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Tired of being held hostage by thoughts like "When can I eat next?" or "I need to work this off"? In this game-changing episode, Lindsey introduces her signature Triple Threat Tool that stops ED thoughts from spiraling and puts YOU back in control of your mind. Learn the exact 3-step framework to go from being controlled by eating disorder thoughts to being completely in control of your recovery. Key Takeaways You can't fight what you don't acknowledge, and you can't change what you don't challenge Your ED thoughts aren't actually YOUR thoughts - they're learned responses The Triple Threat Tool threatens the lies, the spiral, and the ED's power over your choices You're allowed to have the thought - but you don't have to believe it or act on it Deciding your comeback in advance stops spirals before they start The Triple Threat Tool Breakdown Step 1: NAME IT - Who's Really Talking Here? Purpose: Identify whether this is your ED voice or your authentic voice How to Do It: Give your ED voice an actual name (Restriction Rachel, Control Freak Carla, Body Critic Betty) Separate the ED voice from who you really are Recognize these aren't YOUR thoughts - they're learned responses from diet culture Example: ED Thought: "I shouldn't eat this cookie" Name It: "That's Restriction Rachel trying to control my food choices" Step 2: TAME IT - Take Your Power Back Purpose: Acknowledge the thought without giving it power How to Do It: Refuse to let the ED voice drive the bus Thank the voice but decline to take orders Set boundaries with your ED thoughts like you would with a demanding person Example: Tame It: "Thanks for sharing, Restriction Rachel, but I'm not taking orders from you today" Lindsey's Example: "Rachel, you've been fired. I'm in charge of my nourishment now" Step 3: FRAME IT - Create Your New Truth Purpose: Replace ED lies with recovery-aligned thoughts How to Do It: Create thoughts that feel true and move you toward recovery Not fake positive affirmations - authentic recovery truths Choose thoughts that serve your healing journey Example: Frame It: "My body needs consistent fuel throughout the day, and this cookie is part of my recovery" Real-Life Triple Threat Examples Food Thought Scenario: ED Thought: "I need to work out extra today because I ate something different last night" Name It: "That's Control Freak Carla" Tame It: "Carla, exercise isn't punishment for eating" Frame It: "I move my body because it feels good, not to earn or burn off food" Body Image Scenario: ED Thought: "I look disgusting in this dress" Name It: "That's Body Critic Betty" Tame It: "Betty, your harsh comments aren't welcome here" Frame It: "My body deserves to be treated with respect, and I choose clothes that make me feel comfortable" ED Voice vs. Authentic Voice Guide Your ED Voice: Is harsh, critical, and demanding Uses words like "should," "can't," "need to," "have to" Makes you feel anxious, guilty, or ashamed Wants you to be smaller, eat less, control more Your Authentic Voice: Is kind, curious, and flexible Uses words like "I choose," "I want," "I deserve" Makes you feel peaceful, empowered, or hopeful Wants you to be nourished, rested, and free Common ED Thoughts to Practice With Food Thoughts: "When can I eat next?" "What am I allowed to eat?" "How can I avoid eating?" "I need to work this off" "I shouldn't eat this" Body Image Thoughts: "I look huge in this outfit" "If I eat that, I'll gain weight" "I'm bigger than everyone else" "People are judging my body" "I'm disgusting" Powerful Quotes from This Episode "You can't fight what you don't acknowledge, and you can't change what you don't challenge." "Your eating disorder thoughts aren't actually YOUR thoughts." "You're allowed to have the thought. There's no judgment in having an ED thought pop up." "You are not your thoughts. You are the thinker of your thoughts." "Your ED voice is loud, but your authentic voice is stronger." When to Use the Triple Threat Tool In front of the mirror when body image thoughts attack At meal times when food anxiety kicks in The moment any ED thought enters your mind - don't wait for it to spiral During social eating situations When getting dressed or shopping for clothes Before, during, and after exercise This Week's Homework Give your ED voice a name (make it specific to your struggles) Identify your 3 most common ED thoughts Write out your Triple Threat response for each one Practice your comebacks - decide in advance what you'll say Use the tool immediately when any ED thought pops up Lindsey's Personal Example Situation: Standing in front of closet, choosing what to wear ED Thought: "You can't wear that dress, you look huge, everyone will notice how much weight you've gained" Name It: "That's Gina trying to make me hide my body" Tame It: "Gina, you don't get to dictate my wardrobe choices anymore" Frame It: "I'm choosing clothes that make me feel comfortable and confident in my recovery" Result: Wore the dress, had an amazing day, realized Gina's opinion had nothing to do with reality Signs You Need This Tool Food thoughts consume your mental energy throughout the day You spiral from one negative thought into restriction or shame You feel controlled by thoughts about your body or food You believe every critical thought about yourself You can't distinguish between ED voice and authentic voice What Mastering This Tool Looks Like You catch ED thoughts before they spiral You feel empowered instead of controlled by your mind You can enjoy meals and social situations without mental chatter You respond to body image thoughts with compassion instead of criticism You're present in your life instead of trapped in your head Ready to Master Your Mental Game? If you want to learn how to use the Triple Threat Tool in every situation and build an entire toolkit of weapons against ED thoughts, go to www.herbestself.co and fill out an application to work with Lindsey. Stop trying to figure this out alone. Your ED voice has had you for years - but it doesn't get to have your future. Connect with Lindsey Website: www.herbestself.co  Private Facebook Community: www.herbestselfsociety.com  Client Applications: www.herbestself.co/services  About the Host Lindsey Nichol is a former competitive figure skater turned God-led entrepreneur, boy mom, and digital CEO. She created the Triple Threat Tool during her own recovery journey and now teaches women how to boss around their ED thoughts instead of being bossed by them. If this tool empowered you, please share it with someone who needs to learn how to control their ED thoughts. Your support helps more women discover they don't have to be held hostage by every thought that pops into their head. *While I am a certified health coach, anorexia survivor & eating disorder recovery coach, I do not intend the use of this message to serve as medical advice. Please refer to the disclaimer here in the show & be sure to contact a licensed clinical provider if you are struggling with an eating disorder.

Title: Million Dollar Monday - Mike Hoffman Summary: Mike made his first million in real estate during the COVID short-term rental boom, and his last million by flipping outdated vending machine routes into modern micro markets selling unconventional products like shampoo and Tide pods. His next million will likely come from leveraging AI to scale vending and small business operations. He emphasizes the rapid evolution of AI and its ability to replace manual tasks, predicting a near future where AI-powered robots handle everyday chores. Links to Watch and Subscribe: https://youtu.be/1EOavier6ug Bullet Point Highlights: First million: Real estate + COVID timing (short-term rentals) Last million: Vending machines → flipped old routes into micro markets Sold high-ticket items (e.g., $35 shampoo) in vending setups Tech improvements + AI driving down costs, boosting efficiency Next million: Scaling vending/small biz ops with AI tools Believes AI is replacing human roles fast (e.g., virtual assistants) Predicts humanoid AI robots in homes within 5 years Transcript: Seth Bradley (00:00.172) Welcome to Million Dollar Mondays, how to make, keep, and scale a million dollars. Mike is a super successful entrepreneur in the vending machine business and beyond. Tell us, how did you make your first million dollars?   Yeah, Seth, probably actually through real estate and just getting a little bit kind of lucky with timing with COVID and short term rentals and some of that. But yeah, that's probably how I got the first million.   Gotcha. Yeah. Real estate usually plays a role in the everybody's strategy down the line, whether they're in, you know, in that primary business or not, you know, whether they start out there or they end up there, real estate usually plays a part. How'd you make your last million?   Yeah, that's a good question because it's completely different than real estate, but it's actually been vending machines. that's been kind of fun. just, you you talk about product market fit whenever you're an entrepreneur with a business. And that was just kind of the perfect storm right now of traditional vending really kind of being outdated. And we found a product market fit.   with it. Gotcha. Cool. And that was from, was this maybe mostly attributed to kind of buying those routes, those larger routes?   Mike Hoffman (01:14.646) Exactly, yeah, buying old school routes and really kind of flipping them like a house with modern micro markets, charging with different products and what would fit in a vending machine like more of the unorthodox, know, toilet paper and tide pods and things that wouldn't fit in a traditional vending machine. I mean, we'll sell $35 bottles of shampoo in these micro markets. So just kind of go and add it in a different way.   Yeah, and then with the aging population, there's got to be more and more of these things popping up. So there should be more opportunity for people to get involved or for people like yourself to just snag everything, right?   Yeah, think there's no chance I could snag everything, not even just in this town alone that I'm currently in. I mean, machines are getting cheaper, the technology is getting way better with AI. And nowadays, it's not what fits in a vending machine motor. It's okay, what's shelf space? So if it's a bottle of shampoo or a glass Coke, it doesn't matter because it's not just getting thrown down the chute of a traditional machine.   Makes sense, makes sense. Last, how are you planning on making your next million dollars?   I think probably with AI, we're doing a lot of interesting stuff with helping people scale their vending routes that is applicable to any small business. And so I'm really intrigued. Just every time I go down a rabbit hole with some new AI tool, I feel like there's another better one that just came right behind it. So I just think it's kind of that time where you can really get ahead by just learning right now in this kind of wave of AI.   Seth Bradley (02:49.27) Yeah, totally makes sense. mean, people that are not paying attention to AI, whether it's simply using chat GBT instead of Google search are getting left behind quickly because it's just advancing so fast. I can't even imagine what this world's going to look like five years from now, the way that things are moving.   It's crazy. Three years ago when I was working for a tech company selling software to the government, I would have to work with three secretaries to schedule a meeting with the general to sell their software. Now my EA is literally an AI bot and everyone that's scheduling time on my calendar, they don't even know they're talking to a non-human, which is perfect.   Yeah, 100%. I predicted within five years, everybody's going to have a humanoid robot in their home with AI instilled, and they're going to be doing physical things for us at our homes.   I hope so. I hope they can go to Costco, get all our groceries, do our laundry, the dishes.   Yup. Yup. Awesome,   Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Mike Hoffman's Links: https://www.instagram.com/mikehoffmannofficial/ https://x.com/mrpassive_?lang=en https://www.linkedin.com/in/mikedhoffmann/ https://www.tiktok.com/@mr.passive https://www.tiktok.com/@sethbradleyesq?lang=en

USDA Deputy Secretary Stephen Vaden argued recently for closing USDA buildings and moving staff out of the nation's capital region.

Lil Tay Joins OF on 18th Birthday and Makes 1 MILLION Dollars In 3 Hours!

Headlines says the majority of people don't change their underwear often Do you really need to flex in song form these days? Makes you wonder how product placement in music really works We gotta talk about Summer Slam and holy hell was it good

An apple pie, plain and simple, with no sugar added – these are a real favourite served with ice cream, cream, and cinnamon. Makes 6 individual pies Ingredients 1 kg apples, granny smith 1 cup water 2 x 400g blocks sweet short pastry Ice cream to serve Cream to serve Cinnamon to serve Method Set the oven at 200 C fan bake with an oven tray already in the oven to heat up. Grease large-sized (Texan) muffin tin. Prepare the apples by peeling, coring, and slicing, and placing with 1 cup of water into a saucepan with the lid on and gently cook for about 15 minutes. They should retain their shape without turning into pulp. Drain in a colander, reserving the juice which can be reduced to a syrup by simmering it for 5-8 minutes. Cool the apples completely before you start filling the pies. Please note apples do not need added sugar, as they are sweet enough. Now roll your pastry out and cut into circles about the size of a small saucer. Gently line the muffin tin holes with pastry. Patch up any tears or holes. Fill to 3/4 with the apples and then cover with another smaller round of pastry and pinch top to bottom to seal. Use a sharp knife to make a small cross on the top (this lets the steam out). Place on hot tray and bake for approx. 25 minutes near the bottom of the oven, as this makes sure the bottoms cooks. The pastry should be a lovely golden colour. Keep checking to making sure the edges of the pies aren't burning.  Cool in tins then gently remove from their tins. Serve with ice cream and clouds of whipped cream and a sprinkle of cinnamon with a small jug of the reserved apple syrup. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Post for Cold Spring firm promises 'sexy girls' A spa that opened on Main Street in Cold Spring earlier this year and another in Beacon are promoted on adults-only websites with language that implies prostitution. Good Life Wellness Spa, at 145 Main St. in Cold Spring, and Rose Eliza Spa Beacon at 4 Eliza St. in Beacon, are each advertised in posts on sites such as LoveEscort, Bedpage, Rubsguide and XEscortHub. The latter includes a typical legal disclaimer that escorts "do not necessarily involve sexual services." The owners of Good Life Wellness told the Cold Spring Planning Board last year in an application for a change-of-use variance for its rented space that it would offer acupressure, reflexology, skin treatment and skin care. Its phone number and Cold Spring address are promoted on sites with ads that promise "unique massage techniques with sexy girls bring you pleasure. Makes you happy quickly." A similar posting on Bedpage said "two new Asian girls" in "good shape" with a "desire to please you" had joined the Cold Spring location. "Our alluring companions are available for engagements" and "open to all your desires and fantasies," it said. The Rose Eliza Spa promised in an ad that it had "new sweet girls" who are "open-minded" and will "treat you specially." One post features a video clip of a woman making hand motions that suggest manual sex. The spa's website does not contain similar language or images and provides a price list for standard treatments and reflexology. It was difficult to identify the owners of the businesses or to reach them. A woman who answered the phone at Good Life Wellness said she did not speak English well and declined to take a phone message for Yan Min Cao, listed on the Planning Board application as the manager. She said a request for information should be sent by text, which received no response. The spa, which is on the second floor, says in the window it is open from 9 a.m. to 9 p.m. daily. No one answered the doorbell on a weekday morning. A woman who answered the phone number given on the Planning Board application for Cheng Fisher, identified as a spa representative, said Fisher was not available and that Good Life Wellness had been sold. Fisher did not respond to a message sent to an email address provided to the Planning Board. The building owner declined comment and did not respond to a request for contact information for the spa's owner. Good Life Wellness Spa Inc. was incorporated in June 2024, according to state records, with Yinghua Lui as its registered agent but no contact information beyond the Cold Spring address. A woman who answered the phone at Rose Eliza said her English was not good and asked a reporter to send a text. Asked who posted the online ads, she wrote: "We don't know." She wrote that "the boss has returned to China" and "there are only workers here." She added: "We have a regular massage [business]" and sent photos of female customers whom she said were "frequent visitors." Rose Eliza Spa Inc. was incorporated in October 2023, according to state records, with Lihua Li as its registered agent, but no contact information is provided beyond its Beacon address. A message left in person with an employee at the salon was not returned. The owner of the building that includes 4 Eliza St. said in a phone call in April: "Thank you for bringing these ads to my attention. I had never seen these posts before and am appalled. It goes against our lease terms, and we will be taking immediate action." He did not respond to subsequent inquiries. Soon after the Rose Eliza spa opened last summer, a user on AMP Reviews, a website in which men discuss their experiences at "Asian massage parlors," requested "any intel on [the new] Rose Spa in Beacon (Eliza St)? I see them advertising on Skip the Games," another escort directory. A reviewer who posted in August 2024 said his experience at Rose Eliza had been "very mechanical" with "no engagement." A second user who posted in ...

Happy feast of St. Ignatius of Loyola! On today’s show, Matt Swaim and Anna Mitchell welcome pastoral counselor Kevin Prendergast to share how St. Ignatius can be a wise teacher in the world of spiritual and emotional health. Other guests include Rita Heikenfeld with Bible Foods, and Courtney Brown from Ruah Woods. Plus news, weather, sports, and more… ***** Suscipe Prayer of St. Ignatius of Loyola Take, Lord, and receive all my liberty,my memory, my understanding,and my entire will,All I have and call my own.You have given all to me.To you, Lord, I return it.Everything is yours; do with it what you will.Give me only your love and your grace,that is enough for me. ***** RECIPES FROM RITA: OREO COOKIE RICE KRISPIE TREATS Let the kids crush the cookies! Ingredients 15 Oreo cookies 6 tablespoons butter, salted (if using unsalted, add 1/4 teaspoon salt when melting butter) plus extra for greasing pan 15 oz mini marshmallows, divided, 7- 8 cups, divided into 5 and 2-1/2 to 3 cups 1-1/2 teaspoons vanilla 6 cups crisped rice cereal Instructions Grease a 9×13 pan lightly with butter. Place your Oreo cookies in a large ziplock and use a rolling pin to break into pieces (don’t pulverize them completely to crumbs. If desired, transfer to a fine mesh strainer to sift out any small crumbs (this will keep your rice krispie treats from turning gray). Melt butter in large pot over medium-low heat. DON’T BE TEMPTED TO DO HIGHER HEAT AS THIS WILL AFFECT HOW MARSHMALLOWS MELT. Stir in 5 cups of your mini marshmallows and cook, stirring frequently, until just melted. Stir in vanilla then add cereal and stir until combined. Add remaining marshmallows and broken Oreos and stir briefly until just-combined. Immediately pour into prepared baking pan and smooth with a spatula (do not firmly press the cereal into the pan or it will make the treats tough). Allow to cool completely before cutting and serving. Storing Store in an airtight container at room temperature (do not refrigerate otherwise they will turn hard) for up to 3 days. Makes 15-20 treats. ***** Dr. Luke Arredondo is with the St. Brendan Center for Evangelization and Spirituality Brendan Towell’s article on Ozzy Osbourne and faith is at ncregister.com. Full list of guestsSee omnystudio.com/listener for privacy information.

Title: How to Make Millions with Vending Machines with Mike Hoffman Summary: In this conversation, Seth Bradley and Mike Hoffman delve into the world of vending machines as a business opportunity. Mike shares his journey from a Midwest farm boy to a successful entrepreneur in the vending industry, highlighting the evolution of vending technology and the potential for passive income. They discuss the importance of location, understanding demographics, and the scalability of vending routes. Mike emphasizes the need for upfront work and learning before delegating tasks, while also addressing the misconceptions surrounding passive income in the vending business. In this conversation, Seth Bradley and Mike discuss various aspects of entrepreneurship, particularly in the vending machine business. They explore the importance of capital raising, the journey of self-discovery, influences that shape business decisions, and the definition of success. The dialogue emphasizes the significance of flexibility, discipline, and focus in achieving entrepreneurial goals, while also touching on financial milestones and the attributes that distinguish successful entrepreneurs. Links to Watch and Subscribe:   Bullet Point Highlights: Mike's journey from a classic Midwest farm boy to a successful entrepreneur. The evolution of vending machines from traditional to smart technology. Understanding the importance of location in the vending business. The analogy of baseball levels to describe starting in vending. Scaling up from single A to big leagues in vending routes. The significance of demographics in product selection for vending machines. The potential for passive income with proper systems in place. The need for upfront work before achieving passivity in business. Vending is not a get-rich-quick scheme; it requires dedication. The future opportunities in the vending industry are expanding rapidly. Raising capital can dilute ownership but may be necessary for rapid growth. Self-discovery often leads to unexpected career paths. Influences in business can come from personal experiences rather than just mentors. Success is often defined by the ability to prioritize family and flexibility. Entrepreneurs work harder than in traditional jobs but gain flexibility. Discipline is crucial for saying no to distractions. Successful entrepreneurs often focus on niche markets. High foot traffic locations are ideal for vending machines. AI is transforming business operations and efficiency. Networking and connections can lead to valuable opportunities. Transcript: Seth Bradley, Esq. (00:04.898) Mike, what's going on buddy? Doing great brother, doing great. How about you?   Mike (00:06.748) Don't worry,   Mike (00:11.664) Good, I'm a little flustered. I usually have my mic set up over here, but I guess we just moved and it's not here today. I guess, yeah, new office and it's been a whole hot mess.   Seth Bradley, Esq. (00:19.822) New office or what?   Seth Bradley, Esq. (00:27.862) Nice man, nice. I see you got the whiteboard cranking back there. Love to see that.   Mike (00:33.114) Always. I love your background. That's sweet.   Seth Bradley, Esq. (00:38.03) Thanks man, yeah, I'm on camera all the time so I like I need to just build this out instead of using like a green screen so Made the investment made it happen   Mike (00:44.86) Totally.   Yeah, absolutely.   Seth Bradley, Esq. (00:49.442) Have we met in person or not? I don't know if we've met at a Wealth Without Wall Street event or I couldn't tell. Okay. No, I did not go to Nashville last year.   Mike (00:58.478) I don't think so. don't think you're... Were you in Nashville last year?   Mike (01:04.634) No, okay. No, I don't think we've met in person. Yeah.   Seth Bradley, Esq. (01:08.256) Okay, all good, man. All good. Well, cool. I'll just go over the format real quick. We'll do kind of a shorter recording. We're do like 30 minutes, something like in that range. And then we'll just kind of like break. And then I'll, want to record a couple of other quick segments where I call it Million Dollar Monday. I'm kind of asking you about how you made your first, last and next million. And then 1 % closer, which would just be kind of what separates you, what makes you the   top 1 % in your particular vertical. So we'll just kind of record those separately. Those will be real short, like five minutes or so.   Mike (01:44.924) Okay, yeah, I'll follow your lead. All good.   Seth Bradley, Esq. (01:47.15) Cool. Cool. Let's see. I think I already have this auto recording. So we're already recording. So I'll just jump right in.   Mike (01:55.377) Okay.   Seth Bradley, Esq. (01:57.782) Welcome to Raise the Bar Radio, hosted by yours truly Seth Bradley. We today we've got Mr. Passive, Mike Hoffman. Mike, welcome to the show.   Mike (02:08.189) Thank you for having me fired up to be here.   Seth Bradley, Esq. (02:10.855) Absolutely man, really happy to have you on. I know it's been a little bit of a trek here to get our schedules lined up, but really stoked to have you on today, man. I see you said you moved into a new office. You've got the whiteboard cranking, so love to see it.   Mike (02:25.372) yeah, whiteboards are the only place I can get my thoughts down.   Seth Bradley, Esq. (02:29.399) Yeah, man, it makes a difference when you actually write something rather than type it or even on a mirror board where you're doing it online. just there's something about physically writing something down.   Mike (02:41.328) You know, I'm glad you said that because yesterday I flipped to Seattle for a quick work trip and I didn't have wifi and I literally had three pages of just, I, was so like the clarity of some of these kinds of bigger visions I have now from just being able to write for an hour on a flight was, I was like, man, I gotta do this more often.   Seth Bradley, Esq. (03:00.363) Yeah, for sure. The key though is once you write it down, it just doesn't go into the trash or into a black hole somewhere where you never see it again. So that's kind of the disadvantage there. If you have it on your computer and you're taking notes or you have it on a mirror board, at least it's there to reference all the time. If you write it down on paper, sometimes, I've got my Raze Masters book right here for notes, but it's like, it might go into the abyss and I'll never look at it again. So you gotta be careful about that.   Mike (03:27.184) Yeah, yeah, I need to check out the Miro boards. I've heard a lot of good things about them.   Seth Bradley, Esq. (03:31.467) Yeah, yeah. Awesome, Mike. Well, listen, for our audience who doesn't know anything about you, maybe just tell them, you know, tell them a little bit about your background. Tell them about your your main business and we can take it from there.   Mike (03:43.354) Yeah. So I think for those that don't know about me, I'm a classic Midwest farm boy started with a classic, you know, showing cattle at the county fair and all of that and had a lemonade stand growing up. And then my first job was actually at McDonald's, you know, thinking about the whole success of that business model. But when I was coaching and, out of college, I got my first rental and I was like, wow, this is crazy. making money without.   really much time involved. and then with my work in Silicon Valley, know, Seth, was classic Silicon Valley, you know, cutthroat job that, startup life and traveling three weeks out of the month. And I was on, I was in airports all the time. And was like, these vending machines I would run into at airports were just so archaic. And so I went down this path of like unattended retail and kind of the future of, of that. And that's really where I just see a huge opportunity right now.   And so it's kind of what led me into all these different income streams that I'm passionate about.   Seth Bradley, Esq. (04:49.431) That's awesome, man. Well, let's dive into that a little bit deeper. me about these income streams. It centers around vending machines, right? But I'm sure there's a lot more to it. I'm sure there's a lot of different entry points for people. Maybe just kind of give us a general synopsis to start out.   Mike (05:06.78) Yeah, so I think the big thing with, you know, if we're talking vending specifically as an income stream, you know, most people think of vending as the traditional machines where you enter in a code, you put your card on the machine and then a motor spirals down a Snickers bar or a soda and you go into the chute and grab it.   Nowadays, there's these smart machines that literally you just unlock the door, or even if you go into, land in the Vegas airport right at the bottom of the escalator where it says, welcome to Las Vegas, there's a 7-Eleven with gates and AI cameras, and there's no employees in the 7-Eleven. And it just tracks whatever you grab and to exit the gate, you have to pay for it. So like, there's just this huge market now where we just installed it in urgent care.   less than two months ago and we can do over the counter meds in that machine because it doesn't have to fit into a motor. It's just shelf space. You identify with the planogram with the AI cameras like, okay, Dayquil in this slot or Salad in this slot and then whatever they grab, gets charged to the person that pulls it from it.   Seth Bradley, Esq. (06:15.469) That's interesting, man. Yeah, I mean, my initial thought too, was just like the traditional old vending machine where you're getting a candy bar or a cola out of there. But yeah, nowadays, now that you mentioned that, you see this more and more every single day where you've got these scanners, you've got kind of self-checkout, that sort of thing. So that's kind of, that expands that world and really opens it up to the future, right? Like it just really, that's what we're trying to get to, or at least we think we wanna get there, where we're kind of removing humans and...   kind of working with technologies and things like that.   Mike (06:49.488) Yeah, and I think, you know, removing the whole human thing. mean, those machines still got to get stocked and you know, there's not robots running around doing that. But I just come back to, I was a Marriott guy when I was on the road all the time and I'd go to these grab and goes at a Marriott and grab a, the end of the night, I'd grab like a little wine or an ice cream sandwich. And I literally had to go wait in line at the check-in desk behind three people checking in just to tell them, Hey, put these on.   room charge and I was like if I had a checkout kiosk in that grab-and-go I could have just removed all the friction for this customer experience.   Seth Bradley, Esq. (07:27.772) Right, 100%. Yeah, I mean, there's a place and time for it and there's more and more applications for it that just pop up every single day and you can kind of spot that in your life as you're just kind of moving through, whether you're checking into your hotel or whatever you're doing.   Mike (07:41.456) Yeah, yeah. So that's just kind of what excites me today.   Seth Bradley, Esq. (07:45.973) Yeah, yeah, so when a stranger asks you what you do just in the street, what do you tell them? Because I have a hard time answering that question sometimes too, but I'd love to hear what your answer is.   Mike (07:56.804) Yeah, I would just say it depends on the day. You know, what do you do or what's your, you know, it's like at the golf course when you get paired up with a stranger and they're like, tell me about what you do for your career. And I just say, I'm a classic entrepreneur. And then I'm like, well, what do you do? And it's like, well, tell me about the day. You know, what fire are you putting out? Like today we just got the go ahead for five more urgent cares for our local route. But then, you know, we have a community of operators across the country that we help really build.   Seth Bradley, Esq. (07:57.933) haha   Ha ha ha.   Seth Bradley, Esq. (08:09.879) Yeah. Yeah.   Mike (08:25.616) Vending empires and so we had a group call this morning. So literally, there's a lot of just, you know, it's classic entrepreneurial life. You never know what the day's script is gonna be.   Seth Bradley, Esq. (08:36.161) Yeah, for sure. And you focus a lot on not only on your own business, but also teaching others, right? Teaching others how to kind of break into this business.   Mike (08:45.402) Yeah, that's my passion, Seth. When I got into my first investment out of college was a $70,000 rental, you know, putting 20 % down or 14K and using an emergency fund. like my background in going to college was as a coach. like I knew I wanted to kind of take that mindset of like coaching people, you know, teach them how to fish. I don't want to catch all the fish myself. It's just not fulfilling that way. So that's really where my passion is.   Seth Bradley, Esq. (09:15.373) Gotcha, gotcha. tell me about like, tell me about step one. I mean, how does somebody break into this business? Obviously your own personal business is probably very advanced. There's probably a lot more sophisticated investing strategies at this point and you've got different layers to it. But somebody just kind of starting out that said, hey, this sounds pretty interesting. This vending machine business sounds like it can be passive. How do you recommend that they get started?   Mike (09:40.57) Yeah, so I'm always, I view like the whole vending scale as similar to Major League Baseball. You got your single A all the way up to the big leagues. And if you're just starting out, I always recommend like find a location where you can put a machine and just learn the process. Like to me, that's single A analogy. you know, that always starts with, people want to jump right to like, well, what type of machines do you recommend?   products, how do you price products? And the first question I'll always ask Seth is, well, what location is this machine going in? And they're like, well, I don't know yet. I was just going to buy one and put it in my garage to start. And it's like, no, you need to have the location first. So understanding that, is it a pet hospital? Is it an apartment? Is it a gym? Where is the foot traffic? And then you can cater to what's the best machine for that type of location.   Seth Bradley, Esq. (10:36.887) Got it, got it. Now is this a kind of a rent, you rent the space to place the machine with that particular business or wherever you're gonna place it or how does that all come together?   Mike (10:47.644) not typically, some people are kind of more advanced, like apartment complexes are used to the revenue share model. So they're going to ask for a piece of the pie for sure, for you to put the machine in their lobby. but like, you know, when we're talking urgent carers or even pet hospitals are viewing it as an amenity. And so we probably have, I don't even know how many machines now 75 now, and we, you know, less than half of those actually,   Seth Bradley, Esq. (10:50.423) Okay.   Mike (11:15.1) us rent or ask for a revenue share to have them in there. So I never leave lead with that, but we'll do it if we need to get the location.   Seth Bradley, Esq. (11:23.989) Interesting gotcha. So it's really a value add for wherever you're gonna place it and that's how most people or I guess most businesses would look at that and then you're able to capture that that space   Mike (11:27.366) Mm-hmm.   Mike (11:34.236) Yeah, absolutely. So, um, a great case study is we have a 25 employee roughing business here in Oregon. And you might think like, only 25 employees. It's not going to make that much money. Well, we do $1,200 a month. And the cool thing about this, Seth, is the CEO of this roughing company literally did napkin math on how much it costs for his employees to drive to the gas station during their 20 minute break. And then   How much they're paying for an energy drink at the gas station and then how much gas they're using with the roofing like the work trucks to get to and from the gas station So he's like I want to bring a smart machine into our warehouse Set the prices as half off so that four dollar monster only costs his rofers two dollars and then we invoice him the the business owner every month for the other 50 % and so he actually   Calculated as a cost savings not asking for money to rent the space   Seth Bradley, Esq. (12:35.597) Yeah, gotcha, gotcha. That makes sense. That makes sense. I love the baseball analogy with the single A, double A, triple A, even into the big leagues here. know, a lot of the folks that listen to this are already kind of, you know, in the big leagues or maybe think about some capital behind them. Like how would they be able to jump right in, maybe skip single or double A or would they, or do you even suggest that? Do you suggest that they start, you know, small just to learn and then maybe invest some more capital into it to expand or can they jump right to the big leagues?   Mike (12:48.891) Yeah.   Yeah.   Mike (13:03.966) I think they can jump right to the big leagues. this is, I'm glad you brought this up because just listening to some of your episodes from the past, there's no doubt that you have people that could buy a route like a off biz buy sell today. And I think this is a prime opportunity. it's very similar to flipping a house. you, you know, there's a route in Chicago, I think it was for $1.1 million, you know, whatever negotiating terms or seller financing or, or what have you, got a lot of, your, your   audience that is experts in that. But the cool thing about these routes is they have the old school machines that have the motors and that are limited to, this type of machine, you can only fit a 12 ounce cannon. Well, guess what? The minute you buy that route, you swap out that machine with one of these micro markets or smart machines. Now you just went from selling a 12 ounce soda for $1.25 to now a 16 ounce monster for $4.50.   Well, you just bought that location based on its current revenue numbers and by swapping out that machine, you're going to two or three acts your revenue just at that location. And so it's truly just like a value play, a value upgrade, like flipping the house of, okay, there's a lot of deals right now of these routes being sold by baby boomers where it's like, they got the old school Pepsi machine. Doesn't have a credit card reader on it. They can't track inventory remotely via their cell phones. So   They're not keeping it stocked. Like all those types of things can really play in your favor as a buyer that just wants to get to the big leagues right away.   Seth Bradley, Esq. (14:37.651) I love that. When you say buy a route, what are you really buying? Tell me about the contractual agreement behind that. What are you really buying there?   Mike (14:47.184) You're just buying the locations and the equipment associated with it. So like this Chicago route, it's like, we have machines in 75 properties all across the Chicago suburbs. And they could be medical clinics. could be apartments. could be employee break rooms at businesses, but that's when you start diving into those locations. It's like, I have a snack machine and a soda machine here. Well, you swap that out with a micro market that now instead of.   Seth Bradley, Esq. (14:49.279) Okay. Okay.   Mike (15:13.626) that machine that'll only hold a small bag of Doritos that you charge two bucks, well now you get the movie size theater bags that you can really put in there in a micro market. Like naturally just that valuation of that route based on those 75 machines current revenue, I mean you're gonna be able to two or three X your revenue right by just swapping out those machines.   Seth Bradley, Esq. (15:35.959) Wow, yeah, I love that analogy with real estate, right? It's just like a value add. It's like, how can I bring in more income from what already exists? Well, I need to upgrade or I need to put in some capital improvements, whatever you want to call it. Here's the vending machine upgrades or a different kind of system in there. And you get more income. And obviously that business in itself is going to be worth more in a higher multiple.   Mike (15:58.396) Absolutely. mean, a great example of this is we had a machine in an apartment complex and it was your traditional machine with the motors and you have to enter in the code. Well, we could only put in four 12 ounce drinks and then chips. Well, we swapped that out with a micro market. Well, now that micro market, we literally put in bags of Tide Pods for laundry, like these big bags of Tide Pods. We'll sell those like hotcakes for 15 bucks. And our old machine,   Seth Bradley, Esq. (16:25.281) Yeah, let's say those aren't cheap.   Mike (16:27.246) Yeah, our old machine Seth, it would take us to get to 15 bucks, we'd have to sell eight Snickers. That's one transaction.   Seth Bradley, Esq. (16:33.547) Right, right. Yeah, yeah. How do you do an analysis kind of based on like what you think is gonna sell there, right? Like you're replacing, let's say a Dorito machine with Tide Pods, you know? So you have to individually go to each location and figure out what will work, what will sell.   Mike (16:47.738) Yeah.   Mike (16:51.834) It's all about demographic. Absolutely. So, you know, we have, we have, we have a micro market and a manufacturing plant that's, it's a pumpkin farm and there's a ton of Hispanic workers. So we do a lot of like spicy foods, a lot of spicy chips. do, we do a ton of, mean, the sugar or sorry, the glass bottle cokes. They do, they love their pastries.   Seth Bradley, Esq. (16:53.431) Yeah.   Seth Bradley, Esq. (17:06.349) Yeah.   Mike (17:15.868) So we just doubled down on the demographics. So yesterday I was filming at one of our micro markets that's in a gym and they crushed the Fairlife protein shakes, like the more modern protein shakes, but they won't touch muscle milk. So we're literally taking out one row of muscle milk just to add an extra row of Fairlife shakes. So you're constantly just catering to the demographics and what's selling.   Seth Bradley, Esq. (17:40.632) Yeah, yeah, this is awesome. I mean, this is literally just like real estate, right? Like you go and you find a good market. You're talking about demographics, right? Find the market, see what they want, see how much you can upgrade, how you can upgrade. If it's an apartment, it's a unit. If it's here, it's the product that you're selling and the type of machine, or maybe it's a mini market. A lot of things to kind of tie your understanding to here.   Mike (17:45.926) Yeah.   Mike (18:05.904) Yeah, absolutely.   Seth Bradley, Esq. (18:07.615) Yeah, awesome, man. Awesome, Where are you at in your business? Like what, you know, what are the big leagues looking like right now? You know, what are you doing to expand your business, raising the bar in your business?   Mike (18:18.692) Yeah, I'm going after that's a really good question. I'm going after kind of these newer markets and we're kind of past that point of like, okay, let's pilot in this location. For example, that urgent care, we didn't know if it was going to be a good location two months ago when we installed. Well now it's already crushing it. Well, there's six other urgent cares in town and we just got to go ahead on five of those six. So like for me, it's doubling down on our current proof points of where.   okay, we know that manufacturing plant, the pumpkin farm does really well. So let's start getting intros to all their, manufacturers of the products they need to grow pumpkin. know, like we're just doubling down on scaling because now we have the operational blueprint to really just kind of to go after it.   Seth Bradley, Esq. (19:03.917) Gotcha, gotcha. Tell me about how passive this can really be, right? So I used to have, before we switched over to the new brand, Raise the Bar podcast, it was the Passive Income Attorney podcast, right? I was really focused on passive investments, focused on bringing in passive investors into my real estate deals, things like that. And I think that word passive gets thrown around quite a bit, right? And sometimes it's abused because people get into things that are not truly passive.   Mike (19:18.427) Yeah.   Mike (19:28.784) Mm-hmm.   Seth Bradley, Esq. (19:33.517) What's your take on that as it relates to the vending business?   Mike (19:38.49) Yeah, so I think as far as with the vending business, there's clearly upfront leg work that needs to be done, whether that's finding locations or any of those things. So I have a route that is here in Oregon, and then we bought a route last year in Illinois and have scaled that route. I spend 30 minutes a week on each route now. that these urgent cares and stuff, like we have an operator that's running the whole route.   Here's the problem, Seth. It's like people are so scared to build systems to ultimately systemize things or they're too cheap to hire help. And I'm the opposite. like, you know, kind of like Dan Martell's buy back your time. Like I have like a leverage calculator and like I constantly think about is this worth my time? Cause as you know, you're busier than me. Like it's so limited.   for me, my routes, I would consider them passive, like one hour a week is, is nothing in my mind. But as far as like, you know, I'm, I'm also a passive investor on, we're building a, an oil loop station in Florida and I sent my money a year ago to, to my, active investor and I haven't talked to him since. Like that's actually truly probably passive now, you know, I'm not doing anything, but there's, there's different levels to that. And I'm a huge believer like.   don't delegate something until you know what you're delegating. So people that want to start with the vending routes, sure, if you want to buy a route that already has an operator, that's one thing. but these, if you're starting a vending route for your kid or for your stay at home wife or whatever, as a side hustle, like get in the weeds and install that first machine. So when you hire help to take over the route, you know what you're delegating.   Seth Bradley, Esq. (21:09.773) Mm-hmm.   Seth Bradley, Esq. (21:27.021) Yeah, that's key. That's key. And you you described just like any other business, right? I think that's kind of where people get themselves into trouble. That sometimes they get sold the dream that is truly passive. And eventually it can be. I mean, you're talking about an hour a week. To me, that's pretty damn passive, right? But you know, upfront, you you've got to learn the business. You've got to know what you're getting yourself into. Like you said, you've got to learn before you delegate so that you know what you're delegating.   There is going to be some upfront work and then as you're able to kind of delegate and learn Then you can make it more and more passive as you go   Mike (22:00.88) Yeah, I mean, it's no different than what's the same when people tell you that they're busy. I mean, you're just not a priority. Like that's a fact. you're not. People say it's the same thing when people come to me and they're like, I'm so busy. It's like, okay, well let me, let me see your schedule. Where are you spending your time? You know, it's like when people are like, I can't lose weight. Okay, well let me see your food log. What did you eat yesterday? Did you have ice cream? Like this is like the same kind of thing. That's where passive I think has been really abused.   Seth Bradley, Esq. (22:16.097) Yeah. Yep.   Mike (22:29.638) To me, the bigger issue is like, vending is not get rich quick. And so like, if you're expecting to leave your nine to five tomorrow and vending is going to make up for that in one day, like that's not going to   Seth Bradley, Esq. (22:41.089) Right, Makes sense. Speaking of passive, do you raise capital or do you have any kind of a fund or have you put together a fund for something like this?   Mike (22:51.48) We haven't put together a fun, we're definitely buying routes is definitely becoming more and more intriguing. And I know there's some PE players starting to get into the vending game, but it's something we've been definitely considering and on our radar of do we want to.   Seth Bradley, Esq. (22:58.541) Mm-hmm.   Seth Bradley, Esq. (23:10.231) Gotcha. Cool. I mean, you brought in money partners for some of those routes yet, or is that still something you're exploring too?   Mike (23:18.168) No, I think it's just something we're thinking about. mean, what do you recommend?   Seth Bradley, Esq. (23:21.089) Yeah. Yeah. Well, I'd recommend I mean, it depends, right? Like I'm I'm scared to turn you by trade, but I don't like to say you should always raise capital no matter what. Right. Like you've been able to scale your business as you have and grown it to where it is without bringing outside capital. It sounds which is great because you own 100 percent or with whatever business partners you might have. You know, when you start raising capital, you're giving a large chunk of that piece away, not necessarily your whole company. But if you're buying   you know, a set of routes or that sort of thing. You you're gonna give a big piece away to those past investors if you're starting a fund or even if it's up. Even a single asset syndication here for one of these, you know, these routes, you could put it together that way. You know, it's just something to consider. But a lot of times when people are looking to scale fast, right, if they wanna grow exponentially, you've gotta use other people's money to get there or hit the lottery.   Mike (24:08.294) Mm.   Mike (24:15.856) Absolutely, no, agree. That's spot-on and I actually before you know the Silicon Valley company That I was part of we had a we went through probably series a B C D C ground   Let's just say we weren't very fiscally responsible. So I come from the, you know, it's like the ex-girlfriend example. I don't want to just start taking everyone's money.   Seth Bradley, Esq. (24:42.413) Yeah, yeah, that tends to happen with some startups, right? Like before you get funding, you're super frugal because it's your money and every single dollar counts. And you're like, I don't want to pay, you if it's software, you don't want to pay the software engineers. I'm going to out, you know, put it, you know, hire Indian engineers, that sort of thing. And then once you get a few million bucks that you raised in that seed round, then it just goes and you're like, whoa, wait a minute, let's hire 20 people. You know, it's you got to be careful about that.   Mike (25:05.606) Yeah   Yeah, yeah, that's a great, great take on it.   Seth Bradley, Esq. (25:11.245) Yeah, it's, yeah. It's a question I love to ask and I think it's about time for that. So, in a parallel universe, tell me about a different version of you. So a different but likely version, right? Like, for example, for me, I went to med school for a year and a half and then I dropped out and I ended up becoming an attorney. So that was like a big turning point, right? So I could have easily at some point just said screw it and became a doctor and that would have been a totally different route than I'm going down right now.   What's an example of something like that for you?   Mike (25:42.524) Wait, are you being serious about that? I took the MCAT too. I got into med school and then I, yeah, I was pretty mad in school. And then the more I learned about exercise science, I was like, organic chemistry is not fun.   Seth Bradley, Esq. (25:44.321) Yeah, totally.   yeah? There you go.   Seth Bradley, Esq. (25:57.39) It is not fun. I did not love that. I majored in exercise physiology and then I ended up switching to biology because it was just a little bit of an easier route to get my degree and go into med school and I went for a year and a half and then I dropped out because I absolutely hated it. I knew I didn't want to do it. I was just more attracted to business and that sort of thing.   Mike (26:16.346) Yeah, that's crazy. That's awesome. parallel universe. I, that's a really good question. I don't know. I, kinda, I have two kids under three and the other side of me wishes I would have traveled more.   you know, I mean, we'll get there hopefully when they get out of high school and someday. But right now I just think there's so many different cultural things and ways to skin the cat. And it's just fascinating to learn some of those things.   Mike (26:55.352) yourself in those cultures.   go to different cultures and really like understand how they did things for a time, a period of time to really just learn their thinking.   Seth Bradley, Esq. (27:07.777) Yeah, I love that man. I had a similar experience of what you're describing. I didn't travel abroad really other than like, you know, Canada and Mexico until I studied abroad in Barcelona during law school and I got to stay there for a couple of months. So you actually had some time. It wasn't like you're just visiting for a week or a weekend or anything like that. You got to kind of live there right for a couple of months and it just totally changed my, you know, my outlook on life and just the way that you see things like I feel like we're in the US and we just think   Mike (27:19.627) Seth Bradley, Esq. (27:37.76) US is number one and there's only one way to do things the way that we do things that kind of attitude. And then when you go to Western Europe and you see that culture and you drive or get on a train, it's like an hour away and you're in a totally different culture and they're doing it a certain way as well and it's working. You just see that other people are doing things differently and still being successful at it, still having a thriving culture and it's just awesome to see.   Mike (28:03.312) Yeah, absolutely.   Seth Bradley, Esq. (28:06.251) Yeah. Tell me about some major influences in your life. What turned you or got you into that, the vending business? It's not one of those typical things. mean, I know you're in the education business, so you're kind of really spreading the word about this type of business. But I would say when you started, there might not have been a mastermind or educational courses around this. mean, how did you kind of get drawn into that? Were there any particular people or influences that brought you in?   Mike (28:29.308) you   Mike (28:36.188) Yeah. So the, biggest influence for me to get into vending, uh, wasn't actually a person. It was actually, was, um, I had landed, I was coming back from the Pentagon from a trip back to the Bay for the startup we were talking about. And I was in the Denver airport and 11 PM, you know, our flight was delayed. And then they're like, Hey, you have to stay in the airport tonight. The pilot went over their hours for the day, blah, blah, blah. So I went to a vending machine and I remember buying a bottle of water.   I think it costs like at the time three bucks or something. I knew that bottle of water cost 20 cents at Costco. And I was like, there is someone that's at home with their kids right now making money off me and they're not even at this mission. Like the machine is doing the work. So I had like an aha moment of like, what are my true priorities in life? And like, why am I chasing this cutthroat startup from.   Palo Alto and trying to make it when reality was my priorities are freedom to spend more time with my family. So that's really kind of what led me into this path of starting a vending machine side hustle to keep our lifestyle as we had kids. We wanted to have a nanny and we wanted to be able to still go on dates and things like that as a couple with my wife. So that's really kind of my family and just like...   having the freedom to do things. Like that's what I'm really passionate about.   Seth Bradley, Esq. (29:59.084) Yeah. Yeah. I mean, building on that, and you may have already answered that, but what does success look like for you?   Mike (30:01.766) next   Mike (30:06.268) an empty calendar.   Seth Bradley, Esq. (30:08.621) Good luck with that. Good luck with that.   Mike (30:11.516) Oh man, I was gonna say, how do we crack that code? No, yeah. No, but I think success to me is doing things like picking up my daughter at three and even being able to say no to the things that aren't gonna get you to where you need, like the discipline piece of this too.   Seth Bradley, Esq. (30:15.708) man.   Seth Bradley, Esq. (30:33.995) Yeah, yeah, mean, you know, for me, it's kind of similar, right? It's not going to be able to empty that calendar. Not yet, at least maybe here in the future. But for now, it's pretty filled. But it is it's flexible, right? Like us as entrepreneurs, you know, we probably work more than we ever worked when we were in our W-2s. But at the same time, it's you know, we're working in our own business for ourselves, for our families. And we have the   Flexibility, a lot of people will say the freedom, right? But we have the flexibility to move things around. And if you want to pick your kids up at school at three, or you do want to take a weekend off, or something comes up in your schedule, you have the flexibility to do that. Whereas if you're kind of slaving away at the nine to five, you can't really do it.   Mike (31:04.486) Yeah. Yeah.   Mike (31:20.198) Yeah, that's spot on. mean, I just wrote that down, but flexibility is, cause you're right. When you started becoming an entrepreneur, this is what I tell people all the time when they want to get a venting around is like running your own business. You are going to work harder than you do for your boss currently at your W-2. Like you have to do payroll. You have to do, like you gotta like make sure there's money to actually do pay, you know, like all those things that you just don't even think about when you have a W-2. It's like, today's   Seth Bradley, Esq. (31:39.543) Yeah   Mike (31:48.89) You know, this Friday I get paid. Well, when you run a business, mean, that money's got to come from somewhere.   Seth Bradley, Esq. (31:51.905) Yeah   Right, yeah, 100%, man, 100%. All right, Mike, we're gonna wrap it up. Thanks so much for coming on the show. Tell the listeners where they can find out more about you.   Mike (32:05.286) Yeah, so thanks for having me. This has been great. I have free content all over the place. can find me on the classic Instagram, Twitter, YouTube, but I also have vendingpreneurs.com is where we help people that are more interested in actually the vending stuff. But I've been really trying to double down on YouTube lately because there's just a lot of content and you can't get it off a one minute reel.   Seth Bradley, Esq. (32:32.417) Love it, man. All right, Mike, appreciate it. Thanks for coming on the show.   Mike (32:35.91) Thanks for having me.   Seth Bradley, Esq. (32:37.227) Hi brother. Alright man, got a couple more questions for you. We do like a quick, kind of do the full podcast episode and then I'll just do kind of a quick episode that'll follow up on a Monday and then another one on a Friday. Cool.   Mike (32:55.814) See you.   Seth Bradley, Esq. (32:59.693) We out here.   Welcome to Million Dollar Mondays, how to make, keep, and scale a million dollars. Mike is a super successful entrepreneur in the vending machine business and beyond. Tell us, how did you make your first million dollars?   Mike (33:20.922) Yeah, Seth. It was probably actually through real estate and just getting a little bit kind of lucky with timing with COVID and short-term rentals and some of that. But yeah, that's probably how I got the first million.   Seth Bradley, Esq. (33:25.229) Mm.   Seth Bradley, Esq. (33:37.079) Gotcha, cool. Yeah, real estate usually plays a role in the everybody's strategy down the line, whether they're in that primary business or not, whether they start out there or they end up there, real estate usually plays a part. How'd you make your last million?   Mike (33:53.956) Yeah, that's a good question because it's completely different than real estate, but it's actually been vending machines. So that's been kind of fun. just, you you talk about product market fit whenever you're an entrepreneur with a business. And that was just kind of the perfect storm right now of traditional vending really kind of being outdated. And we found a product market fit with it.   Seth Bradley, Esq. (33:57.57) Right. Yeah.   Seth Bradley, Esq. (34:16.215) Gotcha. Cool. that was from, was this maybe mostly attributed to kind of buying those routes, those larger routes?   Mike (34:23.32) Exactly. Yeah. Buying old school routes and really kind of flipping them like a house with modern micro markets charging, with different products and what would fit in a vending machine, like more of the unorthodox, you know, toilet paper and tide pods and things that wouldn't fit in a traditional vending machine. I mean, we'll sell $35 bottles of shampoo in these micro markets. So just kind of, go and add it in a different way.   Seth Bradley, Esq. (34:49.857) Yeah, and then with the aging population, there's gotta be more and more of these things popping up. So there should be more opportunity for people to get involved or for people like yourself to just snag everything, right?   Mike (35:01.102) Yeah, I think there's no chance I could snag everything, not even just in this town alone that I'm currently in. I mean, machines are getting cheaper, the technology is getting way better with AI. And nowadays, it's not what fits in a vending machine motor. It's okay, what's shelf space? if it's a bottle of shampoo or a glass Coke, it doesn't matter because it's not just getting thrown down the chute of a traditional machine.   Seth Bradley, Esq. (35:05.387) Yeah.   Seth Bradley, Esq. (35:27.521) Makes sense, makes sense. Last, how are you planning on making your next million dollars?   Mike (35:34.3) I think probably with AI, we're doing a lot of interesting stuff with helping people scale their, their vending routes. that is applicable to any, small business. And so I'm really intrigued. Just every time I go down a rabbit hole with some new AI tool, I feel like there's another better one that just came right behind it. So I just think it's kind of that time where you can really get ahead by just learning.   Seth Bradley, Esq. (36:06.209) Yeah, totally makes sense. mean people that are not paying attention to AI whether it's simply using chat GPT instead of Google search are getting left behind quickly because it's just advancing so fast. I can't even imagine what this world's gonna look like five years from now the way that things are moving.   Mike (36:23.132) It's crazy. Three years ago when I was working for a tech company selling software into the government, I would have to work with three secretaries to schedule a meeting with the general to sell their software. Now my EA is literally an AI bot and everyone that's scheduling time on my calendar, they don't even know they're talking to a non-human, which is pretty   Seth Bradley, Esq. (36:43.479) Yeah, 100%. We're gonna, I predicted within five years, everybody's gonna have a humanoid robot in their home with AI instilled and they're gonna be doing physical things for us at our homes. Yeah. Yep. Yep. 100%. Awesome, All right, moving on to the next one.   Mike (36:50.181) Yeah!   Mike (36:57.917) I hope so. I hope they can go to Costco get all our groceries do our do our laundry The dishes   Seth Bradley, Esq. (37:11.501) You're clearly in the top 1 % of what you do, Mike. What is it about you that separates you from the rest of the field?   Mike (37:19.056) Ooh, that's a good question, Seth. I think it's just discipline, know, discipline and focus. One of the hardest things is being able to say no with the things that don't align. And when I was growing up, I had a quote that has really stuck with me. That's like, it's better to be respected than liked. And I think that really resonates. Like naturally as a human, you want to be liked and help people, but the 1 % are really good at saying no.   Seth Bradley, Esq. (37:47.649) Yeah, I love that man. That's a great answer. Kind of building on that, what do you think the number one attribute is that makes a successful entrepreneur?   Mike (37:57.468) probably focus. Yeah. Yeah.   Seth Bradley, Esq. (37:59.212) Yeah, focus. Yep. The one thing, right? The one thing.   Mike (38:04.186) Yep. That's why you come back to like the most successful entrepreneurs. They always niche down and they niche down because they just, got hyper-focused. Like this is kind of why for me, you know, I started this passive Mr. Passive on social media before I even got into Vendi. Well, now everyone's like, well, how passive is Vendi? And well, it's like, what's really interesting is I was posting all these different, what I thought passive income streams in the time, but everyone, 95 % of the questions I got about   Airbnbs are all my different investments was about bending. So I just niche down on, on bending and I just looked back on that and I was like, it really forced me to focus.   Seth Bradley, Esq. (38:43.263) Awesome, awesome. What's one thing someone could do today to get 1 % closer to success in the vending machine business if they are really interested in learning more?   Mike (38:53.892) tap into your connections and find a location that has high foot traffic, whether that's a friend that works at an urgent care, a sister that lives at an apartment. You know, you take your kid to that gymnastics studio that has a ton of foot traffic between 4 PM and 8 PM. Like all those locations are prime locations to put one of these modern smart machines in. so, tapping into your connections, well, you know,   Seth Bradley, Esq. (39:24.567) Love that man. Awesome. All right, Mike, I appreciate it, brother. We'll to meet in person sometime,   Mike (39:30.574) I would love to. Where are you based, Seth?   Seth Bradley, Esq. (39:31.789) I'm in San Diego, where you at?   Mike (39:34.78) I am in Eugene. Yeah, Oregon. I'll come down your way though.   Seth Bradley, Esq. (39:37.39) Cool We're planning on doing yeah, we're planning on doing so me and my wife we have a Sprinter van and Last May we did we did going back to the flexibility piece, right? We did 32 days in the van up through Wyoming Montana and then into like Into Canada and they're like Banff and Jasper and all the way up to Jasper and then we circled back on the west coast Through Vancouver and then down back to San Diego Yeah   Mike (40:05.52) What?   Seth Bradley, Esq. (40:06.829) Pretty wild, pretty awesome. And the reason I brought that up is this year we're gonna do shorter trip. We're probably gonna do two, maybe three weeks at the most, but we're gonna do kind of the Pacific Northwest. So Oregon, Washington, and Vancouver and all those parks and stuff up there.   Mike (40:17.254) Yeah.   Mike (40:21.744) Yeah, you definitely have a, have you been to Bend before? Bend is like my, that whole area, Central Oregon is, and even Idaho, like all those kind of, yeah. That's awesome. Please let me know when you're up this way. I mean, I'll come meet you wherever. That'd be amazing. Absolutely. Yeah. Awesome. Yeah.   Seth Bradley, Esq. (40:24.641) Yeah, yeah I have.   Seth Bradley, Esq. (40:38.861) Sure man grab a coffee or beer. I appreciate it. Yeah, let's do it. Yeah all right brother great to meet you and I will send the information on when this is gonna get released and give you you materials and all that stuff so we can collaborate on social media   Mike (40:51.964) Okay. Okay. Yeah. Is a lot of your audience, like passive investors?   Seth Bradley, Esq. (40:58.593) So most of that, so now I'm rebranding. I rebranded because I'm gonna be speaking more towards like active entrepreneurs, Active entrepreneurs, people raising capital, that sort of thing. Whereas before it was based on passive investors and people really focused on attorneys. So I'm an attorney and I was raising capital from attorneys for my real estate deals. Now I'm really more into selling shovels. I'm scaling my law firm. I'm chief legal officer for Tribest, which is, we've got a fund to fund.   Mike (41:20.262) Mm-hmm.   Seth Bradley, Esq. (41:28.085) legal product there as well. So we're really trying to bring in active, active entrepreneurs and people raising capital.   Mike (41:29.777) Yeah.   Mike (41:36.572) Okay, because I got that, I was just thinking through when we talking about that oil development project, that could be a good, the guy that runs that fund could be a good interview for you. Just thinking through your audience, because he's always looking for investors into his fund and like these oil lubs are just crushing it.   Seth Bradley, Esq. (41:49.901) Cool. Yeah.   Seth Bradley, Esq. (41:58.464) Yeah, cool. Who is it? Just, I don't know if I know him or not.   Mike (42:02.183) Um, Robert Durkey, he's out of Florida. has, his problem is he's sitting on a gold mine that has no, like he's old school, doesn't know social media, any of that. So that's why I think he'd be perfect for you. Cause I think you could help him and he could definitely help you with some kickback. Yeah. So cool. Yeah. Yeah. Yeah. Hopefully we meet soon. Okay. See you Seth. Bye.   Seth Bradley, Esq. (42:05.645) I don't think I know. I don't think I know.   Seth Bradley, Esq. (42:13.889) Yeah. Gotcha.   Seth Bradley, Esq. (42:20.705) Cool, okay, sounds good man. Yeah, I appreciate the introduction.   Yeah, all right brother. Talk soon. See ya. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Mike Hoffman's Links: https://www.instagram.com/mikehoffmannofficial/ https://x.com/mrpassive_?lang=en https://www.linkedin.com/in/mikedhoffmann/ https://www.tiktok.com/@mr.passive

