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HOLLYWOOD ROYALTY: EP.12 – THE HANDMAID'S TALE/THE TEMP/RUNNING MATES This week on Hollywood Royalty, it's time for our penultimate episode featuring the Faye you love to hate with three films that show the actress' knack for exploring characters that, while not outright villains, defy conventional likability. First up, we look at Faye's chilly take on […]
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Saioa López nos cuenta los eventos del fin de semana de baloncesto en Ibaiondo.
Karine Premont and Christopher Devine have a new edited volume focusing on the American Vice Presidency and analyzing not just the office and the officeholders, but also the role of vice presidential candidates in the campaigns for the presidency. Second in Command: Reevaluating the Role of Vice Presidents and Running Makes in Modern American Politics (U Michigan Press, 2026) is a fascinating exploration of the role and place of the vice president, the vice presidency, and the vice presidential running mate. Often this position and this job are dismissed—since the vice president has very few actual powers, besides his/her role as president of the Senate and tiebreaker in that body, and one of the certifiers of the Electoral College votes after an election. But in the contemporary political environment, vice presidents have grown in importance in terms of their role on the presidential ticket and in their role once elected to office. Second in Command is split into two parts, the first section focusing on the vice president in office, while the second part examines the vice presidential candidate and the role of being a running mate to a presidential candidate. In our conversation we discuss the fact that the vice president is often considered to be the “appendix” of American government, created at the Constitutional Convention to break a tie in the Senate, should there be one, and to solve the problem coming out of the newly designed Electoral College where two votes needed to be cast for president. But over the past fifty years, there has been tremendous change in terms of the inhabitants in the office, their relationship to the president and the presidency, and their activities on the campaign trail. Vice Presidents have become general advisors to the president. This precedent was established between President Jimmy Carter and his vice president, Walter Mondale. And since the 1970s, this newly engaged position and role for the vice president have generally been in place, with different approaches from different presidents/vice presidential pairs. The idea of trying to “balance” the ticket is still part of the selection dynamic, but it is as important as the working relationship that presidents have pursued with their vice presidential pick. We had a fascinating discussion of the history of the vice presidency as well as an analysis of the more modern dynamic. We talked about different parts of ticket balancing, since it is not necessarily about geography so much as constituent appeals: religious groups, gender, expertise/experience, and more. Second in Command: Reevaluating the Role of Vice Presidents and Running Mates in Modern American Politics is available from the University of Michigan Press via open access. Here is the link: https://doi.org/10.3998/mpub.14505045 It can, of course, also be purchased. Lilly J. Goren is a professor of political science at Carroll University in Waukesha, WI. She is co-host of the New Books in Political Science channel at the New Books Network. She is co-editor of The Politics of the Marvel Cinematic Universe Volume I: The Infinity Saga (University Press of Kansas, 2022), and of The Politics of the Marvel Cinematic Universe Volume II: Into the Multiverse (University Press of Kansas, 2025) as well as co-editor of the award winning book, Women and the White House: Gender, Popular Culture, and Presidential Politics (University Press of Kentucky, 2012). She can be reached @gorenlj.bsky.social Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network
Karine Premont and Christopher Devine have a new edited volume focusing on the American Vice Presidency and analyzing not just the office and the officeholders, but also the role of vice presidential candidates in the campaigns for the presidency. Second in Command: Reevaluating the Role of Vice Presidents and Running Makes in Modern American Politics (U Michigan Press, 2026) is a fascinating exploration of the role and place of the vice president, the vice presidency, and the vice presidential running mate. Often this position and this job are dismissed—since the vice president has very few actual powers, besides his/her role as president of the Senate and tiebreaker in that body, and one of the certifiers of the Electoral College votes after an election. But in the contemporary political environment, vice presidents have grown in importance in terms of their role on the presidential ticket and in their role once elected to office. Second in Command is split into two parts, the first section focusing on the vice president in office, while the second part examines the vice presidential candidate and the role of being a running mate to a presidential candidate. In our conversation we discuss the fact that the vice president is often considered to be the “appendix” of American government, created at the Constitutional Convention to break a tie in the Senate, should there be one, and to solve the problem coming out of the newly designed Electoral College where two votes needed to be cast for president. But over the past fifty years, there has been tremendous change in terms of the inhabitants in the office, their relationship to the president and the presidency, and their activities on the campaign trail. Vice Presidents have become general advisors to the president. This precedent was established between President Jimmy Carter and his vice president, Walter Mondale. And since the 1970s, this newly engaged position