Podcasts about makes

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

Makes no sense.

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.

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

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.

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.

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

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,

Makes my arm hurt.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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)

In Episode 2 of our thought leadership podcast series, the Deep Think, ALPS COO and long-time attorney well-being advocate Chris Newbold sits down with ALPS Director of Strategic Partnerships Rio Lane to discuss the surprising and heartening results of our solo well-being survey and trends report. — Rio Laine:  Hey, everyone. I'm Rio Laine with ALPS Insurance, and welcome to the ALPS In Brief Podcast. Today, we'll be talking to ALPS COO Chris Newbold about wellness and ALPS's new Solo Attorney Wellness Trends Report. Hi, Chris. Thanks for joining me today.  Chris Newbold:  Hey, thanks, Rio. Thanks for having me.  Rio Laine:  Yeah. Absolutely. So I would like to start with maybe giving you a chance to introduce yourself to our audience, a little bit about who you are and what you do at ALPS.  Chris Newbold:  Yeah. I'm Chris Newbold. I'm the chief operating officer of ALPS, and one of my great passions, I think, in terms of giving back to the profession has been thinking about the notion of attorney wellness. And not just attorney wellness, but well-being in law more broadly, and that's given me the opportunity to really think about how the legal profession is structured, what people are looking for, where they may perhaps were missing the mark, and then thinking about the systemic reasons why.  I think a lot of lawyers today are struggling in terms of their selection of a profession in which they're not necessarily finding the professional satisfaction that they may have sought when they went into law school.  Rio Laine:  Yeah. Absolutely. And, I mean, I think, as we all know, the concept of wellness and taking care of yourself as a lawyer is relatively new. Up until recently, there was a lot of stigma around that. So it's excellent that we actually get a chance to talk about that and are starting to see good work and traction as far as that's concerned.  Chris Newbold:  Yeah. And the movement, the attorney well-being movement is almost about 10 years old now in terms of a groundbreaking report coming out that stimulated a lot of thought in legal circles around where is this profession, where does it need to go, and then thinking strategically about that.  And again, I've been really fortunate to be at the epicenter of a lot of those conversations in terms of convening groups, convening stakeholders, thinking about research and other things that we can do to kind of document where is the profession and where does it need to go so that we're attracting more people into the profession and not seeing more people exit the profession.  Rio Laine:  Mm-hmm. Yeah. Absolutely. And so, speaking of groundbreaking reports, we're going to be talking about ALPS's Solo Attorney Wellness Trends Report, which you have really spearheaded an effort in gathering important data and information about wellness as it relates to solo attorneys. So before we dive into that, I'd like to kind of explore your history in the wellness space. And now, you've been a proponent for well-being in law, and you've done a lot of work with the Institute for Well-Being in Law for some time now. So tell me how you got here and why this is something that really resonates with you.  Chris Newbold:  Yeah. Thinking back on my experiences, one of the things that we were really looking to do is to understand... I went to a small law school with 75 students, and everybody was very excited, I think, about going to law school. Yet, now that I'm out of law school for more than 20 years, the number of folks who have actually reflected and said, "I really am proud of my decision, and I've really enjoyed practicing law," a lot lower than I think that you would obviously think. And so, I think there was an expectations gap between what people thought versus the reality.  And I think one of the things that... Again, I started to lean in on the subject, wrote part of the section for the groundbreaking report, spent three years as the co-chair of the National Task Force on Lawyer Well-Being, and then we parlayed that into creating the Institute for Well-Being in Law, which is something that is really kind of the preeminent think tank in the lawyer well-being space. And so, that organization continues to work to elevate the nature of discussion in legal circles about where this particular issue sits and where we need to go.  Rio Laine:  Right. And just for our audience at home, the kind of initial report that you're referring to was produced by the ABA.  Chris Newbold:  It was actually not.  Rio Laine:  Oh, wow.  Chris Newbold:  It was actually produced by a consortium of groups that were really interested in it. It was the Path to Well-Being in Law, and it provided a number of different recommendations for where the legal profession had needed to go, from the judiciary to lawyer assistance programs, to law firms, to a whole, again, consortium of groups. ABA was part of that, but not necessarily it being kind of an ABA report in and of itself.  Rio Laine:  Got it. Okay. Okay. Excellent. So in terms of attorney wellness, how do you see that kind of impacting not just individuals, but the broader profession?  Chris Newbold:  Yeah. I think you said it well earlier, which is, to be a good lawyer, one has to be a healthy lawyer. And when you have healthy lawyers serving their clients, you're generally going to get better legal services, better results. The notion of what lawyers do is solve problems affecting conflicts within society. And when lawyers aren't well, when they're overstressed, when they're overburdened, when they're burnt out, when they're subject to substance abuse, you can kind of see, when they're not at their best, it's hard to deliver legal services in a way that allows the profession to function well and its ability to serve society well.  So I think there's a real notion that to be a good lawyer, one has to be a healthy lawyer, and that notion, I think, is carrying over to why law firms and bar associations are so interested in the issue, because if we're all unhealthy, then we're not able to ultimately serve what we're here to do, which is to serve the interest of clients.  Rio Laine:  Yeah. Absolutely. That makes a lot of sense. And, I mean, I know we've kind of had this conversation off podcast earlier, but yeah, there is definitely a lot to be said for taking care of yourself so that you can do the best work possible and giving yourself that time. And I know that's something that has been typically very difficult for lawyers. There's been a lot of stigma around mental health and well-being. And so, it's nice to see that that is starting to be something that is a major focus. Well, not starting. Has been for a while, but is really coming to the forefront of people's consciousness.  Chris Newbold:  Yeah. And it's a tough issue, because you have to think about the nature of the profession itself. Right? We're structured in an adversarial system with people pitting one against the other. And so, there's natural conflict. And when you have conflict, a lot of times, that brings a lot of stress and pressure, and you have a lot of Type A personalities that are very motivated and trying to be vigorous advocates on behalf of their clients.  And so, you think about the profession, the personalities, and the task at hand, and you get the perfect storm of why well-being can sometimes be ignored, and I think a lot of us are focused on trying to bring a little bit of that focus back and ultimately create an environment in which people feel a genuine sense of professional satisfaction being a lawyer, which I think that, unfortunately, we're probably not as high on that standard as we need to be.  Rio Laine:  Right. Well, hopefully, we can get there, and I think this report is definitely helping to pave the way for that. So tell me a little bit about what inspired you and ALPS to conduct this research and this survey and to really dig into not just attorney wellness, but solo-specific wellness.  Chris Newbold:  Yeah. I think that we were really thinking internally. Obviously, ALPS itself has an interest in serving the solo community. That's one of the reasons that we exist. But I think more holistically, the notion of the solo practitioner, there's a lot of them out there. Right? 49% of private practitioners are solo practitioners. And when you look at the research in the well-being space, most of it is, there is really no definitive report, like ALPS just produced, that actually gets at this particular demographic.  Yes, there's issues on substance abuse and on stress and hardships and so forth, and kind of broader surveys that look at the totality of the profession, but with the solos being such a big part of the community, to not have any specific research on solos was a real void. ALPS wanted to step in and fill that void.  Rio Laine:  Yeah. Absolutely. And it makes sense. It absolutely makes sense. I think solos tend to be overlooked in a lot of different respects, which is, it's nice to see that we're spending the time to give them the resources and information they need to move forward.  Chris Newbold:  That's right.  Rio Laine:  So do you want to tell me a little bit about how our survey participants were selected for that?  Chris Newbold:  Yeah. The survey participants were ALPS policyholders. One of the great things about ALPS is we have a national geographic footprint. And so, our ability to know that we were able to enlist and invite a large group of solo practitioners into the survey itself ultimately ended up with approximately 300 respondents, which is certainly a scientifically solid sample size to be able to execute on a survey of this magnitude. And so, responses from around the country, primarily all being from the ALPS policyholder base.  Rio Laine:  Got it. So going into this survey, were there any kind of maybe trends or results that you thought were going to happen but maybe came up different or were surprising, or anything that surprised you in the data analysis?  Chris Newbold:  Yeah. Again, I would say that most of the research that's been produced on well-being in law has generally cast what I would call kind of a glaring reality of how hard things are.  Rio Laine:  Yeah.  Chris Newbold:  When you think about things like depression and suicide and substance abuse, I mean, it generally is going to naturally come out in what I would call a negative perspective of the reality of what's affecting lawyers. One of the things that was really kind of cool and, I think, enlightening about the report was the number of professionally satisfied and happy lawyers we saw kind of saying, "I really like what I do." And I think there's something to be said as you kind of think about why lawyers do what they do and what professional setting they put themselves in.  I think there's a lot to learn from these solo results that may give a pathway for people who are looking for things like flexibility and general greater professional satisfaction. And so, I was pleasantly surprised at how much of our community ultimately came back and said, "I'm proud to be a solo, and I really enjoy what comes along with being a solo, including what it does for my personal wellness."  Rio Laine:  Yeah. Yeah. Absolutely. And so, speaking of being satisfied, I think 74% of the respondents said that they were either satisfied or very satisfied with their careers. So how do you interpret that result considering the broader legal profession stress data that's out there?  Chris Newbold:  Yeah. I mean, again, just think of the numbers.  Rio Laine:  Yeah.  Chris Newbold:  Three out of four said that they're very satisfied or somewhat satisfied being a solo practitioner. My sense is that the higher that you go up the law firm size hierarchy, the lower that number ultimately gets.  Rio Laine:  Yeah.  Chris Newbold:  Right? And I can't definitively point to specific numbers on that. But when you think about notions of the billable hour, the expectations, how guilty folks feel for taking a vacation, how much they ignore their own personal well-being when it comes to physical activity and exercise and diet and all of those things, again, there are lots of lawyers who are thriving in all manners of the spectrum, but I would pose to you that finding three out of four in the solo space is going to be the highest that you're going to see of any grouping in private practice.  Rio Laine:  Yeah. Absolutely. And I think it's pretty common at larger law firms. There's a lack of flexibility in your schedule, a lack of bandwidth and time for yourself. But it's interesting, because conversely, solos in our survey cited flexibility as the top benefit to being a solo attorney. So can you tell us what are some other ways or some ways that solos are experiencing flexibility in their practice?  Chris Newbold:  Yeah. Again, I think a lot of it comes back to work-life balance. Right? Their ability to be able to call the shots, dictate and control their schedule. When you're in a multimember firm, particularly the larger firm that you get, there's a lot of expectations, that you're in the office, that you're in the office until your senior partner leaves the office.  I mean, there's just kind of built-in notions, and I think what our solo community is finding is that ability to be able to chart your own journey. If you've got a kids' choir concert that you want to go to, that you can go to that without feeling guilty, because you can ultimately manage the schedule in a manner that fits what you want. You can think about the caseload that you take on. Right?  Rio Laine:  Right.  