Title: How to Make Millions with Vending Machines with Mike Hoffman Summary: In this conversation, Seth Bradley and Mike Hoffman delve into the world of vending machines as a business opportunity. Mike shares his journey from a Midwest farm boy to a successful entrepreneur in the vending industry, highlighting the evolution of vending technology and the potential for passive income. They discuss the importance of location, understanding demographics, and the scalability of vending routes. Mike emphasizes the need for upfront work and learning before delegating tasks, while also addressing the misconceptions surrounding passive income in the vending business. In this conversation, Seth Bradley and Mike discuss various aspects of entrepreneurship, particularly in the vending machine business. They explore the importance of capital raising, the journey of self-discovery, influences that shape business decisions, and the definition of success. The dialogue emphasizes the significance of flexibility, discipline, and focus in achieving entrepreneurial goals, while also touching on financial milestones and the attributes that distinguish successful entrepreneurs. Links to Watch and Subscribe:   Bullet Point Highlights: Mike's journey from a classic Midwest farm boy to a successful entrepreneur. The evolution of vending machines from traditional to smart technology. Understanding the importance of location in the vending business. The analogy of baseball levels to describe starting in vending. Scaling up from single A to big leagues in vending routes. The significance of demographics in product selection for vending machines. The potential for passive income with proper systems in place. The need for upfront work before achieving passivity in business. Vending is not a get-rich-quick scheme; it requires dedication. The future opportunities in the vending industry are expanding rapidly. Raising capital can dilute ownership but may be necessary for rapid growth. Self-discovery often leads to unexpected career paths. Influences in business can come from personal experiences rather than just mentors. Success is often defined by the ability to prioritize family and flexibility. Entrepreneurs work harder than in traditional jobs but gain flexibility. Discipline is crucial for saying no to distractions. Successful entrepreneurs often focus on niche markets. High foot traffic locations are ideal for vending machines. AI is transforming business operations and efficiency. Networking and connections can lead to valuable opportunities. Transcript: Seth Bradley, Esq. (00:04.898) Mike, what's going on buddy? Doing great brother, doing great. How about you?   Mike (00:06.748) Don't worry,   Mike (00:11.664) Good, I'm a little flustered. I usually have my mic set up over here, but I guess we just moved and it's not here today. I guess, yeah, new office and it's been a whole hot mess.   Seth Bradley, Esq. (00:19.822) New office or what?   Seth Bradley, Esq. (00:27.862) Nice man, nice. I see you got the whiteboard cranking back there. Love to see that.   Mike (00:33.114) Always. I love your background. That's sweet.   Seth Bradley, Esq. (00:38.03) Thanks man, yeah, I'm on camera all the time so I like I need to just build this out instead of using like a green screen so Made the investment made it happen   Mike (00:44.86) Totally.   Yeah, absolutely.   Seth Bradley, Esq. (00:49.442) Have we met in person or not? I don't know if we've met at a Wealth Without Wall Street event or I couldn't tell. Okay. No, I did not go to Nashville last year.   Mike (00:58.478) I don't think so. don't think you're... Were you in Nashville last year?   Mike (01:04.634) No, okay. No, I don't think we've met in person. Yeah.   Seth Bradley, Esq. (01:08.256) Okay, all good, man. All good. Well, cool. I'll just go over the format real quick. We'll do kind of a shorter recording. We're do like 30 minutes, something like in that range. And then we'll just kind of like break. And then I'll, want to record a couple of other quick segments where I call it Million Dollar Monday. I'm kind of asking you about how you made your first, last and next million. And then 1 % closer, which would just be kind of what separates you, what makes you the   top 1 % in your particular vertical. So we'll just kind of record those separately. Those will be real short, like five minutes or so.   Mike (01:44.924) Okay, yeah, I'll follow your lead. All good.   Seth Bradley, Esq. (01:47.15) Cool. Cool. Let's see. I think I already have this auto recording. So we're already recording. So I'll just jump right in.   Mike (01:55.377) Okay.   Seth Bradley, Esq. (01:57.782) Welcome to Raise the Bar Radio, hosted by yours truly Seth Bradley. We today we've got Mr. Passive, Mike Hoffman. Mike, welcome to the show.   Mike (02:08.189) Thank you for having me fired up to be here.   Seth Bradley, Esq. (02:10.855) Absolutely man, really happy to have you on. I know it's been a little bit of a trek here to get our schedules lined up, but really stoked to have you on today, man. I see you said you moved into a new office. You've got the whiteboard cranking, so love to see it.   Mike (02:25.372) yeah, whiteboards are the only place I can get my thoughts down.   Seth Bradley, Esq. (02:29.399) Yeah, man, it makes a difference when you actually write something rather than type it or even on a mirror board where you're doing it online. just there's something about physically writing something down.   Mike (02:41.328) You know, I'm glad you said that because yesterday I flipped to Seattle for a quick work trip and I didn't have wifi and I literally had three pages of just, I, was so like the clarity of some of these kinds of bigger visions I have now from just being able to write for an hour on a flight was, I was like, man, I gotta do this more often.   Seth Bradley, Esq. (03:00.363) Yeah, for sure. The key though is once you write it down, it just doesn't go into the trash or into a black hole somewhere where you never see it again. So that's kind of the disadvantage there. If you have it on your computer and you're taking notes or you have it on a mirror board, at least it's there to reference all the time. If you write it down on paper, sometimes, I've got my Raze Masters book right here for notes, but it's like, it might go into the abyss and I'll never look at it again. So you gotta be careful about that.   Mike (03:27.184) Yeah, yeah, I need to check out the Miro boards. I've heard a lot of good things about them.   Seth Bradley, Esq. (03:31.467) Yeah, yeah. Awesome, Mike. Well, listen, for our audience who doesn't know anything about you, maybe just tell them, you know, tell them a little bit about your background. Tell them about your your main business and we can take it from there.   Mike (03:43.354) Yeah. So I think for those that don't know about me, I'm a classic Midwest farm boy started with a classic, you know, showing cattle at the county fair and all of that and had a lemonade stand growing up. And then my first job was actually at McDonald's, you know, thinking about the whole success of that business model. But when I was coaching and, out of college, I got my first rental and I was like, wow, this is crazy. making money without.   really much time involved. and then with my work in Silicon Valley, know, Seth, was classic Silicon Valley, you know, cutthroat job that, startup life and traveling three weeks out of the month. And I was on, I was in airports all the time. And was like, these vending machines I would run into at airports were just so archaic. And so I went down this path of like unattended retail and kind of the future of, of that. And that's really where I just see a huge opportunity right now.   And so it's kind of what led me into all these different income streams that I'm passionate about.   Seth Bradley, Esq. (04:49.431) That's awesome, man. Well, let's dive into that a little bit deeper. me about these income streams. It centers around vending machines, right? But I'm sure there's a lot more to it. I'm sure there's a lot of different entry points for people. Maybe just kind of give us a general synopsis to start out.   Mike (05:06.78) Yeah, so I think the big thing with, you know, if we're talking vending specifically as an income stream, you know, most people think of vending as the traditional machines where you enter in a code, you put your card on the machine and then a motor spirals down a Snickers bar or a soda and you go into the chute and grab it.   Nowadays, there's these smart machines that literally you just unlock the door, or even if you go into, land in the Vegas airport right at the bottom of the escalator where it says, welcome to Las Vegas, there's a 7-Eleven with gates and AI cameras, and there's no employees in the 7-Eleven. And it just tracks whatever you grab and to exit the gate, you have to pay for it. So like, there's just this huge market now where we just installed it in urgent care.   less than two months ago and we can do over the counter meds in that machine because it doesn't have to fit into a motor. It's just shelf space. You identify with the planogram with the AI cameras like, okay, Dayquil in this slot or Salad in this slot and then whatever they grab, gets charged to the person that pulls it from it.   Seth Bradley, Esq. (06:15.469) That's interesting, man. Yeah, I mean, my initial thought too, was just like the traditional old vending machine where you're getting a candy bar or a cola out of there. But yeah, nowadays, now that you mentioned that, you see this more and more every single day where you've got these scanners, you've got kind of self-checkout, that sort of thing. So that's kind of, that expands that world and really opens it up to the future, right? Like it just really, that's what we're trying to get to, or at least we think we wanna get there, where we're kind of removing humans and...   kind of working with technologies and things like that.   Mike (06:49.488) Yeah, and I think, you know, removing the whole human thing. mean, those machines still got to get stocked and you know, there's not robots running around doing that. But I just come back to, I was a Marriott guy when I was on the road all the time and I'd go to these grab and goes at a Marriott and grab a, the end of the night, I'd grab like a little wine or an ice cream sandwich. And I literally had to go wait in line at the check-in desk behind three people checking in just to tell them, Hey, put these on.   room charge and I was like if I had a checkout kiosk in that grab-and-go I could have just removed all the friction for this customer experience.   Seth Bradley, Esq. (07:27.772) Right, 100%. Yeah, I mean, there's a place and time for it and there's more and more applications for it that just pop up every single day and you can kind of spot that in your life as you're just kind of moving through, whether you're checking into your hotel or whatever you're doing.   Mike (07:41.456) Yeah, yeah. So that's just kind of what excites me today.   Seth Bradley, Esq. (07:45.973) Yeah, yeah, so when a stranger asks you what you do just in the street, what do you tell them? Because I have a hard time answering that question sometimes too, but I'd love to hear what your answer is.   Mike (07:56.804) Yeah, I would just say it depends on the day. You know, what do you do or what's your, you know, it's like at the golf course when you get paired up with a stranger and they're like, tell me about what you do for your career. And I just say, I'm a classic entrepreneur. And then I'm like, well, what do you do? And it's like, well, tell me about the day. You know, what fire are you putting out? Like today we just got the go ahead for five more urgent cares for our local route. But then, you know, we have a community of operators across the country that we help really build.   Seth Bradley, Esq. (07:57.933) haha   Ha ha ha.   Seth Bradley, Esq. (08:09.879) Yeah. Yeah.   Mike (08:25.616) Vending empires and so we had a group call this morning. So literally, there's a lot of just, you know, it's classic entrepreneurial life. You never know what the day's script is gonna be.   Seth Bradley, Esq. (08:36.161) Yeah, for sure. And you focus a lot on not only on your own business, but also teaching others, right? Teaching others how to kind of break into this business.   Mike (08:45.402) Yeah, that's my passion, Seth. When I got into my first investment out of college was a $70,000 rental, you know, putting 20 % down or 14K and using an emergency fund. like my background in going to college was as a coach. like I knew I wanted to kind of take that mindset of like coaching people, you know, teach them how to fish. I don't want to catch all the fish myself. It's just not fulfilling that way. So that's really where my passion is.   Seth Bradley, Esq. (09:15.373) Gotcha, gotcha. tell me about like, tell me about step one. I mean, how does somebody break into this business? Obviously your own personal business is probably very advanced. There's probably a lot more sophisticated investing strategies at this point and you've got different layers to it. But somebody just kind of starting out that said, hey, this sounds pretty interesting. This vending machine business sounds like it can be passive. How do you recommend that they get started?   Mike (09:40.57) Yeah, so I'm always, I view like the whole vending scale as similar to Major League Baseball. You got your single A all the way up to the big leagues. And if you're just starting out, I always recommend like find a location where you can put a machine and just learn the process. Like to me, that's single A analogy. you know, that always starts with, people want to jump right to like, well, what type of machines do you recommend?   products, how do you price products? And the first question I'll always ask Seth is, well, what location is this machine going in? And they're like, well, I don't know yet. I was just going to buy one and put it in my garage to start. And it's like, no, you need to have the location first. So understanding that, is it a pet hospital? Is it an apartment? Is it a gym? Where is the foot traffic? And then you can cater to what's the best machine for that type of location.   Seth Bradley, Esq. (10:36.887) Got it, got it. Now is this a kind of a rent, you rent the space to place the machine with that particular business or wherever you're gonna place it or how does that all come together?   Mike (10:47.644) not typically, some people are kind of more advanced, like apartment complexes are used to the revenue share model. So they're going to ask for a piece of the pie for sure, for you to put the machine in their lobby. but like, you know, when we're talking urgent carers or even pet hospitals are viewing it as an amenity. And so we probably have, I don't even know how many machines now 75 now, and we, you know, less than half of those actually,   Seth Bradley, Esq. (10:50.423) Okay.   Mike (11:15.1) us rent or ask for a revenue share to have them in there. So I never leave lead with that, but we'll do it if we need to get the location.   Seth Bradley, Esq. (11:23.989) Interesting gotcha. So it's really a value add for wherever you're gonna place it and that's how most people or I guess most businesses would look at that and then you're able to capture that that space   Mike (11:27.366) Mm-hmm.   Mike (11:34.236) Yeah, absolutely. So, um, a great case study is we have a 25 employee roughing business here in Oregon. And you might think like, only 25 employees. It's not going to make that much money. Well, we do $1,200 a month. And the cool thing about this, Seth, is the CEO of this roughing company literally did napkin math on how much it costs for his employees to drive to the gas station during their 20 minute break. And then   How much they're paying for an energy drink at the gas station and then how much gas they're using with the roofing like the work trucks to get to and from the gas station So he's like I want to bring a smart machine into our warehouse Set the prices as half off so that four dollar monster only costs his rofers two dollars and then we invoice him the the business owner every month for the other 50 % and so he actually   Calculated as a cost savings not asking for money to rent the space   Seth Bradley, Esq. (12:35.597) Yeah, gotcha, gotcha. That makes sense. That makes sense. I love the baseball analogy with the single A, double A, triple A, even into the big leagues here. know, a lot of the folks that listen to this are already kind of, you know, in the big leagues or maybe think about some capital behind them. Like how would they be able to jump right in, maybe skip single or double A or would they, or do you even suggest that? Do you suggest that they start, you know, small just to learn and then maybe invest some more capital into it to expand or can they jump right to the big leagues?   Mike (12:48.891) Yeah.   Yeah.   Mike (13:03.966) I think they can jump right to the big leagues. this is, I'm glad you brought this up because just listening to some of your episodes from the past, there's no doubt that you have people that could buy a route like a off biz buy sell today. And I think this is a prime opportunity. it's very similar to flipping a house. you, you know, there's a route in Chicago, I think it was for $1.1 million, you know, whatever negotiating terms or seller financing or, or what have you, got a lot of, your, your   audience that is experts in that. But the cool thing about these routes is they have the old school machines that have the motors and that are limited to, this type of machine, you can only fit a 12 ounce cannon. Well, guess what? The minute you buy that route, you swap out that machine with one of these micro markets or smart machines. Now you just went from selling a 12 ounce soda for $1.25 to now a 16 ounce monster for $4.50.   Well, you just bought that location based on its current revenue numbers and by swapping out that machine, you're going to two or three acts your revenue just at that location. And so it's truly just like a value play, a value upgrade, like flipping the house of, okay, there's a lot of deals right now of these routes being sold by baby boomers where it's like, they got the old school Pepsi machine. Doesn't have a credit card reader on it. They can't track inventory remotely via their cell phones. So   They're not keeping it stocked. Like all those types of things can really play in your favor as a buyer that just wants to get to the big leagues right away.   Seth Bradley, Esq. (14:37.651) I love that. When you say buy a route, what are you really buying? Tell me about the contractual agreement behind that. What are you really buying there?   Mike (14:47.184) You're just buying the locations and the equipment associated with it. So like this Chicago route, it's like, we have machines in 75 properties all across the Chicago suburbs. And they could be medical clinics. could be apartments. could be employee break rooms at businesses, but that's when you start diving into those locations. It's like, I have a snack machine and a soda machine here. Well, you swap that out with a micro market that now instead of.   Seth Bradley, Esq. (14:49.279) Okay. Okay.   Mike (15:13.626) that machine that'll only hold a small bag of Doritos that you charge two bucks, well now you get the movie size theater bags that you can really put in there in a micro market. Like naturally just that valuation of that route based on those 75 machines current revenue, I mean you're gonna be able to two or three X your revenue right by just swapping out those machines.   Seth Bradley, Esq. (15:35.959) Wow, yeah, I love that analogy with real estate, right? It's just like a value add. It's like, how can I bring in more income from what already exists? Well, I need to upgrade or I need to put in some capital improvements, whatever you want to call it. Here's the vending machine upgrades or a different kind of system in there. And you get more income. And obviously that business in itself is going to be worth more in a higher multiple.   Mike (15:58.396) Absolutely. mean, a great example of this is we had a machine in an apartment complex and it was your traditional machine with the motors and you have to enter in the code. Well, we could only put in four 12 ounce drinks and then chips. Well, we swapped that out with a micro market. Well, now that micro market, we literally put in bags of Tide Pods for laundry, like these big bags of Tide Pods. We'll sell those like hotcakes for 15 bucks. And our old machine,   Seth Bradley, Esq. (16:25.281) Yeah, let's say those aren't cheap.   Mike (16:27.246) Yeah, our old machine Seth, it would take us to get to 15 bucks, we'd have to sell eight Snickers. That's one transaction.   Seth Bradley, Esq. (16:33.547) Right, right. Yeah, yeah. How do you do an analysis kind of based on like what you think is gonna sell there, right? Like you're replacing, let's say a Dorito machine with Tide Pods, you know? So you have to individually go to each location and figure out what will work, what will sell.   Mike (16:47.738) Yeah.   Mike (16:51.834) It's all about demographic. Absolutely. So, you know, we have, we have, we have a micro market and a manufacturing plant that's, it's a pumpkin farm and there's a ton of Hispanic workers. So we do a lot of like spicy foods, a lot of spicy chips. do, we do a ton of, mean, the sugar or sorry, the glass bottle cokes. They do, they love their pastries.   Seth Bradley, Esq. (16:53.431) Yeah.   Seth Bradley, Esq. (17:06.349) Yeah.   Mike (17:15.868) So we just doubled down on the demographics. So yesterday I was filming at one of our micro markets that's in a gym and they crushed the Fairlife protein shakes, like the more modern protein shakes, but they won't touch muscle milk. So we're literally taking out one row of muscle milk just to add an extra row of Fairlife shakes. So you're constantly just catering to the demographics and what's selling.   Seth Bradley, Esq. (17:40.632) Yeah, yeah, this is awesome. I mean, this is literally just like real estate, right? Like you go and you find a good market. You're talking about demographics, right? Find the market, see what they want, see how much you can upgrade, how you can upgrade. If it's an apartment, it's a unit. If it's here, it's the product that you're selling and the type of machine, or maybe it's a mini market. A lot of things to kind of tie your understanding to here.   Mike (17:45.926) Yeah.   Mike (18:05.904) Yeah, absolutely.   Seth Bradley, Esq. (18:07.615) Yeah, awesome, man. Awesome, Where are you at in your business? Like what, you know, what are the big leagues looking like right now? You know, what are you doing to expand your business, raising the bar in your business?   Mike (18:18.692) Yeah, I'm going after that's a really good question. I'm going after kind of these newer markets and we're kind of past that point of like, okay, let's pilot in this location. For example, that urgent care, we didn't know if it was going to be a good location two months ago when we installed. Well now it's already crushing it. Well, there's six other urgent cares in town and we just got to go ahead on five of those six. So like for me, it's doubling down on our current proof points of where.   okay, we know that manufacturing plant, the pumpkin farm does really well. So let's start getting intros to all their, manufacturers of the products they need to grow pumpkin. know, like we're just doubling down on scaling because now we have the operational blueprint to really just kind of to go after it.   Seth Bradley, Esq. (19:03.917) Gotcha, gotcha. Tell me about how passive this can really be, right? So I used to have, before we switched over to the new brand, Raise the Bar podcast, it was the Passive Income Attorney podcast, right? I was really focused on passive investments, focused on bringing in passive investors into my real estate deals, things like that. And I think that word passive gets thrown around quite a bit, right? And sometimes it's abused because people get into things that are not truly passive.   Mike (19:18.427) Yeah.   Mike (19:28.784) Mm-hmm.   Seth Bradley, Esq. (19:33.517) What's your take on that as it relates to the vending business?   Mike (19:38.49) Yeah, so I think as far as with the vending business, there's clearly upfront leg work that needs to be done, whether that's finding locations or any of those things. So I have a route that is here in Oregon, and then we bought a route last year in Illinois and have scaled that route. I spend 30 minutes a week on each route now. that these urgent cares and stuff, like we have an operator that's running the whole route.   Here's the problem, Seth. It's like people are so scared to build systems to ultimately systemize things or they're too cheap to hire help. And I'm the opposite. like, you know, kind of like Dan Martell's buy back your time. Like I have like a leverage calculator and like I constantly think about is this worth my time? Cause as you know, you're busier than me. Like it's so limited.   for me, my routes, I would consider them passive, like one hour a week is, is nothing in my mind. But as far as like, you know, I'm, I'm also a passive investor on, we're building a, an oil loop station in Florida and I sent my money a year ago to, to my, active investor and I haven't talked to him since. Like that's actually truly probably passive now, you know, I'm not doing anything, but there's, there's different levels to that. And I'm a huge believer like.   don't delegate something until you know what you're delegating. So people that want to start with the vending routes, sure, if you want to buy a route that already has an operator, that's one thing. but these, if you're starting a vending route for your kid or for your stay at home wife or whatever, as a side hustle, like get in the weeds and install that first machine. So when you hire help to take over the route, you know what you're delegating.   Seth Bradley, Esq. (21:09.773) Mm-hmm.   Seth Bradley, Esq. (21:27.021) Yeah, that's key. That's key. And you you described just like any other business, right? I think that's kind of where people get themselves into trouble. That sometimes they get sold the dream that is truly passive. And eventually it can be. I mean, you're talking about an hour a week. To me, that's pretty damn passive, right? But you know, upfront, you you've got to learn the business. You've got to know what you're getting yourself into. Like you said, you've got to learn before you delegate so that you know what you're delegating.   There is going to be some upfront work and then as you're able to kind of delegate and learn Then you can make it more and more passive as you go   Mike (22:00.88) Yeah, I mean, it's no different than what's the same when people tell you that they're busy. I mean, you're just not a priority. Like that's a fact. you're not. People say it's the same thing when people come to me and they're like, I'm so busy. It's like, okay, well let me, let me see your schedule. Where are you spending your time? You know, it's like when people are like, I can't lose weight. Okay, well let me see your food log. What did you eat yesterday? Did you have ice cream? Like this is like the same kind of thing. That's where passive I think has been really abused.   Seth Bradley, Esq. (22:16.097) Yeah. Yep.   Mike (22:29.638) To me, the bigger issue is like, vending is not get rich quick. And so like, if you're expecting to leave your nine to five tomorrow and vending is going to make up for that in one day, like that's not going to   Seth Bradley, Esq. (22:41.089) Right, Makes sense. Speaking of passive, do you raise capital or do you have any kind of a fund or have you put together a fund for something like this?   Mike (22:51.48) We haven't put together a fun, we're definitely buying routes is definitely becoming more and more intriguing. And I know there's some PE players starting to get into the vending game, but it's something we've been definitely considering and on our radar of do we want to.   Seth Bradley, Esq. (22:58.541) Mm-hmm.   Seth Bradley, Esq. (23:10.231) Gotcha. Cool. I mean, you brought in money partners for some of those routes yet, or is that still something you're exploring too?   Mike (23:18.168) No, I think it's just something we're thinking about. mean, what do you recommend?   Seth Bradley, Esq. (23:21.089) Yeah. Yeah. Well, I'd recommend I mean, it depends, right? Like I'm I'm scared to turn you by trade, but I don't like to say you should always raise capital no matter what. Right. Like you've been able to scale your business as you have and grown it to where it is without bringing outside capital. It sounds which is great because you own 100 percent or with whatever business partners you might have. You know, when you start raising capital, you're giving a large chunk of that piece away, not necessarily your whole company. But if you're buying   you know, a set of routes or that sort of thing. You you're gonna give a big piece away to those past investors if you're starting a fund or even if it's up. Even a single asset syndication here for one of these, you know, these routes, you could put it together that way. You know, it's just something to consider. But a lot of times when people are looking to scale fast, right, if they wanna grow exponentially, you've gotta use other people's money to get there or hit the lottery.   Mike (24:08.294) Mm.   Mike (24:15.856) Absolutely, no, agree. That's spot-on and I actually before you know the Silicon Valley company That I was part of we had a we went through probably series a B C D C ground   Let's just say we weren't very fiscally responsible. So I come from the, you know, it's like the ex-girlfriend example. I don't want to just start taking everyone's money.   Seth Bradley, Esq. (24:42.413) Yeah, yeah, that tends to happen with some startups, right? Like before you get funding, you're super frugal because it's your money and every single dollar counts. And you're like, I don't want to pay, you if it's software, you don't want to pay the software engineers. I'm going to out, you know, put it, you know, hire Indian engineers, that sort of thing. And then once you get a few million bucks that you raised in that seed round, then it just goes and you're like, whoa, wait a minute, let's hire 20 people. You know, it's you got to be careful about that.   Mike (25:05.606) Yeah   Yeah, yeah, that's a great, great take on it.   Seth Bradley, Esq. (25:11.245) Yeah, it's, yeah. It's a question I love to ask and I think it's about time for that. So, in a parallel universe, tell me about a different version of you. So a different but likely version, right? Like, for example, for me, I went to med school for a year and a half and then I dropped out and I ended up becoming an attorney. So that was like a big turning point, right? So I could have easily at some point just said screw it and became a doctor and that would have been a totally different route than I'm going down right now.   What's an example of something like that for you?   Mike (25:42.524) Wait, are you being serious about that? I took the MCAT too. I got into med school and then I, yeah, I was pretty mad in school. And then the more I learned about exercise science, I was like, organic chemistry is not fun.   Seth Bradley, Esq. (25:44.321) Yeah, totally.   yeah? There you go.   Seth Bradley, Esq. (25:57.39) It is not fun. I did not love that. I majored in exercise physiology and then I ended up switching to biology because it was just a little bit of an easier route to get my degree and go into med school and I went for a year and a half and then I dropped out because I absolutely hated it. I knew I didn't want to do it. I was just more attracted to business and that sort of thing.   Mike (26:16.346) Yeah, that's crazy. That's awesome. parallel universe. I, that's a really good question. I don't know. I, kinda, I have two kids under three and the other side of me wishes I would have traveled more.   you know, I mean, we'll get there hopefully when they get out of high school and someday. But right now I just think there's so many different cultural things and ways to skin the cat. And it's just fascinating to learn some of those things.   Mike (26:55.352) yourself in those cultures.   go to different cultures and really like understand how they did things for a time, a period of time to really just learn their thinking.   Seth Bradley, Esq. (27:07.777) Yeah, I love that man. I had a similar experience of what you're describing. I didn't travel abroad really other than like, you know, Canada and Mexico until I studied abroad in Barcelona during law school and I got to stay there for a couple of months. So you actually had some time. It wasn't like you're just visiting for a week or a weekend or anything like that. You got to kind of live there right for a couple of months and it just totally changed my, you know, my outlook on life and just the way that you see things like I feel like we're in the US and we just think   Mike (27:19.627) Seth Bradley, Esq. (27:37.76) US is number one and there's only one way to do things the way that we do things that kind of attitude. And then when you go to Western Europe and you see that culture and you drive or get on a train, it's like an hour away and you're in a totally different culture and they're doing it a certain way as well and it's working. You just see that other people are doing things differently and still being successful at it, still having a thriving culture and it's just awesome to see.   Mike (28:03.312) Yeah, absolutely.   Seth Bradley, Esq. (28:06.251) Yeah. Tell me about some major influences in your life. What turned you or got you into that, the vending business? It's not one of those typical things. mean, I know you're in the education business, so you're kind of really spreading the word about this type of business. But I would say when you started, there might not have been a mastermind or educational courses around this. mean, how did you kind of get drawn into that? Were there any particular people or influences that brought you in?   Mike (28:29.308) you   Mike (28:36.188) Yeah. So the, biggest influence for me to get into vending, uh, wasn't actually a person. It was actually, was, um, I had landed, I was coming back from the Pentagon from a trip back to the Bay for the startup we were talking about. And I was in the Denver airport and 11 PM, you know, our flight was delayed. And then they're like, Hey, you have to stay in the airport tonight. The pilot went over their hours for the day, blah, blah, blah. So I went to a vending machine and I remember buying a bottle of water.   I think it costs like at the time three bucks or something. I knew that bottle of water cost 20 cents at Costco. And I was like, there is someone that's at home with their kids right now making money off me and they're not even at this mission. Like the machine is doing the work. So I had like an aha moment of like, what are my true priorities in life? And like, why am I chasing this cutthroat startup from.   Palo Alto and trying to make it when reality was my priorities are freedom to spend more time with my family. So that's really kind of what led me into this path of starting a vending machine side hustle to keep our lifestyle as we had kids. We wanted to have a nanny and we wanted to be able to still go on dates and things like that as a couple with my wife. So that's really kind of my family and just like...   having the freedom to do things. Like that's what I'm really passionate about.   Seth Bradley, Esq. (29:59.084) Yeah. Yeah. I mean, building on that, and you may have already answered that, but what does success look like for you?   Mike (30:01.766) next   Mike (30:06.268) an empty calendar.   Seth Bradley, Esq. (30:08.621) Good luck with that. Good luck with that.   Mike (30:11.516) Oh man, I was gonna say, how do we crack that code? No, yeah. No, but I think success to me is doing things like picking up my daughter at three and even being able to say no to the things that aren't gonna get you to where you need, like the discipline piece of this too.   Seth Bradley, Esq. (30:15.708) man.   Seth Bradley, Esq. (30:33.995) Yeah, yeah, mean, you know, for me, it's kind of similar, right? It's not going to be able to empty that calendar. Not yet, at least maybe here in the future. But for now, it's pretty filled. But it is it's flexible, right? Like us as entrepreneurs, you know, we probably work more than we ever worked when we were in our W-2s. But at the same time, it's you know, we're working in our own business for ourselves, for our families. And we have the   Flexibility, a lot of people will say the freedom, right? But we have the flexibility to move things around. And if you want to pick your kids up at school at three, or you do want to take a weekend off, or something comes up in your schedule, you have the flexibility to do that. Whereas if you're kind of slaving away at the nine to five, you can't really do it.   Mike (31:04.486) Yeah. Yeah.   Mike (31:20.198) Yeah, that's spot on. mean, I just wrote that down, but flexibility is, cause you're right. When you started becoming an entrepreneur, this is what I tell people all the time when they want to get a venting around is like running your own business. You are going to work harder than you do for your boss currently at your W-2. Like you have to do payroll. You have to do, like you gotta like make sure there's money to actually do pay, you know, like all those things that you just don't even think about when you have a W-2. It's like, today's   Seth Bradley, Esq. (31:39.543) Yeah   Mike (31:48.89) You know, this Friday I get paid. Well, when you run a business, mean, that money's got to come from somewhere.   Seth Bradley, Esq. (31:51.905) Yeah   Right, yeah, 100%, man, 100%. All right, Mike, we're gonna wrap it up. Thanks so much for coming on the show. Tell the listeners where they can find out more about you.   Mike (32:05.286) Yeah, so thanks for having me. This has been great. I have free content all over the place. can find me on the classic Instagram, Twitter, YouTube, but I also have vendingpreneurs.com is where we help people that are more interested in actually the vending stuff. But I've been really trying to double down on YouTube lately because there's just a lot of content and you can't get it off a one minute reel.   Seth Bradley, Esq. (32:32.417) Love it, man. All right, Mike, appreciate it. Thanks for coming on the show.   Mike (32:35.91) Thanks for having me.   Seth Bradley, Esq. (32:37.227) Hi brother. Alright man, got a couple more questions for you. We do like a quick, kind of do the full podcast episode and then I'll just do kind of a quick episode that'll follow up on a Monday and then another one on a Friday. Cool.   Mike (32:55.814) See you.   Seth Bradley, Esq. (32:59.693) We out here.   Welcome to Million Dollar Mondays, how to make, keep, and scale a million dollars. Mike is a super successful entrepreneur in the vending machine business and beyond. Tell us, how did you make your first million dollars?   Mike (33:20.922) Yeah, Seth. It was probably actually through real estate and just getting a little bit kind of lucky with timing with COVID and short-term rentals and some of that. But yeah, that's probably how I got the first million.   Seth Bradley, Esq. (33:25.229) Mm.   Seth Bradley, Esq. (33:37.079) Gotcha, cool. Yeah, real estate usually plays a role in the everybody's strategy down the line, whether they're in that primary business or not, whether they start out there or they end up there, real estate usually plays a part. How'd you make your last million?   Mike (33:53.956) Yeah, that's a good question because it's completely different than real estate, but it's actually been vending machines. So that's been kind of fun. just, you you talk about product market fit whenever you're an entrepreneur with a business. And that was just kind of the perfect storm right now of traditional vending really kind of being outdated. And we found a product market fit with it.   Seth Bradley, Esq. (33:57.57) Right. Yeah.   Seth Bradley, Esq. (34:16.215) Gotcha. Cool. that was from, was this maybe mostly attributed to kind of buying those routes, those larger routes?   Mike (34:23.32) Exactly. Yeah. Buying old school routes and really kind of flipping them like a house with modern micro markets charging, with different products and what would fit in a vending machine, like more of the unorthodox, you know, toilet paper and tide pods and things that wouldn't fit in a traditional vending machine. I mean, we'll sell $35 bottles of shampoo in these micro markets. So just kind of, go and add it in a different way.   Seth Bradley, Esq. (34:49.857) Yeah, and then with the aging population, there's gotta be more and more of these things popping up. So there should be more opportunity for people to get involved or for people like yourself to just snag everything, right?   Mike (35:01.102) Yeah, I think there's no chance I could snag everything, not even just in this town alone that I'm currently in. I mean, machines are getting cheaper, the technology is getting way better with AI. And nowadays, it's not what fits in a vending machine motor. It's okay, what's shelf space? if it's a bottle of shampoo or a glass Coke, it doesn't matter because it's not just getting thrown down the chute of a traditional machine.   Seth Bradley, Esq. (35:05.387) Yeah.   Seth Bradley, Esq. (35:27.521) Makes sense, makes sense. Last, how are you planning on making your next million dollars?   Mike (35:34.3) I think probably with AI, we're doing a lot of interesting stuff with helping people scale their, their vending routes. that is applicable to any, small business. And so I'm really intrigued. Just every time I go down a rabbit hole with some new AI tool, I feel like there's another better one that just came right behind it. So I just think it's kind of that time where you can really get ahead by just learning.   Seth Bradley, Esq. (36:06.209) Yeah, totally makes sense. mean people that are not paying attention to AI whether it's simply using chat GPT instead of Google search are getting left behind quickly because it's just advancing so fast. I can't even imagine what this world's gonna look like five years from now the way that things are moving.   Mike (36:23.132) It's crazy. Three years ago when I was working for a tech company selling software into the government, I would have to work with three secretaries to schedule a meeting with the general to sell their software. Now my EA is literally an AI bot and everyone that's scheduling time on my calendar, they don't even know they're talking to a non-human, which is pretty   Seth Bradley, Esq. (36:43.479) Yeah, 100%. We're gonna, I predicted within five years, everybody's gonna have a humanoid robot in their home with AI instilled and they're gonna be doing physical things for us at our homes. Yeah. Yep. Yep. 100%. Awesome, All right, moving on to the next one.   Mike (36:50.181) Yeah!   Mike (36:57.917) I hope so. I hope they can go to Costco get all our groceries do our do our laundry The dishes   Seth Bradley, Esq. (37:11.501) You're clearly in the top 1 % of what you do, Mike. What is it about you that separates you from the rest of the field?   Mike (37:19.056) Ooh, that's a good question, Seth. I think it's just discipline, know, discipline and focus. One of the hardest things is being able to say no with the things that don't align. And when I was growing up, I had a quote that has really stuck with me. That's like, it's better to be respected than liked. And I think that really resonates. Like naturally as a human, you want to be liked and help people, but the 1 % are really good at saying no.   Seth Bradley, Esq. (37:47.649) Yeah, I love that man. That's a great answer. Kind of building on that, what do you think the number one attribute is that makes a successful entrepreneur?   Mike (37:57.468) probably focus. Yeah. Yeah.   Seth Bradley, Esq. (37:59.212) Yeah, focus. Yep. The one thing, right? The one thing.   Mike (38:04.186) Yep. That's why you come back to like the most successful entrepreneurs. They always niche down and they niche down because they just, got hyper-focused. Like this is kind of why for me, you know, I started this passive Mr. Passive on social media before I even got into Vendi. Well, now everyone's like, well, how passive is Vendi? And well, it's like, what's really interesting is I was posting all these different, what I thought passive income streams in the time, but everyone, 95 % of the questions I got about   Airbnbs are all my different investments was about bending. So I just niche down on, on bending and I just looked back on that and I was like, it really forced me to focus.   Seth Bradley, Esq. (38:43.263) Awesome, awesome. What's one thing someone could do today to get 1 % closer to success in the vending machine business if they are really interested in learning more?   Mike (38:53.892) tap into your connections and find a location that has high foot traffic, whether that's a friend that works at an urgent care, a sister that lives at an apartment. You know, you take your kid to that gymnastics studio that has a ton of foot traffic between 4 PM and 8 PM. Like all those locations are prime locations to put one of these modern smart machines in. so, tapping into your connections, well, you know,   Seth Bradley, Esq. (39:24.567) Love that man. Awesome. All right, Mike, I appreciate it, brother. We'll to meet in person sometime,   Mike (39:30.574) I would love to. Where are you based, Seth?   Seth Bradley, Esq. (39:31.789) I'm in San Diego, where you at?   Mike (39:34.78) I am in Eugene. Yeah, Oregon. I'll come down your way though.   Seth Bradley, Esq. (39:37.39) Cool We're planning on doing yeah, we're planning on doing so me and my wife we have a Sprinter van and Last May we did we did going back to the flexibility piece, right? We did 32 days in the van up through Wyoming Montana and then into like Into Canada and they're like Banff and Jasper and all the way up to Jasper and then we circled back on the west coast Through Vancouver and then down back to San Diego Yeah   Mike (40:05.52) What?   Seth Bradley, Esq. (40:06.829) Pretty wild, pretty awesome. And the reason I brought that up is this year we're gonna do shorter trip. We're probably gonna do two, maybe three weeks at the most, but we're gonna do kind of the Pacific Northwest. So Oregon, Washington, and Vancouver and all those parks and stuff up there.   Mike (40:17.254) Yeah.   Mike (40:21.744) Yeah, you definitely have a, have you been to Bend before? Bend is like my, that whole area, Central Oregon is, and even Idaho, like all those kind of, yeah. That's awesome. Please let me know when you're up this way. I mean, I'll come meet you wherever. That'd be amazing. Absolutely. Yeah. Awesome. Yeah.   Seth Bradley, Esq. (40:24.641) Yeah, yeah I have.   Seth Bradley, Esq. (40:38.861) Sure man grab a coffee or beer. I appreciate it. Yeah, let's do it. Yeah all right brother great to meet you and I will send the information on when this is gonna get released and give you you materials and all that stuff so we can collaborate on social media   Mike (40:51.964) Okay. Okay. Yeah. Is a lot of your audience, like passive investors?   Seth Bradley, Esq. (40:58.593) So most of that, so now I'm rebranding. I rebranded because I'm gonna be speaking more towards like active entrepreneurs, Active entrepreneurs, people raising capital, that sort of thing. Whereas before it was based on passive investors and people really focused on attorneys. So I'm an attorney and I was raising capital from attorneys for my real estate deals. Now I'm really more into selling shovels. I'm scaling my law firm. I'm chief legal officer for Tribest, which is, we've got a fund to fund.   Mike (41:20.262) Mm-hmm.   Seth Bradley, Esq. (41:28.085) legal product there as well. So we're really trying to bring in active, active entrepreneurs and people raising capital.   Mike (41:29.777) Yeah.   Mike (41:36.572) Okay, because I got that, I was just thinking through when we talking about that oil development project, that could be a good, the guy that runs that fund could be a good interview for you. Just thinking through your audience, because he's always looking for investors into his fund and like these oil lubs are just crushing it.   Seth Bradley, Esq. (41:49.901) Cool. Yeah.   Seth Bradley, Esq. (41:58.464) Yeah, cool. Who is it? Just, I don't know if I know him or not.   Mike (42:02.183) Um, Robert Durkey, he's out of Florida. has, his problem is he's sitting on a gold mine that has no, like he's old school, doesn't know social media, any of that. So that's why I think he'd be perfect for you. Cause I think you could help him and he could definitely help you with some kickback. Yeah. So cool. Yeah. Yeah. Yeah. Hopefully we meet soon. Okay. See you Seth. Bye.   Seth Bradley, Esq. (42:05.645) I don't think I know. I don't think I know.   Seth Bradley, Esq. (42:13.889) Yeah. Gotcha.   Seth Bradley, Esq. (42:20.705) Cool, okay, sounds good man. Yeah, I appreciate the introduction.   Yeah, all right brother. Talk soon. See ya. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Mike Hoffman's Links: https://www.instagram.com/mikehoffmannofficial/ https://x.com/mrpassive_?lang=en https://www.linkedin.com/in/mikedhoffmann/ https://www.tiktok.com/@mr.passive