and role for the vice president have generally been in place, with different approaches from different presidents/vice presidential pairs. The idea of trying to “balance” the ticket is still part of the selection dynamic, but it is as important as the working relationship that presidents have pursued with their vice presidential pick. We had a fascinating discussion of the history of the vice presidency as well as an analysis of the more modern dynamic. We talked about different parts of ticket balancing, since it is not necessarily about geography so much as constituent appeals: religious groups, gender, expertise/experience, and more. Second in Command: Reevaluating the Role of Vice Presidents and Running Mates in Modern American Politics is available from the University of Michigan Press via open access. Here is the link: https://doi.org/10.3998/mpub.14505045 It can, of course, also be purchased. Lilly J. Goren is a professor of political science at Carroll University in Waukesha, WI. She is co-host of the New Books in Political Science channel at the New Books Network. She is co-editor of The Politics of the Marvel Cinematic Universe Volume I: The Infinity Saga (University Press of Kansas, 2022), and of The Politics of the Marvel Cinematic Universe Volume II: Into the Multiverse (University Press of Kansas, 2025) as well as co-editor of the award winning book, Women and the White House: Gender, Popular Culture, and Presidential Politics (University Press of Kentucky, 2012). She can be reached @gorenlj.bsky.social Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/political-science
Karine Premont and Christopher Devine have a new edited volume focusing on the American Vice Presidency and analyzing not just the office and the officeholders, but also the role of vice presidential candidates in the campaigns for the presidency. Second in Command: Reevaluating the Role of Vice Presidents and Running Makes in Modern American Politics (U Michigan Press, 2026) is a fascinating exploration of the role and place of the vice president, the vice presidency, and the vice presidential running mate. Often this position and this job are dismissed—since the vice president has very few actual powers, besides his/her role as president of the Senate and tiebreaker in that body, and one of the certifiers of the Electoral College votes after an election. But in the contemporary political environment, vice presidents have grown in importance in terms of their role on the presidential ticket and in their role once elected to office. Second in Command is split into two parts, the first section focusing on the vice president in office, while the second part examines the vice presidential candidate and the role of being a running mate to a presidential candidate. In our conversation we discuss the fact that the vice president is often considered to be the “appendix” of American government, created at the Constitutional Convention to break a tie in the Senate, should there be one, and to solve the problem coming out of the newly designed Electoral College where two votes needed to be cast for president. But over the past fifty years, there has been tremendous change in terms of the inhabitants in the office, their relationship to the president and the presidency, and their activities on the campaign trail. Vice Presidents have become general advisors to the president. This precedent was established between President Jimmy Carter and his vice president, Walter Mondale. And since the 1970s, this newly engaged position and role for the vice president have generally been in place, with different approaches from different presidents/vice presidential pairs. The idea of trying to “balance” the ticket is still part of the selection dynamic, but it is as important as the working relationship that presidents have pursued with their vice presidential pick. We had a fascinating discussion of the history of the vice presidency as well as an analysis of the more modern dynamic. We talked about different parts of ticket balancing, since it is not necessarily about geography so much as constituent appeals: religious groups, gender, expertise/experience, and more. Second in Command: Reevaluating the Role of Vice Presidents and Running Mates in Modern American Politics is available from the University of Michigan Press via open access. Here is the link: https://doi.org/10.3998/mpub.14505045 It can, of course, also be purchased. Lilly J. Goren is a professor of political science at Carroll University in Waukesha, WI. She is co-host of the New Books in Political Science channel at the New Books Network. She is co-editor of The Politics of the Marvel Cinematic Universe Volume I: The Infinity Saga (University Press of Kansas, 2022), and of The Politics of the Marvel Cinematic Universe Volume II: Into the Multiverse (University Press of Kansas, 2025) as well as co-editor of the award winning book, Women and the White House: Gender, Popular Culture, and Presidential Politics (University Press of Kentucky, 2012). She can be reached @gorenlj.bsky.social Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies
Karine Premont and Christopher Devine have a new edited volume focusing on the American Vice Presidency and analyzing not just the office and the officeholders, but also the role of vice presidential candidates in the campaigns for the presidency. Second in Command: Reevaluating the Role of Vice Presidents and Running Makes in Modern American Politics (U Michigan Press, 2026) is a fascinating exploration of the role and place of the vice president, the vice presidency, and the vice presidential running mate. Often this position and this job are dismissed—since the vice president has very few actual powers, besides his/her role as president of the Senate and tiebreaker in that body, and one of the certifiers of the Electoral College votes after an election. But in the contemporary political environment, vice presidents have grown in importance in terms of their role on the presidential ticket and in their role once elected to office. Second in Command is split into two parts, the first section focusing on the vice president in office, while the second part examines the vice presidential candidate and the role of being a running mate to a presidential candidate. In our conversation we discuss the fact that the vice president is often considered to be the “appendix” of American government, created at the Constitutional Convention to break a tie in the Senate, should there be one, and to solve the problem coming out of the newly designed Electoral College where two votes needed to be cast for president. But over the past fifty years, there has been tremendous change in terms of the inhabitants in the office, their relationship to the president and the presidency, and their activities on the campaign trail. Vice Presidents have become general advisors to the president. This precedent was established between President Jimmy Carter and his vice president, Walter Mondale. And since the 1970s, this newly engaged position and role for the vice president have generally been in place, with different approaches from different presidents/vice presidential pairs. The idea of trying to “balance” the ticket is still part of the selection dynamic, but it is as important as the working relationship that presidents have pursued with their vice presidential pick. We had a fascinating discussion of the history of the vice presidency as well as an analysis of the more modern dynamic. We talked about different parts of ticket balancing, since it is not necessarily about geography so much as constituent appeals: religious groups, gender, expertise/experience, and more. Second in Command: Reevaluating the Role of Vice Presidents and Running Mates in Modern American Politics is available from the University of Michigan Press via open access. Here is the link: https://doi.org/10.3998/mpub.14505045 It can, of course, also be purchased. Lilly J. Goren is a professor of political science at Carroll University in Waukesha, WI. She is co-host of the New Books in Political Science channel at the New Books Network. She is co-editor of The Politics of the Marvel Cinematic Universe Volume I: The Infinity Saga (University Press of Kansas, 2022), and of The Politics of the Marvel Cinematic Universe Volume II: Into the Multiverse (University Press of Kansas, 2025) as well as co-editor of the award winning book, Women and the White House: Gender, Popular Culture, and Presidential Politics (University Press of Kentucky, 2012). She can be reached @gorenlj.bsky.social Learn more about your ad choices. Visit megaphone.fm/adchoices
Juanpa López nos da los detalles de la sexta edición de este torneo que se celebra este fin de semana
Welcome to our On The Piss Podcast, where we catch up, get on the piss and talk shit!Plenty happening this week, would you give us a good deal if you were selling a house?Leave us a message for the Pod: https://www.speakpipe.com/BloodyBrilliantbeers Hosted on Acast. See acast.com/privacy for more information.
They bought an office in lockdown when nobody else was buying. Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/founded. Application times may vary. Rates may vary. Two mates met on a rugby pitch, became accountant and client, then bought an office building in the middle of lockdown, when no one else was buying. In this episode, Ollie speaks to Rhys Jones (The Online Accountant) and Olly Ladbrooke (Moose Studios), business partners behind the Bristol Office Hub, about going from corporate life to running multiple businesses side by side. They get honest about the mindset shift from employee to serial entrepreneur, the brutal moment a down-valuation left them scraping to fund a leaking roof, why complementary skills beat codified roles, and how community and referrals (not contrived networking) quietly built everything. Plus, we explore AI in accountancy and marketing, and why "just show up and take action" still wins. Whether you're a solo founder feeling the isolation or weighing up a big risk, this one's for you. LISTENER TAKEAWAYS 1. Resilience isn't a trait; it's a position. Their first building ran "like a dream", which is exactly what gave them the confidence and cushion to survive a brutal down-valuation on the second. 2. Cash buys you calm. Build six to twelve months of runway in the first two years, keep it lean, and you stop pouring energy into chasing bills instead of growing. 3. Action beats overthinking. No scaremongering about AI, these business partners just show up, make the call, and move forward. 90% of success is being there and taking the next step. GUESTS Rhys Jones, accountant and co-founder of The Online Accountant and The Property Accountant. Left corporate life to go solo, took on Olly as client number one, now runs a six-person practice. Olly Ladbrooke, chartered surveyor (ex-BNP Paribas) and founder of Moose Studios, a marketing agency with offices in Bristol and London. Together they own and run the Bristol Office Hub. Bristol Office Hub — bristolofficehub.co.uk (195–197 Whiteladies Road, Bristol) Moose Studios - moosestudios.co.uk The Online Accountant - theonlineaccountant.com Have questions about this episode? Ask our hosts, chat now via our website Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
In this episode, we compared a final draft script of S1's The Hideaway and a first draft script of the first episode filmed for S2 Hospital Mates to the filmed versions. And before we get into the scripts, we discuss four new instances of The Odd Couple IP / the cast in the zeitgeist.
On the 241st episode of the Ego Chall Podcast, Justin Binkowski and Preston Byers discuss the one of the greatest nights of Call of Duty League (CDL) RosterMania and in CoD Twitter history, including the beef between Neptune and Envoy, as well as the rumored Toronto KOI, Paris Gentle Mates, and Miami Heretics changes involving JoeDeceives, Neptune, Sib, ReaaL, Traixx, and more.