Chris Newbold:  You don't have 1,800-, 2,100-hour billing requirements. You're going to build and construct a professional journey and a professional life that suits who you are, what you need. And for a lot of people, that's not necessarily compensation-oriented. It can be around family. It can be around the types of customers that you ultimately want to take on. You have the ability to say, "I'll take that customer, but not that customer." Right? I think there's a lot of notion of autonomy and ability to set the direction of where you want your professional life to go, and I think that that's pretty exciting for folks that we found in the survey.  Rio Laine:  Yeah. Absolutely. And do you think that's something that a lot of people who are considering going off on their own and becoming solos would even think about that is an option for them? I mean, do you think that flexibility is something that they would even be like, "Oh, yeah. Actually, that is an opportunity"?  Chris Newbold:  Yeah. I think it's absolutely calculated, and I think the reason that we know that is, oftentimes, people who become solos have started their career in a different capacity.  Rio Laine:  Yeah.  Chris Newbold:  So they have reflected upon what they like and what they don't like, and ultimately are making a decision that may fit better the lifestyle that they want to ultimately live, and it's really interesting, I think. As we think about coming out of the pandemic, I think there was this notion of a great reassessment of, "Where am I at in my life? What do I want?" And a lot of, I think, lawyers...  I have a tendency to believe that there are more lawyers coming into the small firm space, because they want more of that autonomy. They've learned, again, some of the pressures and some of the stigmas and other things that they haven't found particularly appealing. And so, more folks, I think, are naturally kind of gravitating to taking control of that and then focusing on the things that they want to prioritize in life, both personally and professionally.  Rio Laine:  Yeah. Yeah. Absolutely, which is a pretty empowering thing to be able to have that influence over your own kind of career and, for lack of a better term, your destiny.  Chris Newbold:  But I should also say it's scary.  Rio Laine:  Yes.  Chris Newbold:  Right? There's a lot of risk in that value proposition, because there's... And we know that among solos, it's among the more transient of populations, and not everybody can go out and hang up a shingle and do that. But again, I think the ones that are really kind of thoughtful about, "I've been in practice for 10 years. I'm looking for this." Generally, when they make that decision, I think that they are finding that it's the right decision for them, but it does take some conviction and some courage, frankly, to kind of take a bet on yourself. But I think that those who are doing it are finding that the rewards of taking that risk are outpacing the risks of failure and otherwise.  Rio Laine:  Yeah. Absolutely. And along the same vein, I mean, something that I thought was really interesting about this survey and that I think would also be a risk is the risk of being lonely.  Chris Newbold:  Yeah.  Rio Laine:  I mean, particularly if you're going from a larger firm and you've got lots of coworkers and support staff, other folks around. So I would assume that a lot of solo lawyers would have said, "Yes, I experience a lot of loneliness." But interestingly enough, most respondents in the survey said that they actually don't experience much loneliness. And so, I'm really curious to know, why do you think that is? I mean-  Chris Newbold:  Yeah. I think a lot of it has to do with the stage of career that some of those solos may be in. Right? If you had to hang up your shingle right out of law school and you didn't have a good connection base within the legal community already, I think that would be difficult. Right?  Rio Laine:  Yes.  Chris Newbold:  But if you've been out 15 years, you've met people. You've litigated cases against other people. You've referred cases or had cases referred to you. And so, your network of people that you know, you know other solos.  Rio Laine:  Yeah.  Chris Newbold:  You can reach out to other solos, go grab a cup of coffee, and then I think they're also garnering support from their families and their spouses and other entities. It does get a little bit challenging when you don't have that person down the office that you can knock on the door and say, "I'm struggling with this particular set of facts or circumstances or this relationship." But that's where, I think, there's a real opportunity for other organized bars to step into that void, thinking about state bars, local bars, because I think there's a real opportunity for them to add value to the solo legal community because of some of those loneliness elements.  But I think, again, the report would tell you that a lot of these folks are pretty well-grounded and have their priorities in line. And so, whether it's, again, exercising and doing the things that make you naturally healthy, I think they have existing networks and professional relationships, and then I think they're making good lifestyle choices.  Rio Laine:  Yeah. So what's some advice then that you would offer to someone who say, "I wanted to be a solo right out of law school"? I mean, obviously, they're going to need to be intentional about building that network.  Chris Newbold:  Yeah. Meet people.  Rio Laine:  Yeah. Yeah.  Chris Newbold:  Go to local bar meetings. Introduce yourself. Talk about who you are. Seek advice.  Rio Laine:  Yeah.  Chris Newbold:  Right? I think one of the great things that you can do in life when you don't know a whole lot is ask other people who've been doing it a long time. Right? And that notion of being able to seek advice. You'd be surprised by seeking the advice of others, how much natural stuff comes back to you in terms of other referrals down the road.  Rio Laine:  Yeah.  Chris Newbold:  So, again, get out there, network, shake some hands. I know a lot of folks like to just hunker down in an office in this day and age. I think that's the wrong move if you're going out there and trying to build a firm from scratch. I think you got to get out there, tell people what you're doing, invite people to coffee, seek that advice, and I think you'll set yourself up for success.  Rio Laine:  Yeah. That's fantastic. And I think I would also add to that, I mean, don't be shy, and it's okay to not know the answer to something. You're not born knowing everything, and there's definitely another professional out there who has probably asked themselves the same question or handled the same issue.  Chris Newbold:  Yeah. And on a representation side of things, you can actually also ask them to be a co-counsel on the case. You can share cases. If it's above what you've done or the sophistication level, you can refer to them. You can participate in watching how that all goes.  Rio Laine:  Yeah.  Chris Newbold:  But again, it's that notion of being a lifelong learner and understanding how you can benefit by watching others and seeking the counsel of others.  Rio Laine:  Yeah. Yeah. So let's kind of shift our focus a little now to the topic of burnout. Now, this is something that is very common amongst attorneys, and 44% of our respondents said that they had experienced occupational burnout at some point, but also, though, they reported high levels of satisfaction, as we discussed earlier. So how do you reconcile those two things? I mean, you've experienced burnout, but you're also very satisfied. How do we get there?  Chris Newbold:  Yeah. Representing clients and knowing that you have the livelihood of others depending upon your ability to get to solutions? Stressful.  Rio Laine:  Yes.  Chris Newbold:  Right?  Rio Laine:  Yeah.  Chris Newbold:  It's just stressful work. Being a lawyer can be stressful. You think about appearing in front of a judge, conducting a deposition, drafting a complex transaction. There's a lot that can be riding. Sometimes millions of dollars can be riding on your crafting the right type of a transactional document. And so, I think the notion of burnout is, I would also kind of put it in this way, that you're going to see peaks and valleys in terms of law practice.  Sometimes you're all in on a trial, and then you kind of crash, and then everything kind of level sets, and sometimes it's not as busy. Right? And so, again, I think, as with most professions, there are going to be fluctuations in the level of stress and anxiety that's created by the workload, and that's where I think some of the coping techniques of how are you dealing with that at those times of burnout becomes so important for you to not go further down that hole, but to kind of maintain a healthy equilibrium that allows you to be your best professional self.  Rio Laine:  Yeah. Yeah. Absolutely. And I think that really kind of ties back to the notion of flexibility too. If you're finding that your workload is such that you cannot, it's just overwhelming, and it can't be manageable, then there's an opportunity to maybe pull back and reassess and adjust.  Chris Newbold:  But you got to be really self-reflective, I think, to be able to do that, because I do think one of probably the great stressors of a solo practitioner would be taking on too much than you can handle.  Rio Laine:  Right.  Chris Newbold:  Right? Obviously from a malpractice perspective of caution that, because again, one of the great benefits is you don't have to take on all clients. Again, at some point in your career, you're going to have to take on clients because you need the revenue to be able to do that, but the notion of really being thoughtful about your caseload and what's the right amount of caseload relative to what you can handle, you got to be self-reflective of being able to judge that well.  Rio Laine:  Mm-hmm. Yeah. And I think our survey respondents were definitely reflective, because they did cite workload as kind of the top stressor. So I think aside from self-reflection and being aware of your workload, technology is probably also a good option to help.  Chris Newbold:  Yeah.  Rio Laine:  What are some ways that technology could maybe support with some of those administrative tasks, those things that contribute to a heightened workload?  Chris Newbold:  Yeah. I think one of the realities of solo practitioners is sometimes what they really love doing is lawyering, and not necessarily running the business.  Rio Laine:  Right.  Chris Newbold:  Right? And the reality is, when you open up a solo practice, you are also running a business. And I think we're fortunate that we're picking up more and more tailwind of technology being an important asset that allows lawyers to do what they love and to rely on technology for the administration of the firm itself, and that's also reducing the cost of entry into the solo space. There used to be a time where you had to go hire a full-time paralegal to be part of your staff as well.  But if you could take out a 60 to $80,000 expense reliance of technology, we haven't even talked about artificial intelligence yet and some of the kind of cautious optimism that technology and AI may be, again, allowing more people to do what they love most, which is lawyering, and doing what they least love about lawyering, and pushing that toward artificial intelligence and the leveraging of technology and case management systems that I think continue to get better and better and better, which allows... Those used to be the domains for larger firms, that they always had all the riches of technology. Now you see almost the democratization of technology coming into the small space, which opens up more opportunity for more people to come into the space.  Rio Laine:  Mm-hmm. Absolutely. And more opportunity for flexibility in your practice-  Chris Newbold:  That's right.  Rio Laine:  ... and structuring your time. Yeah.  Chris Newbold:  That's right. And efficiency.  Rio Laine:  Yes. Yeah.  Chris Newbold:  Right? And collecting on your billable hours as opposed to writing those off. Again, when you think about the law practice management systems, they're getting better and better at tracking what are you billing, what are you not billing, what are the causation elements of that, and really feeling like technology is reducing the barriers inherent in people wanting to pursue these types of solo practitioner careers.  Rio Laine:  Mm-hmm. And speaking of folks moving towards the solo space, and you have a theory that people are kind of, in larger, larger numbers, leaving big law and shifting into solo practice. So what do you think is driving that migration?  Chris Newbold:  I would say two things. Again, I think the pandemic was an important kind of demarcation point for a lot of lawyers to say, "What am I doing? Am I genuinely happy or professionally satisfied in practicing law?" And for those who answered negatively, I think that they've thought about, "Maybe I should take my career in a different direction."  Rio Laine:  Yeah.  Chris Newbold:  And so, I think one path to do that would be thinking about a solo practice career. The second is, again, that seeking of flexibility and work-life balance. More and more of us are thinking about considerations like family, parenting time, spouse time, vacation time, and living a well-rounded life where, historically, for a lot of lawyers, being a lawyer was being a lawyer 24/7.  Rio Laine:  Yeah.  Chris Newbold:  Right? And that came with a lot of consequence, I think, to relationships and so forth. And so, when people, again, think about... I think one of the real interesting elements is the generational realities of what law students are now coming out and saying and what questions they're asking in their interviews as they think about where do they want to go to work, and they're asking about, "Tell me about the wellness commitment of this firm in terms of me being a well-rounded person." That didn't used to be the case. Right?  Rio Laine:  Yeah.  