In this episode of the Progressive Dairy Podcast, learn about the dairy provisions included in the One Big Beautiful Bill. American Farm Bureau Federation (AFBF) Economist joins host Kimmi Devaney to discuss the farm bill programs included in the bill, the increased estate tax exemption and what's on the horizon for a skinny farm bill later this year. Sign up for the AFBF Market Intel newsletter here.  Here's an episode overview: [~1:10] General overview of the One Big Beautiful Bill [~3:55] Dairy provisions: Dairy Margin Coverage [~6:20] Dairy provisions: funding for the USDA to conduct mandatory dairy processing cost surveys every two years to provide better data for future make allowance decisions[~9:15] Dairy provisions: Funding for conservation programs[~10:45] Dairy provisions: Funding for animal health programs to prevent, control and eradicate animal diseases[~11:50] Dairy provisions: Disaster assistance[~13:30] Dairy provisions: New trade promotion funding [~15:20] Dairy provisions: Makes the Section 199A tax deduction permanent 1099A[~16:05] Increased estate tax exemption that is now permanent[~16:20] Tax policy changes that dairy producers should know about[~18:30] What is the economic impact of this bill for dairy producers? (Immediate and long-term impact)[~21:00] Other information dairy producers should know about this bill[~26:00] What to expect with continued farm bill discussions this fall[~28:30] Other dairy-related legislation [~30:25] Tips for dairy producers interested in getting involved in policy[~32:20] Farm Bureau resources[~37:00] Rapid-fire questions

Quaranteam-Northwest: Part 6 Lab Results and Quarantines Based on a post by Break The Bar. Listen to the ► Podcast at Explicit Novels.   The Docs signed off, leaving me alone in the little meeting room again. Not knowing when I would be able to leave, I decided to try and fall back on one of my old military instincts; sleep when you can. So I got comfortable in the chair, closed my eyes, and let myself drift into a fitful, not-quite-soothing sleep. "Harri," someone said, and I woke with a start as my shoulder was touched. "Urm," I grunted, and sniffed in a breath as I blinked rapidly and looked around. I was still in the room, and Miriam was smiling at me. She was dressed in fatigues here in the military office complex instead of her service dress blues and her hair was up in a standard military bun hidden beneath the standard issue cap. "Just like a grunt to take any reason for a nap," she grinned at me. "Come on. We can talk in my office." I stood, yawned and stretched, feeling something pop in my back and my shoulder from the uncomfortable position I'd been in. "Lead the way, Lieutenant Colonel," I said. She rolled her eyes at me a little but didn't say anything, just opening the door and walking through. I followed her back into that hallway where Brent had clocked me. He wasn't in the waiting room at the end of the hall. "Is Brent,” I started to ask. "He's waiting on another floor," Miriam said. "Refuses to leave until he sees his daughter is alright. It's making operations slow down over at the construction site, but I can't blame him." "Neither can I," I said, touching the tenderness of my black eye. Miriam led me through several very plain corridors lined with doors. None of them had windows to see in, and most had nameplate mounts but lacked names, and instead were labelled with numbers. It struck me as secretive, and that meant I was probably in the Air Force part of the building and not the Vaccine Test Center part. If they were trying to make people feel at ease joining an experimental program, these plain walls and doors forming a maze were not the way to do it. Confounding an enemy trying to sneak through this part of the building, though? It was perfect. I followed Miriam until she stopped at a seemingly random door and opened it, leading me into a large office. It had a large bank of windows, but extra-heavy curtains had been hung over them and were drawn shut to the point I wondered if they were nailed in place. One wall was entirely covered in a whiteboard with all sorts of coded writing on it. There were two desks in the room; the main desk was scattered with papers and a computer terminal, with a plush office chair tucked in behind it. The second desk had more stuff on it, but in neater piles, and Captain Bloomberg was sitting behind it at work. She glanced up at us as we entered and gave me a slightly judgmental look, before going back to the printout she was reading. The rest of the office space was dominated by file shelving units, a gun safe, and a leather couch that looked uncomfortable but was probably soft as hell. "Captain, could you give us five?" Miriam asked. "Of course, Ma'am," she nodded, set down the papers face-down and stepped around her desk to the door. She shot Miriam a quick look, and Miriam gave her one back, and the Captain left. If I had to guess it was to do with the fact that the office was probably full of classified material and information and the Captain was silently reminding her superior officer not to let me poke around or leave me alone in there. "Sit, please," Miriam sighed once the door was closed and we were alone, gesturing at the couch. I did, instantly sinking into it, and she sat on the other end and turned to me. "So, now that we know it's not life-threatening, you feel ready to get teased yet?" I snorted a little and scratched at my beard. "It's still a little raw," I admitted. "Just like how you fucked her?" Miriam asked with a grin. "Sorry, that's the only one." I shook my head and chuckled. There were few kinds of people who could be as morbidly crude and insulting, and mean it in the best way, as a military friend. "Seriously, Harri," she said. "I got a briefing on it. She's fine, you're fine. No one is in trouble." "Tell that to her father," I said. "And I can't blame him for probably wanting to kill me." "Yeah, well, tough shit for him," Miriam said. "We've expanded his Need to Know status and gave him some more info on the vaccine to calm him down. He's not happy, but he's not worried anymore. Seriously though, did you have to go and fuck my lead civilian contractor's daughter?" "We were friendly with her," I said, and let out a long breath. "Erica said she thought Vanessa might be a little interested. I don't think either of us expected her to show up on our proverbial doorstep and ask for a foursome." "I always did think Erica was a smart woman after we met," Miriam said. "Though I figured you'd lost a few brain cells since you weren't dating her at the time." "There's a whole story behind that," I said, waving her off. "I'm sure there is," Miriam smiled. "Doesn't mean it's a good excuse though." "Well, Vanessa seems to think you have a crush on me after she met you for all of two minutes," I shot back at her. Miriam flushed for a moment but didn't look away from me, still in command in her own office. "Vanessa might have been doing a bit of projecting," she said. "I'm not into hillbillies with bushy beards and big guts." "Ouch," I laughed, holding my stomach. Sure, I wasn't in the peak physical form I'd been in coming out of the military, but I hadn't gone that soft. Miriam and I continued to chat and laugh for a few more minutes until the Captain came back and then Miriam let me borrow some sound-cancelling headphones and hang out on their couch while they were working. They had food ordered in and Miriam and I ate dinner together while Captain Bloomberg ate as she kept working at her desk. It wasn't until I noticed that the faint bit of light leaking around the edges of the curtains was dimming that it had been a long day and I hadn't been able to contact Erica and Ivy. I asked Miriam if I could have my phone back just to update them, and she and the Captain had to discuss it for a long moment before they decided they could probably do the texting for me, but for security protocols I couldn't be given control of the phone. When my phone powered on it took a long moment for it to connect to service, and then it started buzzing like crazy and a bunch of messages came in. Miriam was holding it, and her eyes went a little wide as the message notification scrolled by. "Um," she said. "Well, it looks like you and your partners are... happy together." "Oh no," I groaned. "What did they send?" "Well, you have a whole bunch of messages from Brent Peters chewing you out, so there's that," Miriam said. "But, uh, well, there are photos from your partners." "Sorry," I shrugged, once again finding my face heating up at the exposure of my sex life. "It's fine," Miriam said. "It was my idea to do the texting anyways." She tapped around on the phone for a moment. "Alright, I'll just say 'Harri isn't allowed to use his phone right now. This is Miriam Abarbanel. He is fine, no trouble. Vanessa is also fine and healthy. They will return tomorrow.'" "That's fine," I said with a nod. I would have liked to tell them more, and that I loved them. And that they shouldn't have been trying to send me whatever scandalous photos they had considering I was in military custody at the moment. Miriam hit send and a minute later another text came through and she opened it, immediately rolling her eyes and setting my phone down. "What?" I asked. "Erica sent another photo, and I think it was for me," she said. "What? Really?" I asked. Miriam opened the photo again and turned my phone around to show me. Erica and Ivy were both sunbathing in the chairs, topless. The third Adirondack had a name tag written on a piece of paper and taped to the back of the chair that red 'Vanessa.' Beside it, they had put out another lawn chair and had quickly put another nametag on it that said 'Miriam.' I couldn't help the little snort of laughter that came out of me, and I covered my mouth to try and stop from giggling a bit. "I'm sorry," I said. Miriam laughed once and set my phone down. "You know, Erica is the right kind of trouble for you I think," she said. "You haven't spent enough time with Ivy," I countered. "That girl is mischievous. I bet the Vanessa one was Erica's idea to try and cheer her up, and the other one was Ivy." "If you've got any pictures from that Danielle woman, I wouldn't mind checking those out," Captain Bloomberg said from over at her desk. "Laura," Miriam said, a little shocked. "What? I told you when we first saw her, that woman could turn a bigoted granny gay," Laura said. "That's fair," Miriam said thoughtfully. "Hey, no arguments from me," I said. Miriam and the Captain ended up finishing their work days, though Miriam told me that she was on call 24/7 anyways and they stayed in apartments lower in the building. She offered to try and find me a free one to rest overnight, but I asked her if I could see Vanessa and stay in whatever medical room she was in. I didn't want her to wake up from the process and be alone. This started a silent conversation of sharp looks between Miriam and Laura, until Laura sighed. "She's not alone. Her father hasn't left her side since we let him see her. This is... let's call it a legal grey area at the moment. Technically you're not even extended family, so he would get precedent on deciding who can be there," she said. "But under the circumstances of the Vaccine imprinting, there's been some debate going around the legal circles of what constitutes a civil union. The matter's still up in the air, but there's a case to be made that you and she are now more intimately connected than she and her father. So I guess the question is do you want to push the issue?" "Oh, fuck," I groaned, and had to massage the bridge of my nose. "On the one hand, yes I want to see her. On the other, Brent deserves to be pissed at me and worried about her. Can I just talk to him?" "Honestly, Harri," Miriam said. "I think you should probably leave that whole conversation to Vanessa and how she wants to have it. Doesn't matter how much you defend yourself, you're still the guy that fucked that man's daughter in a pretty... degenerate seems too strong, but pervy is too weak. Anyways, you fucking her like that brought her here, and he's now aware that she's going to be intimately connected to you for a while." I puffed out my cheeks and let the air blow out slowly, unsure of what to do. "I can try talking to him," Laura offered. "But honestly, I don't know if it would do any good." "It's fine," I finally conceded. "He can be there, just find me another room where I can crash, and let me know when she's awake?" "I'll leave a standing order with the nurses," Miriam nodded. So, as Miriam and Laura finished up for the day, they sent for the night sentry who patrolled the floor and let him know I would be in the staff break room and was allowed to eat out of the cupboards and use the washrooms. Once the airman was gone Laura excused herself and left me with Miriam. "It was nice having you around, Harri," she grinned, dropping her command facade again. She put her hand on my upper arm and grinned, giving me a wink. "And I was joking when I called you fat." "Yeah, well, you really hurt my feelings," I fake-cried, making her laugh. "I'll see you tomorrow before you leave, alright? And I still expect that beer next time I'm up at the site," she said and gave me a peck on the cheek. "You got it," I said, and pecked her back. "And thank you for all of this today, by the way." "Happy to help," she said, and then escorted me to the room where I would spend the next seven hours. The sentry woke me up around four in the morning. I had Cheeto dust on my shirt and fingers, the bag I'd found in the staff room cupboard almost empty and crumpled up on my chest. "Sir, I've been asked to bring you down to the medical wing," he said. "Fuck," I said, blinking awake and standing up. "Uh, give me a second." I went into the men's washroom and quickly washed my hands and my face, and tried to get myself straightened out. Looking in the mirror, I could tell that I'd been running on empty for a bit, but I didn't look as bad as I might have if I hadn't been getting in some light napping at least. The airman brought me to the elevator and punched a button for about a dozen floors down, and when we stepped off of it, it was clear that we were in a more public-facing area, though the number of armed airmen on guard was actually higher. The floor was still quiet, this early in the morning, and generally featured a lot more stuff. There were glass panes and windows everywhere and the place looked like what I would picture a medical bay would in a not-too-distant future medical show. There were a few nurses around, but most of the rooms and beds were empty. We passed by one room that was sealed up with a little yellow light near the handle flashing 'Quarantine Active.' That got me gulping and moving. We turned a corner and I saw her. Vanessa was sitting up in a hospital bed, an IV drip hooked in to one arm. She was in a hospital gown and didn't have any of her usual makeup on, so she looked... sick wasn't the right word. She looked different enough that I noticed it, but it was like seeing Erica without her makeup that first time. It was different but I liked seeing the natural her. "Vanessa, I'm,” I started, but then she threw a magazine at my head. "Harri, I swear to God if you try and apologize to me, I'll throw another one," Vanessa said. She had a stack of a few of them on a little rolling bedside stand, where she also had a tray from a shitty cafeteria meal. "You look good, Vee," I said, changing my mind. She blushed and smiled. "No, I don't. Liar." "Okay, you look as good as someone in a hospital bed can," I said. "Come sit, Harri," she said, shifting herself in the bed and patting beside her. I did, and she took my hand in one of hers and lifted the other to brush a finger against my bruised eye. "The night nurse told me what happened when I woke up." I opened my mouth to apologize again but remembered what she'd said and clicked it shut. She smirked and squeezed my fingers. "Good, you're learning." "So you're not pissed off?" I asked. Vanessa leaned her head back on the pillows propping her up, taking a deep breath. "Maybe at the world, a little. But at you? Or Erica and Ivy? No. I went in there knowing what I was asking for, and you told me the risk. I decided getting off with you three was worth it." She broke into a small smile. "And from what I remember, it was pretty fantastic." "It was," I chuckled. "I mean, wild and filthy, but fantastic." She was looking at me, searching my face for something. I couldn't tell if she found it or not. "I spoke to my Dad. He told me he decked you pretty good but I wasn't expecting a full-on shiner." "He definitely got me," I said, touching my eye. "Wasn't as bad as I felt I deserved." "Yeah, well I told him if he does it again I'll deck him," she said. "And that if he tries to take any revenge on you, he's just punishing me." "Does that mean what I think it means?" I asked. She brought my hand up to her chest and put it over her heart. "Harri, I'm stuck with you no matter what at this point, but if you guys will have me I'd like to move into your crammed RV life. I thought you and Erica were cool since we met, and we know we're sexually compatible. The way I see it, I can either fight this thing just for the sake of fighting, or I can get on board the Harrison train and enjoy the ride." "Vanessa, I; God, I wish I had my phone right now," I said. "There's a picture the girls sent that you'll want to see." Vanessa rolled her eyes and her smile grew. "Oh, I got several pictures," Vanessa said. "I've already seen them. Why don't you have your phone?" "I was up on a secure floor," I said. "Lieutenant Colonel Abarbanel was actually the one to see them when she helped me message back that we were Okay." "Then you have some surprises waiting for you I think," Vanessa grinned. "But for now, you're all mine." She pulled me towards her and guided me into a kiss. Then she whispered into my lips as our noses rubbed against each other. "Pull the privacy screen around us." "Here? Really?" I asked. "My nurse actually encouraged it," Vanessa said. "She said we just need to try and keep it down." I stood up and went to the curtain built into the rolling track around Vanessa's bed and pulled it around us, blocking out the rest of the room, and the hallway beyond the glass observation doors. When I turned back to her, Vanessa was shrugging out of her hospital gown, her cute little tits jiggling. I kicked off my shoes and got up on the hospital bed with her, picking her up a bit and sliding her down into a laying position and tucking my head down to suck on one of her nipples. "Oh, Harri," she crooned, her hand running through my hair. Her nipples got hard quickly as I played my tongue over them, feeling the little boob around it tug and pull as I moved around. I popped off and raised my lips to hers again, giving her a kiss. "I didn't get to spend that much time telling you how beautiful and sexy I think you are," I said between kisses. "Harri, you don't need to lie," she said. "My boobs are tiny. I'm used to; Ah, fuck!" I cut her off by grabbing the tit I hadn't sucked on, squeezing it hard enough to make her hiss a little bit. I'd seen she liked a little rough pawing and play during the foursome, so I used it now to make a point. "If you ever tell me these aren't perfect, I'll spank you so hard you'll have my handprint on your ass for a week." "Fuck, Harri; Fuck," she groaned as I let my grip on her tit loosen, and then bent down and took that nipple into my mouth as well. "Fine. You like my tits. I believe you." "Don't just believe me," I said. "Vanessa, you said you thought Erica and I were cool when we first met. Well, I thought you were fascinating. This gorgeous, tough woman who knew how to take charge and make things happen. Beautiful from head to toe even when you were trying to downplay it for work. Now, you're going to lay back so that I can explore every inch of your gorgeous, perfect body." She looked like she was somewhere between beaming happily and crying, but she nodded. I started back up at her lips and kissed around her jaw and down her neck to her collar bone. Then down to her chest, where I teased her nipples some more, rolling one between my fingers while I tongued and lightly nibbled on the other. Once they were both standing proud and weren't about to go down, I helped her pull the hospital gown off until it was hanging from the arm with the IV in it, revealing the rest of her body to me. I kissed down her stomach to her bellybutton and pressed my forehead against her, kissing her fit stomach softly, then moving lower. I got to the point between her belly button and her mound where her scar was, and the Strength tattoo. I took my time there, kissing it, and tracing my finger along the letters of the tattoo. I turned back to look up at her face and she was pensive, staring at me with this worried look like I was going to change my mind about her. "Perfect," I told her again, "And strong as hell." My lips went further, down onto her mound where a smattering of hairs were poking out. She'd obviously shaved herself in the past, but not as recently as I bet she would have liked. But I didn't care, and I kissed along the stubble of her pubic hair, letting it play against my lips as my beard played against her skin. She spread her legs for me, and I slipped around on the bed so I was laying between them on my stomach, looking up at her. "Do you want me to do this here?" I asked her. "Harri, I want your cock inside me like nothing else," she said. "We'll get there," I grinned, and began to explore her cunt with my lips and tongue. I took my time, softly kissing and licking, searching every nook and cranny of her outer and inner labia. Then I did it again, sucking a little harder, nibbling just a touch, finding the sweet spots that made her legs quiver or her breath catch in a hiccup or gasp. Then I went deeper, peeling her open with my fingers to see the soft pink of her hole, and tasted and teased her. She mewled for me, clawing at the bed. I kept needing to move her leg back as it came up and wanted to curl in towards me until I just planted my hand on her thigh and pushed her open, holding her leg wide. Then I did the same to the other leg, pushing them back further, and I slowly licked from her hole up her lips to her clit hood, teasing the tip of my tongue under it before pushing it back with my upper lip and prodding her clit softly. "Making me... ugh!" Vanessa grunted with a girlish tone, gasping for air. I did it again and watched as another little orgasm rolled through her, her cunt flexing as her abdominal muscles clenched. Moving lower I kissed the inner curve of her ass cheek and looked up from between her legs to meet her gaze. She watched me, a little surprised, as I practically buried my nose in her cunt so that I could drive my tongue against her asshole. Her brow furrowed as I did it, and one eye twtiched as I teased the outer ring, then centered on it and nudged the tip of my tongue a little deeper. "Not here," she gasped suddenly, and I stopped. "I; not here," she said again. "Okay," I said, moving up from her ass and kissing the crook of her thigh. "Just like that?" she asked. "What kind of guys have you been seeing that don't stop when you say no?" I asked back. She blinked. "The kind who don't eat ass, and rarely eat cunt," she said. "So the wrong kind." "Then let me ask you; what do you want me to do now?" She closed her eyes and blew out a long breath through pursed lips, before opening them. "Get your pants off and fuck me while we make out. I want to feel you on top of me." I grinned and slipped off the bed, undoing my belt and kicking my pants off. I was already hard, and she was wet from my exploratory oral, so I got back up on the bed and got over her in a standard missionary position. "Like this?" I asked her. She reached down and got my cock in position, and wrapped a leg around my waist and ass to pull me into her. "Like this," she said with a grin as I slowly penetrated deeper into her. Vanessa was hot and clenched my cock in a rippling sensation as I drove in, slowly fucking into her until I was buried to my root. She grabbed my beard in her hand and pulled me into a kiss as we stayed still and connected. "Ow," I muttered into the kiss. "Sorry," she laughed, releasing my beard. "It's fine," I said and kissed her deeply. We made out, our tongues doing more work than my cock for a long moment, until we started grinding against each other. The rhythm built up slowly, less a pounding than a sensuous back and forth that felt more like dancing. Well, the best kind of dancing where my cock was inside of a beautiful woman. Our kiss broke as we panted against each other. "More," she gasped. "More what?" "More weight," she said. "I want to feel you." I lowered myself from my elbows, letting my body press down against hers like a too-heavy weighted blanket. "Umm," she groaned somewhere at the back of her throat. Her body felt tense under mine, but slowly loosened. I kissed the side of her neck, and she ran the heel of her foot down my leg and then back up to my butt. The soft whoosh of the glass door opening outside of the privacy curtain made us both stop moving. "Vanessa, you good in there?" asked a woman. "Yep," she said. "So good. Perfect." There was a long moment of silence, and then, "Oh. Sorry for interrupting. If you and Mr. Black can finish up, your Father was hoping to see you. I can stall him for ten minutes?" "Thanks," Vanessa called back, biting her lips. Two soft footsteps and the door whooshed again, settling closed. "Oh my God," Vanessa groaned. "I can do a lot in ten minutes," I said with a grin. "No, we have less than that," she sighed. "I need to get cleaned up and dressed first, and you need to be out of here before he gets here. But first I need you to fuck me hard and fast and give me your cum." So that's what I did. I raised up higher again to gain the leverage I needed and I started pounding into her with hard, steady strokes. Vanessa gasped, and soon we were back in that rolling rhythm of our hips except it was way more fucking than dancing. Our eyes never left each other, and when I went in for another kiss she bit my lip as she started to come. That pushed me towards my own edge, and I got myself there by reaching down and strumming my thumb against her clit just as she was coming down, pushing her right back into a second wave of orgasm as her body clenched and I released. "Fuck," I growled, thrusting my hips forward and emptying my balls into her. "Fuck, Vanessa!" She arched her back, silently screaming before she exhaled hard and released the tension. We both lay there panting for a long moment. "I really want to fuck you again," I said. "Right now. I'm still hard as a rock for you." "I can feel that, you fucking caveman," Vanessa laughed, cock drunk for the moment. "But I need to clean up and you need to go." "One more thing," I said, and kissed her again. I got my clothes on first and then helped her find and put on her pants. She hadn't worn underwear when she had come to visit us the morning before when this whole thing kicked off, so now she was going to be leaking my cum into her jeans. Her shirt was there as well, but she was still hooked up to the IV, which meant I had to leave the room and send a nurse to help her. I stopped at the edge of the privacy curtain, looking back at her. "Go," she motioned to me. "I'm not leaving. You can see my tits any time you want." Maybe I was cunt drunk, but I wanted to tell her I loved her. I just grinned and blew her a kiss and a wink before slipping out. Once she couldn't see me, I shook my head. I thought orgasms were supposed to give you post-nut clarity, I thought. I almost blurted that out, and no matter how compatible we were sexually I knew that wasn't the right thing to say at the moment. I found the nurse, who went to help Vanessa, while another one brought me back to the elevator where I was met by the night sentry again. He brought me back up to the waiting room I'd been in before, and I flopped onto the couch. "Harri. Harri, we need to stop meeting like this," Miriam said, and I blinked awake again as she was standing over me and smirking. "Fuck," I grunted. "What time is it?" "Just past 0600," she said. "We've got a couple of cars ready to drive you back home." "A couple?" I frowned. "Brent left earlier in his own vehicle," Miriam said. "But we're sending you back with two more partners for your friend Leo. I already spoke with Vanessa and she said she wanted to ride with them to try and help them stay calm through their vaccination." I closed my eyes again as I parsed what she was saying. "Okay, hold on. Leo is getting two new partners?" "From what I red they are a bisexual couple who wanted to stay together," Miriam said. I wiped the sleep from my eyes and sucked in a big breath through my nose. "Well, at least mine isn't the only RV that's going to be packed to the gills." Miriam brought me down to the underground garage for the building and handed my phone back to me. Two black SUV were idling, the windows all tinted to the point that I couldn't see a single thing inside including the drivers. I turned back to Miriam. "Just another day?" I asked her. "Hell no," she smirked. "You, Harrison Black, as the biggest pain in my ass since I took this posting." Then she pulled me into a hug. "But I wouldn't change a God damn thing about it. I'll see you once our on-site office is up and running." "I'm looking forward to it," I said, giving her a squeeze back. "Lieutenant Colonel." "That's Miriam to you, soldier," she said, pulling back with a smirk and kissing me on the cheek. The elevator bingled and I was shocked, or really mildly surprised, to see Agent Sourpuss leading two women bundled up in hooded jumpsuits with masks on. Sourpuss took one look at me and sneered, directing the two women to the front SUV and climbing in with them. "What was that about?" I asked. "Oh, she's pissed off because she keeps getting seconded to us for transportation detail," Miriam said. "I have no idea why, but she isn't happy about it." "No; Technically I'm pretty sure that was my fault, actually. But I meant the whole bundled up get up." "First, why am I not surprised you're a pain in the ass for other people as well? And second, it's new protocols coming up from California and the first testing area. I guess there have been some questions around whether vaccinated but unbonded women could contract or become carriers for the virus. It's the latest back and forth between the scientists." "Speaking of which," I said. "I know why I don't need to be all bundled up, but why don't you? Are you imprinted on someone?" "Me? No," Miriam said. "Not yet, anyway. I'll do it when they push the order out, for now we're still technically in the testing phase for a bit longer. Everyone who leaves the building and re-enters without being vaccinated is getting blood tested and quarantined; it sucks, but it leaves us able to work functionally instead of talking to each other through hazmat suits." The elevator bingled again, and this time it was Vanessa who stepped out as a sentry gestured her towards the front SUV. She saw me immediately and veered off course, coming to me. I wrapped her up in a hug and noticed Miriam giving me a hard-to-read look. "Hey," I said to Vanessa. "I hear you're playing therapy animal for Leo's new partners." "They asked me to," Vanessa said. "From what I understand, the nurses don't think the woman who is supposed to be doing it does a very good job at calming nerves." Miriam snorted a little but covered it with a cough, looking at me. "Well, I feel like I'm missing out on some more alone time with you, but I understand why," I said. "Do me a favor and try and feel them out a bit, see what they're like." "I will," she smirked and went on her tiptoes to give me a peck on the lips. "They're going to be our neighbors, after all." "Yes they are," I grinned and patted her butt. "See you at home?" "Fuck. Home," Vanessa said, backing away from me. "I haven't had one of those in a while. It's gonna be weird." She turned and strode to the SUV and got in the back. "That one might be trouble," Miriam said. "They're all trouble," I laughed. "See you sooner than later?" "Sooner than later," she grinned and winked. I went to the back SUV, which was apparently my personal chauffeur for the sole reason that Agent Sourpuss couldn't find an ounce of empathy in her. Hopefully there's a partition between the front and the back, I thought. I can check those pictures Erica and Ivy were sending me. When I opened the back door of the SUV to get in I had to stop. "Ah," I said. "That explains a lot." I slid in and shut the door. "Agent Grierson." The craggy-faced Agent smirked and nodded. "Harrison. When I heard there was an anomalous vaccination issue, I decided to check it out and lo and behold, it's my favorite redneck." "Did you just come to check-in, or are you looking to offload some more government cash on me?" I asked. The SUVs started moving, pulling out of the garage and into downtown Portland. "Kid, you know I don't need to come to see you to check in," he said. "And I don't have the time to just come shoot the shit, no matter how much I'd enjoy a good fuckin' day off once in a while. I'm here to ask a favor." "Well now you're just being coy," I said. "You know that I know you didn't have to let that lease thing through instead of a flat purchase, so you've got me cornered." "Well, the good news is that I'm not asking you to do anything underhanded," Grierson said. "I noticed you've recently taken on a security consulting contract and your clearance has been restored. I'm going to open it up a little bit more here, if that's alright with you." "Playful, then coy, then asking my permission? Jesus fuck, what are you about to ask me to do?" "Alright, kid. Here's the deal," Grierson sighed. "Sometime in the next few days you're going to get a new partner delivered to you. What I need you to do is keep an eye on her. She's the daughter of the Ambassador from the Philippines, and officially we've run her through the Oracle matching system as a diplomatic courtesy. What no one else knows, including people in that building we just left, is that her Oracle results didn't matter. I'm placing her with you, and scattering a few other Filipino nationals in safe little corners of the country, as a deal with the NICA." "Wait, that's the..." I had to wrack my brain going back to my Military Police training. "Isn't that the CIA of the Philippines?" "A much lesser version, yes," Grierson said. "On the official unofficial paperwork, it's a spy deal. We're going to take care of some of their valuable people who are here, and they're going to take care of some of our valuable people who are over there. The unofficial unofficial deal is that we don't have anyone over there, and the government of the Philippines is going to let us stage our latest espionage attempts into China from their shores. There's a fucking information blackout coming out of China right now, and other than satellite images we've got nothing on what's going on in there." "Okay, hold on," I said. "So am I taking in this Ambassador's daughter as payment for the US Government?" "No, you're taking her in because Kyla Bautista is also secretly a spy who just graduated from the University of Southern California with a degree in dance, and while she was there we suspect she turned at least four different Professors and research assistants into assets for NICA for Intellectual Property espionage. I'm scooping her up and putting her with you because you're so far off the radar that no one would think you're keeping an eye on her, and so that the Chinese can't find her if they figure out what's going on and want some revenge. But most of all, I'm putting her with you because, despite your record and stupid career choices after you left the military, you have the mindset to keep an eye on her without her or anyone else knowing that's what's going on." "This is all well and good, Grierson," I said. "But I've got three women imprinted on me already, one of them by mistake. How the hell am I supposed to add a fourth woman into the mix?" Grierson snorted. "Kid, I got news for you. By this time next year, I'd bet all that money I just put into your bank account that you'll look back and think what a naive question that was." I sighed and shook my head slowly. "What does her father think of her getting matched off like that? Does he even know?" "Oh, he was pissed until he got cut in on an early vaccination as well for his wife, along with his long-time second in command who he's been having an affair with, and his additional American mistress who is very black and very formidable, neither of whom the wife knows about. He seems to think it'll be fine." "Jesus," I sighed, shaking my head. "So what, is the OGA offering to pay me for spy sitting?" "No," Grierson said. "But there is an upside." "What's that?" "Like I said, Kyla Bautista graduated with a degree in dance. If I wasn't too fucking busy being ethical, I'd have just put her in my house. The woman is something else." "That's gross," I said, my face twisting in mild disgust. "It's reality, kid. Game it out; people need to fuck to save their lives. Even before this shit show people put a value on beauty over pretty much anything else. What do you think it's going to be like when the entire country is getting matched up?" "I don't know," I sighed. "That's; I don't even want to think about it." "And that's why they pay me and my people the big bucks," Grierson said. He tapped on the glass partition that separated us from the front seat, and the SUV began to pull over. "I'm not asking you to do anything you wouldn't have anyways. Just keep an eye on her for me, alright?" "Fine," I said. "But if she takes one look at me and asks for someone else, I can't do anything about that. I'm not forcing some woman into this." "Won't be a problem," Grierson said. The SUV came to a stop, and he stepped out. "Grierson," I said, and he turned back. "Miriam said someone pulled some strings to get her assigned where she is. Was that you?" "What?" Grierson raised an eyebrow. "You think I like you that much, kid?" "That wasn't an answer," I said. "Well, if it was me, I think maybe you owe me another one still," he said, then shut the door. Another car had pulled up behind us, which he got into, and it pulled a big U-turn in the middle of the empty street and drove back the way we'd come. The driver of my ride pulled back onto the street and sped up to catch the other SUV in our mini convoy, and I was left to my thoughts. I sighed and opened my phone. I didn't want to think about this Grierson thing. If it happened, then it happened and we'd deal with it. I went to my messages and opened the ones from Erica and Ivy. "Fucking hell," I sighed, looking at the lewd pictures and knowing that Miriam had seen them. "What am I going to do with three women?" Or four? Or more? I was going to need a bigger bed, and quickly. I stretched, feeling several somethings in my back and shoulders pop, as I got out of the back of the nondescript black SUV and felt the gravel of the construction site crunch under my boots. The place was bustling since we'd arrived mid-morning, and I saw more than a few of the workers taking looks over at me and starting to talk to each other. The rumor mill must have been burning hard since Vanessa had gotten carted off in a military helicopter and flown away. First things first, however, was to not unload two vaccinated-but-unbonded women into the middle of a construction site. I flashed a quick thumbs up through the passenger side window at whoever my driver had been; I'd never seen a face or heard a voice; and jogged up to the other vehicle and knocked on the passenger window. Agent Sourpuss rolled it down a moment later, scowling at me from the driver's seat. "What?" "I know you haven't been here for a bit," I said. "But if you drive around to the right over there you'll see our RVs and our little compound. Dropping the ladies off there would probably cause less of a, uh, scene." I could tell she wanted to argue with me but knew I was right. Instead of answering she just stabbed her finger down on the window button beside her and closed it in my face, then pulled the SUV around and headed in the direction I'd pointed. I walked along behind, and we rounded the second big bunkhouse building that was looking just about finished now and headed towards our compound. By the time Agent Sourpuss put the vehicle in park Erica and Ivy were already ducking out from behind the sheets hung between the corner of the RV and the storage container that we'd deemed the 'front door.' Leo and Danielle were right behind them. I wanted to go to my women, but I held myself back and instead opened the rear door of the SUV. Inside I saw that Vanessa was sitting in the middle row bucket seat, and I leaned in and kissed her quickly before offering her a hand down. "Don't go getting all chivalrous on me now, Harri," Vanessa grinned as she accepted my hand and swung out onto her feet. She looked back into the vehicle. "Come on, ladies. Leo's out here waiting for you." The two women, practically swimming in their baggy, hooded coveralls and masked up to boot, unbuckled and started climbing between the seats. I, however, was suddenly a little busy as I was hugged from behind by a small form that could only be Ivy. Beside me, Erica was pulling Vanessa into a hug as well. "I'm so sorry, hon," Erica said, squeezing the shorter woman tightly. "If I'd had any reasonable idea that this would happen,” "It's fine, Erica," Vanessa said, squeezing her back and giving her a kiss on the cheek. "Seriously. We'll talk about it, but I'm Okay with it if you are." "Hey you," I said in the meanwhile, turning at the waist to wrap my arm around Ivy's shoulder and hug her to me. "Hello, mon amour," Ivy sighed. "I missed you." "I missed you too, I've," I said, and leaned down and gave the short blonde a quick kiss. The first of the women had reached the door of the car, and Ivy let me go so that I could offer her a hand down. All I could see of her were her eyes and the skin around them; she was white but tanned heavily, and had soft grey eyes that were flicking around. "Let me help, miss," I said. She accepted, her gloved hand taking mine for a moment to step down, and I ushered her directly towards Leo and Dani. "This is Leo, and his better half Danielle." "Hey," Leo scolded me playfully, giving me a little punch on the arm as he grinned. "Hey, hon," Dani said, pulling the woman into a hug that seemed to surprise her. I turned back and Erica was helping the next woman down; she was white and paler than the first, and had dark green eyes. Soon she was getting the same hugging welcome as the first from Dani, as Leo looked both a little bashful and a little excited. "How about we head in and talk?" Erica suggested to everyone. "Ladies, Leo is my brother so I might be biased, but you're in good hands. And if he ends up sucking, then Dani's got you." "Hell yeah I do," Dani chuckled, nudging Leo with an elbow. "I wouldn't mind getting handled by either of you," the tan woman said through her mask. "God damn, girl. Your tits don't quit." "Thanks for noticing," Dani grinned and winked. She took both women by the hand and started leading them into the compound. "Come on, let's get you two fucked and settled." "Now that's one hell of a welcome offer," the other woman laughed. I laughed a little too, hearing the two as Leo quickly jogged ahead to hold the fabric door open for them. "Seriously, those two are gonna be something else," Vanessa said, shaking her head. "You got to talk with them?" Erica asked. "The whole ride here," Vanessa said. "Their names are Aria and India. Aria seems a little sweeter and the more rational one, while India is a hippy kid from hippy parents. They said they've been girlfriends for three years, and up until last year they 'worked' as sugar babies while Aria was finishing up her master's of communications." "Jesus," Erica sighed with a rueful smirk. "They're going to eat Leo alive."