In this episode, I explore one of the biggest contradictions I see in men today: we're quick to support others, but struggle to ask for help ourselves. We discuss: • Why so many men carry stress and pressure in silence • The "I'll be grand" mindset and where it comes from • Why suppression is often mistaken for strength • My own experience with therapy and the stigma I felt • Why many men wish they had asked for support sooner A conversation about pressure, responsibility, and what men often carry behind closed doors.
Does your relationship sometimes feel like you're living with a room mate? Does it ever feel operational. Focused around all the to-dos? Do you find you point score, snap, feel unseen, underappreciated at times? If you do, this is so normal. After kids it can be hard to find time to reconnect. Sometimes micro moments of connection; watching a show together, cooking together, a text or 2 during the day, a quick thank you, a hug can make all the difference.I delve into this and more during this solo episode.Sex episode referenced:Spotify link - https://open.spotify.com/episode/3DmUWZe77O6vtw2I1Ao2gb?si=WDyE20r0SiG0qWY3bIyZeAApple podcasts link - https://podcasts.apple.com/au/podcast/real-talk-how-often-parents-are-having-sex/id1534951122?i=1000755622592Find Parenthood at:Follow Parenthood on Instagram @parenthoodpod ShareWe'd love it if you could share this episode with a friend! Parenthood Podcast acknowledge the Traditional Custodians of theland on which we work and live, and recognise their continuing connection toland, water and community. We pay respect to Elders past, present and emerging. Hosted on Acast. See acast.com/privacy for more information.
We're back again with another massive episode. The last week has proven what we always say: Friends of the pod don't lose! We recap all the action from china, which saw George Mangos, Kasib Murdoch, Jake Matthews, and Angela Hill all win! Plus we preview this weeks UFC fight night which sees Tom Nolan and Junior Tafa in action. We also discuss our Vegas plans to see Conor McGregor, and much more! Hit the download button and step into the cage. Presented by Compa Tequila. Use code FOOK10 for 10% off all order and Engage.
Just when we thought the biggest drama around the chess world was reserved for a 1980s British mega-musical about US/Soviet Cold War relations, along comes a bunch of tech bros at Chess.com to steal the crown. Apparently winning at chess online can lead to some big earnings, and rumors and allegations of cheating start to fly after a young upstart player starts dominate on the site. And don't even get us started on the anal beads, Fam....Find and watch "Untold: Chess Mates" on NetflixLOOKING FOR MORE TCO? On our Patreon feed, you'll find over 400 FULL AD-FREE BONUS episodes to BINGE RIGHT NOW, including our episode-by-episode coverage of popular documentary series like Love Has Won: The Cult of Mother God, LulaRich, and The Curious Case of Natalia Grace; classics like The Jinx, Making A Murderer, and The Staircase; and well-known cases like The Menendez Murders, Casey Anthony: American Murder Mystery, and The Disappearance of Madeleine McCann, and so many more!Episode Sponsors: Earnin - Get access to your pay as you work. Download the Earnin app in the Google Play or Apple app store Shopify - In 2026, stop waiting and start selling! Sign up for your one-dollar-per-month trial period at www.shopify.com/obsessed DripDrop - Doctor-developed hydration that works faster than water alone.Use promo code TCO at www.dripdrop.com for 20% off your first order! Rocket Money - Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to www.RocketMoney.com/obsessed today. DraftKings Casino - New players, download the DraftKings Casino app and use code TCO WE'RE ON YOUTUBE - Want to view the episodes and not just listen? Check our new video feed to see full video episodes starting today. CLICK HERE TO WATCH AND SUBSCRIBE!Join the TCO Community! Follow True Crime Obsessed on Instagram and TikTok, and join us on Facebook at the True Crime Obsessed Podcast Discussion Group! AND INTRODUCING THE NEW TCO DISCORD CHANNEL AS WELL!!!