Chris Newbold:  And so, they are thinking about things like flexibility, and that may come. Many firms pay large dollar amounts to associates to come into that firm, but I think that's becoming more and more of a, "Is that exactly what I want? Am I chasing compensation, or am I chasing quality of life?" Most people would want both. So I think that there is a right balance, and I'm not saying it's one versus the other, but I think that there is some real thoughtfulness coming generationally and societally as to, "I only have certain amount of hours in the day. Where do I want those hours to go?" And they're tending toward maybe that being a little bit less work in favor of a more well-rounded work-life balance.  Rio Laine:  Right. And it's interesting, because that is definitely reflected in the survey. I mean, solos tend to be much more proactive about their physical health, about their sleep schedules, taking regular breaks, et cetera, and that's certainly not the case as far as the broader legal community goes. So other than, say, generational kind of considerations, why do you think solos tend to be much more proactive when taking care of their health?  Chris Newbold:  Well, again, I think they have a keener sense of probably who they are and what they're looking for. Again, they probably have experienced some things that have caused them to migrate to wanting to do something different. And when you know yourself, when you know where you are, when you're at your best, there is a tendency for you to then run to that direction.  Rio Laine:  Yeah.  Chris Newbold:  Right? And again, the only thing that I think has held a lot of people back is, well, a couple things. One, it's pretty scary to be able to do that. The other part of it, frankly, and this is a totally different podcast, frankly, is the realities of law student debt and how many people feel boxed into a career that they generally don't love, because they have to pay law school debts that had them come out of law school with over $100,000 of debt, and they don't feel like they can take that bet on themselves, because they're nervous about the obligations they have in terms of law school debt repayment.  So that's creating what I would call financial anxiety. That does affect the well-being of a lawyer, because when you feel like you're, in essence, doing a law job because you have to service a debt obligation and maybe even doing something that's in an area of practice that you would have been like, "I would have never thought I would be doing this in law. This is not why I went to law school," and some of those realities, I think, are really real for folks who are engaged in law, but in spots where they don't feel like they really want to be for that reason.  Rio Laine:  That makes a lot of sense. Aside from solos kind of having that experience where maybe they kind of had a moment of realization where they were like, "Oh, I need to actually prioritize my well-being," something that I found really interesting and surprising was that only 22% of respondents actually sought mental health treatment despite having experienced high stress. So I'm curious, I mean, what kind of barriers still exist to that, and what are the reasons maybe that someone would be hesitant to kind of seek that support?  Chris Newbold:  My hunch, first of all, is that number is probably even underreported on the survey itself.  Rio Laine:  Right.  Chris Newbold:  Right? A lot of people, I think, are still grappling with... I think one of the things that's been really awesome in society is a willingness for people to talk about their mental health challenges. When you see instances like Simone Biles in the Olympics, that normalizes the reality of people saying, "It's okay to have mental health struggles, and it's okay to seek help." But I will still say, in legal circles, that ability to raise your hand and say, "I need help," is still kind of generally frowned upon as weakness.  Rio Laine:  Yeah.  Chris Newbold:  Right? And so, that notion of overcoming that and saying, just as when we are dealing with physical ailments, we go to a physical therapist.  Rio Laine:  Yes.  Chris Newbold:  Right? When you're dealing with mental challenges, going and seeking the support of somebody who's trained in that particular area is really a sign of strength. And I think that those numbers over time, generationally, societally, and within the legal sector itself, I think that they will continue to increase.  But we also have a lot of lawyers who think pretty fondly of their ability to be their own problem-solver, and they just kind of naturally kind of say, "I got this," even though sometimes... And a lot of times, there's probably a strong support group around them as well who are probably helping them through some of those issues. So I think it's probably underreported a little bit. It's happening more than you think, but there's still a stigma out there.  Rio Laine:  Right. Absolutely. And do you think that bar associations and legal insurers could maybe be doing more to address that stigma and to break down those barriers and to support solos in reporting and saying, when they do need help, to reach out?  Chris Newbold:  I do. I do. I think the ability for bar associations in specifically to be able to normalize asking for help as being okay, I think, is a real opportunity for them to kind of take the bully pulpit as a voice of the profession and be able to do that. We go to a lot of annual meetings, as you know, at ALPS, and that ability, when you have a wellness panel, to have two or three people who are there to share their stories about challenges, about resilience, about some of the things that they did when they were at their low point, that normalizes behavior for everybody else, and you'd be surprised at how many people walk up to them afterwards and say, "Thank you for sharing your story," because they are struggling as well. And again, that notion of normalizing.  And then I think bar associations, more broadly, they have that ability to, I think, build community, particularly in the solo... When you're in a multimember firm, you have a natural community. When you're a solo, I think bar associations have a real opportunity to become a community-oriented builder of a section or a space for people to come together and share common challenges or common pursuits.  And it doesn't even have to be law-related, frankly. I think that there's innovative ways for bar associations to be able to do that, but I think there's a real opportunity for us as legal insurers who care about solos and bar associations to, in essence, work in partnership to be able to greater provide the support infrastructure for these individuals to thrive in their practice.  Rio Laine:  Yeah. Absolutely. And, I mean, I think I would also question, I mean, do you think there's a connection between mental health and frequency of claims from a malpractice standpoint? If you're struggling, you think it's more likely that you'll have a claim?  Chris Newbold:  Absolutely.  Rio Laine:  Yeah.  Chris Newbold:  Yeah. I mean, because when you begin a spiral, when you move into a depressed mode, when the stress and anxiety is too much, you're not in your game.  Rio Laine:  Yeah.  Chris Newbold:  Right? When you're not on your game, you miss the statute of limitations. You don't do a conflict check. You don't do some of the things that healthy lawyers are naturally doing. And again, that's when you turn to substance abuse, self-medication, and other things. And we have seen in our own claims files, just when things start to spiral downward, the likelihood of a claim is going to shoot upward.  Rio Laine:  Got it. Yup. That makes sense. Makes sense. So stepping back a little bit from, say, mental health support, I mean, do you believe that the profession as a whole is doing enough to support solos?  Chris Newbold:  Yeah. I mean, I think I have said this publicly that I think that the well-being movement in general is focused on a lot of great things, but one of the things that needs more attention is the solo community. Now, you could argue that the results of our survey may indicate that they may not need as much help as other portions of the legal community.  But again, I think that there are notions of a lot of people out there practicing law, perhaps on the lonely scale, workload, burnout, and stress because of the nature of the job, who have a greater, not likelihood, but propensity to find themselves in a struggling spot more quickly without infrastructure support underneath them or a safety net.  And so, I think, again, state bars are thinking about that more and more. But again, I'm cautiously optimistic that with technology, with greater discussion, with reduced stigmatization on a variety of these types of issues, that you will start to see, hopefully, these numbers continue to kind of go in a positive direction, because I think, again, when you set the baseline for the profession, it's generally a negative story. I think this is an indication of where our profession can go if we take some of what people are looking for and embrace that from a flexibility and work-life balance perspective.  Rio Laine:  Yeah. So based on the findings and the somewhat surprising findings of the reports, what is some advice that you would offer to someone considering solo practice?  Chris Newbold:  Yeah. Do your research. Talk to folks who are already engaged in it. Understand the challenges before you decide to take that jump. Again, there are fewer and fewer barriers that I think are natural impediments for people wanting to take that jump, but know what they are. Be aware of what they are. Try to mitigate those, and then go out and find more community within your network.  And I think, again, I'm optimistic in this particular space that people will find what they're looking for and generally reflect on their legal career and say, "Moving into becoming a solo practitioner was the best thing I ever did."  Rio Laine:  Yeah.  Chris Newbold:  And we hear that story time and time again. We heard it in the anecdotal comments in the survey, that people are genuinely finding their groove as opposed to leaving the profession, which is a net brain drain, and we need more lawyers to fill that. Staying in the profession allows the profession to grow. As the profession grows, you can meet more and more of society's needs from a problem-solving perspective, and we know that there are a lot of needs out there that generally go unmet.  Rio Laine:  Yeah. Absolutely. Well, that's fantastic advice. So just to kind of wrap it up, I'm curious to know, what are some trends that you think that we'll see over the next five years? So if we were to do this survey again in five years, do you think there's anything that would continue? Do you think there's new things that would emerge? What are your thoughts?  Chris Newbold:  Yeah. I think the circumstances are right. Societally, we're talking about mental health more. Generationally, folks are being raised in a way in which they're paying more attention to those types of things. And with technology coming, artificial intelligence coming, I think that I'm excited about the prospects for people who want to pursue a solo career, having the means, the willingness, and the courage to naturally kind of go in that direction.  Is it going to work out for everybody? No. Right? But how much will you learn about yourself knowing that you have this great, valuable law degree that your passion is helping people, and then you can do that in a way that doesn't have you bill your time necessarily in eight-minute increments and feel like you're giving up a lot of the things that I think a lot of lawyers struggle with?  And generally, my greatest fear is that people go to law school and ultimately find that they regret the decision that they made. I speak in front of a lot of annual bar meetings. There could be 500 people in the room. I'll ask a very simple question, "If your son or daughter came to you and said, 'Should I go to law school?' would you advise for them to go?" And generally speaking, less than half of the room will raise their hand, and that's a shame.  Rio Laine:  That is a shame.  Chris Newbold:  That indicates that there are systemic issues that people are sitting there going, "I regret the decision that I made." And I am optimistic that through this discussion, through these types of reports and the findings, that we can find a better way for people to thrive and really enjoy being a private practitioner in the legal profession.  Rio Laine:  Awesome. Well, I really hope that that is the case, because, I mean, we need all the lawyers we can get, really.  Chris Newbold:  Yeah.  Rio Laine:  Definitely.  Chris Newbold:  And one of the things, again, what happens with lawyers who are unhappy is they do generally leave the profession. The numbers are pretty staggering. The number of women lawyers who have left the profession, even though they make up more than half the law school classes. Right? Again, you talk about issues of flexibility, acceptance, inclusivity. There are some real devastating impacts on the profession's ability to serve the legal needs of the country when we haven't set up the construct for people to thrive.  And so, I'm most excited about how do we identify those, address those, and then create an environment in which professional satisfaction is where people generally sit there and say, "I'm really proud of being a lawyer, and I don't regret being a lawyer. I'm actually proud to be in this space and the work that I can do to help other people."  Rio Laine:  Yeah. Proud and satisfied.  Chris Newbold:  That's right.  Rio Laine:  That's what we're going for. Great. Well, thanks so much for taking time to sit down with me and talk about the survey and the trends report, Chris.  Chris Newbold:  Thanks, Rio.  Rio Laine:  Really appreciate it. It's always great to hear your insights.  Chris Newbold:  It was fun.  Rio Laine:  Yeah. Thank you so much.  Chris Newbold:  All right.  Rio Laine:  So thank you so much, everybody, for joining us. We'll see you next time on the ALPS In Brief Podcast.   

