sams: Yeah, that's awesome, because it just says, "Okay, these people do want this. People do want this product." Shane Sams: Yeah. And it's amazing, I love what you said, too, you're like, "Well, I made $1,600, but I only profited $100 off that first beta, right? Blair T.: Right. Shane Sams: But now, you've got a course that you can sell over, and over, and over again with the same infrastructure, so when you get the next 15 people, it's all profit. And the next 15 people, you might buy some ads or something, but it starts stacking 'cause you've created something you can sell for two or three years without even worrying about it, right? Blair T.: Right. And then, so these people that had bought the course, really enjoyed it, but they wanted more. The course was very basic about starting a business. So we started from LLC versus sole proprietorship. I mean, we started from the very beginning. And as people went through the course, they wanted more and more specific information about billing for the services, like if the Pharmacist was gonna work in a Physician's office, there's certain billing codes we could use. Blair T.: And so, I thought, "I'm not going to create lesson seven, and then charge them for that. So how do I do this in a way that continues to pay me for my time, in creating these new products?" So, I was working with Natalie E., and she turned me onto the Flipped Life podcast. And she said, "There's these people, they do membership sites. I think this might be the right direction for you to go." Blair T.: And that's how I got introduced to you guys, probably in April of 2016. And we went ahead probably April, May, June, that was the transition into the membership site, so then after that, it was still $197 to join the course, and then after three months, it would roll over to a recurring membership of $27.00 per month. Shane Sams: Now, things ... how did that go, when you first did that? How did it go when you started saying, "Here's the course, and then you get the membership." And then, later on, you raised the price. Didn't you ... you did something radically different. You had a big join fee, or something like that? Blair T.: Yeah, so as we kept building, now we're at 11 lessons in the course. And then, we had forums, and we had monthly member calls. And so, each thing I added, changed the price a little bit, so we worked our way up. By 2018, we were at $997 to join the course, and then $97 a month in recurring, to continue the membership. Shane Sams: So, this was interesting, because this is, kind of, where ... Jocelyn and I, earlier in the year, starting doing more one-and-one work. Right? Where we had some times open in our calendar, where we could come in and really take people ... Jocelyn and I are always on the look for somebody on the verge. They're stuck, right? And there was this moment where you were kinda stuck. And the membership got to a certain point, got to a certain number, and you were only getting a couple people a month, right? Blair T.: Right. Shane Sams: So that's what we talked about on our member call. What made you charge a thousand dollar join fee. When did it go from your mind, like, that's what you called it, when we first talked, to a join fee, compared to buying the course. Right? Because that's a huge amount of money for someone to come out, just to walk in the door, let alone, what they're gonna pay monthly, after. What was the thought process behind that? Where did you get that from? Blair T.: I mean, you know, the gurus say, "If you do an online course, $997." Jocelyn Sams: They have to be right. I mean, hello? Blair T.: And that was essentially the reason. I mean, Jocelyn, when I talked to you last November, at the conference, you kinda said, "That's interesting that you're doing it that way." And I was like, "Yeah, eventually, I'd like to transfer to just doing a monthly membership." Shane Sams: What kept you from doing that? That's interesting you said ... So, you talked to her in November. You talked to us in the summer of next year. What was the delay? What was th