We are back in a galaxy far far away to see if daddy Pedro and sweet baby Grogu can not only save the day but also the Star Wars franchise itself. Join Andrew, Craig and Paul as they breakdown the key moments from the film and give their scores.What did you think of the film? Is Star Wars back? Let us know in the comments. --Welcome to With Mates! If you want to hear four friends talking about the latest film, TV and games then you've come to the right place. I know we can't believe no one's thought of doing this either...Be sure to like, share and subscribe to get the latest updates and videos. Think we've all got faces for radio? Then LISTEN to our episodes instead wherever you get your podcasts. https://linktr.ee/withmatesEdited by: @PurpleCoffinsFOLLOW US EVERYWHERE:@WithMatesPod FOLLOW YOUR NEW MATES:Andrew: @AndalfTheGrayCraig: @CraigAndrewMooneyJosef: @JosefBoonPaul: @StirratStory
Bernthal is back for one last kill....because Spider-Man is rated PG. What did you think of the special? Let us know in the comments.--Welcome to With Mates! If you want to hear four friends talking about the latest film, TV and games then you've come to the right place. I know we can't believe no one's thought of doing this either...Be sure to like, share and subscribe to get the latest updates and videos. Think we've all got faces for radio? Then LISTEN to our episodes instead wherever you get your podcasts. https://linktr.ee/withmatesEdited by: @PurpleCoffinsFOLLOW US EVERYWHERE:@WithMatesPod FOLLOW YOUR NEW MATES:Andrew: @AndalfTheGrayCraig: @CraigAndrewMooneyJosef: @JosefBoonPaul: @StirratStory
After 7 years, the show that redefined the superhero genre comes to a close. Join Andrew, Craig and Paul as they discuss the good, the bad, and the downright diabolical series finale of THE BOYS! What did you think of the finale? What's your season rating out of 10? Let us know in the comments. --Welcome to With Mates! If you want to hear four friends talking about the latest film, TV and games then you've come to the right place. I know we can't believe no one's thought of doing this either...Be sure to like, share and subscribe to get the latest updates and videos. Think we've all got faces for radio? Then LISTEN to our episodes instead wherever you get your podcasts. https://linktr.ee/withmatesEdited by: @PurpleCoffinsFOLLOW US EVERYWHERE:@WithMatesPod FOLLOW YOUR NEW MATES:Andrew: @AndalfTheGrayCraig: @CraigAndrewMooneyJosef: @JosefBoonPaul: @StirratStory
Season 4 is over and your mates want to discuss the mayhem. Join Andrew, Craig and Josef as they breakdown the finale and reflect on the season as a whole. Was this the best season Invincible? What are you most looking forward to in future seasons? And give us your ratings out of 10 for the season. Comment below. ---Welcome to With Mates! If you want to hear four friends talking about the latest film, TV and games then you've come to the right place. I know we can't believe no one's thought of doing this either...Be sure to like, share and subscribe to get the latest updates and videos. Think we've all got faces for radio? Then LISTEN to our episodes instead wherever you get your podcasts. https://linktr.ee/withmatesFOLLOW US EVERYWHERE:@WithMatesPod FOLLOW YOUR NEW MATES:Andrew: @AndalfTheGrayCraig: @CraigAndrewMooneyJosef: @JosefBoonPaul: @StirratStoryEditing by: @PurpleCoffins
Every podcast we've ever done has led to this moment. Watch your mates breakdown Maul Shadow Lord Season 1 in all its glorious detail. Was this the best thing Disney Star Wars has done? Who'd win in a fight Dooku or Maul? Let us know in the comments. ---Welcome to With Mates! If you want to hear four friends talking about the latest film, TV and games then you've come to the right place. I know we can't believe no one's thought of doing this either...Be sure to like, share and subscribe to get the latest updates and videos. Think we've all got faces for radio? Then LISTEN to our episodes instead wherever you get your podcasts. https://linktr.ee/withmatesFOLLOW US EVERYWHERE:@WithMatesPod FOLLOW YOUR NEW MATES:Andrew: @AndalfTheGrayCraig: @CraigAndrewMooneyJosef: @JosefBoonPaul: @StirratStory
En este episodio me tomo un café con Marcos Marrero, en el que hablamos de las matemáticas OAOA. Grupo de Telegram https://t.me/+QVvG6dBfvhS3g5CnÁFRICA SOLIDARIO OAOAhttps://drive.google.com/drive/folders/1X_kZ5lHQDhlrtfNCGjB9VoZDTxF31CtcCUADERNOS OAOAhttps://share.google/PZAvkOrt03pucYvEa
(This was previously recorded as a live stream, which can be found on our Facebook page, X account, or YouTube channel.) Watch Jeff talk about a press conference Anchorage Mayor Suzanne LaFrance held today on "public safety," Democrat gubernatorial candidate Tom Begich's running mate, and the June 1 filing deadline, which is just five days away.
Ahoy Mateys! This week's pantry pick from the MATES archive comes straight from a loyal Matey, who challenged Mike and Tom to try an unforgettable snack combo. Join the MATES Club for even more snacking: https://realm.supportingcast.fm/matesclub Watch MATES on YouTube: https://www.youtube.com/@MikeAndTomEatSnacks Learn more about your ad choices. Visit megaphone.fm/adchoices
On the 238th episode of the Ego Chall Podcast, Justin Binkowski and Preston Byers discuss the ongoing Call of Duty League (CDL) RosterMania, including reported, rumored, and confirmed roster changes by the Paris Gentle Mates, G2 Minnesota, Vancouver Surge, Carolina Royal Ravens, and Cloud9 New York.