I love these little biscuits; they really brighten up even the most dreary day, and kids love making them so it's a good school holiday activity. I've added sesame seeds to mine for texture and taste and I recommend you do too, or use poppy seeds. Makes 15-18 Ingredients 100g butter, soft 2/3 cup (about 100g) icing sugar 1 cup plain flour 1 heaped tbsp cornflour 3 tbsps. sesame or poppy seeds (optional) Jam and/or marmalade Method Preheat oven to 170 C. Line a tray with baking paper. Beat butter and icing sugar until pale - I do this for about 5 minutes. Add flours and seeds (if using) and mix well. Roll mixture into balls and place on a tray, making a deep thumb indent into each one. Bake for 15 minutes then remove from oven. Spoon a teaspoon of jam or marmalade into the hollows and return to the oven for 8-10 minutes more. Cool on a wire rack. Why are these worth making? They're quick and easy to make and cook. Great way to use up marmalades or jams. The addition of seeds gives them great texture and flavour. Sensible for portion control – no giant cookies here! LISTEN ABOVE See omnystudio.com/listener for privacy information.

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

Welkom bij Gamekings Daily, de dagelijkse podcast over het laatste nieuws uit de wereld die videogames heet. Elke doordeweeks dag zetten we een nieuwe aflevering voor je online. In 20 minuten bespreken twee hosts van Gamekings het laatste en meest relevante nieuws. Vandaag zit Jasper bij JJ achter de desk. De twee hebben het onder andere over het gerucht dat PlayStation enkele van hun first party games naar de Switch 2 wil gaan brengen. Geloven de twee heren daarin? Wat vinden ze verder van het lek dat meldt dat Xbox en Meta samen een VR-headset op de markt gaan zetten? Dit en enkele andere topics zie en hoor je in de GK Daily van maandag 23 juni 2025.Komen de exclusives van PlayStation ook naar de Switch 2?GK Daily verschijnt op elke doordeweekse dag op je beeldscherm, op de vrijdag na. Dan presenteren we steevast vol trots EvdWL, onze uitgebreide vodcast over al het game gerelateerde nieuws van de week. In GK Daily praten we je in 20 minuten bij over wat er zich allemaal afspeelt in de wereld van videogames. Het hoofdonderwerp betreft het gerucht dat PlayStation er over zou denken om enkele van hun first party games naar de Switch 2 te porten. Wat geloven wij van dit verhaal? Makes it sense? En is het een goed idee dat Xbox nu ook in VR stapt? Of past het perfect bij hun ‘Alles is een Xbox verhaal'?Xbox gaat nu ook met VR aan de slagIn deze vodcast hebben Jasper en JJ het ook over het gerucht dat de 60 fps update van Red Dead Redemption er aan zou komen en de mededeling dat Mafia: The Old Country gold is. We hebben echter nog maar weinig gameplay gezien. Moeten we ons zorgen maken?

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.

Everyone says the best time to travel with a baby is before it can walk. Makes sense, when you think about it. Most toddlers, once they've learnt to trot around the place, live for nothing more. All they want to do is walk. In fact, if you think about it, you really don't want to get close to even blurring the line between rolling and crawling and waddling away. The moment your child is old enough and independently spirited enough to drag themselves around, you're done for. There is no reasoning with an exhausted one-year-old on a packed 777. You can't calmly explain that actually the pilot has just put on the fasten seatbelt sign. You can't even vegetate them with a screen. As the old advice goes, if you're going to travel with a young one, you're best to do it when they're really young. Hold them tight and they'll mistake turbulence for rocking. Chuck them on the boob or the bottle if their ears are popping. And hey, you'll be at your destination in no time! Or not. As someone who usually prides themselves on embracing new experiences, even I'll concede that as our departure date approached, I felt an unmistakably growing sense of anxiety about our journey: 24 hours to Toronto with a four-month-old little boy and his eight-year-old brother. It all seemed so easy when we booked the tickets! The stress really kicked in the moment the taxi arrived to take us to the airport. Having purchased a special travel carseat secondhand, it was a rude shock to discover that it didn't really fit our cab like it fitted the cars in the instructional YouTube videos. Cue ten minutes of wrestling and cursing and a t-shirt neckline already drenched in sweat. Timing an 8pm flight with a baby means being at the airport at 6pm, which means getting a cab at 5.15pm. Our boy is fine in a carseat so long as he's moving. But when it's the beginning of a long weekend and everyone is leaving Auckland at once, nobody's moving. You're lucky to get more than a couple of car lengths without coming to a standstill again. By the time we arrived the airport he'd already screamed his lungs out and my blood pressure was sitting somewhere between concerning and see-a-medical professional immediately. Just 23 hours to go. I've travelled enough and been sat next or near enough babies to know a lot of the theory around flying with little ones, but the thing you only fully appreciate once you're in charge is how precarious any moment of peace always seems. They might be fast asleep in their mother's arms as the plane taxis to the runway, but he's never more than a little jolt away from potentially stirring and screaming. It's like you're cradling a pink, chubby little grenade who's missing a pin. He might go off and it might be catastrophic. He might scream and scream until all the babies on the flight slowly tip off each other, like a cadre of car alarms at 30 thousand feet. Or he might just sleep. The potential for either option is never more than a few seconds away. Of course, some things are just destined to go wrong. The moment you put your baby in the bassinet and he goes to sleep, there will be turbulence and you'll be forced to take him out, bright and alert as a little meerkat. The moment you successfully navigate the Row 48 bathrooms and their slippery changing table and make it back triumphant to your seat, you will recognise a familiar straining expression on your baby's face. The moment you're sure that your son couldn't possibly have any more burps and you just happen to lower that spill cloth for a couple of seconds, he will make sure to exploit that sartorial weakness so before long, his dried milk can mix in with that dried sweat from the taxi, earlier on. The moment you land, you will discover there's been a mix up with the luggage and the carseat that'll take a long time to fix and jeopardise your connection. It will be Lord of the Flies in the customs queue, you will miss your connecting flight and the replacement will somehow fail to have to transferred the infant's booking... so what, you ask, do you suggest we just leave him in Vancouver? Most of this isn't any one person's fault, but rather the inevitable hiccups when navigating the crazy logistics of internal travel. In fairness, Māni did about as well as anyone could expect of a four-month-old, but travelling long haul with a baby has certainly tested my enthusiasm for the whole new experiences thing. Sure, he might have spewed in the middle of the aisle while half the plane was watching him. He might have gone through a dozen nappies, three rompers, a cardigan and no fewer than five bibs, but next time I'll remember that I'm the one who needs to pack extra clothes in his carry on. After it all, there we were, more than 24 hours since we left home, pulling into a quiet street in a little town on Lake Ontario. It was almost 3.30am, local time, the dead of night. Māni's grandparents were waiting to meet their grandson for the first time. Māni's great-grandparents were waiting to meet him for the first time. Bleary eyed and teary eyed, we hugged and cried in the warm summer air. Sons, daughters, aunties, grandparents, and great-grandparents. Four generations, together. And it was all worth it.See omnystudio.com/listener for privacy information.