Carrie and Mark settle in to everyday life.by T. Foxal. Listen to the ► Podcast at Connected.“Oh Mark. I have never been made love to like that ever. It was perfect. Everything you have done so far has been perfect for me. I don't think you have one selfish bone in your body. I need to know though, are you scared of all of this?”“Carrie, I have never been more scared in my life. Not even over in the sandpit, with bullets flying all around. Had you not said I love you back to me, when I made my declaration, I would have been crushed. I've never, ever let anyone into my heart, like I have let you in. Am I scared now? A little. I know you said it the other night. Well, you told me to catch up with you because you were already there. But over time, I thought you may have some misgivings for saying, since we were in the heat of the moment then. But all the little things you have been doing, or saying, led me to believe you really were. And, I wanted to make it special for you. This whole day when you weren't around me, all I could think of was you. I wondered what you were thinking when you took your bath before, or what you were doing and thinking when you left this morning. Let's face it, we haven't been alone with our own thoughts for a week now.”She leaned in and kissed me lightly on the lips, then said, “Mark. I knew from that first kiss. Then when we made love the first time, I was in heaven. It wasn't sex between us. It was more. Since that time, we have done nothing but make love and my heart races every time I see you. I was so scared when I said that the other night. Did I push you away from me? Would you just say, screw this, I'm outta here. But the big thing for me was when we were at the winery, and you went up to the bar to get us those samples. Your eyes smiled at me the whole time. You didn't even look at that girl, who I thought was really hot, but just kept looking at me. You made love to me right then. Am I scared. Yes. I want this more than anything, but I don't want to be hurt again. I lived that. But, you are not him. You are so much more than he could ever be. I was eye candy for him, and a fuck, and nothing more. My heart is now yours, please don't hurt it.”I rolled to my side and looked deep into her hazel eyes, then kissed her. “You know what turned me on the most today?” “No, Baby, I don't” “When I saw you after you came back from your day in town. My God, you looked so sexy and stunning to me. You are such a beautiful woman, and not just physically, but all around. I wanted to take you then, but then that would have downplayed this evening. I never tried to be romantic with anyone before, and I so wanted to seduce you tonight.”She giggled. “Well Mr. Marine. You succeeded in every way tonight. I'll tell you. When I saw the robe, then the candles lit by the bathtub, I got super horny. I wanted you so bad then. Then when I shaved down there, I felt incredibly sexy. I even came after that. But when we took off our robes and I saw you in those boxers, I damn near raped you. But dancing really did me in. I almost told you then I loved you. But I am glad I waited now.”As she talked, her hand was now on my cock, stroking it back to life. When I was hard again, she leaned in and kissed me, then pushed me to my back. She kneeled and straddled me and slowly sat down on me, engulfing me with her velvet like inner walls of her sex.“Baby?” she whispered. “This has been an amazing night. But now I need to be a little naughty. A couple should be able to let loose some and enjoy sex too. I love lovemaking, but I also love to fuck Mark. But only with someone I want to give myself too, completely. I want to fuck your beautiful cock. I want to feel your cum spray deep inside me and, I want cum all over it. Fuck me Baby. Make me your Lover.”I arched my back up and drove in deep in her. “Oh Fuck. You are so deep.” She started moving up and down, faster and faster. “Oh god I love this. My favorite position too.”She leaned down and started smothering me with kisses. Moaning as we fucked. I did too. Her head slipped to the side of mine and whispered. “You like my tight little cunt, don't you Babe. Your cock is a perfect fit for it. My cunt loves your cock. Oh God Mark. ““Oh God Babe. Your cunt is so tight. I love it and always will. Fuck me Carrie.”She sat up and started grinding hard on me now. Neither of us was going to last long. I sat up and took her one tit in my mouth and sucked hard.“Oh Christ. Suck my tits Baby. I Love that so much”She started pounding me harder now, as I continued sucking it, then switched to the other. Her arm went behind my head and pulled me in tighter. My hands were holding her luscious ass as I did this. My one hand went exploring and touched her ass, which made her moan really loud. I slipped it down to her cunt and got it wet as the finger rubbed against her lips and my cock. Then I brought it up to her brown hole and slipped it in.“Oh Fuck Baby. Yes. God I love you”She started cumming a minute later. Her head and body shook as she came hard, but somehow, she maintain the rhythm we had going. I was now getting close myself and could feel my balls tighten up, signaling my impending orgasm. “Oh Shit Carrie, I'm going to cum” I yelled out.She slammed down one last time, and then jumped off. Her mouth was over my cock in no time and was starting to suck me, when I erupted in her mouth. I had to have shot 5 or 6 good ropes into her hungry mouth. She didn't spill a drop, except at the end, a little dribbled out the side.She was kneeling now, getting ready to wipe her mouth, when I grabbed her wrist and gently pulled her to me and I licked it off of her face and then kissed her. The kiss was so hot and passionate. We were lost in that kiss for minutes, until she broke away, panting hard.We both lay on our backs now, still in a euphoric bliss from our love making. Carrie was very quiet. At first I thought she fell asleep, until I felt her hand grasp mine and squeeze it.“Are you  okay Carrie?”, I asked. “Actually, I am on cloud nine, as they say. I've never been made love too, like this, then opening up and letting go like that. I just hope you don't think I am some sort of slut. I want to explore all there is with you sexually and lovingly too.”“Babe. You are hardly a slut. Sex to me, is supposed to be fun too. You were amazing. But our love making, well, it's beyond words. To me, you are an angel. Quite the lady too. In bed, we can do whatever we please, as long as we both agree on whatever we do. One thing though, I can never share you with anyone. I don't believe I get jealous, but I could never share you with anyone, man or woman. I knew a couple in the service that did that. Got into swinging. No way. Not with someone I love and respect, like I do you. But just so you know, I really enjoyed the naughty Carrie. She is fun.”“Umm.. I may have to let her out more often then. Cuz naughty Markie, was turning me on too. But, you will never have to fear me wanting another. I am quite happy with who I am with. I will never deny you in bed either. Except, when I am sick, or you are sick. Sex just doesn't seem like fun then. But that's about it.”“Yeah, being sick and wanting sex, just doesn't seem to go hand in hand. I will never deny you as well. But, I'm a guy, so the prospect of me saying no is quite low.”She giggled, then said, “Well. Mister. You better never hold out in the oral department anymore. Oh Christ. That was unbelievable. I could take that all day long. And, I love giving too. I love how you taste.”“You're turning me on again Honey. How do you feel right now?” I asked“Horny” she giggled then. “Honestly. And don't freak when I say this. But I feel as though I am on a Honeymoon and you took your virgin bride to sexual highs she never knew existed.”I did chuckle. “Nothing wrong with that. To me, you are a virgin, or at least were. I don't care about your past. You are my first, and dare I say, only love for me.”“I like that” she replied. Then said, “Where do you see us in a year?”“Honestly. I never look to the future too much. But, I have been lately. I hope that you will be with me in a year, and maybe, just maybe, if you haven't tired of my Jarhead ass, we are right back here, spending it as a true honeymoon”She folded into my arms and kissed my cheek. “I think that could be a real possibility. This Squid actually has thought about it, and she doesn't think she'll ever tire of you. Piss me off at times, Yes, but never tire.”I then laughed, and she asked what was funny. “God, if your Dad could see us right now. He'd hang me.”“Nah. He knows I like you a great deal. He doesn't know we professed love yet. But he does like you, Mom told me that. Jenny knows too. I talked with her this morning. I sent her a selfie, after I got my hair done. She called right after seeing it. Then she starts out by saying, “Damn Mom, you look hot. I think someone is in love.” She's a pretty smart girl actually. I was supposed to face time with her earlier, but someone had me a tad busy. She wants to see you and talk with you.”“Oh great. She's the one person that scares me the most, and I want on my side. More so, than even your parents. Go ahead and call her now. It's only 10pm.”She giggled again. “Uh No. We better wait until tomorrow. This is the first time her and her boyfriend Alan have been alone for a long time. He was with his family last weekend. They have dated for a year now, so I am pretty sure, they are in the same place you and I are right now, naked and in bed.”“You  okay with that? I asked. “Oh yes. I like him a lot. He treats her with so much respect and I know they love one another. He's a good kid and dotes after Jenny. His world revolves around her. He is studying to become a food scientist. If they can last the ups and downs of college and still remain in love, I could easily see them married one day. Only time will tell. And don't worry about her liking you, she will. She knows I do, and so far have made me extremely happy.”She got up then and walked to the bathroom. Then came back with our robes. “Let's go cuddle on the couch, enjoy some wine and TV, before we call it a night.” And so we did.Chapter 15.It was morning now, almost 8:30. I never sleep this late. The only reason I was up was because I had to pee so bad. Carrie was still sound asleep. She was curled up and looked so peaceful. My thought was, “What in God's name does she see in me. I'm nobody special. Yes, I am in good shape and I do treat her with respect, but she is absolutely beautiful and had I known of her, somewhere else, I would have never even attempted to approach her. I wasn't in her league, or so I thought”But here I am, one week after meeting her, and totally in love. I could not even fathom life without her in it. But reality would soon be creeping up on us. I knew she would be leaving mid-week. Would this all end after she left, and had time to really think this through? Only time will tell.I padded to the kitchen and made coffee. As it brewed I stood looking out the back door window. The skies were an ugly gray. Rain was falling. We knew this was coming, after viewing the weather report last night. Today and tomorrow, rain.I then toasted a few bagels, and got out the cream cheese. Made us both coffee, and took it to the bedroom. As I walked in, Carrie was yawning and stretching. Her tit were in plain view, and look so delicious to me. She sat up, not bothering to cover up. “Good sign” I thought.“Good Morning Sweetheart. I thought you may enjoy some breakfast in bed” I said to her.“Oh Wow. I could definitely get used to this. Especially if you lose that robe.”We sat and enjoyed our breakfast. We also started talking about this coming week. Since it was raining today, we decided to go into town and take in a movie and then dinner at some restaurant. On Monday, we were to hike Algonquin Peak, but if it is raining, we'll need to find something else to do.She then said, “You know I leave Wednesday. I have a doctor's appointment on Thursday that I made months ago, and I can't reschedule. It just takes so long to get in to see her.”“I know you were leaving then. But, I also am going to leave that day, with you. No sense hanging around here. Be bored to death, and I know me, all I'll think of is you the whole time.”“Awe. You are so sweet to me. But this is your vacation and you had it all planned out. Stay and at least hike some more of these mountains. I'll feel bad if you miss out on that.” she said with a pouty face.I just smiled at her and told her no, it was best I do head home. I had some major cleaning to do at my place. The house I have is actually an older farm house that was my grandparents. My grandmother outlived my mom and when she died, it was left to me and Ann. Ann didn't want it, so to be fair, I paid her the half she would have received, if we had sold it.The house was nice, but very outdated. Even the furniture was from the 60's. To me, it was cool, but my needs are simple. Ann has been bugging me for almost a year now to at least get some new furniture, if not update the whole place. My office is actually the dining room.I tell you this because I have never brought anyone there, especially a date. So bringing Carrie there, as it looks right now, is totally out of the question. As I told her this, she just laughed. She asked if I keep it clean, or was I a typical guy, and let things go until I can't stand it anymore. I told her I always keep it clean, it's just very outdated.“You big lug, I don't care about stuff like that. I will care if it smells like the gym on board a ship smells like. That is so gross.” and we both laughed.We finished our coffee and bagels, and set our cups and napkins on the nightstand. She pulled the cover down and asked me to slide in. We started kissing and making out some, when her phone rang. “Perfect timing” I thought. She looked at the phone and said, “It's Jenny. Hope all is alright. She is never up this early.”“She hit some button and I saw Jenny's face appear on the screen. Luckily, Carrie had the sheet up above her tit, and I was safely off to the side.“Hi Sweetheart”“Hi Mom. Hope I am not disturbing you.”“No Sweetie. You're good. We were just having breakfast.”“Oh. In bed too. I take it Marine guy is nearby.”Carrie laughed, “If you must know young Jen, he is right here, and his name is Mark, not Marine guy. But you knew that” “Hey just giving you a hard time. Hi Mark.” Carrie moved the phone over to where I could see her and she see me. I had just put the robe back on, so I was decent.“Hi Jenny. Very nice to meet you. I must say, you are as pretty as your mother.”Jen smiled; “Thank you. I hope to get to meet you when you two get back from your little vacation.”“I would say that is a very good possibility, unless your Mom gets rid of me by then. Lots of mountain tops she could push me off of, up here.” I said with a laugh.Carrie turned the phone back to her and said, “What did you two do this weekend? Is Alan still there?”Jen smiled this sly smile “Yeah. He is still asleep. We went to dinner and a late movie, then came back here. The main reason I am calling is that Papa called a bit ago, or I'd be sleeping too. He and grandma are coming up next weekend”My eyes got real big, but Carrie just chuckled, “That's great. When are they coming in?”“Friday evening, and staying here for a few days, then going to aunty Bev's for a few days. And Mark. Papa had a message for you. “Don't crap where you eat son.” He said you'd understand completely.”I just shook my head. Great. He's gonna shit when he hears his daughter and I are now dating.Carrie was laughing now. Jen wanted to know what that was about. Carrie said she'd tell her when she sees her this week. They carried on for a few more minutes as Jen filled her in on stuff. Now Jen did look somewhat similar to her mom, from what I could see on the phone. That same light caramel color, with long flowing brown hair, and a gorgeous smile. Alan should consider himself a very lucky man. They signed off then after saying goodbye's and Jen saying bye to me too, telling me to take very good care of her mother, or else.I asked, “Are you sure she isn't your blood daughter? You two look so much alike.”“I wish she was. But No. Her parents were Puerto Rican, so the skin color is close. She shorted too, only 5 foot 3. She is an angel. You think Dad dotes over me? Wait till you see him around Jenny. I feel bad for Alan. He's met Dad twice now and is scared shitless of him. But Daddy wants only the best for his girls.”“Yeah, well, I am wondering now what is he going to say about us being together. He still scares the shit out of me.”She laughed, “Oh I don't know. I'll let you know after I tell him how you been having your way with me this whole week.” then laughed some more. She then opened his robe, grabbed his semi stiff member and stroke it.She giggled, the looked at him and stated, “Umm, I wonder what he'd say if he knew I was doing this.”, as she lowered her head to my manhood and sucked the head in.“Oh God Carrie.”The PromiseCarrie and Mark settle in to everyday life, once they return from their week and a half camping and hiking trip, after finding love in those mountains.I asked, “Are you sure she isn't your blood daughter? You two look so much alike.”“I wish she was. But No. Her parents were Puerto Rican, so the skin color is close. She shorter too, only 5 foot 3.. She is an angel. You think Dad dotes over me? Wait till you see him around Jenny. I feel bad for Alan. He's met Dad twice now and is scared shitless of him. But Daddy wants only the best for his girls.”“Yeah, well, I am wondering now what is he going to say about us being together. He still scares the shit out of me.”She laughed, “Oh I don't know. I'll let you know after I tell him how you been having your way with me this whole week.” then laughed some more. She then opened my robe, grabbed my semi stiff member and stroke it.She giggled, the looked at him and stated, “Umm, I wonder what he'd say if he knew I was doing this.”, as she lowered her head to my manhood and sucked the head in.“Oh God Carrie.”Chapter 16.The rest of that day, and into Monday, it did nothing but rain. So exploring any of the mountain tops was curtailed. We pretty much hung around the cabin in just our robes that day. The only time we dressed was to go to dinner, down into town. Neither of us felt like cooking. It was very hard for me to resist getting Carrie naked and just making love all day, but she needed to know that our relationship, that we both professed our love for each other, was more than just a physical thing, but also emotional.You see Carrie is a very beautiful woman. She is 5 foot 7, 130 pounds, with caramel colored skin, almost like Halle Berry skin tone. Her hair is short now too, with blonde highlights mixed in with her brown hair. Totally sexy in my eyes. She has amazing legs that are long and toned and a great ass. What turns me on the most is her tits. They are a large A, or small B cup. I love a woman with small tits.I am 5 foot 10, 175 pounds, and been told by many, a handsome man. I keep in shape, and that is because after spending 20 years in the Marines, you get used to working out. It's just ingrained into your fabric. I was single too, for all of those years. Never had a serious relationship, except for a semi one, back in my 20's, when I lived with a girl for a few months. But she didn't enjoy my deployments too much and wanted more. It was mostly a sex thing for us, and a place for us both to crash, when we were screwing.But now, a week and a half later, I am totally in love with this goddess, and she with me as well. What is funny too, I know her parents, or to be more specific, her father. He was a Master Chief in the Navy, and was on the aircraft Carrier Lincoln at the same time I was, years ago, when I was a Staff Sergeant in the Marines. Great guy too, but could scare the hell out of you. Carrie too, was in the Navy back then, but I do not think we ever crossed paths, since she worked on base, and, was also married back then to a Seal, which she now divorced from.Like I said earlier, we only got dressed that Sunday for dinner, then that Monday, a day we were supposed to visit another Adirondacks peak, it rained as well. We did go driving around and admired the countryside and had a fine dinner at the Italian restaurant we found the previous week.Then on Tuesday, we decided to go horseback riding. We found a place about 20 minutes from the cabin, near Lake Clear. We had a great time exploring the area by horseback. I have to admit, my ass was quite sore by the time we got through, as was Carrie's. There was a few times I would hang back, behind her and admire her ass as it bounced up and down in the saddle.She looked back one time and caught me. “God, don't you ever tire of looking at my big ass?”I just chuckled and told her, “Hell No. I love your ass, and it is hardly big. Remind me later to massage it for you, because if mine is sore, I know yours has to be.”“Maybe I will let you. Not sure if I want you touching it later. Now get up her next to me.” then whispered to me, after I got close, “You be a good boy, and I'll let you see it naked later.”, then laughed and rode away from me.After our ride, we stopped in this tavern that also featured home cooked meals. We both decided on burgers and fries. Normally, we both try to stay away from fried foods, but, as we both found out from talking, we like to cheat on occasion.By the time we got back to the cabin, nighttime was upon us and this was our last night together. I know we both pledged our love to one another, but after tonight, she may get a dose of reality when she got back home, and say, “No way” to being in a relationship. For me, I was all in. I never wanted anything more in my life, than to be with this beautiful, smart, witty and energetic woman.After getting into the cabin, I started a fire in the fireplace and Carrie went off to the bedroom, to get ready to shower. After I had a nice fire going, she came out in her robe and asked me to join her. As we washed each other down, removing the horse smell from our bodies, we kissed and held each other. We both took turns drying each other, then donned our robes and made our way to the couch. Before I sat down, I went and got us each a glass of wine.“Mark?” she said, and I looked at her. She had a tear on her cheek, for which I lightly brushed away. “What's wrong Honey?” I asked.“This is our last night here. This has been the best vacation I have ever experienced. Had you told me two weeks ago that I would meet the man of my dreams, I would have said you are so full of shit. But here I am, sitting next to you. I am so in love with you and I am also scared silly about tomorrow.” she explainedI knew what she meant, when she said she is scared. I am too. We get back to our real lives and the fantasy just fades away. She was deeply hurt all those years ago and opening up and allowing someone in, has to be tough for her to do. For me, it is a new experience. One I have never had before. If it does end, it will hurt, but I know I can move on from it, I think.“Carrie. I'm scared too. Once we are home and reality sets in for you, you may say, screw this. I have never opened up to anyone in my life, except for you. I just hope that you will grow with me. I'm going to make mistakes. You may want something, but I'm too stupid to know and understand, but like anything in life, you learn. One thing I will promise you and this is I will always be true to only you. I love you and will never do anything to hurt you.”“Oh Mark. No man has ever made me feel this way. We'll take each day as it comes and just know I will never hurt you as well. But be forewarned now, I can get bitchy. I don't mean to be, but it happens and when it does, just leave me be, and I will be fine. I think the hardest part of tomorrow is going to be not being with you, especially at night. After a week of sharing a bed together, and feeling so close to you, it is going to suck not having your arms around me tomorrow night, or this weekend. If I didn't have that appointment Thursday, I'd let you stay with me tomorrow, but I know us, we make love, and since this is a gynecologist I am seeing, sex wouldn't be the most prudent thing for me to do. And then this weekend, with my parents in town, I'm not sure what they'd say about us sleeping together.”I laughed, “Yeah, I could just see the look on your dad's face when we told them goodnight and padded off to bed. As for sex. We don't always have to have it you know. I mean I'll never turn it down, but I also know there is more to us than just sex. But tomorrow after we get home, and then at night, we'll probably both be too tired to do anything. Plus, like I said, I need to straighten up the place. One thing though. On Thursday, I would like to take you and Jenny to dinner, Alan too. That way, she has someone there who she is comfortable with, just in case she can't stand me.”“Oh Stop. She is going to love you. I'll call her tomorrow and set it up. Now! Take me to bed for the last time here and hold me Baby. I want to fall asleep in your arms.”Chapter 17.We got up early for some reason, and took a shower together. I still marvel at this exceptionally beautiful woman. She makes my heart race anytime I am near here. And when we are naked, it quadruples in magnitude. We did not have sex, but we did hold and caress each other until the water started turning cold.We were then packed and on our way home. She drove in front of me for the next 4 hours. We did talk on the phone a couple of times. The last time was just before my exit, which is a couple before hers. I called her and told her I would call her later and that I loved her. I could hear in her voice, a hitch, just like I had in mine. I missed her already and I had just exited from the roadway.Once I was home, I did a load of laundry, then went and started dusting and vacuuming the place. Not a thing I do a lot of. Of course my sister always comes over and does it at times, and bitches me out when she does. I then cut the grass, which was needed after two weeks of not touching it. It takes two hours to cut this lawn, and that's with a tractor. While I was cutting, I did miss a call from Carrie. She also texted me, just saying she was thinking of me and loved me. I texted back apologizing that I didn't answer her and explained why, and that I would call her later.We did talk around 6 that evening. She too was busy with housework and laundry. She strip the beds, not knowing which bed Jenny and Alan slept in. I had to laugh at that. She chuckled too but said, “It's one thing to sleep in our wet spot, but I'm surely not sleeping in theirs.” Which made me laugh hard.About 10 that night, I called her. She was lying in bed, reading a book. She conveyed to me that Jenny was ecstatic over meeting us for dinner and really happy I had included Alan. They were going to meet us at Carrie's at 6pm tomorrow. I told Carrie we would try Delmonico's Steakhouse, which was kind of close to her.She chuckled and said, “Oh fancy place. You know, you don't have to take us there. There's a nice restaurant right down the street from us.”“That's cool. But I want too. How many college kids can go to a place like this. Plus I have always wanted to try it, but, I'm not going alone. Ann said the food is excellent there.”“Speaking of Ann, did you call her and inform her that you are bringing someone Sunday?” she asked.“Oh yeah. She is so excited now. She can't wait to meet you. I told her that your parents were going to be in from Florida and I didn't know what plans they had that day. She said to bring them along too. The more the merrier.”Carried giggled, then said, “I don't know if your sister has a clue what Dad can be like. Just don't bring up politics. He thinks they are all thieves and liars.” which made me laugh.Then she got quiet. “Anything wrong? You are quiet now “ She sighed, “No, just missing lying next to you, with your arms around me. I feel so safe then. I love you Mark”“I love you too, Carolyn, and I do miss being with you. It was a very long day without you near me.” I told her.“It was a long day for me as well. I don't know how or why this happened between us, but I am so happy that you are in my life now. Maybe tomorrow night, you can spend it here with me, if you want too.” she said.“I think that can be arranged. You know what I do miss? You calling me Jarhead. When you say it, it means something to me.”“I told you, after last weekend, I was done calling you that, but if you insist, I'll just call you JH.”“I insist Squid. Now get some sleep. Just know, I love you Carrie and I am holding you in my dreams tonight.”Chapter 18.I knew Carrie had an appointment at 11am, so I didn't want to bother her, but did send her a text, after I got up and said good morning and I love you. She replied instantly to it, saying she was about to shower and get ready and she loved me too.I was pretty proud of myself. I dusted and swept the whole house. Not that I am a slob, but those are two jobs I really don't enjoy doing. Hell, living alone and never having people over, except for my sister, afforded me the luxury of not caring too much to do that. But with Carrie in my life, I guess I need to change my way of thinking.I then immersed myself in a project that I had been working on for this one company. I needed to do something to keep my mind occupied, since I would not be seeing her until later in the afternoon. I was surprised though, that by 3pm, I hadn't heard anything from her. I hope all went well with her doc appointment.I had told her that I would be over by 5:30, so we could spend some time alone, before Jenny and Alan showed up. By 4:30, I was shaved, and showered, then dressed for the evening. Since it was cool out, I wore dark blue pants, and lighter blue shirt, with a dark blue sport coat. I wanted to look good for when I met Jenny, and convey, I'm not some unkempt slob, who was dating her mother. I'm generally a jeans and t-shirt, or sweatshirt, kind of guy.I couldn't stand the wait any longer and decided to arrive a bit sooner. I got to her house at 5:15, so just a little bit early. After ringing the doorbell a few times, Carrie finally opened the door. Although she smiled when she let me in, I could tell something was amiss with her. After a brief hug and quick kiss on the lips, we stood back from one another.Carrie was wearing a burgundy pleated dress. It came to just above the knees. The neckline plunged just a bit, with white lace around the edges, with short sleeves as well. She looked radiant.“Wow. You look absolutely beautiful Sweetie.” I told her. She just said thanks, but that was it. Then said she had to finish getting ready. My antennae was now up. I could sense something was wrong. This girl was always so bubbly, and that definitely was not the case now. So I just walked around her living room, looking at pictures on the wall of Jenny, and her parents, and some people I had no clue of who they were. Then just took a seat and waited for her.For me, this was something new. I did not know what to say or do. Did I do something wrong, that may have upset her? Who knew, but this was not the Carrie I just spent almost two weeks with, had fun with, and made love too on many occasions. So I'm basically a fish out of water now. I made up my mind to just go with the flow, and when she is ready to talk, I'll be there, and hopefully, understand what is going on.Of course, my fear was she was going to end this between us. She had time to reflect and said that this wasn't worth it. If that is how she felt, then who was I to pursue it any further. I don't want to be with someone who did not want the same as me. Sitting there waiting, makes your mind think weird ass things, like I just did. Then again, maybe it wasn't anything and she is just having a bad day, or is nervous about me meeting Jenny.She finally emerged from wherever she was in her condo. When I saw her, she looked the same, so I have no idea what else she could have been doing. She walked into her kitchen and got a bottle of water, then asked if I wanted one too, which I kindly said no too.I finally got the courage to ask, “Is there something wrong?”She looked at me and had a sullen look on her face, then finally said “No. Guess I am just tired from all the prodding and poking today. I'm sorry I am not more upbeat.”I got up and went to her and wrapped my arms around her, “If you want to cancel tonight, that would be okay with me. We keep go out with them some other time, when you are feeling more up to it.”“No. No. I am fine. It will be fine. We'll go have a fun night with them. Jenny is so looking forward to meeting you.” she said, as she pulled away from me and went into the living room. “We'll talk later tonight, when we get back.”I knew from how she stated it, something was wrong. But, being a dumb man, I have no clue as to what. I didn't want to piss her off by asking questions. Maybe something at the doc's. I guess when she is ready, she will let me know. I walked up next to her and grabbed her hand, just to let her know I was there for her. At that point, her front door opened and in walked Jenny and Alan.Jenny was definitely a looker. I would say 5 foot 3, maybe 110 pounds, brown hair and eyes, and the cutest dimples. She did have bigger boobs than her mom, but since she was adopted, that made sense. But the irony of how much the two looked alike was uncanny. Alan was a good looking guy too. He had that German look to him. Blond hair, blue eyes, chiseled face and stood about 6 foot, but maybe weighed 170 pounds, if that.After making the introductions and some small talk, we left her condo and headed to dinner in my truck.At dinner, Carrie seemed to be her normal self. Well, at least the normal I had seen for the last two weeks. Jenny was regaling us with stories from her college life and some of things her and Alan had been doing of late, except for the sex part. I don't think Carrie, or myself, needed or wanted to know those details.As dinner was finally coming to an end, I had to admit, I was kind of quiet. I just let the three of them guide the evening and the conversation. Jenny did inquire what I actually did for a living, so I explained it to her. She was impressed, as was Alan. I tried not to let my concerns for Carrie, or our budding relationship ruin the evening. In my heart though, I had a bad feeling, this would be the last time I would see these three people.Near the end of dinner, Carrie announced that she needed to use the ladies room. Alan also said he need to use the facility, which then left just me and Jenny. I wasn't sure what to say to her, so I let her make the first move on talking.  “okay Mark. What's up with mom? Did you two have an argument or something?” Jenny asked.I shook my head, “Jenny. I have no idea what is wrong tonight. When I arrived this evening, she was down for some reason and won't tell me why. Yesterday we were fine, but ever since her doctor visit, she has changed. Maybe she has done some thinking and decided a relationship is not what she wants. Until she tells me, I am in the dark.”Jenny reached over and touched my arm. “I don't know either, but I do know that she and I talked last night for an hour and she is head over heels in love with you, and says you are with her as well. Are you Mark? Are you in love with my Mom?”“Nothing has changed for how I feel for your mother Jenny. I am in love with her. But, if she has had a change of heart, then I will abide by her wishes. Maybe we moved too fast. I don't know. To be honest Jenny. I have never been in love before, so this is a new territory for me. But if she had time to reflect now, and feels this isn't what she wants, well, I don't want to force anything like that on her. I just want her happy.”Jenny just shook her head, “I can't believe her mind could change like that. Something must be wrong and she just needs time to process it. Maybe you two can talk later. When we get back to my mom's, Alan and I are going to leave, and give you two some space to talk. Oh, and by the way, Papa really does like you. He thinks you are a good man.”Just as she said that, Carrie was walking back. Alan came a minute later. The waitress came around and asked if any of us wanted dessert, but we all begged off, since our meals were so filling.On the way home, Carrie was pretty quiet. In fact, you could probably cut the tension with a knife, that was between us. Jenny and Alan were pretty quiet too. I'd have done anything to hear some funny story either of them may have had right then.After arriving back at Carrie's condo, we all got out and Jenny said that they needed to get going. Carrie said she wished they could stay longer, but the kids said they had some homework they needed to finish up, but would see us this weekend. Of course my mind didn't think I would be involved with this family get together.As they left, Carrie turned and headed to her door, and I followed. Once inside, she asked if I wanted anything to drink, which I kindly declined. She went to the kitchen and got a bottle of water then rejoined me in the living room. I wanted to get this over with, so I started it off.  “okay Carolyn, please tell me what is wrong. I need to know.” I said in a somber voice.“Let's sit” she said, and we both did. She faced me and I could see a tear starting to form in her eye. My stomach became a knot now. My fears were now becoming reality, at least in my mind.“I wish I knew where to start, but I have to say, that no man has ever made me feel the way you make me feel. But I really think we need to step back and take a break for now.”, then she started crying. I reach for her, but she backed away. That made it feel like a knife was just plunged into my heart.“Carrie. How can you go from being so in love, to wanting to take a break, just like that. There is more than what you are telling me. So please tell me what has caused this sudden change in feelings.”She was still sobbing, trying to get her emotions under control, then finally looked at me and said, “Mark. They found a growth on one of my ovaries today. After the Pelvic exam, she did and ultrasound and found it. They want me to see a specialist next Tuesday then do some testing.” then started crying again. This time she let me pull her towards me. I knew this isn't good, but this is also something that can be taken care of. I had a cousin once have something similar to this and they removed a cyst the size of an egg from her, and she was fine then.“It's  okay Carrie. I'm sure it's nothing that medicine or an operation can't take care of.” I told her.“And what if it isn't Mark? What if it is cancer. Why should you be saddled with that in your life. We've known each other not even two fucking weeks. Although the best two weeks of my life. But this is not something you need to be part of. Your best bet is to turn around, walk away and get on with your life, like I never existed.” and started crying again.I pulled her into me again and held her tight. Her head was buried in my shoulder, and I caressed her hair and let her cry. I mean, if I was in her position, I'd probably tell her the same things. But I may not know her completely, but what I know of her already, she has a fierce loyalty to people she cares for and loves, and I know she wouldn't walk away either.After letting her sob some more, I gently moved her back, and away from me, so I could speak to her. “Sweetheart. There is no way I am letting you do this alone. Granted, we have only known each other for two weeks, but in these two weeks, you have captured my heart with every fiber of your being. I am in love with you Missy. People who love one another don't turn tail and run because of something traumatic happens to the other person. You stand with them, be their support and showed them love, for that is the only thing that can help get you through this. I have been a Marine for all of my adult life and one thing that is ingrained in us, from the time of our first day in boot camp, is that you never let the man next to you, or when you are a sergeant, your platoon, you never abandon them. No man is ever left behind. You're wounded Honey, so I will not leave you behind, so get used to that. When this is all over and you still feel this way, then you can tell me to hit the bricks.”She just stared at me, and while trying to compose herself, she gripped my hand in hers. “It's not fair to you Mark. What if it is cancer and it can't be fixed, then what? You going to just wait around and watch me die? You could be out finding that right person, instead of babysitting me.”“Stop it Carrie. You have no idea what it is. It could be a simple cyst, that meds could take care of. But one thing I do know, I will be with you this Tuesday, and any other day you need to have something done. I will be the first person you see when you wake up. But I will be there and I will always be there for you. I love you.”“Mark. It's not fair.” she shouted, then started crying again. “You're right. It's not fair. But who said life is. But I am not walking away. In fact I am more in love with you now, than I was 20 minutes ago. I don't know about you, but I have every intention of growing old with you. We have too much to do with our lives. So baby doll, I am not leaving you, Not ever.”“Carrie. Do you love me?” I asked. “Damn you Jarhead. You know I do.” she said. “Good. Don't you ever hold back something like this again from me. I won't either from you. But Babe, we can only help one another if we are open and honest with each other. Why don't you go get ready for bed. I'm not going home tonight, but I will sleep on the couch.”She shook her head and got up. As she did, she reached for my hand, “You are not, nor will you ever sleep on the couch. Your place is beside me in bed. I'm so sorry for ever thinking you would want out of this. I do love you Mark. More than you will ever know”She led me up the stairs to her bedroom. We both stripped off of our clothes. I had on the white silk boxers she got me. She put on this long t-shirt with a Minion on the front. She looked cute. We both used her bathroom then climbed into bed, where she snuggled up to me and let me hold her close. Her head rested on my chest.“Mark?” she said softly. “Carrie?” I answered back. “I am sorry. I promise never to do that to you again. I'm also sorry I was a Debbie Downer tonight at dinner, and even before. I'm sure Jenny could tell something was wrong.”“Oh yeah she could. She thought that you and I had an argument. Your daughter is quite perceptive. After meeting her now, I have to say, you two do favor one another. Alan is one lucky man and judging how he dotes on her, he knows it too. They do make a nice couple. I just hope I made a good impression with her. I wasn't to talkative tonight.”“Well, I think you'll get a few more chances this weekend to really win her over. But I can tell she likes you already. If she talks a lot, she likes you. Had she just sat there and not talked much, then that means she doesn't want anything to do with you.”“You know, last night, I was so lonely without you next to me. I hugged my pillow thinking it was you. Except your body is a bit more muscular. I had so many plans for tonight, with us ending the night in bed making love. I want too, but I don't want to do that until we know what is going on down there.”My hand was stroking her back, when I said, “I don't know about you, but this is making love Baby. I'm not in this for the sex. I'm in this because of love. Holding you close, telling our feelings to each other, that is true love making in my book. I'm not too good with stuff like this, but I have never felt this way for another human being. We'll have plenty of time for lovemaking, and dare I say, some naughty sex.”She snuggled even closer and let her hand rub on my chest and belly. “Thank You. You make me feel so loved. I love you Mark. Oh and I like what you wore under your pants. You do look sexy in these boxers.”“I love you too Carolyn. Now get some sleep. We have a long weekend ahead of us. That is if you want me around all the time.”“Of course I want you around the whole time. Not sure about sleeping together. Daddy may have a hard time with that one.” then giggled.Chapter 19.In the morning we agreed to take separate showers instead of together. We both agreed it would be too tempting, had we gone in together. She did tease me though by removing her shirt and slowly saunter into the bathroom, giggling the whole way. I would say My Carrie was back.Her parents flight was due in at 4pm. I told Carrie I needed to catch up on a few things at the house, but would be back in time to go with her to pick them up. She must have texted me twenty times, just saying I love you. That made me feel good.I picked Carrie up at 3pm and went to the airport to meet her parents. She was very happy today. A far cry from yesterday's somber mood she was in. She was wearing a maroon cashmere sweater and black slacks. I too had black slacks on and a blue crew neck sweater. The whole trip there she held my hand, as she did once we were there and waited.Like all airports now, you had to wait down in the baggage area. It took about 10 minutes after their plane arrived, before we saw them coming down the escalator. Once Carrie spotted them, she pulled me along until they were on top of us, and went and hugged her mom, then her dad.Then Mrs. Reynolds gave me a hug and a kiss, and said I still looked like I did when we met in Norfolk all those years ago. Chief shook my hand then said, “You ain't giving me no damn hug son.” I just laughed and told him, “Not in your life you crotchety old bastard.” which made us all laugh.After arriving back at Carrie's, we saw that Jenny was there waiting for us. Alan was with her, but I could see the tension in his face. The old man did scare the shit out of him. I took him aside and told him, just to relax, but show no sign of fear to the chief. He eats that shit up. He sort of laughed and said, oh sure, easier said than done Mr. Roberts. I told him for now on, call me Mark. Save the mister for the other guy.We all then went to dinner, after the couple relaxed a bit after their flight. It was one of those chain restaurants. We all had a good time and of course, Chief had to regale us with stories when I was aboard the Lincoln. That's when Jenny asked about the “don't shit where you eat comment”, but cleaned it up some because of her mom and grandma there. Chief went on to explain about this one newly appointed petty officer I had an eye on. After he finished, everyone laughed, only because he made sound more colorful than it actually was.After we got back to Carrie's, the girls busied themselves in the kitchen, leaving myself, Alan, and the Chief alone in the living room. I could see Alan was a bit apprehensive about being in there. I'm sure he was never prepared for anything like this in college.  “okay you two Shitbirds.” chief started out. “Those three fine ladies in there mean the world to me. And two of them, for some ungodly reason happen to like you two. All I ever wanted for those two is complete happiness. If you can't give them that, leave now, otherwise, I need a promise to never ever hurt them, no matter what.”“You have my word on that Chief. Never doubt that.” I said, as the chief then nodded once to me. Alan then looked at him and said, “Sir, my only intention is to make Jenny happy, so I promise.” Chief just glared at him. Alan was unsure of what he said, but knew he didn't like something. I looked at Alan and said, “Alan. Relax. Just don't call Mr. Reynolds sir. Non Com's, noncommissioned officers, like we both were, do not like getting called sir, by anyone. And Chief, chill out, he isn't military.”Chief just chuckled. “Yeah, and don't call me Mr. Reynolds. Makes me feel old. Call me John for now on, or at least until you guys make it legal between those gals in there, then we'll figure out what you call me then. And Alan, you did good kid. You didn't break, like so many Seaman have, right out of boot camp.” then just smiled.Just then the girls came back from the kitchen with drinks. From that point on, the mood was light and cheerful. I just sat back and watched how this family interacted. They are like most families, I guess. Since it is just my sister and myself, except for an uncle and aunt and three cousin's, I really couldn't tell you what a big family is like. Mine though, is quite boisterous and not afraid of speaking their minds on any subject.About an hour went by when Jenny and Alan said their goodbye's. They were going to the football game the next afternoon and wanted to get some sleep. We sat up a bit more with John and Connie, telling a lot of what we did up in the mountains. Well, not everything, or I am sure, he'd have killed me by now.I was getting up, so I could make my leave too, when Carrie asked me to join her in the kitchen. I had no idea what she wanted, but went with the flow and followed her in.“I don't want you going back to your place tonight. You are sleeping with me, unless you don't want too.” she said, giving me her little pouty face she likes to do now and then.“I'm not sure how your parents will feel about that. I don't want to cause any trouble for you, or me either.”Carried just chuckled, “Don't worry about them. I am 41 you know. Plus, me and mom talked out here. She knows you and I have slept together from almost the beginning of us meeting. She is fine with it, and she'll take care of dad. As she put it, “That boy is over the moon for you Honey. Treat him good and he'll treat you like a queen.” So don't worry. But, we can't play around. That would be too weird.” and we both laughed softly at that.Carrie then grabbed my hand and walked towards the stairs, to go upstairs. “Night you two” she said as she passed by them. Her mom said night, but Chief just grunted something. I am pretty sure I will get an earful, next time we are alone.Once in the bedroom, Carrie went to her dresser and opened a drawer, pulled out pajamas. They were blue, red, and white checkerboard style print. She said she went shopping today and got these. She is wearing the top and the bottoms were for me. She stripped down to just her panties, which for once, were not thong style. She still looked sexy as all get out. I stripped too to my boxers and t-shirt. She then went to the bathroom and came out a few minutes later. I followed suit and did my business. She let me know there was a toothbrush on the sink for me, that she just got too.When I came back out, she was already in bed and awaited me. I crawled in next to her. We kissed and held each other close. Like I said when the first time we slept in a bed together, I could definitely get used to this.“Mark Honey. I need to apologize for yesterday. I was so wrong to try and push you away from me. I would have been crushed had you just said  okay, and left. But you didn't. That told me right there how much you love me. So thank you for being here for me. I love you Mark. It grows stronger every minute of the day. I wish right now we could make love, but until I know what is really up with this, we're going to have to take a rest from that. I hope you understand.”I leaned in and kissed her forehead and pulled her tighter to me. God, I love the way she feels.“Sweetheart, you need not apologize for anything. It has to be a shock to you, that is for sure. But, I will always be there for you, no matter what. We'll see this through, together. As for making love right now. This is making love, I believe. The sex is just the icing on the cake, so to speak. Plus, if you think I would have sex with you, with your parents just down the hall, you are crazy.”Carrie was just about to say something, when we both heard a light thumping sound. I started to chuckle, but Carrie said shush. It was definitely a rhythm thump going on.I chuckled and said, “You're kidding right?” Carrie laughed quietly and said, “Oh yeah. I think dad and mom are doing the horizontal hula. Trust me Hun. As far back as I can remember, they are one horny couple. I hope when I am their age, I still want it that much.”Carrie's hand reached under the waistband of my bottoms and boxers and started playing with Mr. happy. “God, I wish this was inside me now. “ She stroked it a few times so it was now almost hard. Then she rolled over on her side, so we could spoon. I too lay on my side and pulled her into me, so our bodies melded together. My hardness nestled up against her beautiful ass, which she then wiggled a bit. My arm lay over her and rested on her tummy. She took that hand and brought up, and inside her top and placed it on her one tit. My hand instantly enveloped her tit and held it gently. “God. I love your hand there” she cooed. “Night Mark. I love you” “I love you too Carrie”To be continued, by T. Foxal.