Donald Trump has diminished America on the world stage and the nation seems to have fewer and fewer allies. Adam Serwer of the Atlantic joins Chris and Jarv to discuss why the US needs friends even if Trump doesn't think so. Back us on Patreon – we need your help to keep going. Get ad free episodes, extra bits and merch: https://www.patreon.com/c/americanfriction We're now on Youtube: https://www.youtube.com/@AmericanFrictionPod Follow us on social media: BlueSky Instagram TikTok Written and presented by Chris Jones, Nikki McCann Ramirez and Jacob Jarvis. Producer: Group Editor: Andrew Harrison. Managing Editor: Jacob Jarvis Executive producer: Martin Bojtos. Artwork by James Parrett. Music: Orange Factory Music. AMERICAN FRICTION is a Podmasters Production. www.podmasters.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices Learn more about your ad choices. Visit podcastchoices.com/adchoices
Simon's live update for James O'Brien's morning programme on LBC. Today:-- Trump TACOs over Iran...again-- Trump's audacious plan to funnel taxpayer cash to his mates-- And it's a big night in Kentucky Republican politics.
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What happens when two best mates decide not to let disability stop them from seeing the world?In this episode of ListenABLE, Dylan Alcott and Angus O'Loughlin sit down with Fletcher and Lachie, the duo behind the viral social account “Two Mates One Chair”. After a mountain biking accident left Fletch paraplegic, the pair turned friendship, humour and pure determination into a global adventure that's inspiring millions online.From piggybacking up 270 slippery stairs in Hong Kong, to navigating inaccessible train stations in Europe, ATV mishaps in Brazil, and discovering the kindness of strangers around the world, this conversation is equal parts hilarious, emotional and eye-opening.The boys open up about:The reality of travelling the world in a wheelchairGoing viral online while backpacking internationallyAccessibility challenges across Europe, Asia and South AmericaFletcher's life-changing mountain biking accidentFriendship, disability and learning to ask for helpWhy people with disability still deserve adventureThe countries that surprised them most with accessibilityHow social media has changed perceptions around disabilityThe messages from followers that changed everythingWhy saying “yes” has completely transformed their livesThis is one of the funniest and most uplifting ListenABLE episodes yet, while also delivering an important conversation around accessibility, inclusion and the power of friendship.Follow Two Mates One Chair https://www.instagram.com/twomates1chair/Follow us:https://www.instagram.com/listenable_podcast/00:00 Ability Fest & Dylan Alcott Foundation02:40 Meet “Two Mates One Chair”05:50 The first viral video07:14 Accessibility around the world16:14 Fletcher's mountain bike accident20:40 Learning the art of the piggyback27:00 What happens after the trip ends?29:00 Advice for young people with disability32:00 “My life is 10 times better now”35:50 How people treat disability overseas38:00 Dating, nightlife & travelling together39:40 What's next for the boys?disability travel stories ,paraplegic travel, wheelchair backpacking ,accessible tourism, spinal cord injury recovery, wheelchair travel vlog, disability awareness podcast, ListenABLE podcast, inclusive travel, viral travel story, Australian travel creators, adaptive lifestyle
Season 6, Episode 745: Fated Mates and Spicy Scenes: A Deep Dive into Paranormal Shifter Romance Writing with Author Adeline Bryant, plus excerpt from Adeline's Book "Fated", narrated by podcast host and narrator Ruan Willow. The excerpt is at the end, but also it is its own episode on the podcast in episode 744. Author Bio: Author's website. https://addiewrotethat.com/ Get the book "Fated" (affiliate link) https://amzn.to/4uhcQvP Adeline Bryant is an award-winning indie author of emotionally raw stories that explore identity, belonging, and the cost of choice. Armed with a doctorate in education and an endless supply of imagination, she's always been fascinated by the transformative power of stories and the bonds they create. Adeline lives in Minneapolis, MN, with her husband and their two feline overlords. When she's not writing, she can usually be found devouring books, rocking her signature red lipstick, and shamelessly belting out Taylor Swift songs. She firmly believes that every great story deserves a bottle of wine and a healthy dose of magic (and smut) Discussion Topics: Romance Author, Indie Author, Honey And Jalapeno Book Fair, Minneapolis, Paranormal Romance, Fated Mates, Male-Male Romance, Book Excerpt, Character Development, World Building, Writing Process, Emotional Storytelling, Indie Publishing, Book Events, Creative Writing, Author Interviews, Writing Community, Smut In Romance, Character Arcs, Storytelling Techniques Quotes from Adeline Bryant "I think it's really healing for especially women to read these kinds of things." "Just do things. Keep reading. Keep reading smutty books." Summary: Adeline discusses her debut novel, "Fated", a paranormal romance featuring wolf shifters and a spicy male-male love story between an alpha wolf and a beta. Discover what inspired her to transition from reading thrillers to writing romance, the importance of including sensuality in storytelling, and the challenges of indie publishing. Adeline also reveals her unique approach to world-building and how her characters came to life. She wrote a bible for the world the wolves live in! As we prepare for the upcoming Honey and Jalapeno Book Fair in Minnesota, Adeline shares exciting details about her character-inspired candle collaboration and the immersive experience she aims to create for her readers. Enjoy the chat about the transformative power of stories, the joy of indie publishing, and the importance of embracing creativity. Just gotta dive in and write that book! Ruan's Book: Beach House Views: https://books.ruanwillowauthor.com/beachhouseviewsbook https://mybook.to/beachhouseviews Copyright Pink Infinity Publishing 2026. All Rights Reserved.