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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.

A 5 - Year Game Plan To Mortgage Freedom For Millennials - AJ Scott & Nicole Kichko   On this episode I welcome relatively new investors AJ and Nicole, who are young but are already on the right path to financial and mortgage freedom, and on the way to a very early retirement. They started investing only 5 years ago, already own 3 properties and are here to share their incredible story and journey so far! The strategy they've used so far is house hacking, where you purchase a home but either renovate to add additional rental units, or purchase an already renovated duplex, so that it actually MAKES you money the moment you move in. Your expenses drop dramatically while your tenant pays down your mortgage for you! Have they made mistakes? Yes, but willing to share to help others avoid some of them. We talked about how they saved for their down payment; what are their monthly costs, and it's incredibly low; managing risk; mindset; and MORE! And a tip of the week from Gary!   If you are someone who thinks it will be hard to purchase a home, this is the episode for you. House hacking is a strategy that allows you to find a home and help it pay for itself.    This episode proudly sponsored by Our Neighbourhood Realty - ONRI.ca    Realtors, are you looking for a brokerage that truly supports your growth? At Our Neighbourhood Realty, we offer training programs created by experienced agents to help you succeed. Our 'Pathfinder Course' is designed to guide you through the real estate landscape, giving you the tools and knowledge to excel. We also host events featuring top industry experts to ensure you stay ahead in this competitive market. Join a community that values mentorship, innovation, and your success. Visit ONRI.ca  to learn more and become part of our team today!   Please a leave a review, as it helps Gary understand if he's bringing on the right guests that you want to hear from!   To learn more about Gary's mentorship program, visit https://garyhibbert.ca 

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Many people are moving to other countries where the cost of living is lower and their money goes farther. This is called currency hacking or geo arbitrage, and many people are doing this to have more time and financial freedom. Makes economic sense, right? The question is: how do we practice geo arbitrage without being a colonizer asshole? In this episode I explore the underlying dynamics/attitudes/practices that contribute to the soft colonialism that is modern currency hacking and offer 8 ways to move to your dream country and also contribute to the people, culture, environment, and local economy of where you are being hosted. This is an ongoing exploration, not easy answers.  Download my 3-session money magnetism activation, PROSPER, to increase your financial confidence and cash flow:  https://ishavela.com    Apply to book your free financial strategy session: https://vortex-financial.ck.page/71853aa421   Apply to join my team of financial revolutionaries on a mission to empower women with financial education and resources: https://docs.google.com/forms/d/e/1FAIpQLScjU5QXtEnJiBA6kNK46JB4C9M5zJGOHhY2RsZJXwK66gYqjQ/viewform   Access free content on my YouTube channel: https://www.youtube.com/@isha_vela   Follow me on IG:  https://www.instagram.com/isha_vela

Wow, we take one week off, and now we have twice as much to discuss! (Makes sense.) First, the Asian baseball world mourns the passing of Yomiuri Giants legend, Shigeo Nagashima, "Mr. Pro Baseball." Then, into the nitty gritty. With June underway, it's that time of the year for the trade rumor mill to get up and running...and it seems like almost all the Asians on the Red Sox are possible trade chips. In other moves, we've got guys called up, guys on rehab stints, guys on the IL, and even a guy on a new team.In position player news, Asians are MASHING. Seiya Suzuki is the first player in MLB to reach 50 RBI, Trevor Larnach is delivering on the Twins, Kim Hyeseong stays above 400, and Tommy Edman's son Eli is the newest Asian in Baseball as he throws out the first pitch on Dada's bobblehead night. And in pitching, Tommy Sugar still leads Orioles pitching, Yusei Kikuchi and Yoshinobu Yamamoto get the Ohtani treatment, and Bryan Woo and Kodai Senga remain dominant. Lastly, Ohtani tries to have it all as a three-way player: DHing, ramping up his pitching regimen, and juggling dad life. Don't forget to vote for our guys for the All Star Game! https://www.mlb.com/all-star/ballot?affiliateId=asb-mediawall-asg-2025

LA is burning again, but this time it's due to ICE. We cover the "grassroots" movement and the upcoming No Kings protests scheduled for this weekend. Coincidentally, there is a counter protest at yeskings.org. A couple of updates on the situation in Ukraine with some insider drone knowledge. Greta found her floatilla stunt cut short by the IDF. Israel and Iran want to destroy one another, but not on the Orange man's watch. RFK is the new Dr. Mengele according to a Facebook Tier Boomer take. Mark Rutte thinks Russia could eliminate Europe in the next 5 years. Turns out giving your kids phones is bad for their brains, perhaps consider a table saw instead? IDK, it was a weird week, but none the less MMO drops another banger.   Art: Woof has done it again with his rendition of (Hel) LA Think you can do better? Send your art to dan@mmo.show & john@mmo.show   Associate Executive Producers for MMO #173: John H. From Tennessee Cousin Vito Sam S. Of Bourblandia & Beargrass Eli the Coffee Guy, BUY COFFEE, USE CODE : OTO20 Sharky Shark Michael W. From Missouri Nail Lord of Gaylord Wiirdo   This weeks Boosters: tac | 2,222 | BAG DADDY BOOSTER! coincat | 1,902 mrh | 1,000 kvartbeerborn | 250   Dan's Sources: Colombia presidential hopeful shot in head at rally Russia unleashes record number of missiles and drones on Ukraine Iran claims it obtained secret Israeli nuclear and military documents, state media reports How Screen Time Is Damaging Your Childs Brain Massive 'No Kings' protest expected to rain on Donald Trump's (military) parade Rutte: 'Russia could be ready to use military force against NATO within five years' | DW News BREAKING: US military confirms 700 Marines deployed to Los Angeles as protests grow | BBC News Trump and Netanyahu discuss Iran in call as U.S. works toward nuclear deal IDF seizes Greta Thunberg’s Gaza boat—Makes her watch Hamas atrocities Colombia presidential hopeful shot in head at rally Russia unleashes record number of missiles and drones on Ukraine Iran claims it obtained secret Israeli nuclear and military documents, state media reports     John's Shownotes: HELL A            ABC Report            Who is Rioting            >>Map of Riots            Pick A Side Waters            ABC Fun Watching Cars            Weeeeeeeeee The People ISO            Calling Trump on You   Politics            >Trump Account would equal about $5,500 after 17 years using a 10.5% average annual return     Israel            Sanctions   Healthcare            CDC Vaccine Panel Canned   Ukraine            Bribes for Bodies   Media            ABC Terry Moran Suspended            Paramount 60 Min Update   Politic            Paul World Cringe   

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.

Occult reasons or blackmail, somebody better move. A brief word, good to be back. Hello. The Complacency will not hold. If Trump does not begin to arrest people for obvious crimes the Midterms, like the Titanic, sinks. A brief bit about why Musk was triggered and went after Trump. Makes sense.

Occult reasons or blackmail, somebody better move. A brief word, good to be back. Hello. The Complacency will not hold. If Trump does not begin to arrest people for obvious crimes the Midterms, like the Titanic, sinks. A brief bit about why Musk was triggered and went after Trump. Makes sense.