Carrie and Mark settle in to everyday life.by T. Foxal. Listen to the ► Podcast at Connected.“Oh Mark. I have never been made love to like that ever. It was perfect. Everything you have done so far has been perfect for me. I don't think you have one selfish bone in your body. I need to know though, are you scared of all of this?”“Carrie, I have never been more scared in my life. Not even over in the sandpit, with bullets flying all around. Had you not said I love you back to me, when I made my declaration, I would have been crushed. I've never, ever let anyone into my heart, like I have let you in. Am I scared now? A little. I know you said it the other night. Well, you told me to catch up with you because you were already there. But over time, I thought you may have some misgivings for saying, since we were in the heat of the moment then. But all the little things you have been doing, or saying, led me to believe you really were. And, I wanted to make it special for you. This whole day when you weren't around me, all I could think of was you. I wondered what you were thinking when you took your bath before, or what you were doing and thinking when you left this morning. Let's face it, we haven't been alone with our own thoughts for a week now.”She leaned in and kissed me lightly on the lips, then said, “Mark. I knew from that first kiss. Then when we made love the first time, I was in heaven. It wasn't sex between us. It was more. Since that time, we have done nothing but make love and my heart races every time I see you. I was so scared when I said that the other night. Did I push you away from me? Would you just say, screw this, I'm outta here. But the big thing for me was when we were at the winery, and you went up to the bar to get us those samples. Your eyes smiled at me the whole time. You didn't even look at that girl, who I thought was really hot, but just kept looking at me. You made love to me right then. Am I scared. Yes. I want this more than anything, but I don't want to be hurt again. I lived that. But, you are not him. You are so much more than he could ever be. I was eye candy for him, and a fuck, and nothing more. My heart is now yours, please don't hurt it.”I rolled to my side and looked deep into her hazel eyes, then kissed her. “You know what turned me on the most today?” “No, Baby, I don't” “When I saw you after you came back from your day in town. My God, you looked so sexy and stunning to me. You are such a beautiful woman, and not just physically, but all around. I wanted to take you then, but then that would have downplayed this evening. I never tried to be romantic with anyone before, and I so wanted to seduce you tonight.”She giggled. “Well Mr. Marine. You succeeded in every way tonight. I'll tell you. When I saw the robe, then the candles lit by the bathtub, I got super horny. I wanted you so bad then. Then when I shaved down there, I felt incredibly sexy. I even came after that. But when we took off our robes and I saw you in those boxers, I damn near raped you. But dancing really did me in. I almost told you then I loved you. But I am glad I waited now.”As she talked, her hand was now on my cock, stroking it back to life. When I was hard again, she leaned in and kissed me, then pushed me to my back. She kneeled and straddled me and slowly sat down on me, engulfing me with her velvet like inner walls of her sex.“Baby?” she whispered. “This has been an amazing night. But now I need to be a little naughty. A couple should be able to let loose some and enjoy sex too. I love lovemaking, but I also love to fuck Mark. But only with someone I want to give myself too, completely. I want to fuck your beautiful cock. I want to feel your cum spray deep inside me and, I want cum all over it. Fuck me Baby. Make me your Lover.”I arched my back up and drove in deep in her. “Oh Fuck. You are so deep.” She started moving up and down, faster and faster. “Oh god I love this. My favorite position too.”She leaned down and started smothering me with kisses. Moaning as we fucked. I did too. Her head slipped to the side of mine and whispered. “You like my tight little cunt, don't you Babe. Your cock is a perfect fit for it. My cunt loves your cock. Oh God Mark. ““Oh God Babe. Your cunt is so tight. I love it and always will. Fuck me Carrie.”She sat up and started grinding hard on me now. Neither of us was going to last long. I sat up and took her one tit in my mouth and sucked hard.“Oh Christ. Suck my tits Baby. I Love that so much”She started pounding me harder now, as I continued sucking it, then switched to the other. Her arm went behind my head and pulled me in tighter. My hands were holding her luscious ass as I did this. My one hand went exploring and touched her ass, which made her moan really loud. I slipped it down to her cunt and got it wet as the finger rubbed against her lips and my cock. Then I brought it up to her brown hole and slipped it in.“Oh Fuck Baby. Yes. God I love you”She started cumming a minute later. Her head and body shook as she came hard, but somehow, she maintain the rhythm we had going. I was now getting close myself and could feel my balls tighten up, signaling my impending orgasm. “Oh Shit Carrie, I'm going to cum” I yelled out.She slammed down one last time, and then jumped off. Her mouth was over my cock in no time and was starting to suck me, when I erupted in her mouth. I had to have shot 5 or 6 good ropes into her hungry mouth. She didn't spill a drop, except at the end, a little dribbled out the side.She was kneeling now, getting ready to wipe her mouth, when I grabbed her wrist and gently pulled her to me and I licked it off of her face and then kissed her. The kiss was so hot and passionate. We were lost in that kiss for minutes, until she broke away, panting hard.We both lay on our backs now, still in a euphoric bliss from our love making. Carrie was very quiet. At first I thought she fell asleep, until I felt her hand grasp mine and squeeze it.“Are you  okay Carrie?”, I asked. “Actually, I am on cloud nine, as they say. I've never been made love too, like this, then opening up and letting go like that. I just hope you don't think I am some sort of slut. I want to explore all there is with you sexually and lovingly too.”“Babe. You are hardly a slut. Sex to me, is supposed to be fun too. You were amazing. But our love making, well, it's beyond words. To me, you are an angel. Quite the lady too. In bed, we can do whatever we please, as long as we both agree on whatever we do. One thing though, I can never share you with anyone. I don't believe I get jealous, but I could never share you with anyone, man or woman. I knew a couple in the service that did that. Got into swinging. No way. Not with someone I love and respect, like I do you. But just so you know, I really enjoyed the naughty Carrie. She is fun.”“Umm.. I may have to let her out more often then. Cuz naughty Markie, was turning me on too. But, you will never have to fear me wanting another. I am quite happy with who I am with. I will never deny you in bed either. Except, when I am sick, or you are sick. Sex just doesn't seem like fun then. But that's about it.”“Yeah, being sick and wanting sex, just doesn't seem to go hand in hand. I will never deny you as well. But, I'm a guy, so the prospect of me saying no is quite low.”She giggled, then said, “Well. Mister. You better never hold out in the oral department anymore. Oh Christ. That was unbelievable. I could take that all day long. And, I love giving too. I love how you taste.”“You're turning me on again Honey. How do you feel right now?” I asked“Horny” she giggled then. “Honestly. And don't freak when I say this. But I feel as though I am on a Honeymoon and you took your virgin bride to sexual highs she never knew existed.”I did chuckle. “Nothing wrong with that. To me, you are a virgin, or at least were. I don't care about your past. You are my first, and dare I say, only love for me.”“I like that” she replied. Then said, “Where do you see us in a year?”“Honestly. I never look to the future too much. But, I have been lately. I hope that you will be with me in a year, and maybe, just maybe, if you haven't tired of my Jarhead ass, we are right back here, spending it as a true honeymoon”She folded into my arms and kissed my cheek. “I think that could be a real possibility. This Squid actually has thought about it, and she doesn't think she'll ever tire of you. Piss me off at times, Yes, but never tire.”I then laughed, and she asked what was funny. “God, if your Dad could see us right now. He'd hang me.”“Nah. He knows I like you a great deal. He doesn't know we professed love yet. But he does like you, Mom told me that. Jenny knows too. I talked with her this morning. I sent her a selfie, after I got my hair done. She called right after seeing it. Then she starts out by saying, “Damn Mom, you look hot. I think someone is in love.” She's a pretty smart girl actually. I was supposed to face time with her earlier, but someone had me a tad busy. She wants to see you and talk with you.”“Oh great. She's the one person that scares me the most, and I want on my side. More so, than even your parents. Go ahead and call her now. It's only 10pm.”She giggled again. “Uh No. We better wait until tomorrow. This is the first time her and her boyfriend Alan have been alone for a long time. He was with his family last weekend. They have dated for a year now, so I am pretty sure, they are in the same place you and I are right now, naked and in bed.”“You  okay with that? I asked. “Oh yes. I like him a lot. He treats her with so much respect and I know they love one another. He's a good kid and dotes after Jenny. His world revolves around her. He is studying to become a food scientist. If they can last the ups and downs of college and still remain in love, I could easily see them married one day. Only time will tell. And don't worry about her liking you, she will. She knows I do, and so far have made me extremely happy.”She got up then and walked to the bathroom. Then came back with our robes. “Let's go cuddle on the couch, enjoy some wine and TV, before we call it a night.” And so we did.Chapter 15.It was morning now, almost 8:30. I never sleep this late. The only reason I was up was because I had to pee so bad. Carrie was still sound asleep. She was curled up and looked so peaceful. My thought was, “What in God's name does she see in me. I'm nobody special. Yes, I am in good shape and I do treat her with respect, but she is absolutely beautiful and had I known of her, somewhere else, I would have never even attempted to approach her. I wasn't in her league, or so I thought”But here I am, one week after meeting her, and totally in love. I could not even fathom life without her in it. But reality would soon be creeping up on us. I knew she would be leaving mid-week. Would this all end after she left, and had time to really think this through? Only time will tell.I padded to the kitchen and made coffee. As it brewed I stood looking out the back door window. The skies were an ugly gray. Rain was falling. We knew this was coming, after viewing the weather report last night. Today and tomorrow, rain.I then toasted a few bagels, and got out the cream cheese. Made us both coffee, and took it to the bedroom. As I walked in, Carrie was yawning and stretching. Her tit were in plain view, and look so delicious to me. She sat up, not bothering to cover up. “Good sign” I thought.“Good Morning Sweetheart. I thought you may enjoy some breakfast in bed” I said to her.“Oh Wow. I could definitely get used to this. Especially if you lose that robe.”We sat and enjoyed our breakfast. We also started talking about this coming week. Since it was raining today, we decided to go into town and take in a movie and then dinner at some restaurant. On Monday, we were to hike Algonquin Peak, but if it is raining, we'll need to find something else to do.She then said, “You know I leave Wednesday. I have a doctor's appointment on Thursday that I made months ago, and I can't reschedule. It just takes so long to get in to see her.”“I know you were leaving then. But, I also am going to leave that day, with you. No sense hanging around here. Be bored to death, and I know me, all I'll think of is you the whole time.”“Awe. You are so sweet to me. But this is your vacation and you had it all planned out. Stay and at least hike some more of these mountains. I'll feel bad if you miss out on that.” she said with a pouty face.I just smiled at her and told her no, it was best I do head home. I had some major cleaning to do at my place. The house I have is actually an older farm house that was my grandparents. My grandmother outlived my mom and when she died, it was left to me and Ann. Ann didn't want it, so to be fair, I paid her the half she would have received, if we had sold it.The house was nice, but very outdated. Even the furniture was from the 60's. To me, it was cool, but my needs are simple. Ann has been bugging me for almost a year now to at least get some new furniture, if not update the whole place. My office is actually the dining room.I tell you this because I have never brought anyone there, especially a date. So bringing Carrie there, as it looks right now, is totally out of the question. As I told her this, she just laughed. She asked if I keep it clean, or was I a typical guy, and let things go until I can't stand it anymore. I told her I always keep it clean, it's just very outdated.“You big lug, I don't care about stuff like that. I will care if it smells like the gym on board a ship smells like. That is so gross.” and we both laughed.We finished our coffee and bagels, and set our cups and napkins on the nightstand. She pulled the cover down and asked me to slide in. We started kissing and making out some, when her phone rang. “Perfect timing” I thought. She looked at the phone and said, “It's Jenny. Hope all is alright. She is never up this early.”“She hit some button and I saw Jenny's face appear on the screen. Luckily, Carrie had the sheet up above her tit, and I was safely off to the side.“Hi Sweetheart”“Hi Mom. Hope I am not disturbing you.”“No Sweetie. You're good. We were just having breakfast.”“Oh. In bed too. I take it Marine guy is nearby.”Carrie laughed, “If you must know young Jen, he is right here, and his name is Mark, not Marine guy. But you knew that” “Hey just giving you a hard time. Hi Mark.” Carrie moved the phone over to where I could see her and she see me. I had just put the robe back on, so I was decent.“Hi Jenny. Very nice to meet you. I must say, you are as pretty as your mother.”Jen smiled; “Thank you. I hope to get to meet you when you two get back from your little vacation.”“I would say that is a very good possibility, unless your Mom gets rid of me by then. Lots of mountain tops she could push me off of, up here.” I said with a laugh.Carrie turned the phone back to her and said, “What did you two do this weekend? Is Alan still there?”Jen smiled this sly smile “Yeah. He is still asleep. We went to dinner and a late movie, then came back here. The main reason I am calling is that Papa called a bit ago, or I'd be sleeping too. He and grandma are coming up next weekend”My eyes got real big, but Carrie just chuckled, “That's great. When are they coming in?”“Friday evening, and staying here for a few days, then going to aunty Bev's for a few days. And Mark. Papa had a message for you. “Don't crap where you eat son.” He said you'd understand completely.”I just shook my head. Great. He's gonna shit when he hears his daughter and I are now dating.Carrie was laughing now. Jen wanted to know what that was about. Carrie said she'd tell her when she sees her this week. They carried on for a few more minutes as Jen filled her in on stuff. Now Jen did look somewhat similar to her mom, from what I could see on the phone. That same light caramel color, with long flowing brown hair, and a gorgeous smile. Alan should consider himself a very lucky man. They signed off then after saying goodbye's and Jen saying bye to me too, telling me to take very good care of her mother, or else.I asked, “Are you sure she isn't your blood daughter? You two look so much alike.”“I wish she was. But No. Her parents were Puerto Rican, so the skin color is close. She shorted too, only 5 foot 3. She is an angel. You think Dad dotes over me? Wait till you see him around Jenny. I feel bad for Alan. He's met Dad twice now and is scared shitless of him. But Daddy wants only the best for his girls.”“Yeah, well, I am wondering now what is he going to say about us being together. He still scares the shit out of me.”She laughed, “Oh I don't know. I'll let you know after I tell him how you been having your way with me this whole week.” then laughed some more. She then opened his robe, grabbed his semi stiff member and stroke it.She giggled, the looked at him and stated, “Umm, I wonder what he'd say if he knew I was doing this.”, as she lowered her head to my manhood and sucked the head in.“Oh God Carrie.”The PromiseCarrie and Mark settle in to everyday life, once they return from their week and a half camping and hiking trip, after finding love in those mountains.I asked, “Are you sure she isn't your blood daughter? You two look so much alike.”“I wish she was. But No. Her parents were Puerto Rican, so the skin color is close. She shorter too, only 5 foot 3.. She is an angel. You think Dad dotes over me? Wait till you see him around Jenny. I feel bad for Alan. He's met Dad twice now and is scared shitless of him. But Daddy wants only the best for his girls.”“Yeah, well, I am wondering now what is he going to say about us being together. He still scares the shit out of me.”She laughed, “Oh I don't know. I'll let you know after I tell him how you been having your way with me this whole week.” then laughed some more. She then opened my robe, grabbed my semi stiff member and stroke it.She giggled, the looked at him and stated, “Umm, I wonder what he'd say if he knew I was doing this.”, as she lowered her head to my manhood and sucked the head in.“Oh God Carrie.”Chapter 16.The rest of that day, and into Monday, it did nothing but rain. So exploring any of the mountain tops was curtailed. We pretty much hung around the cabin in just our robes that day. The only time we dressed was to go to dinner, down into town. Neither of us felt like cooking. It was very hard for me to resist getting Carrie naked and just making love all day, but she needed to know that our relationship, that we both professed our love for each other, was more than just a physical thing, but also emotional.You see Carrie is a very beautiful woman. She is 5 foot 7, 130 pounds, with caramel colored skin, almost like Halle Berry skin tone. Her hair is short now too, with blonde highlights mixed in with her brown hair. Totally sexy in my eyes. She has amazing legs that are long and toned and a great ass. What turns me on the most is her tits. They are a large A, or small B cup. I love a woman with small tits.I am 5 foot 10, 175 pounds, and been told by many, a handsome man. I keep in shape, and that is because after spending 20 years in the Marines, you get used to working out. It's just ingrained into your fabric. I was single too, for all of those years. Never had a serious relationship, except for a semi one, back in my 20's, when I lived with a girl for a few months. But she didn't enjoy my deployments too much and wanted more. It was mostly a sex thing for us, and a place for us both to crash, when we were screwing.But now, a week and a half later, I am totally in love with this goddess, and she with me as well. What is funny too, I know her parents, or to be more specific, her father. He was a Master Chief in the Navy, and was on the aircraft Carrier Lincoln at the same time I was, years ago, when I was a Staff Sergeant in the Marines. Great guy too, but could scare the hell out of you. Carrie too, was in the Navy back then, but I do not think we ever crossed paths, since she worked on base, and, was also married back then to a Seal, which she now divorced from.Like I said earlier, we only got dressed that Sunday for dinner, then that Monday, a day we were supposed to visit another Adirondacks peak, it rained as well. We did go driving around and admired the countryside and had a fine dinner at the Italian restaurant we found the previous week.Then on Tuesday, we decided to go horseback riding. We found a place about 20 minutes from the cabin, near Lake Clear. We had a great time exploring the area by horseback. I have to admit, my ass was quite sore by the time we got through, as was Carrie's. There was a few times I would hang back, behind her and admire her ass as it bounced up and down in the saddle.She looked back one time and caught me. “God, don't you ever tire of looking at my big ass?”I just chuckled and told her, “Hell No. I love your ass, and it is hardly big. Remind me later to massage it for you, because if mine is sore, I know yours has to be.”“Maybe I will let you. Not sure if I want you touching it later. Now get up her next to me.” then whispered to me, after I got close, “You be a good boy, and I'll let you see it naked later.”, then laughed and rode away from me.After our ride, we stopped in this tavern that also featured home cooked meals. We both decided on burgers and fries. Normally, we both try to stay away from fried foods, but, as we both found out from talking, we like to cheat on occasion.By the time we got back to the cabin, nighttime was upon us and this was our last night together. I know we both pledged our love to one another, but after tonight, she may get a dose of reality when she got back home, and say, “No way” to being in a relationship. For me, I was all in. I never wanted anything more in my life, than to be with this beautiful, smart, witty and energetic woman.After getting into the cabin, I started a fire in the fireplace and Carrie went off to the bedroom, to get ready to shower. After I had a nice fire going, she came out in her robe and asked me to join her. As we washed each other down, removing the horse smell from our bodies, we kissed and held each other. We both took turns drying each other, then donned our robes and made our way to the couch. Before I sat down, I went and got us each a glass of wine.“Mark?” she said, and I looked at her. She had a tear on her cheek, for which I lightly brushed away. “What's wrong Honey?” I asked.“This is our last night here. This has been the best vacation I have ever experienced. Had you told me two weeks ago that I would meet the man of my dreams, I would have said you are so full of shit. But here I am, sitting next to you. I am so in love with you and I am also scared silly about tomorrow.” she explainedI knew what she meant, when she said she is scared. I am too. We get back to our real lives and the fantasy just fades away. She was deeply hurt all those years ago and opening up and allowing someone in, has to be tough for her to do. For me, it is a new experience. One I have never had before. If it does end, it will hurt, but I know I can move on from it, I think.“Carrie. I'm scared too. Once we are home and reality sets in for you, you may say, screw this. I have never opened up to anyone in my life, except for you. I just hope that you will grow with me. I'm going to make mistakes. You may want something, but I'm too stupid to know and understand, but like anything in life, you learn. One thing I will promise you and this is I will always be true to only you. I love you and will never do anything to hurt you.”“Oh Mark. No man has ever made me feel this way. We'll take each day as it comes and just know I will never hurt you as well. But be forewarned now, I can get bitchy. I don't mean to be, but it happens and when it does, just leave me be, and I will be fine. I think the hardest part of tomorrow is going to be not being with you, especially at night. After a week of sharing a bed together, and feeling so close to you, it is going to suck not having your arms around me tomorrow night, or this weekend. If I didn't have that appointment Thursday, I'd let you stay with me tomorrow, but I know us, we make love, and since this is a gynecologist I am seeing, sex wouldn't be the most prudent thing for me to do. And then this weekend, with my parents in town, I'm not sure what they'd say about us sleeping together.”I laughed, “Yeah, I could just see the look on your dad's face when we told them goodnight and padded off to bed. As for sex. We don't always have to have it you know. I mean I'll never turn it down, but I also know there is more to us than just sex. But tomorrow after we get home, and then at night, we'll probably both be too tired to do anything. Plus, like I said, I need to straighten up the place. One thing though. On Thursday, I would like to take you and Jenny to dinner, Alan too. That way, she has someone there who she is comfortable with, just in case she can't stand me.”“Oh Stop. She is going to love you. I'll call her tomorrow and set it up. Now! Take me to bed for the last time here and hold me Baby. I want to fall asleep in your arms.”Chapter 17.We got up early for some reason, and took a shower together. I still marvel at this exceptionally beautiful woman. She makes my heart race anytime I am near here. And when we are naked, it quadruples in magnitude. We did not have sex, but we did hold and caress each other until the water started turning cold.We were then packed and on our way home. She drove in front of me for the next 4 hours. We did talk on the phone a couple of times. The last time was just before my exit, which is a couple before hers. I called her and told her I would call her later and that I loved her. I could hear in her voice, a hitch, just like I had in mine. I missed her already and I had just exited from the roadway.Once I was home, I did a load of laundry, then went and started dusting and vacuuming the place. Not a thing I do a lot of. Of course my sister always comes over and does it at times, and bitches me out when she does. I then cut the grass, which was needed after two weeks of not touching it. It takes two hours to cut this lawn, and that's with a tractor. While I was cutting, I did miss a call from Carrie. She also texted me, just saying she was thinking of me and loved me. I texted back apologizing that I didn't answer her and explained why, and that I would call her later.We did talk around 6 that evening. She too was busy with housework and laundry. She strip the beds, not knowing which bed Jenny and Alan slept in. I had to laugh at that. She chuckled too but said, “It's one thing to sleep in our wet spot, but I'm surely not sleeping in theirs.” Which made me laugh hard.About 10 that night, I called her. She was lying in bed, reading a book. She conveyed to me that Jenny was ecstatic over meeting us for dinner and really happy I had included Alan. They were going to meet us at Carrie's at 6pm tomorrow. I told Carrie we would try Delmonico's Steakhouse, which was kind of close to her.She chuckled and said, “Oh fancy place. You know, you don't have to take us there. There's a nice restaurant right down the street from us.”“That's cool. But I want too. How many college kids can go to a place like this. Plus I have always wanted to try it, but, I'm not going alone. Ann said the food is excellent there.”“Speaking of Ann, did you call her and inform her that you are bringing someone Sunday?” she asked.“Oh yeah. She is so excited now. She can't wait to meet you. I told her that your parents were going to be in from Florida and I didn't know what plans they had that day. She said to bring them along too. The more the merrier.”Carried giggled, then said, “I don't know if your sister has a clue what Dad can be like. Just don't bring up politics. He thinks they are all thieves and liars.” which made me laugh.Then she got quiet. “Anything wrong? You are quiet now “ She sighed, “No, just missing lying next to you, with your arms around me. I feel so safe then. I love you Mark”“I love you too, Carolyn, and I do miss being with you. It was a very long day without you near me.” I told her.“It was a long day for me as well. I don't know how or why this happened between us, but I am so happy that you are in my life now. Maybe tomorrow night, you can spend it here with me, if you want too.” she said.“I think that can be arranged. You know what I do miss? You calling me Jarhead. When you say it, it means something to me.”“I told you, after last weekend, I was done calling you that, but if you insist, I'll just call you JH.”“I insist Squid. Now get some sleep. Just know, I love you Carrie and I am holding you in my dreams tonight.”Chapter 18.I knew Carrie had an appointment at 11am, so I didn't want to bother her, but did send her a text, after I got up and said good morning and I love you. She replied instantly to it, saying she was about to shower and get ready and she loved me too.I was pretty proud of myself. I dusted and swept the whole house. Not that I am a slob, but those are two jobs I really don't enjoy doing. Hell, living alone and never having people over, except for my sister, afforded me the luxury of not caring too much to do that. But with Carrie in my life, I guess I need to change my way of thinking.I then immersed myself in a project that I had been working on for this one company. I needed to do something to keep my mind occupied, since I would not be seeing her until later in the afternoon. I was surprised though, that by 3pm, I hadn't heard anything from her. I hope all went well with her doc appointment.I had told her that I would be over by 5:30, so we could spend some time alone, before Jenny and Alan showed up. By 4:30, I was shaved, and showered, then dressed for the evening. Since it was cool out, I wore dark blue pants, and lighter blue shirt, with a dark blue sport coat. I wanted to look good for when I met Jenny, and convey, I'm not some unkempt slob, who was dating her mother. I'm generally a jeans and t-shirt, or sweatshirt, kind of guy.I couldn't stand the wait any longer and decided to arrive a bit sooner. I got to her house at 5:15, so just a little bit early. After ringing the doorbell a few times, Carrie finally opened the door. Although she smiled when she let me in, I could tell something was amiss with her. After a brief hug and quick kiss on the lips, we stood back from one another.Carrie was wearing a burgundy pleated dress. It came to just above the knees. The neckline plunged just a bit, with white lace around the edges, with short sleeves as well. She looked radiant.“Wow. You look absolutely beautiful Sweetie.” I told her. She just said thanks, but that was it. Then said she had to finish getting ready. My antennae was now up. I could sense something was wrong. This girl was always so bubbly, and that definitely was not the case now. So I just walked around her living room, looking at pictures on the wall of Jenny, and her parents, and some people I had no clue of who they were. Then just took a seat and waited for her.For me, this was something new. I did not know what to say or do. Did I do something wrong, that may have upset her? Who knew, but this was not the Carrie I just spent almost two weeks with, had fun with, and made love too on many occasions. So I'm basically a fish out of water now. I made up my mind to just go with the flow, and when she is ready to talk, I'll be there, and hopefully, understand what is going on.Of course, my fear was she was going to end this between us. She had time to reflect and said that this wasn't worth it. If that is how she felt, then who was I to pursue it any further. I don't want to be with someone who did not want the same as me. Sitting there waiting, makes your mind think weird ass things, like I just did. Then again, maybe it wasn't anything and she is just having a bad day, or is nervous about me meeting Jenny.She finally emerged from wherever she was in her condo. When I saw her, she looked the same, so I have no idea what else she could have been doing. She walked into her kitchen and got a bottle of water, then asked if I wanted one too, which I kindly said no too.I finally got the courage to ask, “Is there something wrong?”She looked at me and had a sullen look on her face, then finally said “No. Guess I am just tired from all the prodding and poking today. I'm sorry I am not more upbeat.”I got up and went to her and wrapped my arms around her, “If you want to cancel tonight, that would be okay with me. We keep go out with them some other time, when you are feeling more up to it.”“No. No. I am fine. It will be fine. We'll go have a fun night with them. Jenny is so looking forward to meeting you.” she said, as she pulled away from me and went into the living room. “We'll talk later tonight, when we get back.”I knew from how she stated it, something was wrong. But, being a dumb man, I have no clue as to what. I didn't want to piss her off by asking questions. Maybe something at the doc's. I guess when she is ready, she will let me know. I walked up next to her and grabbed her hand, just to let her know I was there for her. At that point, her front door opened and in walked Jenny and Alan.Jenny was definitely a looker. I would say 5 foot 3, maybe 110 pounds, brown hair and eyes, and the cutest dimples. She did have bigger boobs than her mom, but since she was adopted, that made sense. But the irony of how much the two looked alike was uncanny. Alan was a good looking guy too. He had that German look to him. Blond hair, blue eyes, chiseled face and stood about 6 foot, but maybe weighed 170 pounds, if that.After making the introductions and some small talk, we left her condo and headed to dinner in my truck.At dinner, Carrie seemed to be her normal self. Well, at least the normal I had seen for the last two weeks. Jenny was regaling us with stories from her college life and some of things her and Alan had been doing of late, except for the sex part. I don't think Carrie, or myself, needed or wanted to know those details.As dinner was finally coming to an end, I had to admit, I was kind of quiet. I just let the three of them guide the evening and the conversation. Jenny did inquire what I actually did for a living, so I explained it to her. She was impressed, as was Alan. I tried not to let my concerns for Carrie, or our budding relationship ruin the evening. In my heart though, I had a bad feeling, this would be the last time I would see these three people.Near the end of dinner, Carrie announced that she needed to use the ladies room. Alan also said he need to use the facility, which then left just me and Jenny. I wasn't sure what to say to her, so I let her make the first move on talking.  “okay Mark. What's up with mom? Did you two have an argument or something?” Jenny asked.I shook my head, “Jenny. I have no idea what is wrong tonight. When I arrived this evening, she was down for some reason and won't tell me why. Yesterday we were fine, but ever since her doctor visit, she has changed. Maybe she has done some thinking and decided a relationship is not what she wants. Until she tells me, I am in the dark.”Jenny reached over and touched my arm. “I don't know either, but I do know that she and I talked last night for an hour and she is head over heels in love with you, and says you are with her as well. Are you Mark? Are you in love with my Mom?”“Nothing has changed for how I feel for your mother Jenny. I am in love with her. But, if she has had a change of heart, then I will abide by her wishes. Maybe we moved too fast. I don't know. To be honest Jenny. I have never been in love before, so this is a new territory for me. But if she had time to reflect now, and feels this isn't what she wants, well, I don't want to force anything like that on her. I just want her happy.”Jenny just shook her head, “I can't believe her mind could change like that. Something must be wrong and she just needs time to process it. Maybe you two can talk later. When we get back to my mom's, Alan and I are going to leave, and give you two some space to talk. Oh, and by the way, Papa really does like you. He thinks you are a good man.”Just as she said that, Carrie was walking back. Alan came a minute later. The waitress came around and asked if any of us wanted dessert, but we all begged off, since our meals were so filling.On the way home, Carrie was pretty quiet. In fact, you could probably cut the tension with a knife, that was between us. Jenny and Alan were pretty quiet too. I'd have done anything to hear some funny story either of them may have had right then.After arriving back at Carrie's condo, we all got out and Jenny said that they needed to get going. Carrie said she wished they could stay longer, but the kids said they had some homework they needed to finish up, but would see us this weekend. Of course my mind didn't think I would be involved with this family get together.As they left, Carrie turned and headed to her door, and I followed. Once inside, she asked if I wanted anything to drink, which I kindly declined. She went to the kitchen and got a bottle of water then rejoined me in the living room. I wanted to get this over with, so I started it off.  “okay Carolyn, please tell me what is wrong. I need to know.” I said in a somber voice.“Let's sit” she said, and we both did. She faced me and I could see a tear starting to form in her eye. My stomach became a knot now. My fears were now becoming reality, at least in my mind.“I wish I knew where to start, but I have to say, that no man has ever made me feel the way you make me feel. But I really think we need to step back and take a break for now.”, then she started crying. I reach for her, but she backed away. That made it feel like a knife was just plunged into my heart.“Carrie. How can you go from being so in love, to wanting to take a break, just like that. There is more than what you are telling me. So please tell me what has caused this sudden change in feelings.”She was still sobbing, trying to get her emotions under control, then finally looked at me and said, “Mark. They found a growth on one of my ovaries today. After the Pelvic exam, she did and ultrasound and found it. They want me to see a specialist next Tuesday then do some testing.” then started crying again. This time she let me pull her towards me. I knew this isn't good, but this is also something that can be taken care of. I had a cousin once have something similar to this and they removed a cyst the size of an egg from her, and she was fine then.“It's  okay Carrie. I'm sure it's nothing that medicine or an operation can't take care of.” I told her.“And what if it isn't Mark? What if it is cancer. Why should you be saddled with that in your life. We've known each other not even two fucking weeks. Although the best two weeks of my life. But this is not something you need to be part of. Your best bet is to turn around, walk away and get on with your life, like I never existed.” and started crying again.I pulled her into me again and held her tight. Her head was buried in my shoulder, and I caressed her hair and let her cry. I mean, if I was in her position, I'd probably tell her the same things. But I may not know her completely, but what I know of her already, she has a fierce loyalty to people she cares for and loves, and I know she wouldn't walk away either.After letting her sob some more, I gently moved her back, and away from me, so I could speak to her. “Sweetheart. There is no way I am letting you do this alone. Granted, we have only known each other for two weeks, but in these two weeks, you have captured my heart with every fiber of your being. I am in love with you Missy. People who love one another don't turn tail and run because of something traumatic happens to the other person. You stand with them, be their support and showed them love, for that is the only thing that can help get you through this. I have been a Marine for all of my adult life and one thing that is ingrained in us, from the time of our first day in boot camp, is that you never let the man next to you, or when you are a sergeant, your platoon, you never abandon them. No man is ever left behind. You're wounded Honey, so I will not leave you behind, so get used to that. When this is all over and you still feel this way, then you can tell me to hit the bricks.”She just stared at me, and while trying to compose herself, she gripped my hand in hers. “It's not fair to you Mark. What if it is cancer and it can't be fixed, then what? You going to just wait around and watch me die? You could be out finding that right person, instead of babysitting me.”“Stop it Carrie. You have no idea what it is. It could be a simple cyst, that meds could take care of. But one thing I do know, I will be with you this Tuesday, and any other day you need to have something done. I will be the first person you see when you wake up. But I will be there and I will always be there for you. I love you.”“Mark. It's not fair.” she shouted, then started crying again. “You're right. It's not fair. But who said life is. But I am not walking away. In fact I am more in love with you now, than I was 20 minutes ago. I don't know about you, but I have every intention of growing old with you. We have too much to do with our lives. So baby doll, I am not leaving you, Not ever.”“Carrie. Do you love me?” I asked. “Damn you Jarhead. You know I do.” she said. “Good. Don't you ever hold back something like this again from me. I won't either from you. But Babe, we can only help one another if we are open and honest with each other. Why don't you go get ready for bed. I'm not going home tonight, but I will sleep on the couch.”She shook her head and got up. As she did, she reached for my hand, “You are not, nor will you ever sleep on the couch. Your place is beside me in bed. I'm so sorry for ever thinking you would want out of this. I do love you Mark. More than you will ever know”She led me up the stairs to her bedroom. We both stripped off of our clothes. I had on the white silk boxers she got me. She put on this long t-shirt with a Minion on the front. She looked cute. We both used her bathroom then climbed into bed, where she snuggled up to me and let me hold her close. Her head rested on my chest.“Mark?” she said softly. “Carrie?” I answered back. “I am sorry. I promise never to do that to you again. I'm also sorry I was a Debbie Downer tonight at dinner, and even before. I'm sure Jenny could tell something was wrong.”“Oh yeah she could. She thought that you and I had an argument. Your daughter is quite perceptive. After meeting her now, I have to say, you two do favor one another. Alan is one lucky man and judging how he dotes on her, he knows it too. They do make a nice couple. I just hope I made a good impression with her. I wasn't to talkative tonight.”“Well, I think you'll get a few more chances this weekend to really win her over. But I can tell she likes you already. If she talks a lot, she likes you. Had she just sat there and not talked much, then that means she doesn't want anything to do with you.”“You know, last night, I was so lonely without you next to me. I hugged my pillow thinking it was you. Except your body is a bit more muscular. I had so many plans for tonight, with us ending the night in bed making love. I want too, but I don't want to do that until we know what is going on down there.”My hand was stroking her back, when I said, “I don't know about you, but this is making love Baby. I'm not in this for the sex. I'm in this because of love. Holding you close, telling our feelings to each other, that is true love making in my book. I'm not too good with stuff like this, but I have never felt this way for another human being. We'll have plenty of time for lovemaking, and dare I say, some naughty sex.”She snuggled even closer and let her hand rub on my chest and belly. “Thank You. You make me feel so loved. I love you Mark. Oh and I like what you wore under your pants. You do look sexy in these boxers.”“I love you too Carolyn. Now get some sleep. We have a long weekend ahead of us. That is if you want me around all the time.”“Of course I want you around the whole time. Not sure about sleeping together. Daddy may have a hard time with that one.” then giggled.Chapter 19.In the morning we agreed to take separate showers instead of together. We both agreed it would be too tempting, had we gone in together. She did tease me though by removing her shirt and slowly saunter into the bathroom, giggling the whole way. I would say My Carrie was back.Her parents flight was due in at 4pm. I told Carrie I needed to catch up on a few things at the house, but would be back in time to go with her to pick them up. She must have texted me twenty times, just saying I love you. That made me feel good.I picked Carrie up at 3pm and went to the airport to meet her parents. She was very happy today. A far cry from yesterday's somber mood she was in. She was wearing a maroon cashmere sweater and black slacks. I too had black slacks on and a blue crew neck sweater. The whole trip there she held my hand, as she did once we were there and waited.Like all airports now, you had to wait down in the baggage area. It took about 10 minutes after their plane arrived, before we saw them coming down the escalator. Once Carrie spotted them, she pulled me along until they were on top of us, and went and hugged her mom, then her dad.Then Mrs. Reynolds gave me a hug and a kiss, and said I still looked like I did when we met in Norfolk all those years ago. Chief shook my hand then said, “You ain't giving me no damn hug son.” I just laughed and told him, “Not in your life you crotchety old bastard.” which made us all laugh.After arriving back at Carrie's, we saw that Jenny was there waiting for us. Alan was with her, but I could see the tension in his face. The old man did scare the shit out of him. I took him aside and told him, just to relax, but show no sign of fear to the chief. He eats that shit up. He sort of laughed and said, oh sure, easier said than done Mr. Roberts. I told him for now on, call me Mark. Save the mister for the other guy.We all then went to dinner, after the couple relaxed a bit after their flight. It was one of those chain restaurants. We all had a good time and of course, Chief had to regale us with stories when I was aboard the Lincoln. That's when Jenny asked about the “don't shit where you eat comment”, but cleaned it up some because of her mom and grandma there. Chief went on to explain about this one newly appointed petty officer I had an eye on. After he finished, everyone laughed, only because he made sound more colorful than it actually was.After we got back to Carrie's, the girls busied themselves in the kitchen, leaving myself, Alan, and the Chief alone in the living room. I could see Alan was a bit apprehensive about being in there. I'm sure he was never prepared for anything like this in college.  “okay you two Shitbirds.” chief started out. “Those three fine ladies in there mean the world to me. And two of them, for some ungodly reason happen to like you two. All I ever wanted for those two is complete happiness. If you can't give them that, leave now, otherwise, I need a promise to never ever hurt them, no matter what.”“You have my word on that Chief. Never doubt that.” I said, as the chief then nodded once to me. Alan then looked at him and said, “Sir, my only intention is to make Jenny happy, so I promise.” Chief just glared at him. Alan was unsure of what he said, but knew he didn't like something. I looked at Alan and said, “Alan. Relax. Just don't call Mr. Reynolds sir. Non Com's, noncommissioned officers, like we both were, do not like getting called sir, by anyone. And Chief, chill out, he isn't military.”Chief just chuckled. “Yeah, and don't call me Mr. Reynolds. Makes me feel old. Call me John for now on, or at least until you guys make it legal between those gals in there, then we'll figure out what you call me then. And Alan, you did good kid. You didn't break, like so many Seaman have, right out of boot camp.” then just smiled.Just then the girls came back from the kitchen with drinks. From that point on, the mood was light and cheerful. I just sat back and watched how this family interacted. They are like most families, I guess. Since it is just my sister and myself, except for an uncle and aunt and three cousin's, I really couldn't tell you what a big family is like. Mine though, is quite boisterous and not afraid of speaking their minds on any subject.About an hour went by when Jenny and Alan said their goodbye's. They were going to the football game the next afternoon and wanted to get some sleep. We sat up a bit more with John and Connie, telling a lot of what we did up in the mountains. Well, not everything, or I am sure, he'd have killed me by now.I was getting up, so I could make my leave too, when Carrie asked me to join her in the kitchen. I had no idea what she wanted, but went with the flow and followed her in.“I don't want you going back to your place tonight. You are sleeping with me, unless you don't want too.” she said, giving me her little pouty face she likes to do now and then.“I'm not sure how your parents will feel about that. I don't want to cause any trouble for you, or me either.”Carried just chuckled, “Don't worry about them. I am 41 you know. Plus, me and mom talked out here. She knows you and I have slept together from almost the beginning of us meeting. She is fine with it, and she'll take care of dad. As she put it, “That boy is over the moon for you Honey. Treat him good and he'll treat you like a queen.” So don't worry. But, we can't play around. That would be too weird.” and we both laughed softly at that.Carrie then grabbed my hand and walked towards the stairs, to go upstairs. “Night you two” she said as she passed by them. Her mom said night, but Chief just grunted something. I am pretty sure I will get an earful, next time we are alone.Once in the bedroom, Carrie went to her dresser and opened a drawer, pulled out pajamas. They were blue, red, and white checkerboard style print. She said she went shopping today and got these. She is wearing the top and the bottoms were for me. She stripped down to just her panties, which for once, were not thong style. She still looked sexy as all get out. I stripped too to my boxers and t-shirt. She then went to the bathroom and came out a few minutes later. I followed suit and did my business. She let me know there was a toothbrush on the sink for me, that she just got too.When I came back out, she was already in bed and awaited me. I crawled in next to her. We kissed and held each other close. Like I said when the first time we slept in a bed together, I could definitely get used to this.“Mark Honey. I need to apologize for yesterday. I was so wrong to try and push you away from me. I would have been crushed had you just said  okay, and left. But you didn't. That told me right there how much you love me. So thank you for being here for me. I love you Mark. It grows stronger every minute of the day. I wish right now we could make love, but until I know what is really up with this, we're going to have to take a rest from that. I hope you understand.”I leaned in and kissed her forehead and pulled her tighter to me. God, I love the way she feels.“Sweetheart, you need not apologize for anything. It has to be a shock to you, that is for sure. But, I will always be there for you, no matter what. We'll see this through, together. As for making love right now. This is making love, I believe. The sex is just the icing on the cake, so to speak. Plus, if you think I would have sex with you, with your parents just down the hall, you are crazy.”Carrie was just about to say something, when we both heard a light thumping sound. I started to chuckle, but Carrie said shush. It was definitely a rhythm thump going on.I chuckled and said, “You're kidding right?” Carrie laughed quietly and said, “Oh yeah. I think dad and mom are doing the horizontal hula. Trust me Hun. As far back as I can remember, they are one horny couple. I hope when I am their age, I still want it that much.”Carrie's hand reached under the waistband of my bottoms and boxers and started playing with Mr. happy. “God, I wish this was inside me now. “ She stroked it a few times so it was now almost hard. Then she rolled over on her side, so we could spoon. I too lay on my side and pulled her into me, so our bodies melded together. My hardness nestled up against her beautiful ass, which she then wiggled a bit. My arm lay over her and rested on her tummy. She took that hand and brought up, and inside her top and placed it on her one tit. My hand instantly enveloped her tit and held it gently. “God. I love your hand there” she cooed. “Night Mark. I love you” “I love you too Carrie”To be continued, by T. Foxal.