NEW MERCH AVAILABLE NOW SWAGGY: Jack & Issac from Swag On The Beat teach us how to wipe our b*ms PLUS... A very controversial Spread Eagle Sprint. Brand new game alert: Sitting On The Fence. An impression session gets weird. We call our mates to guess EXACTLY how they'll answer the phone. What's the actual origin of "turning a blind eye". JOIN OUR PATREON FOR HEAPS OF BONUS STUFF Learn more about your ad choices. Visit megaphone.fm/adchoices
This month our family of writers is in a whimsical mood: Vitali Vitaliev reflects on the very different purpose toilet paper once had in Soviet Ukraine, while Anglican priest Alice Goodman laments the poor quality of the Church's Cheeky Pandas cartoons for children. Actor and writer Sheila Hancock suffers terrible stage fright, while Sarah Collins celebrates the human antidepressants in her local community. Hosted on Acast. See acast.com/privacy for more information.
Brought to you by WA Camping AdventuresPlease sit back and enjoy!"WACA10" for 10% OFF ALL SHELTER ONLINE BEER AND MERCH"WACA10" discount code for all TIEGEAR GEAR!!"WACA10" discount code for all CANVAS PRODUCTS FROM TRC CONCEPTS!!!www.trc-concepts.com.auWA Camping Adventures Patreon Link: LOADS OF EXTRAS!!!https://www.patreon.com/wacampingadventuresEVERYMAN CHATS PODCAST SUBSCRIPTION SUPPORT!!!https://www.buzzsprout.com/2133601/supporters/new WA Camping Adventures MERCH!:https://www.wacampingadventures.com.au/Follow WA CAMPING ADVENTURES of INSTAGRAM and FACEBOOK!WA Camping Adventures Podcast:https://www.buzzsprout.com/2133601Support the showEmail your questions and thoughts to info@wacampingadventures.com.auWA Camping Adventures on youtube, instagram and facebookSubscribe if you can relateSupport the showEmail your questions and thoughts to info@wacampingadventures.com.auWA Camping Adventures on youtube, instagram and facebookSubscribe if you can relate
We're reaching DEEP into the cookie jar for this week's pantry pick from the MATES archive: Fudge Stripes. Join the MATES Club for even more snacking: https://realm.supportingcast.fm/matesclub Watch MATES on YouTube: https://www.youtube.com/@MikeAndTomEatSnacks Learn more about your ad choices. Visit megaphone.fm/adchoices
On the 235th episode of the Ego Chall Podcast, Justin Binkowski and Preston Byers break down the final week of the Call of Duty League (CDL) Major 3 qualifier matches, including the Los Angeles Thieves and Paris Gentle Mates' awful performances, and the guys also preview CDL Major 3.
Fantasy football sleepers I love that can win your leagues! Subscribe and smash leagues here!
Ahoy Mateys! We're getting a little fancy with this week's pantry pick from the MATES catalog: Crudités. Join the MATES Club for even more snacking: https://realm.supportingcast.fm/matesclub Watch MATES on YouTube: https://www.youtube.com/@MikeAndTomEatSnacks Learn more about your ad choices. Visit megaphone.fm/adchoices
When we think of discipling our children we don't normally think that includes helping them find a future spouse. But in Genesis 24 this is what we see Abraham doing with his son Isaac. Join pastor Richard as he teaches on helping your children find their mate.Scriptures Reference:2 Corinthians 6:14-18
Guests: Mates Rates boys https://www.instagram.com/matesratesinsta/https://www.youtube.com/@mates.ratesYTlinktr.ee/mates.ratesSupport us on Patreon: https://www.patreon.com/friendlyjordiespodcast Hosted on Acast. See acast.com/privacy for more information.