Recently I was asked to review a forthcoming book for American Scientist magazine. The book was entitled, Sweet and Deadly: How Coca-Cola Spreads Disinformation and Makes us Sick. I did the review, and now that the book has been published, I'm delighted that its author, Murray Carpenter, has agreed to join us. Mr. Carpenter is a journalist and author whose work has appeared in publications such as the New York Times, and the Washington Post, and has been featured in places like NPR's All Things Considered and Morning Edition. Interview Summary So, let's start with your career overall. Your journalism has covered a wide range of topics. But a major focus has been on what people consume. First, with your book Caffeinated and now with Sweet and Deadly. What brought you to this interest? My interest in caffeine is longstanding. Like many of us, I consume caffeine daily in the form of coffee. And I just felt like with caffeine, many of us don't really discuss the fact that it is a drug, and it is at least a mildly addictive drug. And so, I became fascinated with that enough to write a book. And that really led me directly in an organic fashion to this project. Because when I would discuss caffeine with people, mostly they just kind of wanted the cliff notes. Is my habit healthy? You know, how much caffeine should I take? And, and in short, I would tell them, you know, if you don't suffer from anxiety or insomnia and you're consuming your caffeine in a healthy beverage, well, that's fine. But, what I realized, of course, is that by volume, the caffeinated beverage people consume most of is sodas. And so that led me to thinking more about sodas because I got a lot of questions about the caffeine in sodas. And that led me to realize just the degree to which they are unhealthful. We've all known sodas not to be a health food, but I think that the degree to which they are not healthy surprised me. And that's what led me to this book. Yes, there's some very interesting themes aren't there with addiction and manipulation of ingredients in order to get people hooked on things. So let's talk about Coca-Cola a bit. Your book focuses on Coca-Cola. It's right there in the title. And certainly, they're giants in the beverage field. But are there other reasons that led you to focus on them? Other than that, the fact that they're the biggest? They're the biggest and really almost synonymous with sodas worldwide. I mean, many people don't say ‘I want a pop, I want a soda.' They say, ‘I want a Coke.' I quote a source as saying that. You know, what that means is you want a sugar sweetened beverage. And it's not just that they're the most successful at this game, and the biggest. But as I started doing this research, I realized that they have also been the most aggressive and the most successful at this sort of disinformation that's the focus of the book. At generating these health campaigns, these science disinformation campaigns, we should say. This is not to say Pepsi and Dr. Pepper have not been at this game as well, and often through the American Beverage Association. But it is to say that I think Coca-Cola has been the most sophisticated. The most invested in these campaigns. And I would argue the most successful. And so, I really think it's a league apart and that's why I wanted to focus on Coca-Cola. That makes good sense. So, in reading your book, I was struck by the sheer number of ways Coca-Cola protected their business interest at the expense of public health and also the degree to which it was coordinated and calculated. Let's take several examples of such activities and discuss exactly what the company has done. And I'd love your opinion on this. One thing you noted that Coke acted partly through other organizations, one of which you just mentioned, the American Beverage Association. There were others where there was sort of a false sense of scientific credibility. Can you explain more about what Coke did in this area? Yes, and one of the organizations that I think is perhaps the exemplar of this behavior is the International Life Sciences Institute. It's a very successful, very well-funded group that purports to you know, improve the health of people, worldwide. It was founded by a Coca-Cola staffer and has, you know, essentially carried water for Coke for years through a variety of direct and indirect ways. But so front groups, the successful use of front groups: and this is to say groups that don't immediately appear to be associated, say with Coca-Cola. If you hear the International Life Sciences Institute, no one immediately thinks Coca-Cola, except for people who study this a lot. The International Food Information Council, another very closely related front group. This is one of the ways that Coke has done its work is through the use of front groups. And some of them are sort of these more temporary front groups that they'll establish for specific campaigns. For example, to fight soda taxes in specific areas. And they often have very anodyne names, and names again that don't directly link them to Coca-Cola or a beverage, the beverage industry. And the reason that this is so important and the reason this is so effective is journalists know if they were saying, Coca-Cola says soda isn't bad for you, of course that raises red flags. If they say, the International Life Sciences Institute says it's not bad for you, if they say the International Food Information Council says it's not bad for you. The use of front groups has been one of the very effective and persistent, strategies. It almost sounds like the word deception could be written the charter of these organizations, couldn't it? Because it was really meant to disguise Coca-Cola's role in these things from the very get go. That's right. Yes. And the deception runs very deep. One of the things that I happened onto in the course of reporting this book, Sweet and Deadly, is Coca-Cola two different times, organized three-day seminars on obesity in Colorado. These two attendees appeared to be sponsored by a press organization and the University of Colorado. They were funded and structured entirely at the behest of Coca-Cola. And it wasn't until after people had attended these seminars and reported stories based on the findings that they'd learned there. Much, much later did people find out that yes, actually these were Coca-Cola initiatives. So yes, deception, runs deep and it's a huge part of their public relations strategy. It's like reputation laundering, almost. Well, it is, and, you know, I make frequent analogies to the tobacco industry in the book. And I think one of the things that's important to remember when we're looking at tobacco and when we're looking at Coca-Cola, at the soda industry writ large, is that these are industries that are producing products that science now shows unequivocally are unhelpful. Even at moderate levels of consumption. So, in order for the industry to continue selling this product, to continue leading, they really have to fight back. It's imperative. It's a risk to their business model if they don't do something to fight the emerging health science. And so, yes, it's very important to them. You know, it's easy, I guess, to ascribe this kind of behavior to ill meaning people within these organizations. But it's almost written into the DNA of these organizations. I mean, you said they have to do this. So, it's pretty much be expected, isn't. It is. I think young people when they hear something like this, they often shrug and say capitalism. And, yes, there's something to that. But capitalism thrives also in a regulated environment. I think that's maybe a little bit too simplistic. But the aspect of it that does apply here is that Coca-Cola is in the business of selling sugar water. That's what they're there to do. Granted, they've diversified into other products, but they are in the business of selling sugar water. Anything that threatens that business model is a threat to their bottom line. And so, they are going to fight it tooth and nail. So how did Coca-Cola influence big health organizations like the World Health Organization and any equivalent bodies in the US? Well, so a few different ways. One of the ways that Coca-Cola has really extended its influence is again, through the use of the front groups to carry messages such as, you know, a calorie is a calorie. Calories and calories out. That's, that's one of the strategies. Another is by having allies in high places politically. And sometimes these are political appointees that happen to be associated with Coca-Cola. Other times these are politicians who are getting funding from Coca-Cola. But, yes, they have worked hard. I mean, the WHO is an interesting one because the WHO really has been out a little bit ahead of the more national bodies in terms of wanting soda taxes, et cetera. But there's a subtler way too, I think, that it influences any of these political entities and these science groups, is that Coca-Cola it's such an all-American beverage. I don't think we can overstate this. It's almost more American than apple pie. And I think we still have not sort of made that shift to then seeing it as something that's unhealthful. And I do think that that has, sort of, put the brakes slightly on regulatory actions here in the US. Let's talk about the Global Energy Balance Network, because this was an especially pernicious part of the overall Coca-Cola strategy. Would you tell us about that and how particular scientists, people of note in our field, by the way, were being paid large sums of money and then delivering things that supported industries positions. Yes. This was a Coca-Cola initiative. And we have to be clear on this. This was designed and created at the behest of Coca-Cola staffers. This was an initiative that was really an effort to shift the balance to the calories outside of the equation. So energy balance is one of these, sort of, themes that Coca-Cola and other people have, sort of, made great hay with. And this idea would be just calories and calories out. That's all that matters. If you're just balanced there, everything else is to be okay. We can talk about that later. I think most of your listeners probably understand that, you know, a calorie of Coca-Cola is not nutritionally equivalent to a calorie of kale. But that's what the Global Energy Balance Network was really trying to focus on. And yes, luminaries in the field of obesity science, you know, Stephen Blair at the University of South Carolina, Jim Hill, then at the University of Colorado's Anschutz Center, the Global Energy Balance Network funded their labs with more than a million dollars to specifically focus on this issue of energy balance. Now, what was deceptive here, and I think it's really worth noting, is that Coca-Cola developed this project. But once it developed the project and gave the funding, it did not want to be associated with it. It wasn't the Global Energy Balance Network 'brought to you by Coca-Cola.' It appeared to be a freestanding nonprofit. And it looked like it was going to be a very effective strategy for Coca-Cola, but it didn't turn out that way. So, we'll talk about that in a minute. How much impact did this have? Did it matter that Coke gave money to these several scientists you mentioned? Well, I think yes. I think in the broader scheme of things that every increment of scientific funding towards this side matters. You know, people talk about the science of industrial