I wasn't aware that the game was gonna be digital only. Makes me wonder about 2K.

Makes no sense

Quaranteam-Northwest: Part 1 Pandemic Survivors, Harems and the Pacific Northwest. Based on a post by Break The Bar. Listen to the ► Podcast at Explicit Novels. To combat the deadly Duo Halo virus, the government will change the lives of Harrison Black and his friends out in the hills of Oregon. In return, Harrison finds a new purpose to his life in the midst of losing his family history. The House Guest. I glanced away again, relatively certain that Erica hadn't noticed my involuntary glance down at her cleavage but not overly worried. The grocery store parking lot was only half full, but we were waiting out front and I felt like we were in a bread line in Soviet Russia. The only good news was that it was a warm spring for Oregon State, and a clear day, so Erica and I weren't bundled up in jackets or anything. Of course, we were still getting used to the masks. "This feels ridiculous," Erica said, adjusting the bandana covering her lower face. She'd done her makeup as usual, with soft but smoky eyeshadow, and her thick dark hair was pulled back in a messy bun. Erica was a well-put-together lady, with the hips and bust of a woman who had aged perfectly into her thirties. I'd known her through our late twenties, and I wasn't ashamed to say I thought she'd only gotten hotter with time. Her black jeans clung to her hips and ass, and the black sweater she was wearing unzipped over a ripped band t-shirt accented the v of her cleavage that I'd been trying not to glance at. "At least it's not the middle of winter," I said. "Imagine this going on in January, in a snowstorm?" "We'll never need to see that," said the old man in front of us in line. He was wearing a hunting gaiter, but it was riding low on his upper lip. "This ain't the first virus, it won't be the last. Couple of weeks and the panic will die down. We'll have practically forgotten it by the fall, I bet." "Hopefully," Erica nodded. They'd announced the quarantine two weeks ago, and it had gone into effect last week. My roommate Leo and I had invited Erica, his sister, up from Portland; she was going to be cooped up in her apartment alone for the two-week shutdown and we had plenty of space on my old family property. Erica had made the drive the day before the statewide quarantine kicked in, having locked up the Tattoo Parlor she managed, and it had been a week of sun, hiking and ATV tours through the property, along with teaching her how to throw an axe and shoot some archery. Next week we were planning to show her the ropes on gun safety, and let her try out some of my grandfather's old hunting rifles. Erica was game for it all, and it felt like a mini vacation for all three of us. What Leo and I hadn't planned for was making meals for three instead of two, and so now a week in Erica and I were braving a trip into town trying to figure out exactly what we were and weren't supposed, or allowed, to do. Erica turned to say something to me, but her sentence was cut off by the heavy thrum and backfiring of a pair of ugly pickups rumbling into the parking lot of the grocery store on jacked-up wheels, halfway to 'monster truck.' They parked near the back, near my own truck, both vehicles with the stupid 'truck nuts' swinging from the hitches on the back and one of them with a big confederate flag sticker in the back window. "Jesus, I thought rednecks were supposed to come from the South," Erica muttered. "There are rednecks in every part of every country," I sighed. "Ask me about German rednecks sometime. Those people are weird." Five men unloaded from the two pickups, and I could see someone still sitting inside one of the cabs. I immediately took in everything I needed to know about the men; my brain couldn't shut off the instinct. Five military-aged males, three who looked like they could handle a bit of a fight. None of them were carrying firearms, no obvious sign of concealed weapons, but several had utility knives sheathed on their belts. Not that uncommon out here in the foothills of western Oregon. Three of them were wearing army surplus combat boots, one was wearing what looked like steel-toe construction boots, and one was wearing hiking boots. Their clothes were blue-collar casual. Rough, in other words. None of them were wearing any form of a mask. The debate was still out in the news; first, we were supposed to wear masks, then they said it wasn't going to be helpful, and now they were saying wearing masks might be the most important thing. Everyone seemed confused about the issue, but everyone in line outside the grocery store was wearing one of some sort or other. "Are they seriously going to just?" Erica muttered. The rednecks were heading straight for the entrance to the store, looking to bypass the ten or so folks in line ahead of us and another six behind us. I could see the panic in the eyes of the pimple-faced teen manning the door. He had no fucking clue what to do about it. "Ah, shit," I muttered, already stepping out of line. "Harrison," Erica cautioned me. "It's not worth it. What's the point?" "If not me, then who?" I asked her, then raised my fingers to my lips and blasted a whistle that echoed across the parking lot. Everyone turned and looked at me. All the folks in line, the rednecks as they were about to bull their way past the boy, and the beleaguered kid who I'd already watched bumble through explaining the line to annoyed people, let these alone belligerent assholes. "Hey," I yelled, but tried to keep my voice more friendly than commanding. "How about you guys show some respect to the folks out here and just grab a spot in line?" "How about you suck my nuts? We aren't sheeple, we know our rights," one of them yelled. "Yeah, this place can't deny us service, we've got rights," another shouted. "There's a difference between rights and being polite," I said. "Old folks are waiting to get their groceries, you boys can wait fifteen minutes." "You got a problem with us?" Another one shouted. "You know who the fuck we are?" "Harrison," Erica sighed. "I ain't got a goddamn clue who you are," I said. "And I don't care beyond the fact that you're acting like assholes." Two of them immediately started coming towards me down the line, the other three hesitating a moment before following. Fuck. I'd been hoping they were just some bully idiots, but the two in the lead were way angrier than they should have been. "Take a few steps back and don't get involved, E," I said quietly. "I'll be fine, but you can't get involved, Okay?" "Harry, what the actual fuck? There are five of them. This is a fucking parking lot. We should just call the cops!" she whispered back. "I'd listen to your fella," the old guy in the gaiter said. "We got one State Trooper somewhere in thirty square miles of here; would likely take too long to do any good." "You wanna say that to my face, you fucking fuck?" one of the men said. I'd taken a few more steps out of line, and he got up within a foot of me with his teeth bared and a fist raised threateningly. "I'm a god damned sovereign citizen, and I got every right to protect my dignity, honor and good name against fucks like you." "Yeah," I said, looking down at him as I breathed in deep and let my full size loom over him. The guy was probably 6'1 or so, but I was 6'6 in my stockings and had an extra couple inches over that from my own hiking boots. "I said you guys are acting like assholes, and otherwise I could give one single shit about who you think you are." "You motherfucker, I'm gonna," "Harrison?" One of the three guys in the back asked. He was one of the ones I'd identified as not being much of a fighter. "Harrison Black, right? You played Defensive End at Eisenhower." "Uh, yeah," I said. "That was a while ago though..." "Oh man, dude. It's me, Barry O'Callahan. I was a year behind you," the guy said. "Guys, this dude almost single-handedly ran our high school defense. Didn't you end up joining the military or something?" "Yeah, yeah," I said, squinting and looking at Barry. "Really? Barry O?" "Heh, yeah I filled out a bit since I was a junior," the man laughed, his gut jiggling with the effort. "And then I filled out a bit more. How are you doing, man? When did you get out of the service?" "Well, I'm doing fine, Barry. Been out going on seven years. But this is a bit awkward," I said. The interruption had been as confusing a moment for the two hotheads in their group as it had been for me. They were looking back and forth between us, trying to decide if they were still mad at me, or mad at Barry, or were just giving it up. "Oh, yeah. Uh, don't worry guys, Harrison is cool, Okay?" Barry said. "Dude, are you just in the area visiting or what?" "I've been up at the family place for the last few years since Pop died," I said. "Oh man, I'm sorry," Barry said. "But hey, can't believe we didn't run into each other until now. Who'd a thunk, huh? Here dude, you should come out to the clubhouse sometime. We'll grab some brews, catch a game or something." Barry pulled a crumpled matchbook out of his shirt pocket and handed it to me. The front had a WWII-style blonde pinup girl on a navy background with a white star behind her, invoking the flag. The Golden Beaver and an address was printed in tiny letters on the backside. It would have been a funnier innuendo if they weren't referencing the Oregon state flag. "Yeah, maybe," I said. "Come on, guys," Barry said, slapping his two hot head friends on the shoulders. "Let's get in line. Nice seeing you, Harrison." "Yeah, you too Barry," I said. And then shook my head as the five men headed back towards the end of the line. "What the fuck was that?" Erica asked me as I joined her back in line, and we moved up a couple spaces as the teen at the door let more people into the store. "Honestly, I thought I was about to spend the night in county lockup," I said. "Fuckin' Barry O." "He seemed like a fan of yours," Erica smirked. "Big high school football star, huh?" "I was a little above average at best," I said. "And I wasn't an idiot. Easy to look good when the rest of the team sucks." I looked down at the matchbook again and shook my head, showing it to Erica. She snorted and took it. "Is this real? Please tell me you aren't going to go join their little redneck club." "Not likely," I said. "It's a wannabe militia group. Bunch of swinging cocks with no sway." "What?" "Cause they're so small. It's a tiny penis joke." Erica smirked again and rolled her eyes. "You child. Can you do me a favor?" "What's that?" I asked. "Maybe, for the foreseeable future, you keep the whole Walking Tall routine to a minimum?" "I'm sorry, did you just make a Dwayne Johnson, early 2000s movie reference?" "Yeah, I did," Erica grinned. "What are you going to do about it?" "We need to get you to watch some better movies," I laughed. "Hey, son," the old man ahead of us said quietly. "Seriously, could you have taken those guys?" I glanced back at them at the end of the line, muttering to each other. "Probably, if I was right. If I got three of them, the other two wouldn't have done anything." "Heh. Would have liked to have seen that," the old man grinned. "Don't encourage him," Erica said. "He hasn't gotten into a fight on my watch yet, I don't want him to start now." "Yeah," I said. "But that's mostly because you're the one who usually starts throwing punches at the bar." "Hey, a guy gets handsy, I put him in his place," Erica shrugged. "No 'Walking Tall' shit, my ass," I snorted. "You two make a fine, rowdy couple," the old man said. "Oh, we're not a couple," Erica said. "Just friends," I said. "He's my brother's roommate," Erica clarified. "I'm just visiting." The old man raised an eyebrow and shook his head. "Alright. Well, maybe you two should consider toning down the flirting then. You're likely to attract bears with all the hormones you're putting out." "Erica, Erica! No, you cannot punch him," I said, holding her back. "Hey, Erica? Can we talk to you for a minute?" Erica looked up from her phone with a cocked eyebrow and a pensive smile. I immediately realized how weird and out of character our approach was. She was lounging on the couch in the living room, her sketchbook tossed to the side with a half-finished something scribbled out in frustration like she'd been trying to work but just couldn't get it right. I knew how she felt, having had the same frustrations ever since the quarantine had been announced. "Sure guys, what's up?" she asked. I let Leo sit down next to his sister on the couch as she sat up, and I took my usual chair. It had been my Father's up until he passed; I'd avoided it the first month after he died and I took over the family homestead. Then when my older sister Valerie and her family came to stay for that summer, she practically pushed me into it. 'It's just a chair,' became our catchphrase for the summer as we sorted through the belongings of our parents and grandparents. "I'm sorry," I said as I settled into the chair. "This is already coming off weird. Erica, it's nothing." "You're making it seem like it's something," Erica said. She turned to her twin. "What's going on?" Leo and Erica were both a couple of years older than me, but once you were into your early thirties that kind of stuff meant a lot less. Leo had the looks of a classic Italian paisan with thick dark hair, a hawk beak of a nose and bushy eyebrows. He was built thin and a little lanky, and was usually ready with an eager smile and word of encouragement for anyone he met. That's probably why we'd gotten along so well when we started rooming together; his positive attitude had been just what I needed coming out of the Army. Erica had a lot of the same features as her brother; the thick dark hair, the ready smile, the energetic sparkle in her eyes; but she also had a sensuality to her that I can't say I'd ever noticed in Leo. She was a little more patient, a little more sure of herself and willing to take charge of things. And that control went all the way to her fitness, as she hadn't let herself slide even through quarantine. Leo sighed. "No, it's nothing. Well, I mean I guess it's something, but it's not," "How about we just say it, instead of talking about talking about it?" I said. "Yeah," Erica nodded. "How about that?" "Well, uh, Harrison?" Leo looked at me, which I guess was fair considering this was my house at the end of the day. "Erica, we're almost a month into the quarantine now," I said. "I know that when we invited you down out of the city to stay with us, it was supposed to only be for a couple of weeks. 'Two weeks to flatten the curve' and all that shit. But things don't seem to be getting any better." "No, it's fine," Erica said, sitting up straighter in her seat and pulling away from her brother. "I know I've been imposing on you guys. It's fine, I can head back down to Portland and I'll just," "Jesus Christ, Erica," Leo said. "We're not kicking you out." "You're not?" she asked. I realized that she was clenching her fists in her lap so hard she was trembling slightly. "Not a shot, E," I said. "We just wanted to make sure that you knew we want you to stay as long as you want or need. We love having you here." For the first time in my life, I saw Erica's lower lip tremble. "Really?" she asked. Back in the city she was the manager of one of the most successful tattoo and piercing parlors in the state, herding artsy workers that acted like cats with constant access to catnip. Erica was firm but fair with her artists, managed a clientele that ran the gamut from rich and entitled assholes to meth'd out deadbeats, and kept her own skills sharp with constant discipline and practice. Every time we had hung out in the years before the quarantine, I'd always been struck by how forceful a personality she was; she could smack talk with the best of them, manhandle a drunk in a bar like an experienced bouncer, and laughed loud and full-bellied. Seeing her on the verge of tears was a shock, and I realized we probably should have had this talk two weeks ago. "Yes, of course we do," I said. "God, you're practically family, Erica. I don't think I could let you go back and stay in the city right now. We love you." The damn burst and as thick tears began to pour over her cheeks and streak her dark eyeliner she reached out and pulled Leo into a hug with one arm. She beckoned for me with the other and I crossed the space to wrap her up in a hug as well. "Thank you," she whispered quietly between us. "I know you guys wouldn't; but still. Everything going on out there, and the way the city is right now... I just didn't" "It's going to be fine," Leo said to his sister, squeezing her harder. "You'll see." She kissed him on the cheek, then turned and kissed me on the cheek as well. "Thank you." I gave her a bit of a squeeze in return. "We'll need to go get some more of your stuff, I guess. You only came down here with a duffle bag." She laughed. "God, yes," she said and tried to wipe her tears. "I can go up there. I could use some more underwear, ha-ha." "Too much information!" Leo said, releasing his sister. She sniffed hard to clear her nose and wiped her cheeks some more to clear her spilt makeup and tears. Erica had a sort of post-punk or light goth style, with thick eyeliner and soft but smoky eyeshadow. For someone in the tattoo business, she had relatively few piercings, just two in each earlobe and a single small, silver nose ring on one nostril. She made up for it with a pair of full sleeve tattoos on her arms and a collection of assorted smaller tattoos on her legs. "What, you don't want to hear about me sweating through my bras?" She laughed at her brother. "Come on, Leo, we're all adults here." I laughed at her teasing and she squeezed me to her with the one arm she still had around my shoulder. She turned and kissed me on the cheek again. "I can go down to the city by myself, you guys don't need to risk yourselves for me. All the news reports are saying this thing is extra dangerous for men." "No, we'll help," I said. "We don't know how long this thing will last, so we'll bring the pickup and you can bring your car. And if you get exposed, you'd bring it back here with you anyways, so we might as well try and do it as fast as possible. Three sets of hands will make things go easier." "Okay," she nodded, then with a last squeeze of my shoulders she eased away and stood up. "Okay. Well, damn, guys. This feels like a fucking weight lifted off my shoulders. I've felt like I've been overstaying my welcome, not that you guys did anything to make me think that. I just,” "It's fine," I said. "We understand." "I don't," Leo said. "You've been all up in my personal space since the dam womb. You never had a problem with it before now." "Come here, you twerp," Erica laughed, slapping her brother on the arm. "Alright, alright," I said. "Come on, children. Let's make a plan here. No time like the present, if we get everything ready we can head out tomorrow."   Leo and I had first become roommates when he sublet me a room as I came out of the military seven years ago and wanted to move back to the Portland area. Then, when my father passed and I needed to move back to the family property, Leo had been more than happy to come on up with me instead of trying to find someone new to take over my half of the house lease. The old ranch-style house I'd grown up in had plenty of room, and my mother had died a few years before Dad, so it worked out for both of us. Even before the quarantine was announced we'd both been working from the homestead; my freelance illustration and concept art gigs kept the bills and property tax under control and food on the table, and Leo had swapped to making artisanal furniture in his little shed workshop instead of the house framing and cabinetry he'd been trained in. The old barn made a decent new workshop for him after a couple of upgrades, and once I'd gotten a satellite installed for point-to-point internet service we were... Well, we hadn't exactly been living the technological dream, but we had what we needed. The drive down to Portland from the homestead outside Jewell took a bit over an hour and a half on a good day with moderate traffic. It only took us an hour, in the middle of the day. I drove my truck, the cover on over the bed, and Leo rode with Erica in her car. The highways were practically empty, and for a while the drive almost felt like just a beautiful day out; other than the thick sweater I was wearing, and the work gloves I'd duct taped to the cuffs. I also had a pair of bandanas hung around my neck, ski goggles sitting on the passenger seat, and the hood of my sweater pulled up. It was the middle of a hot spring and I was sweating my ass off in my own truck just in case of death by viral infection. Even in the last couple of weeks, all the messaging online from the Government about what to do for safety felt like it had been conflicting with itself constantly, and when Leo and Erica tried to do more research they couldn't even figure out which politician or government body to listen to, let alone find something useful and convincing. So we went all out. Driving through the suburbs was a bit of an experience. One neighborhood would be completely desolate, not a single person outside and everything locked up tight. The next would be full of people outside on the street, walking dogs and kids running around playing. Most of them had those medical masks on, but it looked like people were out on summer vacation or something. The neighborhood after that was mostly shut down like the first, but one of the houses easily had thirty vehicles parked around it and was hosting some sort of party going on in the front and back yard. Somehow, despite the world feeling so alien, I still found driving through the city even weirder. Getting into the urban center where Erica had a small apartment near the Tattoo Parlor was like we'd hit the end of the world. Even more than in the suburbs, the near complete lack of people was shocking. We could go entire city blocks without seeing another car, and then suddenly we'd come across a food delivery driver peddling down the middle of the city street on a bike. The only other motorized vehicles I saw were one dude on an electric scooter having the time of his life, and ambulances speeding down the streets with their lights running. They didn't even bother with the sirens. Crackle, crackle. "Hey, Harrison? You read me? Over." I picked up my handheld radio and pressed the button. "Yeah, I read you, Leo. Over." "So we need to take a detour. There's a bunch of stuff online about this Autonomous Zone thing. Protestors in the middle of the city. We're going to avoid it. Over." "Yeah, sounds good. I'll follow. Over and out." I shook my head. The protests had started about a week ago. Halfway across the country, a man had been shot by police; investigations were ongoing, but no one looked good in the situation. Not the cops, not the man, not even the bystanders who had filmed the whole thing instead of intervening. It was a shit show all around, and it had sparked protests that I could only assume were fueled by people feeling so trapped in their own lives. Portland, ever a liberal center of activism, had been a hotbed every night. Vigils and marches every afternoon and evening. Then the riots started at night. We drove down a couple of streets that looked like we'd left the United States behind and entered a foreign warzone. I'd seen streets in Kabul during my deployment that had looked similar; the only thing missing from the burned-out cars, graffiti and general detritus were bullet scars on the walls. Windows that weren't boarded over were smashed. Storefronts were burnt out, looted, or both. It took us an extra twenty minutes to drive all the way around the 'autonomous zone.' By the time we pulled up into the alley behind Erica's apartment building, I was feeling sick to my stomach. A pandemic. Riots. What was next, a natural disaster? I'd seen some of the world; not a lot, but enough. Some of the best and worst places. We were supposed to be better than this. Taking the back stairwell was part of the plan. We didn't want to draw any attention from people; for all that Portland was that liberal bed of activism I'd just been thinking about, it was also still an urban center plagued by theft, crime and people trying to take advantage of each other. With no one on the streets, I'd suggested that pulling up out front made us more of a target to people looking to cause trouble, or attracting the attention of overzealous police. I pulled my truck in next to Erica's car and hopped out. "Alright, make sure you lock up," I said. "Harri, please," Erica said, sliding down her own ski goggles over her eyes. We were all bundled up now, with multiple face coverings each. "I've lived in the city about eight times longer than you ever did. I know how to handle myself." "Yeah, I know," I said. "I'm just a little anxious." "It's fine, dude," Leo said. "Let's just get this done." Erica let us into the building, keying in through a back door, and up through the stairwell. We didn't see anyone on the way up, and she led us through the halls to her apartment. As she let us in, one of her neighbors opened their door and stuck their head out. "Erica? Dear, is that you?" It was a woman, maybe in her fifties. "Hey, Dianne," Erica said. "It's me. I'm just here to pick up some things, and I brought my brother and his roommate to help out." Dianne stepped fully out of her apartment. She was dressed comfortably and had her silvering blonde hair pulled back into a bun. Most notably, she wasn't wearing a mask or any other sort of personal protection. "It's so nice to see you, Erica!" she said. "It's been quiet up here the last few weeks. I have to say, I never thought I'd actually miss your early morning banging around, but I do." "Ah, Dianne," Erica said, holding up her hands. She was wearing rubber gloves, duct taped at the wrists to her sweater just like my work gloves were. "We really shouldn't get any closer than this." "Oh, dear, it's fine," Dianna said. "I've been cooped up in the apartment for a week now, the only person who comes over is Mr. Jones from 5C for coffee every few days. I'm sure you've been just as safe, living out of the city." "No, really Dianne," Erica said. "I don't mean to be rude, but we're only here to get some of my things and go. And I know Mr. Jones is probably lonely up there, but it's not safe for you two to get together for coffee. You should really just skype each other or something." "Oh, I already have to do that Zoomy thing to see my grandkids," Dianna scoffed. "But fine, fine. It's good to see you, dear. Try not to take things too seriously, it won't be good for your health." From inside Erica's apartment, I couldn't help but shake my head. "Dianne, maybe you need to take things more seriously," Erica said. "I'd hate if anything happened to you, but more importantly I'd hate for your grandkids to never get to see you again if you got sick." "Well, I guess..." Dianne trailed off. "Goodbye, Dianne. It was nice seeing you," Erica said in that tone of voice that was just shy of 'politely fuck off,' then followed Leo and me into her apartment and shut the door. "God, that woman," Erica said. She peeled down the pair of gaiters she was wearing over her face. The top layer was a winter covering Leo and I usually used in the middle of winter when we were snowmobiling, and the second was a much thinner one we used in the summer when A T Veeing. "We should be good in here, no one's come in since I left." I peeled down my bandanas and sighed. "I'm sure she's nice, but that lady needs a reality check." "I just hope she isn't someone else's reality check," Erica said. "Alright. I'm going to start in the bedroom. Leo, can you go through the living room and grab anything you think we might want in terms of DVDs and stuff? And Harrison, do you mind doing a check-over of the kitchen? I'm pretty sure I got rid of all the immediate perishables before I came down, but I might have missed some things that could've gone for a couple weeks." We split up and went to work. I cleaned out a few old condiments that Erica had missed and collected some canned and boxed food that would travel easily, along with some of the more specialty cooking equipment Erica had made of point of mentioning. I wasn't sure what an 'air fryer' did, but she made it sound like it was a gift from God, so I was willing to pack it up. "All done in the kitchen," I said, standing in the doorway to Erica's bedroom. She was rummaging in her closet. Her bed was covered in clothes and a couple of pieces of luggage, and everything looked like a mess. "Okay, hold on," she said, then she reappeared and dumped what looked like an entire department store's worth of bras out onto the bed. "Can you start packing this stuff up? Don't worry about folding or sorting it, I'll fix it all once we're back at your place. Then I can grab everything I need from the washroom and we'll be done." "Sure," I said, and we squeezed past each other so she could duck into the washroom. Once she was gone, I just chuckled and shook my head at the mess she'd already made. "I don't think this is all going to fit in these bags." I got to work, and soon three of the four pieces of luggage were stuffed full. That's when I made it to the pile of bras. I glanced out the door, and quickly picked up a fancy looking one and checked the tag. "Damn, Erica," I chuckled. It was obvious she was a busty girl, but 36E? I wouldn't have guessed. Then again, I wasn't exactly a bra aficionado. I wouldn't even know if I'd seen D's or E's or what, the sizing just sort of confused me enough that I couldn't care to look into it any further. I carefully began packing her daintier things into a bag, and below the bras was a pile of panties; and only a few of them seemed like they were designed for comfort and not show. There were strings, there was lace. I held a particular red number and shook my head again, trying to do my best not to imagine Erica wearing it and failing. I shoved it into the bag with the rest. "Incoming," Erica said, bustling back into the room with her arms full of canisters and bottles and all sorts of things from the bathroom. She dumped it all on top of the panties in the bag. "Usually I'd be a lot more organized with this," she sighed. "But I just feel... being in the city feels kinda gross right now." "Hmm, I feel it too," I said. I picked up the last handful of her underwear and put them on top of the cosmetics stuff. "Oh my God," Erica said, grabbing the bag from me. "I can't believe; God, this is embarrassing." She was grinning and her cheeks had heated up as she quickly zipped up the luggage and turned to me. "I didn't realize you'd work that fast." "Hey, I've seen ladies' underwear before," I laughed. "It's not a big deal." "Yeah, but you haven't seen my underwear," she chuckled along with me. "At least you saw the nice stuff. I left most of it here when I came down; wasn't exactly thinking about showing off the goods, ya know?" "Hey, anytime you want to show off, you just let me know," I laughed. "I tried not to pry, but some of them looked pretty hot." "Oh, my God," she said, face palming her embarrassment. Then her smile turned teasing. "Then again, we could always play you show me yours, I'll show you mine. I'm sure the girls would be happy for some more freedom around the house." She squished her upper arms together to pop out her chest a bit under her sweater. Now it was my turn to smirk and blush a little. I was just starting to try and figure out what to say when Leo came in from the front area of the apartment. "Think I'm about done up here," he said. "Anything else, sis?" Erica snickered and punched me in the arm. "That's probably it. I was just teasing Harrison about feeling' up my panties though." "Dude!" Leo said. "Oh, come on," I said. "You know I wouldn't." "Still..." Leo trailed off. "Whatever. Just leave my sister's granny panties alone." "You think I wear granny panties?" Erica said, then turned back to the bag and started unzipping it. "Well, let me just show you some of these..." "Nope, no, nada, nyet!" Leo said, covering his eyes with both hands and turning out of the room. "I do not need to know. Too much information for me!" Erica snorted and shook her head, re-zipping the bag. She winked at me and gave me another friendly punch on the arm. "Thanks again for helping with all of this, Harrison." "No problem at all, E," I assured her. "No, no," she said. "Seriously. Thank you. You guys didn't need to come out here; it feels sort of silly to say, but you're technically risking your lives for me right now." "Well, chivalry ain't dead yet, I guess," I said. "I guess not," she laughed. She leaned in and kissed my cheek. "It's nice. Just don't go making a habit of it, I don't need some White Knight savior act out of you or my brother." "Deal," I said. We got everything out into the front hallway of the apartment, and it ended up being more than we could hope to carry down in one trip. The end result was that we made the first trip down, started loading everything into the bed of the pickup, and while Leo and Erica went back up for another load I stayed down with the vehicles. The thing about inner cities, we'd all learned quickly when we originally moved in, was that you took a risk when you left things in your car. Well, if you had a car to begin with, but if you did and people could see in then it was likely your shit was going to get stolen. So there I was, sitting on the open back gate of my pickup with double bandanas over the bottom half of my face and ski goggles over the top, when two men rounded a corner further down the wide back alley and stopped. They looked at me and the cars. I looked at them. One of them was wearing a medical mask, while the other had a knit wool balaclava on with nothing but his eyes showing. I'd never really considered it before, what with us living out in the woods away from most people, but at that moment I realized how simple it must be to do crime when everyone was expected to wear masks. I watched them. They eyed up the vehicles. I stood up. They watched me do it. I slammed the gate of my truck shut. They watched me do it. I walked around to the passenger door of the truck cab, pulled out the hard case I had stowed under the seat, grabbed my Dad's old Colt 1911 and slid a magazine home. The men kept their eyes on me, not batting an eye even though I was now holding a loaded firearm. I leaned against the back of my truck and watched them right back. Eventually, Leo and Erica came back down and I didn't mention the men or the pistol, which I tucked onto the passenger seat of my truck while we were moving things around. I left the door open so that I could keep easy access. Erica and Leo went up for one last load, and I entered another long staring match with the two men. They hadn't moved and were about fifty yards away so I couldn't tell if they were talking to each other. I swear I must have been sweating bullets under my sweater and gloves and various masks. I don't know if my adrenaline had spiked like this since seeing combat while deployed. Not even the grocery store parking lot showdown a few weeks ago had been like this. Finally, Erica and Leo came down with the last load, we got everything stowed away, and got back into our vehicles. I took a moment to unload and re-stow my firearm, and as Erica and Leo pulled away in her car I watched as the two men came up the alley and entered Erica's apartment building through the door we had been using. Maybe they had just been waiting to use the door, playing it safe with us. Or maybe it was something else. I wouldn't ever know. It took three days for us to start feeling... safe wasn't the right word. 'Less apprehensive' is where I ended up landing. Coming back from the city had been as smooth as driving out, but once we were home we all had this feeling of being dirty. It felt silly even at the time, but we ended up hosing each other off outside with the garden hose before heading in to take some long, hot showers. Was that ineffective? Probably. Did it make us feel better? Maybe, a little. When none of us were showing any symptoms of getting sick by the third night back, we all decided to crash and start a new show together on Netflix that night after dinner. I ended up in the living room first and was starting to scroll through the menus to find something we might like when Erica came down the stairs in her own comfy clothes. She was wearing baggy, low-riding sweatpants and a black tank top that I very quickly realized was bouncing way more than usual with each of her steps down the stairs. Erica walked over to the TV sitting area and flopped down onto the couch across from me, absentmindedly reaching up and tying her hair back into a loose and messy bun. "What?" she asked me when she realized I was staring at her. "Nothing," I said. "You just... you look good. Like that." She rolled her eyes. "It's just makeup, Harrison." What she meant was she wasn't wearing any. For the first time ever, even including the month that she'd already been staying with us, I was seeing Erica without makeup on. It was sort of shocking, honestly; whatever magic she did in the mirror, with her kit, it was like she could change the very structure of her face. Usually, she had an almost angular predatory look, with sultry and smoky eyes and sharp cheekbones leading down to a perfect set of clean and bright red lips. Now she looked brighter, more girl-next-door. Sure there were imperfections; soft lines under her eyes, little freckles and blemishes that got hidden by foundation, but her eyes were brighter, and her smile was wholesome. "Just don't feel like you need to be anything but comfortable, E," I assured her. "I like this look on you." She sighed and gave me a smirk. "Alright, charmer. What are we watching?" I tossed her the remote and let her start scanning through the list of new shows. Besides her lack of makeup and apparent lack of a bra, she was still her usual self. Both of her arm sleeves were bared by the tank top; her left arm was a colorful splash of a dozen of her favorite Pokémon from the original 150, all water-themed. Her right was Star Wars themed and focused on a pinup Femme Boba Fett on her outer upper arm, along with a couple sexy lady Stormtroopers, a Princess Leia in the requisite golden slave bikini, and Padme in the ripped-up white arena fight outfit. Not to mention the Yoda on her inner forearm and chili Chewbacca just below her armpit on her bicep. Her tank top also showed off the two heart tattoos on either side of her clavicle, and the half-mandala tattoo that sat on the back of her neck at the hairline. Erica's legs, while currently covered by her sweats, were a more eclectic collection of random and unplanned tattoos dating back from her start in the industry; some were done by her own hand, others by fellow apprentices, and a few even by the apprentices she'd eventually trained over the years. "Heads up!" Leo said, bounding down the stairs in his own sweats and a hoodie, vaulting over the back of the sofa and landing heavily next to his twin sister. "Jesus Christ," Erica said, ducking away to narrowly avoid getting kicked in the back of the head. She turned and hit Leo in the shoulder. "Watch it, you monkey!" "Takes one to know one," Leo laughed, swiping away her hands as she tried to hit him again. Soon the two were involved in a swearing match as Erica was leaning over Leo, trying to tweak his ears and drop a wad of spit down on his face, while he tried to both ward off her hands and push her away at the same time. Their easy sibling rivalry and goofing off usually wasn't this physical, but it still had me laughing and wondering all the same. I'd never had that with my sister; she was about seven years older than me, so we hadn't ever had that sort of a relationship. To be honest, I was also a little interested in the sibling scrap because Erica's tits looked fucking great jostling and bouncing around in her tank top, and a part of me hoped a boob would pop out in the chaos. Unfortunately, I couldn't be so lucky and the duel ended with both of them panting, sitting next to each other, with no boob appearance. "What are we watching?" Leo asked. "I dunno, we hadn't picked yet," I said. "Let's watch this," Erica said, seemingly at random, and selected some sort of a baking show. "Aw man," Leo said. "These competition shows are always so scripted." "They make me hungry," I said. "Maybe I should start baking more." "Yes," Erica said. "Now we're watching every season just so you can get more good ideas like that, Harri." The show was easy to follow and clearly designed like every other Food Porn-style "reality" competition. Other than the deliciously described food, the only thing actually keeping my attention was the host. "She's hot," Erica said during one of the transition scenes, right after the host had finished showing the TV audience the differences between a mousse and whipped cream. It had involved a lot of whisking very fast. "Not my type, but I can see it," Leo said. "She's got too much of a Fifties Housewife vibe going on." "That's just because she's so proper British," Erica said. "Look at her, she's gorgeous. And fucking stacked under those pretty dresses. What do you think, Harri?" "I'm with you, I think she's definitely hot," I agreed. "And I really dig the accent." "I bet she's a fucking freak in bed, too," Erica said. "No way!" Leo argued with his sister. "Look at her. She's all syrup and sweetness. I bet she's dry as a desert down there, and you couldn't fit anything in due to the stick up her ass." "Nuh-uh," Erica shook her head. "I'd put money on her having a filthy mouth off-screen. Just swears like a fucking sailor. And,  Hmm, I bet she probably says she's straight, but has plenty of experience with girls from her Prep School days." "Sure," I laughed along. "Makes perfect sense. Anything else?" "I bet she's got a cum fetish," Erica said. "Look at her eyes when she's talking about glazing. She's practically creaming her conservative little dress. And she definitely likes a cheeky finger up the bum to really set her off." All of us were laughing now, and the conversation faded as we struggled to get control of our giggles. By the time the first episode was over, we were hooked despite the silly concept, and let it play. We got four episodes in before Erica called it quits. "That's enough for me tonight, boys," she said, yawning and stretching her arms wide. Her right arm rubbed roughly against Leo's face on purpose, just to bug him as he pulled away. "I'm off to bed. Good night!" She bounced up off the couch and made for the stairs, her hips swiveling in her low-waisted sweats. They'd ridden lower, and she was showing a bit of a whale tail with her lace thong panties peeking over the waistline. "Dude," Leo said, snapping my vision from his sister as she walked up the stairs. "Uh," I hummed, and slowly raised both arms in an awkward shrug. "What do you want me to do?" "Just... don't make it a thing," he sighed, then flopped over onto his side. "She's my sister. You wanna watch Deadpool?" Visitors The rumble, sputter and hum of the approaching ATV broke my concentration as it cut through the quiet warbling of my shitty Bluetooth speaker long before Leo pulled around the trail bend. The thick foliage up here in the foothills, far at the back end of my family property, created a weird dampening effect so I hadn't heard him until he was almost on top of me. The rumble cut through the thick greenery now and was followed by the crunching of the tires biting into th

Well maybe! It's recently been a red moon, so it seems to have possessed us to talk about anything that comes to our minds! The Mindy Project (Hulu), Megan (Hulu), Maria Menounos, 28 Days Later (Pluto), 28 Weeks Later (Hulu), 28 Years Later (in theaters) and finally Buc-ee's! Makes sense right?!

Kindness: The Next Superpower Hey my friend—kindness… a superpower? Really? In this longer, deeper episode of the Personal Development Unplugged Podcast, Cloughie explores why kindness is one of the most underrated forces for change—inside and out. In a world that feels increasingly self-centred, reactive, and short-tempered, a simple act of kindness can disrupt the noise and spark real transformation. This is part personal confession (yes, Cloughie admits to being “a bit of a dick”), part gentle wake-up call, and 100% full of practical reflections to help you become more self-assured and more connected to those around you. What you'll discover: Why kindness isn't weakness—it's proof of deep inner strength The surprising return on investment of a small act of kindness How to shift from frustration to compassion (even in traffic!) Why you sometimes forget your own kindness—and how to bring it back to mind A reminder to start by being kind to yourself, because that's where it all begins How kindness feeds into your personal goals and dreams—if you choose to include it You'll also be invited to: Reflect on the kindness you've received and how it shaped you Review your day for simple “kindness moments” (smiles count!) Set an intention to actively make the world a better place—starting today This episode isn't fluffy—it's practical. It's a reminder that we don't need to wait for the world to change. We start with us. One kind moment at a time. Be kind—pass it on: If this touched something in you, share the episode with someone you care about. https://personaldevelopmentunplugged.com/453-kindness-the-next-super-power/ Subscribe or follow to never miss a moment of mindset magic, deep musings, or a little friendly self-hypnosis. And if you've not yet explored all the free hypnosis at paulcloughonline.com, now's a good time. Because whatever you think you are… you're more than that. Let's fly Shine Brightly

This cake is literally crammed full of the intense and fragrant flavours of oranges, and it stays moist for days. A slice with a cup of tea seems to make the world a better place. Makes one loaf tin cake but doubles nicely if you wish to make a larger cake. Ingredients 1 cup raw sugar Rind of 2 oranges + 1 lemon – avoid the white pith, I use a potato peeler Flesh of one orange 1 egg ½ cup oil, I use grapeseed or olive oil ½ tsp salt ½ cup thick natural yoghurt 2 tbsp. lemon juice 1 ¼ cups plain flour 2 tsps. baking powder Method Preheat oven to 180C fan bake. Grease and line a loaf tin with baking paper. In the bowl of a food processor blend the sugar and citrus rind until the rind is chopped very small. Add the orange flesh. Blend until smooth. In a mixing bowl beat the egg and sugar/citrus mix together until it is thick and creamy. Add the oil and salt and continue beating until mixed. Stir through the yoghurt and lemon juice. Add the flour and baking powder and combine until just mixed (over-mixing will produce a tougher, drier cake). Pour the thick batter carefully into the tin, smooth the top if need be for a better-looking cake at the end. Bake for 35-45mins, until a skewer comes out clean. Leave for 10 minutes to cool before turning out of tin. Ice with vanilla and citrus zest frosting.  Nici's note: To avoid your precious baking from slumping, leave it to settle and cool slightly before turning cakes and muffins out of their tins. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Makes no sense.

Why are so many people moving to Mexico these days? Is it actually that much better than living in the USA these days? Join me as chat about what Makes living in Mexico so great that it's making so many people want to live here! #méxico #mexico #movingtomexico #livinginmexico #vivamexico ..Watch the Livestream and Participate Every Thursday on my YouTube Channel https://www.youtube.com/@JoseArteagaTravelsWebsite . Full of FREE information https://www.josearteaga.com#retireinmexico #retirement #mexicanresidency #residencymexico

Title: Stop Chasing the Woman in the Red Dress: Multifamily Is the Smartest Move with Joe Fairless Summary: In this conversation, Joe Fairless and Seth Bradley discuss the importance of authenticity in business, the current state of the multifamily real estate market, and effective strategies for raising capital. Joe shares insights on sticking with multifamily investments despite market fluctuations, leveraging technology like AI and EOS for operational efficiency, and the significance of building authority and expertise in the field. The discussion also touches on personal reflections and aspirations, emphasizing the value of character and commitment in both business and personal life. Links to watch and subscribe:   Bullet Point Highlights: Authenticity is key in business interactions. Focus on your strengths and expertise. The multifamily market fundamentals remain strong. Utilize technology to enhance capital raising efforts. Building authority is crucial for new capital raisers. Networking through influential connections can be effective. Character is more important than reputation. Sticking to one niche can lead to greater success. Continuous learning and adaptation are essential. Coaching and mentoring can be fulfilling personal pursuits. Transcript:  Joe Fairless (00:03.629) Hey, how you doing?   Seth Bradley, Esq. (00:04.881) Alright man.   How are you? I don't know if we've actually met in person or not, but funny, I'll share the story once we start officially recording, but once upon a time when I was trying to find my place in this syndication world, had a phone call with you and it was awesome to actually get to speak with you at the time because it was just like, whoa, this is Joe Fairless, right? So it was a huge deal, so it's awesome to have you on the show.   Joe Fairless (00:34.966) You know what? I take notes of every conversation and I see it was around May of 2019. Yeah, yeah, I see that. It's awesome. Well, looking forward to every five years we should do this.   Seth Bradley, Esq. (00:43.988) There you go. There you go. Awesome, man. Awesome.   Yeah, let me...   Seth Bradley, Esq. (00:53.1) Sounds good, man. Sounds good. Sounds good. So just to give you a little bit of groundwork here. So I'm a securities attorney by trade. I've raised capital for syndications, those sorts of things. I'm currently with Tribest, I'm chief legal officer over there. So we do, put together fund to funds in a box for capital aggregators. And I'm rebranding the podcast. So once upon a time it was Passive Income Attorney. I was really focused on bringing in investors into my deals, raising capital, that sort of thing.   Now I'm rebranding this as raising the bar gonna be kind of more of a general General podcast on business and raising capital and in real estate that sort of thing. So It's gonna be more of a general audience before it was past investors This is gonna be more kind of business people active investors because I'm actively trying to bring in you know capital raisers and People like that. They're putting deals together for my law firm and for for tribe vest   Joe Fairless (01:33.998) Mm-hmm.   Joe Fairless (01:48.354) Mm-hmm.   Joe Fairless (01:51.884) Makes sense. Thanks for that context.   Seth Bradley, Esq. (01:53.544) Yeah, cool cool. So and then format wise we'll just do it'll be pretty short We're gonna do like 25 minutes 30 minutes And then we'll go into kind of these like mini segments because I want to do these mini episodes And I think I sent those over to you one is just million dollar Monday. Just kind of how you made your first million How you made your last million how you're make your next that sort of thing and then the next one is the the 1 % segment which is kind of you know, how did you become basically?   Joe Fairless (02:00.504) Sweet.   Joe Fairless (02:15.47) Mm-hmm.   Seth Bradley, Esq. (02:21.364) 1 % like the best top 1 % in what you do and that sort of thing and just kind of giving actionable steps to the listeners about how they can get there too.   Joe Fairless (02:25.442) Mm-hmm.   Joe Fairless (02:30.314) Awesome. Sounds good. Sounds like fun.   Seth Bradley, Esq. (02:32.98) Cool. All right, man. Well, we're already recording, so I'll just kind of jump into it and then we'll make the, I'll make the cuts later. cool. Welcome to Raise the Bar with me, your host, Seth Bradley, where we have elevated conversations on raising capital, real estate, and entrepreneurship. Today, we have an incredible guest, Joe Fairless. If you've been living under a rock, then maybe you haven't heard of Joe, but everybody in my industry knows Joe as an industry leader, a thought leader.   real estate entrepreneur, extraordinaire, marketer, master marketer, all of the above. So Joe, welcome to the show.   Joe Fairless (03:10.36) Looking forward to our conversation, Seth.   Seth Bradley, Esq. (03:12.884) for sure man. So, you know, I like this question because it's kind of unusual and I have a hard time answering it and you might too, but we'll see. you know, when a stranger asks you what you do and it just comes up to you maybe at a conference or on the streets, what do you say?   Joe Fairless (03:28.398) I'd I buy apartment buildings.   Seth Bradley, Esq. (03:30.546) I love it. Keeping it simple, man. I guess that was an easier answer than I anticipated.   Joe Fairless (03:35.182) Well, yeah, I've been to in my early days I went to seminars and they have much longer more thought-provoking responses like, know, I help high income earners create passive income or something along those lines, but I keep it simple. I buy apartment buildings and then, you know,   let the conversation go where it naturally would go.   Seth Bradley, Esq. (04:06.366) I love that man. Yeah, and you know, to be honest, know, that response that you just mentioned is a little bit played out. Don't you think? I feel like if you're on LinkedIn or if you're on, you know, conferences, everybody's like, yeah, I raised capital from passive investors so I can help them do this and do that. Do you think that's a little bit played out? Do you think that people need to kind of change that marketing strategy at this point?   Joe Fairless (04:25.697) Well...   I think you should just be authentic. think just go with what feels right for you and what you'll enjoy talking about. Just go with what feels right for you. That's what I do. I am not a salesy person.   I feel uncomfortable if I'm trying to sell someone something. I believe in what I do, but I feel uncomfortable if I'm trying to force it. And so if I'm like, I was just at a dad-daughter dance this past Sunday and we met up with some couples that I didn't know any of them. was just couples that, you know, my daughter...   goes to their parents of the kids who go to school with my daughter. And so I was talking to one of the dads and he said, what do you do? I I buy apartment buildings. And he said, that's interesting. Then we started talking about what I do because he was naturally interested. And I enjoy that much more than trying to intentionally bait a hook. I'd just rather just have a conversation.   Seth Bradley, Esq. (05:40.03) Yeah.   Seth Bradley, Esq. (05:43.57) Yeah, yeah, I think that's the key, right? Especially in today's world where everything's online and you just get marketed to and advertised to all the time. You've got to be authentic and you need to have an elevator pitch, it's got to be authentic. It's got to be really who you are. And it can't be sales because people are so sensitive to that nowadays, whether you're raising capital or whether you're W2 doing your job. And we're all salespeople to a certain extent, whatever we do.   But people are very sensitive to that. So you've got to really focus on being authentic and coming from a place of genuineness.   Joe Fairless (06:20.91) Nobody in the world can do you like you do you. You've got a unique strand of DNA that no one else can be the Seth Bradley that you are, the Joe Farrells that I am, because it's impossible. It's impossible. There is no one like you. There is no one like me.   And it's just the more magnetic, the more genuine and true to who I am, the more magnetic I feel like I become because people enjoy authenticity and it's just the right way to play it, right way to do it.   Seth Bradley, Esq. (07:01.684) Totally, totally, totally. For our audience, just tell us what you're doing nowadays. mean, there's been kind of some changes in the market with the interest rates going up, those sorts of things, maybe starting towards the end of 2022. I know for myself, I was in the capital raising game for a number of years and then I kind of slowed down there towards the end of 2022, beginning of 2023, just to kind of see what the market was gonna do, just to see if we could still get some really good deals going, see if some of the other deals were going bad.   you know, what, what are you up to nowadays? Like what's your focus? right now.   Joe Fairless (07:36.77) The focus has been and always will be on our current portfolio and the deals that we have and operating those deals the best that we can and continuing to improve the NOI. So that is the focus.   There we have some deals that have floating rates with rate caps and the focus is to figure out how not to have floating rate with rate caps that you have to continue to renew once they expire. So that comes with refinancing and in order to refinance and sometimes you have to do a capital call or if you don't do a capital call you gotta bring in equity in some form or fashion to refinance.   some cases, it just depends on the deal. So the focus is on the portfolio and always will be. And then the secondary thing that we look at is acquisitions. How do we capitalize on the market that we're at right now? mean, the best way to describe it that I've read is it's stagnant. You know, it's just...   Not sure. The water, there's stuff growing in the water, but not sure if you really want to be part of what's growing in the water right now. Like it's just, it's stagnant and what will, but we also know what is coming.   Seth Bradley, Esq. (09:00.486) Yeah.   Joe Fairless (09:12.264) and that is the supply demand shift in multifamilies favor depends on the sub market and the market obviously. But generally the Sun Belt is going to greatly benefit in the next year, year and a half, in some cases six months from now.   with the supply-demand dynamic with new supply drying up and increasing the demand for the existing supply. Again, depends on the market, depends on the sub-market. So how do we capitalize on that? is there any way to be opportunistic with what's happening with some deals from other operators that   didn't work out. know, there haven't been a lot of foreclosures, but there have been some. And we have relationships with our lenders that are pretty strong. And in fact, one, a large lender that we have a really good relationship with, that we have properties with, they foreclosed on someone else's deal. And I won't name names on who they foreclosed on, but they foreclosed on someone else's deal and they came to us   Afterward and said hey here here. Here's a here's an opportunity. It's in a great area of Fort Worth and I'm from Fort Worth so I know we have a lot of property there too, but I know the market also I grew up there and We'll give you this special financing of around 3 % or so interest rate fixed interest rate   for year one and then it's fixed through the whole period of the loan but then the interest rate steps up to around four, four and a half percent over the five years. So to get that type of essentially seller financing but it's lender financing direct from the lender lending institution that foreclosed on the deal in a very good area of Fort Worth.   Joe Fairless (11:29.326) There are opportunities out there also. So it's how do we become opportunistic and find these deals. And so we're in the process of closing on that deal or doing due diligence on that deal. We're under contract and we're scheduled to close in about a month and a half from now.   Seth Bradley, Esq. (11:49.316) Awesome, awesome. Have you found it difficult at any point in time, kind of over these last couple years where the market has slowed down?   Joe Fairless (11:56.654) Whatever you're gonna say, yes. So finish your question, but the answer is yes. Yes, I found it difficult over the last couple years, but what exactly are you asking about that's difficult?   Seth Bradley, Esq. (11:59.732) Yeah. Sure. Specifically, should say sticking with multifamily because you are a multifamily guy and you you've seen you've seen where everyone, you know, everybody wanted that on that multifamily train for, you know, a decade, if not longer.   Joe Fairless (12:15.598) Mmm. Man.   Seth Bradley, Esq. (12:23.696) And now you've seen a lot of these same people change their tune and say, okay, well, you know what? Let's pivot to something else. Let's pivot to car washes or private credit funds or all these other things.   Joe Fairless (12:29.998) Man, I'm actually, I know you're an attorney, but can I strike my yes actually from that question? Cause no, actually the answer is no. I haven't found it difficult to stick with multifamily. Hell no. No. You know, you go to a restaurant at a diner and they offer lasagna, California roll and what else?   Seth Bradley, Esq. (12:41.16) Hahaha   Seth Bradley, Esq. (12:49.107) Ha ha.   Seth Bradley, Esq. (13:01.204) Ha   Joe Fairless (13:01.356) Pad Thai, you know, are they gonna have the best lasagna, California roll, and pad thai? No, no. They've got something for everyone, but they're not gonna be great at any of it. I'd rather go to an Italian restaurant that makes their own noodles, right? Makes their own pasta. And where they specialize in one thing.   Not at all. No, we I believe in the fundamentals of multifamily. I believe in the supply demand that is here. I mean we had a record number of supply across the board and multifamily and the occupancy maintained 90-91 percent depending on the market but it maintained in the 90s in a record number of supply and by the way at the same time you got   the capital markets raising interest rates the way they did. And a lot of people have been able to hold serve. And the fundamentals of the supply demand and how much...   how many renters there are out there and how that will continue is there. That's cold hard facts. There is demand, a lot of demand, and there will continue to be even more demand because the supply is trailing off. We have never looked.   outside of multifamily because it's so strong. I think that is a cultural thing actually because if you, anyone who's in the sports, college sports, they'll know about the NIL and   Joe Fairless (14:54.784) how you can bounce from one team to another year after year. And so you'll find some people who aren't starting and if they put in the work then, and I'm for NIL, I think players should be paid, but I don't think that they, I don't think they should, I don't think it serves them as young men and young women.   mostly young men in this case who are bouncing from place to place, to not compete and not work for a starting position and instead just go somewhere else the path of least resistance. That's not how you build character. There's a really good book, it's called The Road to Character.   and they talk about in the book, they give different examples of people throughout history. And they're not exceptional, like saintly people. They're people who are normal people, but what they did that is atypical for what our culture does now is they stuck with things even when it was tough.   Seth Bradley, Esq. (16:09.682) Mm-hmm.   Joe Fairless (16:09.998) and instead of bouncing from thing to thing because what happens is when you bounce from thing to thing you don't get an expertise you don't get the the depth of knowledge the scars that that you need in order to be truly exceptional at that one thing and it's just surface level   And it'd be like if you feed your kids candy for every meal. I mean, it's same thing. You can't live on mental candy, right? You gotta have some substance. You gotta go through things.   Seth Bradley, Esq. (16:43.06) Yeah, I love that man. I love that metaphor. I love that. Like you've got to get reps, whether the times are great or an easy or whether they're hard. And those hard reps are the ones that are really going to set you up for success down the line. Like if you're able to execute in the hard times, then when times turn good again, you're going to be at the top, right? You're going to be cream of the crop. What do you, what do you think it is about you and maybe your company that's enabled you to do that, to stick?   to multifamily and not say, ooh, you know what, I'm a really good marketer so I can raise capital for anything if I really want to, right? You're in that position and what is it about you and your company that's been able to allow you to stick to multifamily and just stick to it during these hard times?   Joe Fairless (17:32.762) the fundamentals are there. I mean, you could make an argument that if we were office investors, and I have some friends who are really keen on investing in office now and in the future, but you could very easily make an argument that with the amount of office space that people have currently, you don't need as much of that space.   It's not a five, you know, three to five to seven year play. Maybe it's a 20 to 50 year play. I don't know. Who the hell knows what's going to happen with office and working from home and AI and automation and all that. But with multifamily, the challenge is capital markets. Now there are some other aspects like the hyper supply, which has tapered off.   because of the higher interest rates increase in you know insurance which has tapered off back to the single digits by and large but that that was a big thing property taxes depending on where you're at but the fundamentals are there people are renting and consumers for yeah unfortunately for generally you know for the general consumer their credit card debt   is going up. They're still paying off their credit card debt from purchases almost 12 months ago. More than half of people are paying off purchases for more than 12 months ago. that's so right now they've been out earning their income because income has been increasing. But what happens if that income stops increasing the way it has been?   the debt's not going anywhere, especially credit card debt, and that's certainly not going to make more first-time home buyers that dynamic. So the fundamentals are there, and not to mention we already have a housing shortage deficit, major deficit.   Seth Bradley, Esq. (19:50.866) Yeah, so it's the belief and it's the knowledge like it's the education like you you know that the fundamentals are there you you're you're basing your resilience in the market to What you're seeing in the data like hey, it's you know We we believe in this asset type because of the data that i'm Well educated and well versed in   Joe Fairless (20:09.752) Mm-hmm.   Joe Fairless (20:14.346) Absolutely.   Seth Bradley, Esq. (20:16.168) That's incredible. That's incredible. Has anything changed in the way that you potentially because you've got a deal that might be going through in the way that you either have raised capital recently or how you are going to raise capital for your next deal as compared to when it might have been a little bit easier, let's say five years ago from passive investors?   Joe Fairless (20:38.612) Yes, we have implemented a system that I'm sure a lot of your listeners have heard of EOS, Entrepreneur Operating System, and that has been very helpful. We just did our focus day a month ago, but we've hit the ground running and we have our, I think, Vision Day part one later this month and Vision Day two.   next month and that has allowed ownership among the team members to really thrive because team members are responsible for rocks or their goals but if you say goals instead of rock they'll the EOS person will slap your hand so I'll continue to say rock so they're responsible for rocks and it's just   It takes more, the individuals on the team have more ownership. So that's not something sexy or flashy that I think your question was getting to. So I'll say something else that has been helpful would be doing Facebook ads for getting new accredited investor leads.   at scale. That's the best way that we found to get credit investor leads at scale is through Facebook ads. And we have an agency that we work with. And I just hired a director of marketing who has some really good experience and he's overseeing them and the marketing team. And then   Another thing that has been helpful that where I'd say just scratching the surface I'm a big proponent of AI and how I believe We are in the middle of a major change for our society with because of AI I think it is just as major of a change as it as it as when we all got internet in our homes   Joe Fairless (22:51.602) on a personal computer. I think it's that big to have access to, just think about phone books to Googling something on your computer. So with AI we've incorporated it and are incorporating as much as possible in one aspect to address your question about how we're doing things differently. One aspect.   is that on our investor calls, our prospective investor calls, we record them. They know it's being recorded and on a recorded line. We have an AI service that then takes the information from the call and grades the call. But then not only that is we look at, those investors, which ones of those investors invest?   What did we say? What did they say on those calls? What are some common commonalities? Which ones didn't invest? What did they say? What did we say? And starting to identify trends and words and topics to talk about and to address on the calls to increase the conversion rate.   Seth Bradley, Esq. (24:07.048) That's great, man. I love it. You kind of went full circle there. You've got EOS, which I'm a huge proponent of. We use that across the various companies that I have, some form or another. There's got to be a framework of organization and accountability and being able to look back and say, hey, we've had this problem before and here's how we solved it before. Or hey, this problem is still occurring from last week's L10 meeting. What do we need to do to improve it? How do we solve that issue?   Joe Fairless (24:33.166) Mm-hmm.   Seth Bradley, Esq. (24:36.712) How do we keep moving forward rather than, what did we talk about last week or what did we talk about last month? You've got to have a way to organize things and a way to solve issues organizationally, especially as you grow. So EOS, huge proponent of it, man. I mean, it's awesome. Like you have to have some form of it, even if it's not to a T with the book, Traction is where that comes from. You have to implement some form of organization and framework for your company. And then like you said,   Joe Fairless (24:41.389) Yeah.   Joe Fairless (24:56.575) Mm-hmm.   Seth Bradley, Esq. (25:03.284) you know, with AI, everyone has to stay on the forefront of what's going on right now. I know I was even a little resistant myself. was like, chat GPT, is that? Eh, you know, and put it off for a little bit. And then once you start using that, along with all the other things as well, I'm just using that as kind of a baseline, but just learning how to use chat GPT in your everyday life, it's just a game changer. Because now your whole thought process changes. It's not like,   Joe Fairless (25:08.547) Yep.   Joe Fairless (25:20.14) Mm-hmm.   Seth Bradley, Esq. (25:31.22) I need to put together this entire article or blog post. It's like, how do I prompt it correctly to to produce this blog post or this article in my voice and then edit it through that or, you know, all these different things you figure out, like how to prompt rather than how to actually take this solution all the way from start to finish. Let that technology tell you how to do it. So it's awesome. And then Facebook ads as well.   Joe Fairless (25:45.206) Mm-hmm.   Seth Bradley, Esq. (25:58.964) you've got to really dial those things in, right? It can be a money pit, but at the same time, if you can master that, and it sounds like you hired an agency that's very industry specific, which helps out a lot. And from what I've seen, we have gems, we have a capital raising business, we have all these different things, and finding somebody that's niche to that industry is super important.   Joe Fairless (26:22.434) That's right.   Seth Bradley, Esq. (26:25.756) I'd love to go back and stay on this capital raising subject, especially for people that just started out. So like now you're doing EOS, now you're using AI, now you're using Facebook ads, do you have some capital to be able to invest in those ads? What about for somebody that's just kind of starting out? they're, you know, maybe this is their first fund to fund or, you know, their first property that they're raising capital for. Like how do they effectively launch their first   Capital Race.   Joe Fairless (26:56.59) Well, I would read the book that I wrote on syndication because I walked through the whole process of that best ever syndication book. So, but for this this relatively short conversation, I'd say first,   Seth Bradley, Esq. (27:04.404) Great book.   Joe Fairless (27:19.606) People have to make sure you have to make sure that people perceive you and you are actually a real estate expert and That because you might have you might have been if this your first one first deal then I'm assuming you came from some other industry or   If it was real estate, maybe you're a property manager, they don't know about all aspects of your expertise as it relates to real estate. you've got to, by having a thought leadership platform, you'll interview others who have that experience, you'll continue to learn, hone your skills, and then you'll also be associated with those who have those skill sets, and that will be helpful for you.   Once you do that, assuming that you are the expert and you are also perceived as the expert, then what I would do, and what I did actually on my very first one is I created a spreadsheet. And the spreadsheet had the name of the person, how I knew them, and then,   What I did is I wrote down all the different names and then how I knew them. So for example, I was on the alumni advisory board for Texas Tech. I was on a flag football team in New York. I wrote someone's name down there. On my flag football team, was working at different companies. I worked at different companies, so I wrote down different coworkers at different companies.   the key here for doing it this way is identifying the person. So then you sort them by how you know them. all the people from the flag football team would be sorted together. All the people from XYZ company would be sorted together. And then you identify the most influential person within that group. And you talk to him or her.   Joe Fairless (29:39.306) about your opportunity. And once you talk to him or her about the opportunity, and if they find it appealing or at least they want to learn more about it, then you can go to the next person in that group and you can name check. You can say, I was just talking to Seth about this and he's got some follow-up questions about it and I thought it also would make sense to talk to you about it too.   So then you come in a little warm with the group dynamic versus if you come in cold on an individual level.   Seth Bradley, Esq. (30:11.924) Mm-hmm.   Seth Bradley, Esq. (30:18.822) I like that man. That's a very, very nuanced strategy tidbit there. What I really heard was, you know, authenticity and authority, authenticity in that. Yeah, you've got to educate yourself. You've got to be a real estate expert if that's what you're raising capital for and authority. And then you've got to show people, you know, why you're the expert, why you know all these things, why they should listen to you to invest in something like this and even leveraging the authority of others with that.   that strategy where you go to this influential person and say, look, this person likes this deal too, and here's why. And then they can go to them and they kind of look to them as additional authority because they kind of look to them as that thought leader or that leader in general. So pretty great, man. Start wrapping this up, but this is kind of a nuanced question that I love to ask and ...   Because once upon a time I went to I went to med school for a little while and then I dropped out and because I just I hated it knew it wasn't for me and I'm going to law school and then got into real estate. So you know in a parallel universe tell me about a different version of you a different but likely version of you if you didn't exist as you do today because right now you know you're you're an apartment buyer you're a great marketer you're an entrepreneur.   Joe Fairless (31:38.164) I'd say I really enjoy coaching my daughter in soccer. I do not know soccer. I grew up in Texas. I played football. I played baseball. I ran track in that order. There wasn't a soccer option or maybe even a soccer ball in Texas when I was growing up. But I enjoy coaching and in an alternative universe, I would   I would do more of that because time is, it flies whenever I'm doing that.   Seth Bradley, Esq. (32:15.036) Awesome, awesome. All right, Joe, for our listeners out there, what can they find out more about you?   Joe Fairless (32:21.494) You can go to AshcroftCapital.com and if you're looking at passive investing or if you're an operator or someone who is partnering with others, then my conference is a good place to be. It's besteverconference.com. It's gonna be March 3rd and 4th in Salt Lake City this year.   I can get a discount code to your people too.   Seth Bradley, Esq. (32:52.51) Great, yeah, I'll drop that in the show notes and I'll see you there, Joe. So we'll shake hands in person. So thanks again for coming on the show. Really appreciate it and we'll catch you next time.   Joe Fairless (32:57.304) Sweet. Awesome.   Joe Fairless (33:05.518) You know what, in just a second, I'm gonna just tell you the code, that way you don't have to do any work. Whenever I do a podcast and someone says, I'll send it to you, I'm like, more work for me to do later. So, all right, here's a code. Hurry 25, it'll be 25 % off all ticket types. H-U-R-R-Y, all lowercase, and then number 25, you get 25 % off all tickets, except for the LP ticket.   Seth Bradley, Esq. (33:09.917) Okay.   Seth Bradley, Esq. (33:13.808) Yeah, I know then you gotta follow up.   Seth Bradley, Esq. (33:35.924) Let's roll right into these million dollar questions and then I'll let you go.   Seth Bradley, Esq. (33:44.884) Alright Joe, let's jump into this. So, how did you make your first million dollars?   Joe Fairless (33:52.185) Same way I made my last one so spoiler alert. It's it's selling when a deal exited so The is probably The seventh or eighth Deal I had one million dollars on one transaction, right? Like is that chunk about? Yeah, I   Seth Bradley, Esq. (33:55.56) Hahaha   Seth Bradley, Esq. (34:12.767) Really million dollars in your net worth   Seth Bradley, Esq. (34:17.96) What puts you over the edge there? How did you grow that first million?   Joe Fairless (34:21.626) I lost my first million before I ever came across it. That was on the very first deal. It would just be, it'd probably be through an exit of a deal.   Seth Bradley, Esq. (34:26.056) Ha   Seth Bradley, Esq. (34:35.614) Sure, yeah, and I'll bet it's probably similar. mean, how are you gonna, how are you planning on making your next million dollars? Same thing, the apartments, all about apartments, man. I love it, singular focus, that's where it's at. mean, riches are in the niches.   Joe Fairless (34:41.144) Same thing. Yep. The apartments. All apartments. That's right.   Yep.   Seth Bradley, Esq. (34:52.564) All right, you're clearly in the top 1 % of what you do. What is it about you that separates you from the rest of the field?   Joe Fairless (34:58.958) Mmm.   I do what I say I'm gonna do. And sadly, that separates me from a lot of people, not all people.   but that's a big focus of mine. And it's not about my, I recently read something that resonated and that was don't focus on your reputation, focus on your character. Reputation is such a vanity metric, but the character is who you are when no one's looking and being proud of who you are. And that's vital to me.   Seth Bradley, Esq. (35:37.524) Yeah, and it's not just saying what you're going to do to other people, but also with yourself, right? To yourself.   Joe Fairless (35:43.726) Mmm good point. Yeah when you're when when I'm on those runs and I can just stop Whenever I want But then I'll be I'll know I'll know I didn't go through this, you know, you know made up finish line that I had predetermined in my head and And that's that's there's there's something to be said there. I'm glad you brought that up   Seth Bradley, Esq. (36:10.644) Yeah, that's that's the key right? It's not just when somebody when it's dependent on somebody else or somebody else is watching It's you know, what do you do when nobody's watching and what do you do when it's just a promise to yourself? Do you follow through do you keep those promises things as easy as hey when you set your alarm in the morning and you wake up Do you do you get up or do you hit the snooze button? Like you made a promise to yourself the night before to wake up and get up when that alarm goes off Do you keep that promise?   Joe Fairless (36:15.415) Mm-hmm.   Joe Fairless (36:25.229) Yeah.   Seth Bradley, Esq. (36:39.12) Awesome. All right, brother. I think that should do it. I will see you. I'll see you at BC, man.   Joe Fairless (36:46.42) Awesome. I appreciate it. yeah, if anything you can do to help get to get the word out about the conference to your email list, I'd appreciate that also. All right. Thanks, Seth. All right. Bye.   Seth Bradley, Esq. (36:57.404) Absolutely. All right, brother. Talk soon. See you. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en   Joe Fairless's Links: https://www.facebook.com/imjoefairless https://x.com/joefairless https://www.linkedin.com/in/joefairless/ https://ashcroftcapital.com/our-team/joe-fairless/ https://www.instagram.com/besteverpodcast/?hl=en

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training We've been talking about AI on this podcast for years — not just as the next shiny tool, but as the biggest shift agencies will face this decade. Yet most agencies still haven't done more than dabble. Meanwhile, their competitors (or even their clients) are using AI to move faster, make sharper decisions, and drive results that leave everyone else scrambling to catch up. If you're still on the sidelines, you're already behind. Today's guest is clear about the game-changing role of AI in the agency world. He argues it's not just about making your shop more efficient — it's about driving better client results, delivering faster, deeper insights, and adding to your bottom line. Agencies that fail to embrace AI risk being outpaced by clients who bring it in-house or by competitors already using it to gain an edge. To stay competitive, you have to take a forward-thinking approach that uses AI to scale operations, increase client value, and keep your best people. Phil Parrish is the co-founder & President of PrograMetrix, a boutique programmatic advertising agency that also crushes it in paid search and paid social. Celebrating their 10-year anniversary this past April, Phil's team has stayed nimble, focused, and mighty — helping clients dominate their digital paid media while driving real, measurable results. He'll discuss his vision on AI, how he's using it as a multiplier, and why that are not already adapting their processes to include this technology, will be exposed. In this episode, we'll discuss: Navigating pipeline churn anxiety. Delivering quick wins with AI. Why agencies that don't adapt will get exposed. Focus on the wins, not just the tasks. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Betting on Yourself (And Getting Clients to Bet on You Too) Phil didn't stumble into agency ownership by accident, but he didn't overcomplicate it either. He built strong client relationships over the years, recognized the moment when he thought, “I can do what this company does — why not do it for myself?” and took the leap. With clients ready to follow, he launched PrograMetrix and started generating revenue quickly, sidestepping much of the risk that keeps many would-be agency owners stuck. The takeaway? If you've built trust and consistently delivered, clients will follow when you launch your own shop. Relationships and results are your best startup capital. Navigating Uncertainty Without Panic Every agency owner hits moments of chaos—those “Are we going under?” nightmares that keep you up at 3 AM. So far, Phil's journey hasn't quite hit the “we can't make payroll” panic, but pipeline uncertainty and client churn anxiety were very real, especially during COVID-19. Ironically, the pandemic ended up being a huge growth driver. As trade shows and in-person events vanished, clients who were spending six figures on live events had to redeploy budgets digitally. PrograMetrix was perfectly positioned to catch that wave. “You've got to have a good business plan, offer strategic value, make smart bets, and stay laser-focused when your back's against the wall.” It's a solid reminder: when chaos hits, the cream rises. The agencies that pivot fast come out stronger.   AI: Beyond Social Posts and Rocket Emojis Let's get real: most agencies are looking at AI like it's a shortcut to crank out social posts and blog content (and yes, that's part of it). But Phil's approach is a level above—he's integrating AI deeply into PrograMetrix's operations to enhance speed, insights, and performance, not just save a few hours per week. In his view, agencies that have depended on time as their inventory and work on the basis that the more time they can utilize the more revenue they can drive will struggle unless they modernize operations using AI. For its part, Phil's agency is building a proprietary product using a licensed data warehouse, pulling data from all their platforms (The Trade Desk, Meta, Google, TikTok, LinkedIn, etc.), and using AI to run advanced queries and develop unique optimization techniques. The end goal would be to deliver faster, clearer, and more impactful insights that clients can't get by simply logging into their ad accounts. The bottom line: If your agency isn't embedding AI into how you operate and deliver, not just as a tool to “save time,” clients will either bring it in-house or go with an agency that does. The market is moving, and speed and value are non-negotiables if you want to win and retain serious clients. Delivering Quick Wins and Story-Driven Insights Mid-market and enterprise clients dropping six to seven figures on ad spend need to feel your authority and your velocity from day one. They need to breathe easier knowing your agency has it handled, and they need to see progress fast, or they'll be out. Using AI, Phil's agency uncovers insights like: Path to conversion (impressions and touchpoints before a sale) Channel impact across the funnel Audience segment insights Messaging that drives real ROI They're not just sending reports but turning complex data into actionable stories for their clients. If you're still measuring your agency's success by how much time you can bill rather than how much impact you can deliver, it's time to rethink your model before your clients rethink you. Why Agencies That Don't Adapt Will Get Exposed Look, AI isn't going to wipe out agencies. But it will wipe out agencies that are stuck operating like it's 2015, coasting on outdated processes, and sending the same recycled reports clients can pull themselves. AI is like the giant scoreboard in baseball, showing every advanced stat in real-time. Agencies that are half-assing delivery can't hide anymore. If you're running bad ads, AI will show your client you suck, and you'll get fired. (Like the agency I just fired.) AI won't kill the agency model, but it will expose agencies not using best-of-breed tools to deliver value faster. AI as a Multiplier, Not a Threat — and Saves Him $200K Phil is using AI as a force multiplier to: Deliver faster, clearer insights for clients Optimize campaigns for even a 2-3% lift that compounds over time And they're doing this without having to invest in new talent at the rate they otherwise would have. As Phil says, “if we can skip hiring one or two traders, that's a $200K swing to the bottom line.” And it's not because he doesn't value his team—he's investing in making his team better. AI helps smart people do better work, get better results, and actually enjoy their jobs. Clients see more value, your agency scales efficiently, and your team sticks around longer, reducing churn and recruitment costs. It's About Buying Wins, Not Just Doing Tasks If you've seen Moneyball, know Billy Beane reinvented baseball by focusing on “getting on base,” not vanity stats. Agencies should think the same way: What are your “get on base” moves that drive client results? Are you outcome-driven and problem-solving, or are you a task rabbit waiting to be replaced by AI? When clients have big challenges, do they come to you first, or are you stuck doing low-value production work? If it's the latter, it's a sign to reposition your agency now. If you don't, you're writing your own exit letter from the industry. Make AI Use Mandatory, Not Optional As an agency leader, it's time to go all-in on integrating AI across all SOPs, not just as an add-on for the leadership team. Why? Because this tech: Makes employees more valuable in the marketplace Makes them happier by removing annoying, low-leverage tasks Keeps your team aligned with your agency's growth goals Before they started using AI prompts to understand how to optimize a campaign or improve performance, their campaign managers were conducting huge Excel exports. Now they can focus on strategy. If you're the only one using AI in your agency, you're toast. You need to lead, train, and require your team to use these tools to become outcome-focused problem solvers rather than task executors. Stop Being Fearful. Start Doing If you're feeling fear around AI, that's normal. But you'll stay scared if you don't start using it. Phil's team didn't wait for a perfect moment; they're actively building, testing, and refining AI use across their delivery and ops. The agencies that will win over the next 3-5 years aren't the ones worrying about AI—they're the ones using it to solve bigger problems faster for their clients. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Headlines and a look at the action in Royal Portrush this week for the 2025 Open Championship. Rory's returning to his home course, Scottie's the favorite, but his putter isn't playing along and will weather be a factor in Northern Ireland? We discuss it all! There's still time to play the Major Golf Challenge- https://933kjr.iheart.com/content/2025-04-03-the-2025-majors-golf-challenge-us-open-edition/ :30- It's Trade Deadline Month Day! We have focused a lot on the offensive needs for the Mariners, but they also need a bullpen piece, so today we take a look at Twins relievers Griffin Jax and Jhoan Duran. Both are ready to make arbitration money, so it seems highly likely that the Twins would look to sell them. Duran added to your lineup would really be something! Brash, Duran and Muni… yes please! His salary won't get in the way and you'd have 2 more years of control. Jax doesn't have the speed of Duran, but he has 66 strikeouts in 41 innings and seems to be improving every month. Makes less money with the same amount of control. :45- It's like the MLB has answered all of Chuck's prayers… well, most of them. He just has a couple more requests and then he's done! See omnystudio.com/listener for privacy information.

I've been eating too many of the Daily Bread lamb pies lately as our local coffee hut here at the beach has started stocking them. They are too good, but they'll send me broke, so I've worked on recreating one at home and it's sensational! Meltingly tender lamb and a mix of spices that just hum with flavour. Makes 4-6 single serve pies Ingredients 2 tablespoons olive oil 1 large onion, diced 800g-1kg diced lamb, I used 2 rumps 2 cloves garlic, chopped 1 heaped tsp turmeric powder 1 tsp each coriander powder, ground cumin, paprika ½ tsp ground ginger 1 tsp sea salt & ¼ tsp white pepper 400g tinned crushed tomatoes Water 300g flaky puff pastry Egg wash Sesame or cumin seeds for pie tops Method Heat the oil and sauté the onions until softened. Add in diced lamb and brown. Add spices and cook for 2-3 minutes until your kitchen smells glorious. Add in crushed tomatoes and enough water to just cover the meat. Cover tightly with a lid and cook for 1 hour until lamb is very soft. Shred some of the lamb with two forks, leaving some pieces whole. Cool. Make the pies: Preheat oven to 190 C and place a tray in to heat. Use half the pastry to line the pie tins (see note). Brush the pastry edges with water or egg wash. Fill with cooled filling. Roll and stretch remaining pastry until it is very thin, and use for the lids of the pies. Seal the edges well. Use a sharp knife to slash the tops of the pies with a few times – this let's the air escape. Brush with egg wash and sprinkle with sesame or cumin seeds. Bake on the preheated tray for 40 minutes or until the pastry is golden brown. Leave to sit for at least 10 minutes, for ease of eating. Nici's Note: Use a 6-hole Texan muffin tin instead of individual tins. LISTEN ABOVE See omnystudio.com/listener for privacy information.

I asked Grok what the 5 biggest struggles men aged 25-45 face with regards to their fitness. That demographic is the biggest group of listeners to this podcast, and it's also me. So I'm right there with you. Grok scraped X and the internet to gather up the 5 biggest and most common struggles. I gave my thoughts and possible solutions to each. Here are the 5 struggles I spoke about: Time constraints related to work and family responsibilities.Physical decline (metabolism, testosterone, muscle mass)Poor dietary habitsMental health and motivationInjuries None of these are terribly surprising, these are all common issues I hear from clients, people online, and friends in this demographic. Makes a ton of sense. And, for what it's worth, women often struggle with these same things. People are people. But I went through each of these, gave my take on the source of some of the struggle, and then several different possible solutions to each of them. If you or your friends struggle with any of these, please listen and share it with them. I'm here if you need help, enjoy! The best way to support the podcast is to share the episode with a friend. You can support yourself and the podcast by applying for 1:1 online coaching here. Grab my FREE Protein Cheat Sheet HERE.  Grab my FREE Muscle Building Workout HERE. Join 1000's of others in receiving the best fitness tips, tools and tactics for free via the Sunday Meal Prep newsletter. Share this episode with a friend who would enjoy or benefit from it! Comments, questions, and feedback are greatly appreciated. If you enjoy this podcast, I would be extremely grateful if you subscribed and left a short review on iTunes or rating on Spotify.  It really helps to spread the message and ultimately help more people.  Website danielyores.com Connect with me on Instagram @danielyoresConnect with me on X @danielyores Podcast Cover Art by @octopuslegss

It shouldn't surprise any of us that the Trump administration now wants to tell us that there's nothing to see when it comes to the Epstein files. Makes a lot of us wonder how many people's names are on that list and what impact it would have on the world population if that information was released in full. I guess we'll never know, but people like Ben Shapiro would have you think that you should believe the folks in power. And on the Shapiro front, he now wants you to distrust anyone who commented on the bombing of Iran nuclear facilities as potentially harmful to the U.S. The same guy who spouted all the wrong Covid nonsense and was pushing the vaccines wants to tell you who you should have faith in as far as the "truth" goes.Become a supporter of this podcast: https://www.spreaker.com/podcast/missouri-liberty-report--4329356/support.

Qool DJ Marv Live at Soho House Manhattan - July 3 2025 - Makes a Differencehttps://sohohouseny.com/        +    Artwork: https://www.bettyblayton.com/about-betty-blayton   ---      https://www.youtube.com/channel/UC5gQLsodBsCys1_3Zbm83vg     https://podcasts.apple.com/gb/podcast/qool-dj-marv-aural-memoirs-and-buttamilk-archives/id269880758     https://music.apple.com/us/artist/qool-dj-marv/1558418894    https://bsky.app/profile/qooldjmarv.bsky.social     https://www.instagram.com/qooldjmarv/    https://qooldjmarv.bandcamp.com/album/sound-paths-v-1    https://tidal.com/browse/artist/23883666    https://www.mixcloud.com/qooldjmarv/    https://open.spotify.com/artist/48vhJ2d1hVaFHf6gqXeTm0?si=fWO0N456QeWRMWLUtqe4Yg    https://soundcloud.com/qooldjmarv    https://www.twitch.tv/qooldjmarv    https://www.paypal.com/paypalme/QoolDJMarvMusic 

The Difference That Makes the Difference: NLP and the Science of Positive Change by Josh Davis, Greg Prosmushkin https://www.amazon.com/Difference-that-Makes-Science-Positive/dp/1250349087 Take control of your life and create profound change today using NLP and the science of positive change! Learn why people resist change, why they sometimes embrace change, and how to lead change quickly and in lasting ways. It all comes down to finding the difference that makes the difference for each person and context. Neurolinguistic Programming (NLP) is great for finding that difference. NLP helps us understand what makes people tick. When we understand how they think, feel, and act in key situations, we have the raw material with which to make change happen, often quickly and profoundly. In the 1970s, a linguist and his partner studied the language patterns and nonverbal cues of great psychotherapists, as well as how people are affected by the systems they're part of. The two pinpointed key aspects of what enables human beings to change. Their findings formed the basis of NLP. Since then, NLP has often been taught to therapists and life coaches aiming to master one-on-one interactions in those contexts. When the lawyer Greg Prosmushkin discovered NLP, he realized how incredibly valuable these tools could be outside a therapy context. How to communicate with confidence, model excellence, and influence your own and others' thoughts, feelings, and behaviors are useful for many people in many situations. Greg used NLP to make huge breakthroughs in his trials and to step into his own as an entrepreneur. In 2022, Greg met Josh Davis, PhD, a Columbia University PhD who studied psychology and neuroscience, and the Founder and Director of the Science-Based Leadership Institute. Josh is an NLP expert who grew up in the 1970s and 80s as the child of two pioneers in the field of NLP. He's an NLP native. He's been training others to use NLP for over a decade. Josh is also the internationally best-selling author of Two Awesome Hours, a science-based set of strategies to work less and get your most important work done. Greg and Josh set out to make NLP easily accessible for everyone. They show how the tools of NLP can be used by anyone in their daily work and personal lives, and connect these actionable tools to the science of change. The Difference that Makes the Difference is a result of their rigorous and dedicated collaboration. In this book, readers learn how to: -Communicate with confidence -Model excellence, to learn and master new skills -Influence their own and others' thoughts, feelings, and behaviors in positive ways -and much more! You'll get: -Step-by-step instructions with tips -Guided prompts to follow that help you apply these time-tested tools to your own specific needs -Examples of how to use the tools in everyday situations -Simple explanations of the theory and science behind the tools -Clear explanations of why the tools are so powerful NLP has been time-tested for fifty years, but until now it has only been accessible for a select few. Books and methods of teaching NLP were complex because the subject matter was highly sophisticated and derived from the work of professional psychotherapists. Greg Prosmushkin and Josh Davis, PhD have spent a combined 35+ years studying and unlocking the value of NLP. Josh has been teaching these concepts and tools in specialized NLP trainings, as well as one-on-one and group coaching settings, to Fortune 500 audiences and beyond. They have been using these concepts and tools in their professional practices of trial law, entrepreneurship, and leadership development. They have made a careful study of how to make the complex simple to learn and apply. It's time to move past simply waiting and wishing for your life to be different―dive into the tools of NLP and the science behind change that supports those tools,

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We dive into Nucleus Genomics, a startup backed by the Founders Fund, that wants to help you evaluate, rank, and name your embryos in a pre-IVF dashboard designed for “genetic optimization.” We talk about the junk science and wild ideologies that drive these desires to treat your genes and children like assets to be managed – with the ultimate goal of creating and enforcing a society ordered by genetic hierarchies. We then wrap up by tying these biotech visions to their AI counterparts in the “Gentle Singularity.” ••• This 25-Year-Old Biotech Founder Says His Startup Can ‘Optimize' Embryos for Intelligence https://www.inc.com/ben-sherry/kian-sadeghi-says-nucleus-genomics-can-optimize-embryos-for-intelligence/91198815 ••• Controversial genetics testing startup Nucleus Genomics raises $14M Series A https://techcrunch.com/2025/01/30/controversial-genetics-testing-startup-nucleus-genomics-raises-14m-series-a/ ••• Genetics testing startup Nucleus Genomics criticized for its embryo product: ‘Makes me so nauseous' https://techcrunch.com/2025/06/06/genetics-testing-startup-nucleus-genomics-criticized-for-its-embryo-product-makes-me-so-nauseous/ ••• OpenAI wins $200m contract with US military for ‘warfighting' https://www.theguardian.com/technology/2025/jun/17/openai-military-contract-warfighting ••• This is the gentle singularity? https://www.bloodinthemachine.com/p/this-is-the-gentle-singularity ••• China shuts down AI tools during nationwide college exams https://www.theverge.com/news/682737/china-shuts-down-ai-chatbots-exam-season Standing Plugs: ••• Order Jathan's new book: https://www.ucpress.edu/book/9780520398078/the-mechanic-and-the-luddite ••• Subscribe to Ed's substack: https://substack.com/@thetechbubble ••• Subscribe to TMK on patreon for premium episodes: https://www.patreon.com/thismachinekills Hosted by Jathan Sadowski (bsky.app/profile/jathansadowski.com) and Edward Ongweso Jr. (www.x.com/bigblackjacobin). Production / Music by Jereme Brown (bsky.app/profile/jebr.bsky.social)

Makes sense to me.