distraction or industrial selection. And, you know, partly this is this idea that even if you're funding legitimate science, right, but it's focused on this ‘calories outside of the equation,' it's sucking up some of the oxygen in the room. Some of the public conversation is going to be shifted from the harmful effects of a product, say Coca-Cola, to the benefits of exercise. And so, yes, I think all of this kind of funding can make a difference. And it influences public opinion. So how close were the relationships between the Coca-Cola executives and the scientist? I mean, did they just write them a check and say, go do your science and we will let you come up with whatever you will, or were they colluding more than that? And they were colluding much more than that. And I've got a shout out here to the Industry Documents Library at the University of California at San Francisco, which is meticulously archived. A lot of the emails that show all of the interrelationships here. Yes, they were not just chatting cordially - scientists to Coca-Cola Corporation. They were mutually developing strategies. They were often ready at a moment's notice to appear at a press conference on Coca-Cola's behalf. So, yes, it was a very direct, very close relationship that certainly now that we see the conversations, it's unseemly at best. How did this all come to light? Because you said these documents are in this archive at UCSF. How did they come to light in the first place and how did shining light on this, you know, sort of pseudo-organization take place? Well, here we have to credit, New York Times reporter, now at the Washington Post, Anahad O'Connor, who did yeoman's work to investigate the Global Energy Balance Network. And it was his original FOIA (Freedom of Information Act) requests that got a lot of these emails that are now in the industry document library. He requested these documents and then he built his story in large part off of these documents. And it was a front-page New York Times expose and, Coke had a lot of egg on its face. It's then CEO, even apologized, you know, in an op-ed in the Wall Street Journal. And you know, the sort of a secondary aspect of this is after this funding was exposed, Coca-Cola was pressured to reveal other health funding that it had been spending money on. And that was, I think over a few years like $133 million. They spread their money around to a lot of different organizations and in some cases the organizations, it was just good will. In other cases, you had organizations that changed their position on key policy initiatives after receiving the funding. But it was a lot of money. So, the Global Energy Balance Network, it is sort of opened a chink in their armor and gave people a view inside the machine. And there's something else that I'd love to mention that I think is really important about the Global Energy Balance Network and about that initiative. As Coca-Cola seems, and this became clear in the reporting of the book over and over again, they seem always to be three moves ahead on the chess board. They're not just putting out a brush fires. They're looking way down the road. How do we head off the challenge that we're facing in public opinion? How do we head off the challenge we're facing in terms of soda science? And in many cases, they've been very, very effective at this. Were Coca-Cola's efforts mainly to influence policies and things in the US or did they have their eyes outside the US as well? I focused the book, the reporting of the book, really on Coca-Cola in the US. And also, and I just want to mention this tangentially, it's also focused not on non-nutritive sweetened beverages, but the sugary beverages. It's pretty tightly focused. But yes, Coca-Cola, through other organizations, particularly the International Life Sciences Institute, has very much tried to influence policy say in China, for example, which is a huge market. So yes, they've exported this very successful PR strategy globally. So, the corporate activities, like the ones you describe in your book, can be pretty clearly damaging to the public's health. What in the heck can be done? I mean, who will the change agents be? And do you think there's any hope of curtailing this kind of dreadful activity? Well, this is something I thought about a lot. One of the themes of the book is that the balance of public opinion has never tipped against Coca-Cola. And we talked about this earlier, that it's still seen as this all American product. And we see with other industries and other products. So, you know, Philip Morris, smoking, Marlboro. Eventually the balance of public opinion tips against them and people accept that they're unhealthful and that they've been misleading the public. The same thing happened for Exxon and climate change, Purdue pharma and Oxycontin. It's a pattern we see over and over again. With Coca-Cola, it hasn't tipped yet. And I think once it does, it will be easier for public health advocates to make their case. In terms of who the change agents might be, here we have a really interesting conversation, right? Because the foremost change agent right now looks like it's RFK Jr. (Robert F. Kennedy), which is pretty remarkable and generates an awful lot of shall we say, cognitive dissonance, right? Because both the spending of SNAP Supplemental Nutrition Assistance Program funds for sodas, he's opposed to that. He has just as recently as the week before last called sugar poison. He said sugar is poison. These are the kinds of very direct, very forceful, high level, initiatives that we really haven't seen at a federal level yet. So, it's possible that he will be nudging the balance. And it puts, of course, everybody who's involved, every public health advocate, I think, who is involved with this issue in a slightly uncomfortable or very uncomfortable position. Yes. You know, as I think about the kind of settings where I've worked and this conflict-of-interest problem with scientists taking money and doing things in favor of industry. And I wonder who the change agents are going to be. It's a pretty interesting picture comes with that. Because if you ask scientists whether money taints research, they'll say yes. But if you ask, would it taint your research, they'll say no. Because of course I am so unbiased and I'm so pure that it really wouldn't affect what I do. So, that's how scientists justify it. Some scientists don't take money from industry and there are no problems with conflicts of interest. But the ones who do can pretty easily justify it along with saying things like, well, I can help change the industry from within if I'm in the door, and things like that. The universities can't really police it because universities are getting corporate funding. Maybe not from that particular company, but overall. Their solution to this is the same as the scientific journals, that you just have to disclose. The kind of problem with disclosure as I see it, is that it - sort of editorializing here and you're the guest, so I apologize for intruding on that - but the problem with disclosure is that why do you need to disclose something in the first place because there's something potentially wrong? Well, the solution then isn't disclose it, it's not to do it. And disclosing is like if I come up and kick you in the leg, it's okay if I disclose it? I mean, it's just, there's something sort of perverse about that whole system. Journals there, you know, they want disclosure. The big scientific association, many of them are getting money from industry as well. So, industry has so permeated the system that it's hard to think about who can have any impact. And I think the press, I think it's journalists like you who can make a difference. You know, it wasn't the scientific organizations or anything else that got in the way of the Global Energy Balance Network. It was Anahad O'Connor writing in the New York Times, and all the people who were involved in exposing that. And you with your book. So that's sort of long-winded way of saying thank you. What you've done is really important and there are precious few change agents out there. And so, we have to rely on talented and passionate people like you to get that work done. So, thank you so much for sharing it with us. Let me just end with one final question. Do you see any reason to be optimistic about where this is all going? I do. And I've got to say maybe you're giving scientists a little bit of short shrift here. Because, as the science develops, as it becomes more compelling and a theme of the book is that soda science really, over the past 15, 20 years has become more compelling. More unequivocal. We know the harms and, you know, you can quantify them and identify them more specifically than say, 15 years ago. So, I think that's one thing that can change. And I think slowly you're seeing, greater public awareness. I think the real challenge, in terms of getting the message out about the health risks, is that you really see like a bifurcated consumption of Coca-Cola. There are many people who are not consuming any Coca-Cola. And then you have a lot of people who are consuming, you know, say 20 ounces regularly. So, there is a big question of how you reach this other group of people who are still high consumers of Coca-Cola. And we know and you know this well from your work, that soda labeling is one thing that works and that soda taxes are another. I think those are things to look out for coming down the pike. I mean, obviously other countries are ahead of us in terms of both of these initiatives. One of the things occurred to me as you were speaking earlier, you mentioned that your book was focused on the sugared beverages. Do you think there's a similar story to be told about deception and deceit with respect to the artificial sweeteners? I suspect so, you know. I haven't done the work, but I don't know why there wouldn't be. And I think artificial sweeteners are in the position that sugary beverages were 10 to 15 years ago. There's a lag time in terms of the research. There is increasing research showing the health risks of these beverages. I think people who are public health advocates have been loath to highlight these because they're also a very effective bridge from sugar sweetened beverages to no sugar sweetened beverages. And I think, a lot of people see them as a good strategy. I do think there probably is a story to tell about the risks of non-nutritive sweeteners. So, yes. I can remind our listeners that we've done a series of podcasts, a cluster of them really, on the impact of the artificial sweeteners. And it's pretty scary when you talk to people who really understand how they're metabolized and what effects they have on the brain, the microbiome, and the rest of the body. Bio Murray Carpenter is a journalist and author whose stories have appeared in the New York Times, Wired, National Geographic, NPR, and PRI's The World. He has also written for the Boston Globe, the Christian Science Monitor, and other media outlets. He holds a degree in psychology from the University of Colorado and a Master of Science in environmental studies from the University of Montana, and has worked as a medical lab assistant in Ohio, a cowboy in Colombia, a farmhand in Virginia, and an oil-exploring “juggie” in Wyoming. He lives in Belfast, Maine. He is the author of Caffeinated: How Our Daily Habit Helps, Hurts, and Hooks Us and Sweet and Deadly: How Coca-Cola Spread