Today we're going way, way back to talk about a man with way too many names, so they just called him Baybars. A Muslim from the Crimean Peninsula, which means he probably looked like one of those Dagestani MMA guys. Makes sense because he was definitely not someone to fuck with. But people did it anyways. Repeatedly! And talk about rising the ranks. He got every possible promotion there was then just started dogwalking everyone he could find when there was no heights left to achieve. So enjoy!

What does it take to turn a breast cancer diagnosis into a mission to help others? Carol Grimaldi is the co-founder of Together in Pink, an organization born from her own breast cancer experience. In this episode, you’ll hear how Carol: Brings comfort bags to women going through chemotherapy Uses movement and Zumba as a tool for healing Makes sure women understand their own diagnosis Dorothy talks with Carol about how she learned to face tough decisions and why knowing about your breasts could save your life. Learn more about Together in Pink HERE. Support The Rose HERE. Subscribe to Let’s Talk About Your Breasts on Apple Podcasts, Spotify, iHeart, and wherever you get your podcasts. Key Questions Answered Who is Carol Grimaldi and what is her role in Together in Pink? How did Carol's journey with breast cancer begin? What is Carol’s professional background outside of her advocacy work? What was Carol’s immediate emotional and practical reaction to her diagnosis? How did Carol’s family react and support her during her diagnosis and treatment? What type of breast cancer did Carol have, and what treatments did she undergo? How did Carol continue working and maintain her Zumba involvement during treatment? What prompted the founding of Together in Pink, and how does it support patients? What challenges exist in spreading breast cancer awareness in different communities? What main message does Carol want women to understand about breast cancer? How did personal health challenges in Carol’s family reinforce her advocacy? What advice and resources does Carol give to women going through breast cancer? Timestamped Overview 00:00 "Carol Grimaldi: Together in Pink" 04:00 "Unexpected Breast Cancer Diagnosis" 08:26 "Breaking Tough News at Dinner" 11:04 Breast Cancer Journey and Discovery 14:27 Doctor's Ultimatum: September Deadline 19:57 Overcoming Intense Pain 20:33 Chair Dancing Transformation 24:09 Zumba, Night Activities, Family Travels 27:52 Understanding Breast Cancer Diversity 30:25 "Purpose Through Adversity" 34:49 Supportive Fitness for Tough TimesSee omnystudio.com/listener for privacy information.

MOST  important as we get older...let someone know where you are...whether in a club or hunting by yourself...Make sure that other hunters are aware of when you plan to be out...and where your stand, rig, or hunting area is located.   Makes a big difference if you need the help!100% Absolutely...Positively...Wild N True'...POWERFUL OUTDOOR ACTION

Makes for a perfect silly game. Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

On this episode, Patrick and Neel discuss Barcelona signing Joan Garcia to be their goalkeeper of the future, Wolves signing Fer Lopez and if it makes sense, Marcus Rashford being linked to Newcastle, and Liverpool's transfer strategy and just how much they will spend this summer. The episode ends with discussion of PSG's interest in Illia Zabarnyi, Alberto Moleiro to Villareal, and Emi Martinez to Manchester United. Enjoy! Kim's newsletter on Rashford and more:https://www.thetransferflow.com/p/newcastle-closing-in-on-future-england-no-1-goalkeeper-36e0 Subscribe to our FREE newsletter: https://www.thetransferflow.com/subscribe Join Variance Betting: https://www.thetransferflow.com/upgrade Follow us on our Socials: YouTube: https://www.youtube.com/channel/UCe1WTKOt7byrELQcGRSzu1Q X: https://x.com/TheTransferFlow Bluesky: https://bsky.app/profile/thetransferflow.bsky.social Instagram: https://www.instagram.com/thetransferflow/ TikTok: https://www.tiktok.com/@transferflowpodcast Timestamps: 00:00 - Intro 00:56 - Barcelona and Joan Garcia 02:21 - Barcelona needed an upgrade at GK + ter Stegen injury 03:45 - Garcia's height and command of his box 04:38 - Questions about his sweeping ability? 06:00 - Barca's overall short squad 06:43 - ter Stegen's beef with the club 08:01 - Nico Williams should not happen, but it might + Man City crime spree 09:24 - Wolves bring in Fer Lopez 10:18 - Lopez' skillset 11:35 - Does the fee make sense? 13:14 - 3rd largest sale in Celta Vigo history 14:00 - Taking a gamble on this kind of player 15:38 - Cunha replacements and Wolves' transfer strategy 17:00 - Marcus Rashford to Newcastle? 17:49 - His time at Aston Villa 18:33 - What wages will he want? And What position would he play? 19:47 - This will be a huge gamble 21:31 - Newcastle have money, but can't afford to have too many misses 23:04 - Quansah to Liverpool 23:44 - Liverpool's spend so far this summer 24:20 - Quansah's potential + Fit at Liverpool going forward 26:10 - Liverpool's need to find help for Konate and Van Dijk 26:54 - Liverpool's huge squad turnover 27:34 - Going all in this summer 28:58 - How much are they going to spend this summer? 350m? 30:07 - Ilya Zabani to PSG? 31:00 - Makes sense for PSG + better than Huijsen? 33:21 - Is the fee too high? Does it matter because it's PSG? 35:26 - Alberto Moleiro to Villareal + Player profile 37:01 - Alex Baena replacement? 38:46 - Is the fee fair? 40:09 - Emi Martinez linked to Manchester United 40:59 - Martinez = Overrated? 42:04 - Maybe he's an upgrade, but the fee is crazy 42:45 - Unstoppable force vs Immoveable object 43:43 - Where to find Neel

Dave Brisbin 6.22.25 Chances are, if you were raised in a Christian tradition, you learned that doubt was the enemy of faith, the opposite of faith, if you had any doubt at all you had no faith. Such learning goes deep and doesn't go away without a fight. Makes us so hard on ourselves, feeling the inevitable doubts of uncertain human life only to pile on the condemnation of childhood. Making matters worse, we read the gospels to see the first followers of Jesus drop their nets, their entire lives, to follow him at their very first meeting. These were men with wives and children, livelihoods supporting their households. They left all that at the first meeting with a stranger? Is that the bar for faith? We make a fundamental error in assuming that the first mention of a person meeting Jesus is also their first meeting. In Matthew and Mark's gospels, Andrew and Peter are first mentioned following Jesus immediately, but was that their first meeting? In Luke, Jesus walks into Peter's house as if he lives there and heals his mother-in-law a chapter before he calls Peter to follow. And in John, Andrew meets Jesus first, then persuades Peter to come, while other disciples are gathered over time. First mention is not the same as first meeting. The decision to follow Jesus was a gradual process as with the development of any human relationship. They met, got to know one another, sat in each other's homes with a growing realization of who Jesus was. Luke relates that Jesus gets in Peter's boat at the end of an unsuccessful day of fishing and asks him to put out a little way from shore so he could address the pressing crowd. After speaking, he tells Peter to put out into deep water where they catch more fish than they can haul. Putting out a little way, little risk, to hear the logos or propositional truth is always the first step. Putting out to deep water to hear the rhema or living call to action is the moment truth becomes more than we can haul. Even then, Peter is still wracked with doubt. Doubt is not the opposite of faith. Faith needs doubt as courage needs fear. Answering the call in spite of our doubts is the best humans do.

Dave Brisbin 6.22.25 Chances are, if you were raised in a Christian tradition, you learned that doubt was the enemy of faith, the opposite of faith, if you had any doubt at all you had no faith. Such learning goes deep and doesn't go away without a fight. Makes us so hard on ourselves, feeling the inevitable doubts of uncertain human life only to pile on the condemnation of childhood. Making matters worse, we read the gospels to see the first followers of Jesus drop their nets, their entire lives, to follow him at their very first meeting. These were men with wives and children, livelihoods supporting their households. They left all that at the first meeting with a stranger? Is that the bar for faith? We make a fundamental error in assuming that the first mention of a person meeting Jesus is also their first meeting. In Matthew and Mark's gospels, Andrew and Peter are first mentioned following Jesus immediately, but was that their first meeting? In Luke, Jesus walks into Peter's house as if he lives there and heals his mother-in-law a chapter before he calls Peter to follow. And in John, Andrew meets Jesus first, then persuades Peter to come, while other disciples are gathered over time. First mention is not the same as first meeting. The decision to follow Jesus was a gradual process as with the development of any human relationship. They met, got to know one another, sat in each other's homes with a growing realization of who Jesus was. Luke relates that Jesus gets in Peter's boat at the end of an unsuccessful day of fishing and asks him to put out a little way from shore so he could address the pressing crowd. After speaking, he tells Peter to put out into deep water where they catch more fish than they can haul. Putting out a little way, little risk, to hear the logos or propositional truth is always the first step. Putting out to deep water to hear the rhema or living call to action is the moment truth becomes more than we can haul. Even then, Peter is still wracked with doubt. Doubt is not the opposite of faith. Faith needs doubt as courage needs fear. Answering the call in spite of our doubts is the best humans do.

Yes!  You are in!  Have you been judged lately?  This broken planet has gone bonkers on judging each other...super fueled by biased media and algorithims to feed you only one side of a story.  Everyone is convinced they are correct.  So how do you stand out?  If you are so brave, here you go...Thank you Kenton Beshore, guest speaker at SW Church in Indian Wells, CA.  Kenton is one of my favorite teachers.  I so appreciate how God has wired him.  He's edgy yet comes with the Word and Truth.  Tough love.  Makes his audience respond.  Very interactive.  You can hear more about that message at the YouTube link right here, in the show description...https://youtu.be/ZAiEf_uhMEg?si=3YbuSdQ1ReA7aR0NSo how about you?  I know you are being judged too much.  How about in return?  How's your judging ratio?Confession, I can improve.  My two weak points seem to be politics and the road.  Matt 7: 1-61 “Do not judge others, and you will not be judged. 2For you will be treated as you treat others. The standard you use in judging is the standard by which you will be judged.3 “And why worry about a speck in your friend's eye  when you have a log in your own? 4How can you think of saying to your friend, ‘Let me help you get rid of that speck in your eye,' when you can't see past the log in your own eye? 5Hypocrite! First get rid of the log in your own eye; then you will see well enough to deal with the speck in your friend's eye.6 “Don't waste what is holy on people who are unholy.  Don't throw your pearls to pigs! They will trample the pearls, then turn and attack you.Matt 7: 1-6, NLThttps://www.bible.com/bible/116/MAT.7.NLTOne of my favorite sayings, "We are all religious...in something(s)."  That is a fact Jack and the truth Ruth.  Some of you say religion is a crutch and I'll ask you back, what is your crutch?  You don't get to say nothing...for it is something:  love interest, money, sex, drugs, alcohol, politics, cars, boat, house, a movement, pick your topic du jour., free this or that change or no ______.    We can see via your social media or just give me 10 minutes with you and I'll be able to tell real quick what is your religion.  For with any hard core religious person comes...judgement!  They will judge you...whether you be blue or red or purple.  So when someone is coming down hard on you, simply say, ooooooh, religious.  You are really religious with that.  If you happen to call Christianity your religion, well are your Jesus' words in Matthew enough for you?  They should be.  Me too.  I'm going to work on that...every day until the day I die.  Matt 22:  36-40.

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Thursday June 19, 2025 Theme: As disciples walk on into the age of the church without Christ present, they will need God's help for consistent faith to do the works of God and not take... for full notes: https://www.cgtruth.org/index.php?proc=msg&sf=vw&tid=3167

Angel Studios https://Angel.com/ToddBecome a Premium Angel Studios Guild member to watch The King of Kings, stream all fan-curated shows and movies, and get 2 free tickets to every Angel Studios theatrical release. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bioptimizers https://Bioptimizers.com/toddEnter promo code TODD to get 10% off your order of Berberine Breakthrough today.Bizable https://GoBizable.comUntie your business exposure from your personal exposure with BiZABLE.  Schedule your FREE consultation at GoBizAble.com today.  Bonefrog https://BonefrogCoffee.com/toddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today.Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/ToddLISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeDid someone say “No Kings!”? // The Incelling of Fiction. // God Made Brains Changeable.Episode Links:“Do I own three residences? Yes I do.” A beautiful home in Burlington. A place in Washington. And a “summer camp”. “That's it!” -No King SandersHere's Randi Weingarten leading a "No Kings" rally today. Abolish teachers unions.Why is big government trying to shut down #amosmiller, a 5th-generation Amish farmer with zero complaints in 25 years? Big tech and pharma! The Amish way threatens their control. Makes you think, doesn't it?Young Adult authors have been told their audience doesn't read books written in “Third-person, omniscient” perspective. This thread explains why and WHY it's important.Scene from Adolescence Negative thoughts might be changing your brain in surprising ways, study suggestsResearch shows negativity bias correlates with depression, anxiety and memory problemsBen Zeisloft on Twitter - Read the testimony of my friend, Kyle Hacker, as he describes his journey from homosexuality and transgenderism to freedom in Jesus Christ, and most recently to the joys of marriage!Dr. Miriam Grossman: “We are seeing the detransitoners stand up after a few years of so called gender affirming care and saying Why did you let this happen to us? How did you doctors do this to me?”What Does God's Word Say?Philippians 4:8 8 Finally, brothers and sisters, whatever is true, whatever is noble, whatever is right, whatever is pure, whatever is lovely, whatever is admirable—if anything is excellent or praiseworthy—think about such things.

Walking through the 10 most important aspects of Trump's Big, Beautiful Bill. I cover the aspects I believe are beneficial as well as the biggest downside. A concerning increase in the national debt...0:00 Introduction0:10 Makes 2017 Tax Cuts Permanent1:14 MAGA Savings Accounts For Babies2:00 Stricter Work Requirements for Medicaid2:16 Tax-Free Tips, OT Pay & Car Loan Interest3:37 $70B for Security Border3:54 $150B Boost in Military Spending4:38 Ends Clean Energy Incentives5:44 SALT Cap Raised from $10k - $40k6:40 Judicial Oversight Limited6:55 Adds $4 Trillion to National DebtWant a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault______________________________________________ Learn More About BetterWealth: https://betterwealth.comDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

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Google is slow. Bob can't get into Streamyard, and his 1980s computer equipment is on the fritz. Tom's camera is turning itself off. Makes you feel like you're in the Twilight Zone. But not all is lost: the Tony awards were apparently surprisingly watchable. You know, if you actually like broadway theater.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Author and financial expert, Chris Whelan, joins Keith as they explore the intricacies of the housing market's potential future. Chris drops an intriguing prediction of a possible 20% price correction. They dive deep into the complex world of real estate, examining the pandemic's significant impact on mortgages and economic trends. The conversation reveals the behind-the-scenes challenges of the housing market, from government interventions to the nuanced effects of interest rates and forbearance programs. They unpack the struggles in commercial real estate, particularly highlighting the unique challenges in markets like New York's rent-controlled properties. Chris's new book "Inflated: Money, Debt, and the American Dream" promises an insightful journey through America's economic transformation, tracing how the nation evolved from an agrarian society to a global economic powerhouse. Show Notes: GetRichEducation.com/556 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, what's the state of the housing market for the next five years, and could what's happening in the foreclosure market affect it? I see relative housing market price stability. My guest sees cracks. This could be somewhat of a debate today, then two great new cash flow and real estate markets in the same state that we're helping your portfolio with on get rich education, mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter, remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Corey Coates  1:56   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:12   Welcome to GRE from Edison, New Jersey to Edinburgh, Scotland, where I am today, and across 188 nations worldwide, I'm Keith Weinhold, and you are back for another wealth building week on get rich education. Today's guest came to me recommended. It came from a guest that we've had on the show here before, Jim Rickards and his daughter Ally Rickards. His name is Christopher Whelan. He has a distinguished background. Comes from a prominent family, and he's the author of a new book that just published a few weeks ago. His father, Richard Whelan, was the biographer of Joe Kennedy, and was advisor to presidents and Fed chairman and today's guest, his son there, Chris. He has done a lot of work in DC. He lives just north of New York City today. So I guess coming recommended from Jim Rickards and learning a few things about today's guest helped me want to host him on the show. So though I'm just meeting him for the first time right here on the show, as it turns out, I learned that he has mentioned on other channels that real estate prices could correct down 20% and fall back to 2020 levels. I absolutely don't see how that's possible in any way. I'm going to bring that up with him, so we'll see. This could turn into somewhat of a debate. Like I said last week, I believe that significantly falling housing prices. That's about as likely as grocery store prices falling back to 2020 levels. Yes, I am in Edinburgh, Scotland today. It's my first time here. My mom, dad and also my brother's entire family came over from the US to meet up. It's been great. We're taking in all the best sites, Edinburgh Castle, other castles, the Scottish Highlands, Loch Ness, though I don't believe in any Loch Ness monster at all. I mean, come on, what a hoax. And we're seeing some other sites, though it didn't really interest the others, which I could understand. I visited the home where Adam Smith once resided, and I might put my video about that on our get rich education YouTube channel, so you could check that out over there. Of course, Adam Smith is considered the father of modern day economics for his work on supply versus demand and the GDP concept, the invisible hand, concept, much of that work conveyed in his magnum opus, The Wealth of Nations, published in 1776 as for the present day, let's meet this week's guest, including me, meeting him for the first time.     I'd like to welcome in a first time guest. He's the author of a widely acclaimed new book. It's named inflated money, debt and the American dream. It just released, and the book couldn't be more timely with the multitude of challenges related to inflation, many involving the housing market in his earlier books, he's been known, frankly, for just telling his readers the truth. He's worked at the Federal Reserve Bank of New York in politics and as an investment banker for more than 30 years. Today, he runs Whalen Global Advisors. You've seen him on CNBC in the Wall Street Journal, and now you're hearing him on GRE Welcome to the show. Chris Whalen.   Chris Whalen  5:43   Thank you, Keith, appreciate your invitation.    Keith Weinhold  5:45   Whalen is spelled W, H, A, l, e, n, if you're listening in the audio only, Hey, Chris, we're in a really interesting time in the economic cycle. We all know the Fed has a dual mandate, high employment and stable prices. What's interesting to me is, late last year, they cut rates by a full 1% and this is despite inflation being above target. Makes me wonder if they care more about high employment and they're rather willing to let inflation float higher. What are your thoughts?    Chris Whalen  6:18   I think historically, that's been the case. You know, the dual mandate Humphrey Hawkins, that drives the Fed's actions today was a largely socialist compromise between the Republicans and the Democrats. The Democrats wanted to guarantee everybody a job after World War Two, the legislation was really about soldiers and people who had served their country in many, you know, places around the world, for a long time, and then you would have the depression. So you had a whole generation or more of people that were looking for help when they came home. And that's what this was. But today, you know, there's another mandate, which is called keeping the treasury bond market open. We saw it was during COVID in 2020 President Trump got up, declared that people didn't have to pay their rent or their mortgages, and then didn't do anything. There was no follow up. At the time, folks in mortgage industry kind of looked at each other funny for about 60 days and said, What's going to happen? Because they have to advance principal, interest, taxes and insurance to protect the house. The first rule in mortgage finances protect the asset. But it all worked because the Fed dropped interest rates to zero and we had a boom. We refinanced two thirds of every mortgage in the United States, and that cash flow allowed the finance forbearance for millions of Americans. Now the unfortunate part, of course, was home prices went up double digits for six years. So why we had no affordability today? So, you know, it helped, but it certainly didn't help in some ways,   Keith Weinhold  7:48   mortgage loan forbearance back in the COVID era about five years ago, where you could basically just skip your mortgage payment and then they increase the overall duration of your loan period.   Chris Whalen  8:00   That's right. So you know, your government market, your conforming market, were falling. They also had various schemes, state forbearance for non agency loans. Nobody thought at all about the multifamily sector and the developers that didn't get paid for two years. And we're feeling the impact of that. Of course, today, that's probably the biggest pain point in US economy today is commercial real estate and multi family real estate, and neither one of them involves a consumer. So it gets no attention at all. You read about it in the specialty press, but that's about it.    Keith Weinhold  8:34   And by talking about multi family not affecting the consumer, you're just talking about who's on the owner side there?   Chris Whalen  8:40   precisely if all of the consumers have problems, you'd hear about it, and you do, especially in some of the blue states. I live in New York, so we have some of the more aggressive rent stabilization, rent control laws in the country. And they go back to World War Two. They go back almost a century,   Keith Weinhold  8:58   right? It's those people in the one to four unit space in residential real estate investing that really got the help there.    Chris Whalen  9:06   Well, at least, you know, the world didn't end. Imagine if all of those people had gone to foreclosure. The industry wouldn't have done that. Of course, they would have thrown up their hands and cried for help. But the point is, they made it work. But the cost of making it work that zero interest rate regime that the Fed put in place is still being felt today. If you look at banks which typically have prime large mortgages on their books, the loss given default is zero. Home prices are so high that if somebody actually goes to foreclosure, they sell the house, they pay off the loan easily, and there's usually a large residual left, which would go to the homeowner. So today, you know, if somebody gets in trouble, we do a short sale, we do a deed in lieu, and off they go. And that's why the stats don't show you the pain that many American families are feeling today, because about 60% of all payoffs of one to four family mortgages are people who. Are exiting the market, they're not going to buy another house. So what that means is that the cost of home ownership, or whatever other factors are involved, has made them make the decision not to go to another home mortgage.    Keith Weinhold  10:13   Yes, we have this historically low affordability that's beginning to be reflected in the home ownership rate. It's trended down from about 66 to 65% recently, we continue to be in this environment here, Chris in the one to four unit space, where those existing homeowners are in really good shape. They have record high equity levels of over 300k A lot of them have their home paid off. About 40% of American homeowners own their home free and clear, and of the remainder, those borrowers, 82% still have a mortgage rate of under 5% and of course, that principal and interest payment stays fixed. So even if there's economic hardship, it's pretty easy for people to make their payments and stay in their homes.   Chris Whalen  11:02   Well, it certainly is for most of the marketplace. If you look at the bottom 20% the FHA market, also the VA market, there's a little more stress there. There's still an awful lot of people who are in various types of forbearance in that market. That's going to end in October. So the Trump administration is pushing most of the rules back to pre COVID approaches for delinquency, for example, what we call the waterfall. And what that basically means is that if an FHA borrower gets in trouble, they'll have one shot at a modification where they lower the loan cost and stick part of the loan out the back to be paid off when the house is sold. If that doesn't take, if they don't re perform, then they're going to go to a foreclosure. We just ended another program for veterans. You know, they had three weeks notice, so now you're going to see a lot of veterans going to foreclosure. Unfortunately.   Keith Weinhold  11:56   yes, this administration is basically making sure that people are responsible or resume their payments. We've seen that student loan repayments needing to resume as well. Most foreclosure rate types are still pretty low, but yes, FHA foreclosure rates are higher than those for conventional loans.    Chris Whalen  12:15   Yeah, the interesting thing is, the veterans delinquency rate is half of the FHA rate, and even though people in uniform don't make a lot of money, they pay their bills. Yeah, it's quite striking.   Keith Weinhold  12:25   Why don't you talk to us more about areas where you see distress in the housing market before we talk about more inflation? Chris, the   Chris Whalen  12:34   key areas of housing stress at the moment are commercial real estate that has become underutilized. COVID drove a lot of this, but also the fact that industries could change their work practices. It could have people work from home. Look at housing. We sent everybody home in 2020 while we increased headcount by a third to address a surge in lending volume. It was insane. I gotta tell you, we were hiring people that we didn't see for months that changed the business model assumptions for a lot of industries. A lot of them moved out of blue states and went down to Florida and Texas. In the mortgage industry particularly, and so we have a lot of older real estate particularly, that is suffering. It has dropped in terms of appraised values. You also have higher interest rates and higher cap rates, that is to say the assumption of returns on the part of investors. So that hurdle has made a lot of these properties impaired, essentially. And then the other subclass is older multifamily properties. Think about those beautiful old apartments in the middle block up on the east side or the west side of Manhattan. They're not big enough to be viable, and so they have become this kind of subprime asset class, much in the way if you recall the signature bank failure, they typically bank these sorts of real estate properties, and now there's nobody that wants them. I think you're going to see some very specific pain coming out of HUD, and also Fannie Mae and Freddie Mac because they bank some of these smaller properties that really aren't bankable by commercial banks. That's what it comes down to. If you're going to read about this and hear about it a lot in the commercial market over next several years. And again, you know, the losses on bank owned multifamily properties today are averaging 100% so that means that there are a lot that have more expenses than simply losing the full loan amount. And you know, if you want to have a bank loan, they're not taking these properties. They don't want them, right? So the bank, REO rate, if you look at the data from the FDIC, is zero. And what that tells you is that they can't sell the properties they don't want them, because if they take ownership, the city's not going to let them abandon the property. They'll have to keep it and maintain it. It's a tough situation. This is. Has evolved over the last 20 years or so, because consumer incomes have been kind of stagnant in real terms. But the cost of operating a property in New York City is not going down. It's going up quite a lot, and the legislation we've seen from Albany doesn't allow owners to recapture expenses, doesn't allow them to renovate apartments. So if I have a rent stabilized apartment, I'll use a real example, in a beautiful building on Central Park South right, to renovate a unit that's been occupied for 20 years, new kitchen, new bathroom, sir, everything services. That's $150,000 so if I'm the owner and I can't recapture that cost. What do I do? I lock the door, I gut the apartment, and I lock the door, and I hope that the laws will change in the future, because I can't rent it, my insurance underwriter will not allow me to rent out an apartment that's not brought up to code. That's New York law, but the folks in Albany don't care about that. We have some really unreasonable people in positions of authority, unfortunately, in some of these states, and you talk to them about these issues, and they don't care. They just pander to consumers, regardless of whether or not it makes sense or not. And that's just the way it is.   Keith Weinhold  16:15   Those evil landlords, quote, unquote, most right evil. They're just mom and pop investors that are trying to beat inflation with real assets, and they have real expenses. Rent Stabilization basically just being a genteel term for rent control, which gives no one an incentive to improve a property for sure   Chris Whalen  16:35   and it reduces the availability of housing ultimately, because nobody builds. You see that in New York right now the home market is pretty tight, up to the conforming limit for Fannie Mae and Freddie Mac so you figure a million, 1,000,002 here in New York. But above that, it's quieted down quite a lot. There's compression in some of the higher end homes. And you know, if you go down south, you see a different problem, which is over building. They didn't want to build here, so they went down to the Carolinas and Texas and Florida. There's a huge amount of both multi family condo type developments and single family homes too. But above that average price level way above half a million dollars.   Keith Weinhold  17:15   Sure, it's made this dynamic where things have been flip flopped in the Northeast and Midwest, where the populations aren't growing very fast, those markets have been appreciating more than those in the high growth southeast, all coming back to supply. They're not bringing on enough new supply in the Northeast and Midwest, Chris has just laid out a few reasons for that, due to this high regulation. And then in the southeast, a high growth area, even though that's where people are moving, we're not getting much appreciation there, because you're able to build and that supply is able to keep up with demand. Well, Chris and I are going to talk more about the housing market and about inflation. When we come back, you're listening to get rich education. Our guest is Chris Whelan, the author of a great new book. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. 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We're talking with the author of a great new book, Chris Whelan, it's called inflated money, debt and the American dream. Chris, I see the residential housing market and their price points as being resilient. I'm kind of looking around and seeing if you have any places where you think that there are any cracks in that? I've heard you talk elsewhere about a housing price correction. Were you talking in the one to four unit space? And how do you think that could happen?   Chris Whalen  20:31   I didn't come up with that idea. I did a biography of my good friend Stan middleman, who's the founder of freedom mortgage. It's a real rags to riches story of a successful entrepreneur, a great guy, by the way, is a beloved man in the mortgage industry. And so what he believes is that cycles are about a decade in terms of human behavior. And he says misery on the eights, which is kind of a cute way of saying it. And what Stan is basically saying is you eventually see so much price appreciation that affordability goes to zero. You run out of buyers, is another way to put it. And then once the Fed gooses it, he thinks we see an interest rate decline this year next year, perhaps you get rates to run a little bit. You get volumes to jump the way they did last summer. You remember, in the third quarter, we had great volumes in the mortgage industry, carried everybody through to the end of the year, and then after that, he says, we get a price correction, maybe back down to 2020 21 levels. So we're talking about a 20% price correction, and we're talking about the loans that have been made in the last few years being underwater. That's something we haven't talked about in a long time. We haven't talked about that since 2008 so I think that Americans inevitably have to see some kind of a correction. What the Fed did was wrong, what they did was excessive. I write about that in the end of my book, but unfortunately, the result is home prices that have galloped along, and eventually you got to reset it. Part of its supply coming online. Part of it is simply, like, I say, you run out of buyers, and when it's simply that purchase buyer who is either all cash or happens to have the deposit, and that's all you have. And there's no flexibility for people that want to get into the market. You know, that's tough. I could recall Paul Volcker years ago, we were talking about that in the book too. He ratcheted down home prices. He raised interest rates so much that home prices went down, and a lot of builders went out of business who had had a lot of snls go out of business, and, you know, the previous decade. So that was a tough time. We didn't even start to do that this time around, because they were afraid to the Fed is worried about keeping the Treasury market open, so they are afraid of deflation, which unfortunately means you don't get those opportunities to get into the market. I remember my parents, when I was very young, they would buy busted homes in Washington, DC. It was a great way to make a lot of money, and in five years, the House would double. That's the kind of market Washington was   Keith Weinhold  23:05   in my opinion, I don't see how there could be any substantial residential home price correction. Historically that happens when there's a wide swath of homeowners that get into financial trouble, like I was talking about earlier, the homeowner is in great financial shape today. In fact, since World War Two, we've only seen home prices drop substantially during one period. That was that period around 2008 and that's when we had conditions that are opposite of what they are today. We had loans underwritten with liar loans. We had an over supply of homes, like I was saying earlier, inflation can't touch one's principal and interest payment. We're still under supplied with homes. Most experts don't think we'll get that into balance for at least five years. I really don't see how home prices could fall substantially. I also don't see how they could rise substantially, like, say, 10% due to that low affordability, but I expect continued stability in prices?    Chris Whalen  24:02   Well, we'll see. I'm not as sanguine about that, because a lot of people feel house rich on paper, but when the bottom of the stack is really hurting as it is now, FHA delinquency rates really are in probably the mid teens. You don't see that yet in the middle with the 727, 40 FICO type borrowers. But I think over time you could, and if, again, it depends on the economy and some other factors, but I'll tell you right now, you're already seeing a correction in the hyad the bottom half, no. And there's a supply problem here, which I agree with you on. It's going to keep those home price is pretty firm. And even where I am in New York, for God's sake, Keith, there's no construction here. So we just had a house across the street from me go from million one. I live in Sleepy, hollow New York, and you know, this is typically around the conforming limit for prices for most of these homes, and it went for 150 $1,000 over the ask, it was crazy. Went in two weeks now, during COVID, we saw this sort of behavior, and we thought, Well, okay, you had zero interest rates. I got a 3% mortgage, by the way, awesome. But here we have a situation when markets cooled down a lot, and yet the lack of availability is really the driver. So in that sense, I agree with you, but I do think the high end could correct rather substantially.   Keith Weinhold  25:24    And of course, in multi family apartments, that's different. That's where values in a lot of markets have been depressed by more than 30% they were subject to those interest rates being jacked up, and we're still going to see balloon loans mature and people default on those in apartments. The pain is not over with air, but at some point that's going to bottom out, and that'll be a buyer opportunity in apartments.   Chris Whalen  25:47    Well, the thing is, new stuff is going fine. It's what happens is when the new gets built, the older assets down the road get discounted. That's really what's going on. People love new as you know, these kids love a new house, as opposed to an older house.   Keith Weinhold  26:02   Yes, that'll help reset the prices in the new market when you can compare those to what existing values are. Well, Chris, talk to us more about your new book and what the overall thesis of the book is in these critical times.    Chris Whalen  26:16   Inflated is meant to help people understand how our country went from agrarian, sleepy, isolationist America in the 1900s to being the dominant economy in the world and the provider of global money. We talk about how we got here. We talk about Abraham Lincoln and Franklin Roosevelt and many other characters. Obviously, we had to talk about Andrew Jackson, who is now embodied in our president, Donald Trump. We try and frame how this is all going to evolve in the future. And my thesis is basically the global currency role is something you get during or after a war. We took the baton from Great Britain after the First World War, and then by the end of World War Two, everybody in the world was broke, except for us. It was last man standing. And so rebuilt the world. We let everybody take advantage of us, and now President, who's saying, Nope, we got to change this. I think if it wasn't Trump, it would be somebody else. To be honest with you, Americans are tired of high inflation. They're tired of some of the other costs that come along with being the global reserve currency, so we try and frame all of this in an understandable way. And I particularly talk about housing during COVID and how that all really, I think, changed things for many Americans. Home ownership has been one of the basic ways we create wealth in this country, and the fact that we didn't have an opportunity for people to get in cheap with a fixer upper or a house that was foreclosed. You know, I think it's unfortunate, but the system just can't tolerate it. We've gone in 2008 and then in 2020 through two very significant crises when the government bond market stopped working. So we talk about that as well.   Keith Weinhold  28:03   I don't predict interest rates. I think it is really difficult to do you mentioned earlier about the prospect for lower interest rates coming. Everyone wants to know about coming. What's your outlook for the future of interest rates and inflation for just say the next five years? Chris,    Chris Whalen  28:19   I think interest rates will drop. That is to say what the Fed controls, which is short term interest rates. In the next year or so, we'll have a little bit of a boom as a result. But I think the concern about the federal deficit and US debt, the volatility caused by President Trump's trade strategy, and just general I think a sense of uncertainty among investors is going to keep long term interest rates higher than we saw during COVID And really the whole period since 2008 the Fed bought a lot of duration and took it out of the market, so they kept rates low. They're not going to do that as much in the future. I don't think they'll buy mortgage securities again, they are very chastened by that experience. So if they don't buy mortgage backed securities, and if the banks don't become more aggressive buyers, and I don't think they will, then you know, the marginal demand that would drive mortgage rates down is just not going to be there. Banks have been holding fewer and fewer mortgages and mortgage backed securities on their books for 35 years. If you look at the growth in the industry, the dollar amount of one to four family mortgages hasn't changed very much. So when you look at it that way, it's like, you know what's wrong? Two things. They want to only make mortgages to affluent households. They want to avoid headline risk and litigation and fines and all of that. And I think also, too some of the Basel capital rules for banks discourage them from holding mortgages and mortgage servicing rights, which is an area I work in quite a lot.   Keith Weinhold  29:55   It seems to me, like increasingly, the powers. It be the United States government just won't let the homeowner fail. They want to do so much to promote home ownership over the long term, we see relative ease with getting a mortgage. We've seen lower down payment requirements during other times, including COVID. We see the government jump in with things like mortgage loan forbearance and an eviction moratorium for renters. They just don't want to let people lose their homes. It just seems like there's more propensity to give homeowners a greater safety net than ever. Well,   Chris Whalen  30:29   we've turned it into an entitlement. Yeah, and Trump is changing that at the federal level. The states, the blue states, are going to continue to play that game at the state level, and they can even have state moratoria. But what's going to happen, and I think sooner rather than later, is you may see the federal agencies start to tier the states in terms of servicing fees, simply to reflect the cost. It takes over 1400 days to do a foreclosure in New York. Gosh, that is a big problem. You can lose the lien in New York now, it takes so long. So I think that, you know, from an investor perspective, from a developer perspective, it's not an attractive venue. That's just the reality. Then you even California is as progressive and as activists as it is, you can still get a foreclosure done very quickly using the trustees. It's just a totally different situation. If there are complications, you can get into a judicial foreclosure, which will take longer. But still, California works. New York is deliberately dysfunctional. We have people in the state legislature who are in foreclosure themselves, and they keep passing these laws. So, you know, I think at the federal level, you're going to see it roll back to pre COVID, but I will say that forbearance, both with respect to the agency and conventional market and private loans, is kind of the rule. Now we work with the borrower much more than we would in the past. It's it is really night and day.   Keith Weinhold  32:00   Chris, your new book has gotten a lot of acclaim. Let us know anything else that we should know about this book, and then if we can get it in all the usual places   Chris Whalen  32:10   you can buy it at Barnes and Noble Amazon. I have a page on my website, RC, waylon.com, with all the relevant links. But the online is the best way to get it. Most of the sales are on Kindle anyway, but well over 90% are online, so we don't have to worry about physical books. I think we'll be doing some book signings in the New York area. So we'll definitely let you know about that.   Keith Weinhold  32:33   One last thought is that the rate of inflation means more to a real estate investor than it does to a layperson, maybe five times as much or more, because when we borrow for an income property, our asset floats up with inflation. That part's really just a hedge on inflation. Our debt gets debased by inflation, which is really a mechanism for profiting from inflation over time. And then, thirdly, our cash flow tends to go up even faster than the rate of inflation, since our principal and interest stays fixed, so real estate investors can often be the beneficiary of inflation. It's sort of strange to go root for a force like inflation that can impoverish so many people. But what are your thoughts with respect to real estate investors and inflation?   Chris Whalen  33:19   Well, you know, it's funny when Jerome Powell at the Fed says that they have a 2% inflation target, my response is, well, we better have at least 2% inflation if we're going to make commercial real estate work. Commercial real estate went up for 75 years after World War Two. I can remember when I was in the rating business at Crowell bond ratings going to see some of the banks here in New York, their multifamily books had only seen the equity underneath the asset go up and up and up. In other words, the land ended up being 90% of the value, you know, 1520, years after the purchase and the improvements were almost worthless simply because the land appreciated so much. Now that has changed since COVID. A lot of commercial real estate, particularly has gotten under a bit of a cloud. You've seen falling prices. However, in parts of the country that are growing where you have a positive political environment, positive economic environment, you're still seeing fantastic growth in both commercial and multifamily markets. So I think being very careful and patient in doing your homework in terms of picking venues is more important now than ever before. You know, I'll give you an example. Down in Florida, we're building new malls every day. The mall down the road that's 15 years old. There's nothing wrong with it, but it's 15 years old. And so the price discounts that you're seeing for existing assets are rather striking. Same thing down in the Carolinas, down in, you know, Atlanta, and going down to the Texas growth spectacle, I'm always astounded by what's going on in Texas. They built so much in that whole area around South Lake, out by the airport. It, they're going to basically subsume used it. So, you know, in those markets, you have great opportunities, but you also have over building. And so we're going to see some cycles where they're going to be deals out there for projects that maybe were a little too ambitious have to get restructured, and astute investors can come in and do very well on that   Keith Weinhold  35:20   like we often say around here, in real estate investing, the market is typically even more important than the property itself. The name of Chris's new book, again, is inflated money, debt and the American dream. It has an awful lot of intersections with real estate investors and how they can play inflation. Uh, Chris has been a terrific conversation about the real estate market and larger market forces. It's been great having you here on the show.   Chris Whalen  35:47   Thank you, Keith. Let's do it again.   Keith Weinhold  35:49   Yeah, some good insights from Chris, a smart guy. And gosh, what a really sad state for rent stabilized apartments in New York City, where landlords of some of those properties, they would have to spend sometimes hundreds of 1000s of dollars in order to bring them up to code, but then they couldn't charge enough rent to offset those expenses due to government intervention and price fixing, so landlords just lock up the property vacant. And this sort of harkens back to when we were talking about some of this last year, when we had documentary film maker jen siderova on the show with her film called shopification, and it was about how rent control slowly makes neighborhoods fall into disrepair. All right, Chris and I had some difference of opinion there on the prospects for a home price correction. I think I made most of my points. He did, though, talk about running out of home buyers. If I have him back, maybe I'll pick up right there. More buyers are baked into the demographics, like I think I shared with you one time the US had its highest ever birth rate years between 1990 and 2010 more than 4 million births per year for a lot of those years. Just to review this with you, you might remember that 2007 was the US is peak birth year. Add 38 years to that for the average first time homebuyer age, and that housing demand won't even peak until 2045 and it will continue to stay high for a few years after that. So that's where the demand is just going to keep coming from, just piling on. And when I say that loan conditions have eased for American homeowners, like I did there during the interview, of course, what I'm talking about is the long term. I mean, lending conditions got more rigid after 2008 and with the adoption of Dodd Frank. What I'm talking about is, before the Great Depression, it was most common to have to make 50% to 60% down payments on property, and you had to repay the entire note in five to 10 years. I mean, can you imagine how that would hurt affordability today and then later, by 1950, 15, year loans were the common one. I mean, even that would impair affordability today. Today, 30 year loans are the common one, and you can put as little as 3% down on a primary residence. A lot of people don't know that either. It does not take 20% on a primary residence. So that's what I mean about the relative ease of credit flow today. Now, Chris has knowledge about other parts of the real estate market that I don't for his work inside DC and in other places like the foreclosure market. We talked about some of that right after the interview. For example, He was letting acronyms like NPL roll off his tongue, and I had to ask him what that meant. That's a non performing loan. Check out Chris's new book. Again, it's called inflated money debt in the American dream. And again, his website is RCwhalen.com and Chris also has a great sense of history, which we didn't get into, longtime real estate guys radio show co host Russell gray and I will discuss monetary history here on the show soon. Like I said, I'm coming to you from Edinburgh, Scotland this week, even if you don't see great sites, you know, it's interesting just walking the historic streets here, if you're an American that's visited here before, you surely know what I mean. And I told you that I'd let you know, the current real estate transaction I'm involved in is paying $650 a night for the hotel here in Edinburgh. Yes, that's a lot. I've actually paid less for fancier places in Dubai, but this hotel here is on the Royal Mile. Of course, I could have found less expensive accommodations elsewhere.    Speaking of less expensive, here's an announcement. And we have new investment property providers at GRE marketplace, two of them, the markets are both in Oklahoma, and they are Oklahoma City and Tulsa, Oklahoma as a state, is known for landlord friendly eviction processes and legal systems, kind of the opposite of New York. So this makes your property management more predictable. Now, when we look at this city, OKC has the lowest priced new single family rentals. I can think of it under 160k Yes, that really puts the exclamation point on inexpensive and favorable rent to price ratios often exceeding 1% which is obviously attractive for cash flow, meaning a 150k single family rental could yield over $1,500 in rent. There's high rental demand in certain sub markets. We have scouted out those exact places for you in the OKC metro, like Edmond Moore spelled M, O, O, R, E, and Midwest City, all supporting consistent rent income, though it was once really oil dependent, OKC has diversified economically, reducing your risk tied to commodity cycles and ok sees local economy that's supported by industries including aerospace, energy, health care and logistics. Then there's Tulsa. Tulsa has the highest cash flowing new build duplexes, perhaps anywhere in the US that I know about. On the single family rental side, a lot of Tulsa investors can find properties under 150k with monthly rents again exceeding 1% of the purchase price, clearly ideal. So yes, both Oklahoma City and Tulsa are now on GRE marketplace. You can either visit the pages and see them there, or one of our qualified, experienced GRE investment coaches. Meet with them. They can help guide you to the very best deals and show you the specific property addresses available right at this time for whatever best meets your needs. If you're looking to either start or expand to another market and you seek cash flow, you really need to consider Oklahoma. Yes, it is free to have a strategy session with an investment coach, whether that's for Oklahoma or other investor advantage regions. I often like to leave you with something actionable. You can start at GREinvestment coach.com start book a meeting for a free strategy session remotely. That's at GREinvestment coach.com, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  42:51   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Advice, opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  43:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866. While it's on your mind, take a moment to do it right now. Text, gre to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

Aaron Imholte is back from his vacation, and the tales from the beach in sunny Florida are nothing short of remarkable! As predicted, he is commandeering Keanu's victory and rubbing it in to the haters all while struggling to maintain an audience and earn his goal. Let's go over the latest from our favorite cope-and-seeth king! KarmicX is on fire, and the fake war between Kevin Brennan and Chad Zumock has been put on hold while the MLC podcast retools to find out who should be the future stable of re tools. Richard Leland Neal has other YouTube channels, but they don't always make sense. Let's check out the movie review channel where he reviews McDonald's French fries. Makes sense to me! ...

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