Episode 260 for the week of June 2nd, 2025 ... and this is what is going on in our Disney World...Reminder: the 2025 ParkStop Stop Hate Fundraiser is live! >> Link

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. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Kathy Fettke  19:45   this is the real wealth network's Kathy Fettke, and you are listening to the always valuable get rich education with Keith Weinhold.    Keith Weinhold  20:00   You welcome back to get rich education. 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.

So Oakland's broke city government spent five hours and eight employees removing $3,000 worth of citizen-installed speed bumps that actually stopped sideshows for eight months. Makes perfect sense, right? While residents dealt with stolen cars racing through neighborhoods, frightening children and creating chaos, the city ignored four years of complaints—until neighbors took action themselves.We break down how Oakland's Department of Transportation prioritized removing effective DIY safety measures over addressing the actual problem: reckless sideshow participants terrorizing communities. The city claims the speed bumps were a "hazard" while allowing the real hazards—spinning cars, shootings, and mayhem—to return the very next day. Meanwhile, homeless encampments operate without permits, but law-abiding taxpayers get penalized for protecting their neighborhoods.Is this really how cash-strapped Oakland should spend taxpayer money? Why remove solutions that work instead of fast-tracking legal replacements? What does it say when citizens have to choose between following the rules and protecting their families?

In this AppleVis Extra episode, David Nason and Thomas Domville (AnonyMouse) interview Sarah Herrlinger, senior director of Global Accessibility Policy and Initiatives at Apple. They explore Apple's ongoing dedication to accessibility, spotlighting exciting new features designed to better support users with disabilities. The conversation covers several highlights, including Accessibility Nutrition Labels, Braille Access Mode, Magnifier for Mac, and the role of AI in accessibility enhancements.Key Highlights:Accessibility Nutrition LabelA new initiative that provides standardized accessibility info for apps.Developers will showcase features like VoiceOver and captions.Designed to increase awareness and help users easily find accessibility details.Braille Access ModeAvailable on iPhone, iPad, Mac, and Apple Vision Pro.Enables quick note-taking, calculations, and BRF file access with Braille displays.Supports live captioning for DeafBlind users to improve communication.Magnifier for MacTurns your iPhone into a magnifier for Mac users.Uses a secondary camera to enlarge physical objects.Includes zoom, color filters, brightness controls, and OCR with text-to-speech via Accessibility Reader.AI and AccessibilityAI remains a vital tool in accessibility advancements.Enhances image recognition and descriptive capabilities.Continues to be integrated to improve experiences for visually impaired users.User Engagement and FeedbackHighlights the value of user feedback in shaping accessibility features.Encourages users to send suggestions to accessibility@apple.com.Share Accessibility SettingsA new feature lets users temporarily transfer their accessibility settings to another device.Makes it easier for family members to help with troubleshooting and tech support.Listeners are invited to share their thoughts on these features and suggest any other accessibility needs they'd like Apple to consider.TranscriptDisclaimer: This transcript was generated by AI Note Taker – VoicePen, an AI-powered transcription app. It is not edited or formatted, and it may not accurately capture the speakers' names, voices, or content.Dave: Hello there, and welcome to another episode of the AppleVis Extra. My name is David Mason, and I am delighted to be joined once again by Thomas Domville, also known as AnonyMouse, of course. And this is an exciting episode that we, I want to say, annually, semi-annually do, and that is an interview with Apple's Global Head of Accessibility, Sarah Herrlinger. So, looking forward to this one, Thomas.Thomas: Right. I mean, you're right. That is a mouthful. What is your, I had to look that up. Director of Global Accessibility Policy and Initiatives. I'm like, wow. I wonder if that actually fits on her business card in one line. There's no way. They only respond so small.…

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! ...

May 20, 2025Have you had your dose of The Daily MoJo today? Download the APP HERE"Ep 052725: AI Never Lies?  - The Daily MoJo"Pop music's cultural significance and a drug bust involving an ex-flight attendant highlight contemporary issues. The conversation addresses the objectification of women, travel costs, and the rapid advancement of AI. Discussions on movies like 'Atlas' and 'Mission Impossible' explore AI's portrayal. Annie Knight's extreme actions raise health concerns, while storage solutions and legislative issues in Texas regarding THC and CBD products are examined. The narrative blends humor with serious commentary on societal challenges.Phil Bell's Morning Update - Democrats - your party doesn't give a hoot about you: HEREDan Andros - host of The QuickStart Podcast and Managing Editor at CBN.com - Makes it clear that he's no fan of the tariffs. Dan on XFaithwireCBN NewsYouTubeOur affiliate partners:Take care of your body - it's the only one you'll get and it's your temple! We've partnered with Sugar Creek Goods to help you care for yourself in an all-natural way. And in this case, "all natural" doesn't mean it doesn't work! Save 15% on your order with promo code "DailyMojo" at AllNaturalMoJo.comCBD is almost everywhere you look these days, so the answer isn't so much where can you get it, it's more about - where can you get the CBD products that actually work!? Certainly, NOT at the gas station! Patriots Relief says it all in the name, and you can save an incredible 40% with the promo code "DailyMojo" at GetMoJoCBD.com!Romika Designs is an awesome American small business that specializes in creating laser-engraved gifts and awards for you, your family, and your employees. Want something special for someone special? Find exactly what you want at MoJoLaserPros.com  There have been a lot of imitators, but there's only OG – American Pride Roasters Coffee. It was first and remains the best roaster of fine coffee beans from around the world. You like coffee? You'll love American Pride – from the heart of the heartland – Des Moines, Iowa. AmericanPrideRoasters.com   Find great deals on American-made products at MoJoMyPillow.com. Mike Lindell – a true patriot in our eyes – puts his money where his mouth (and products) is/are. Find tremendous deals at MoJoMyPillow.com – Promo Code: MoJo50  Life gets messy – sometimes really messy. Be ready for the next mess with survival food and tools from My Patriot Supply. A 25 year shelf life and fantastic variety are just the beginning of the long list of reasons to get your emergency rations at PrepareWithMoJo50.comStay ConnectedWATCH The Daily Mojo LIVE 7-9a CT: www.TheDailyMojo.com (RECOMMEDED)Rumble: HEREFacebook: HEREMojo 5-0 TV: HEREFreedomsquare: HEREOr just LISTEN:The Daily MoJo Channel Become a supporter of this podcast: https://www.spreaker.com/podcast/the-daily-mojo-with-brad-staggs--3085897/support.

607 w/ Randy Makes Candy - Robert Palmer - Sneakin' Sally Through the Alley: Chris, Nick, and Andy are joined by YouTube confectioner Randy from Randy Makes Candy to break down the title track from the 1974 album Sneakin' Sally Through the Alley by Robert Palmer. 

Let's talk about something that gets tossed around a lot in the world of women's health — MTHFR. You might have heard it mentioned in conversations about fatigue, fertility struggles, anxiety, or detox issues… but what is it really? And how do you know if it's affecting you? Let's break it down together.

What if I told you that most interviews are mind-numbingly boring, and you're probably doing them wrong? Today I interview Tracy Johnson, and after decades in radio and working with countless shows, he's written a book, Mic Drop Moments, that shares the secrets to transforming mediocre conversations into absolute "Didya Hear That?!" moments. In this episode, we pull back the curtain on selecting guests that will electrify your audience, ask questions that make people lean in, and tell stories that keep listeners hanging on every word. Whether you're a seasoned podcaster or just starting out, what we share will completely change how you approach interviews forever. So if you're ready to stop settling for bland, forgettable conversations and start creating audio magic, hit play right now.The Triple Threat Filter for Interview Guests:1. Familiarity- How well-known is the guest to your audience?- A familiar guest brings built-in interest and recognition- More famous guests typically make better interview subjects- Provides an immediate connection for listeners2. Relevance- Does the guest's story or background matter to your audience?- Must align with your podcast's theme and target listeners- Simply being famous isn't enough if the content doesn't resonate- The guest should provide value specific to your show's focus3. Interest/Entertainment- Can the guest tell a compelling story?- Ability to be engaging, dynamic, and captivating- Brings unique perspectives or unexpected narratives- Makes the host look good by providing memorable contentAim to have at least two out of three criteria met. If you lose two out of three, the interview will likely be challenging to make interesting. The ultimate goal is to leverage the guest's story to enhance your podcast's entertainment value.The 3E's of Entertainment:1. Enhance- Add extra details to make the story more interesting- Go beyond the basic facts- Ask questions like "What were you thinking at that moment?"- Create additional context that wasn't initially present- Make the story more vivid and engaging2. Exaggerate- Slightly amplify the story's impact- Turn a small moment into a bigger narrative- Example: A small fish becomes "the biggest catch of the season."- Create dramatic tension without losing the core truth- Make the story more memorable and exciting3. Embellish- Add creative storytelling elements- Stage the story for maximum entertainment value- Take a brief moment and turn it into a full narrative- Example: A simple backstage conversation becomes an epic ping pong challenge- Use creative license to make the story more compellingAs audiences crave authenticity, Tracy isn't saying to lie, but you can bring in adjectives that trigger the theater of the mind.Resources MentionMic Drop Moments BookTracy Johnson Media WebsiteSchool of PodcastingEpisode 677 The Ultimate Guide to Hosting and Guesting Podcast Interviews

ADHD is not genetic! In this video, we'll examine the profound connection between ADHD and diet. Discover the foods that worsen ADHD symptoms, the relationship between ADHD and sugar intake, and the best ADHD diet to address the nutritional deficiencies that may be causing some of the symptoms in the first place. 0:00 Introduction: ADHD and poor nutrition0:13 ADHD diagnosis and ADHD symptoms 1:54 Side effects of ADHD medications 2:04 ADHD causes 3:32 ADHD and food4:24 ADHD and nutritional deficiencies 6:20 The best ADHD dietAttention deficit hyperactivity disorder is typically diagnosed by identifying the following ADHD symptoms:•Makes mistakes easily•Lack of attention to detail•Does not listen when spoken to directly •Doesn't complete tasks •Cannot play quietly•Problems organizing •Loses things•Frequent fidgeting •Too much energy•Talks too much Many ADHD symptoms are normal childhood behaviors, and a poor diet can exaggerate all of them. ADHD is often treated with Adderall and Ritalin, which make lots of money for Big Pharma. The definition of ADHD has been dramatically expanded to make it more diagnosable, putting more people on medication.A double-blinded study showed that after 36 months, any benefits from Adderall faded to zero. It also has side effects such as aggressive behavior or a dulled mood. ADHD involves a metabolic problem with the prefrontal cortex of the brain. These metabolic changes affect the way the brain metabolizes fuel. If the brain is starved of fuel, you may exhibit symptoms like a lack of attention and hyperactivity. Chemicals like food dyes, artificial sweeteners, sugar, starch, and MSG tremendously impact behavior. Increasing dopamine can improve focus and feelings of calmness. Foods such as meat, fish, eggs, and cheese are high in the amino acid L-tyrosine, the precursor to dopamine.Research has shown that micronutrients, especially B6, magnesium, and zinc, can significantly decrease ADHD symptoms. Omega-3 fatty acids and fish oils can also improve symptoms without side effects. Vitamin B1 is one of the most overlooked nutrients, especially in psychiatric conditions. When a child consumes a lot of glucose, vitamin B1 is depleted, inhibiting the brain's ability to utilize fuel. If an adult or child is experiencing ADHD symptoms, they should switch to a low-carb diet so their body can run on ketones. Ketones will fuel the neurons and restore a sense of calmness and increased attention span. Dr. Eric Berg DC Bio:Dr. Berg, age 60, is a chiropractor who specializes in Healthy Ketosis & Intermittent Fasting. He is the author of the best-selling book The Healthy Keto Plan, and is the Director of Dr. Berg Nutritionals. He no longer practices, but focuses on health education through social media.