Ahoy Mateys! We're unwrapping some chocolatey goodness from the MATES archive for this week's pantry pick: Take 5. Join the MATES Club for even more snacking: https://realm.supportingcast.fm/matesclub Watch MATES on YouTube: https://www.youtube.com/@MikeAndTomEatSnacks Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, Jason sat down with Caleb Christopher to break down how creative finance is actually being used in today's real estate market, especially for property managers looking to grow beyond traditional deals. In this episode of the #DoorGrowShow, property management growth expert Jason Hull and Caleb Christopher discuss strategies like subject-to deals, the due on sale clause, wraparound mortgages, and other creative transaction structures, along with how property managers can use these tools to acquire more doors, help investors expand their portfolios, and even build their own. You'll Learn [00:09] Introduction to Creative Finance in Real Estate [01:01] Caleb Christopher's Entrepreneurial Journey [04:39] Understanding Subject To Deals [10:10] Opportunities for Property Management Business Owners [11:45] Navigating Legal Counsel in Creative Finance [14:17] Understanding Wraparound Mortgages [19:45] Creative Financing Structures [22:27] The Role of Creative Transaction Consulting [27:06] Building Relationships in Property Management Quotables "If you have a business and you don't know what to do with those opportunities, other people do, and you can get paid a referral fee." "The due on sale clause is always going to be a stone hanging over your head. You can't get rid of it." "Your low-interest mortgage is an asset I'm willing to buy." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Jason Hull (00:01) Five, four, three, two, one. All right, welcome everybody. I'm Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we are on a mission to transform property management business owners and their businesses. We want to transform the industry, eliminate the BS, build awareness, change perception, expand the market, and help the best property management entrepreneurs win. Now, let's get into the show. All right, so in today's episode, I'm hanging out here with Caleb Christopher. Welcome, Caleb. And we're gonna be chatting about creative finance and what it really looks like in today's real estate market. And Caleb's gonna share practical insights from his time in the industry, breaking down strategies like Sub 2, Subject 2 Deals. Caleb Christopher (00:46) All right, thank you. Jason Hull (01:01) the due on sale clause, wrap around mortgages and other creative transaction structures to give a helpful real world perspective for anyone looking to get started in creative finance. for property managers, know creative finance is how you help your investors get into more units and they all want to manage more units. So cool. Welcome Caleb. Caleb Christopher (01:24) Thank you. I live creative finance, so ask in any direction. Jason Hull (01:26) So, yeah, it's your thing. Yeah, yeah, you live it. It's your middle name, right? Yeah. So Caleb was showing me he has paint on his arm from right, like, I don't know where he, yeah, he's been doing some stuff. He's like legit into the work. He's got rental properties. So he's down in the, in the paint. So Caleb, give us a little bit of background on yourself. Caleb Christopher (01:32) Yeah. Yeah. I've got rental properties. Jason Hull (01:51) at kind of your, how did you get into doing what you're doing now? What's sort of your entrepreneurial journey for the entrepreneurs listening? Caleb Christopher (01:58) Yeah, so entrepreneurship has gone way back for me. What, I'm 38 now? I'm almost 39. 39 feels a lot closer to 40 than 38, by the way. ⁓ As an entrepreneur, I'm like, wait, that's like one of those. Anyway, so. Jason Hull (02:06) Yeah, yeah. It's a milestone, yeah. I'm a decade older than you. was born in 77. So I'm feeling even older now. Keep going. Caleb Christopher (02:18) Okay. You look fantastic. So entrepreneurship in fifth grade, I found these mechanical pencils that would come apart in the middle and they were different colors. And I bought them in bulk at Costco and resold them to my classmates in whatever color combinations they want. Mates started making money. I was like, this is kind of cool. And I like customizing stuff. So that was cool. And then a bunch of little stuff like that. And it ended up where I ran a paintball field out of my parents' house in the woods. I liked working. like work as my hobby. Jason Hull (02:23) Thank Yeah. Okay. Yes. Caleb Christopher (02:48) but also paintball. I've got a 12 year old, we're building a paintball course in my, at my house now, cause he's just starting to get into it. So, but I did that and I bought rental gear and I funded my paintball journeys by having other people rent from me. And so that was that. And then I got into IT and cybersecurity consulting. So entrepreneurship has been a thing where I'm just always adding value, always had a second job, some, some other gig where I like to help do creative problem solving. Jason Hull (02:48) Yeah, fun. Yeah, good time. Nice. Yeah. Caleb Christopher (03:15) And then I discovered real estate when I couldn't sell my house. The one I'm in right now was right next door to family, which was great, but I couldn't sell the one I was in. And so I had to rent it out and I became an accidental landlord and refinanced the property. And then I read Rich Dad Poor Dad and I was like, thank God I have a rental property. And that was the beginning of the real estate journey. Jason Hull (03:27) Yeah. Right, right. And everybody, you have to read Rich Dad Poor Dad. I think it's a requirement. And then you want to get out of the rat race and yeah, yeah. We would play. Caleb Christopher (03:41) Yeah. Yeah. Start building wealth. Just treat, treat houses like a retirement account. Slow building. Even if you don't do anything else, if you get a few rentals, you're in a pretty good shape. Jason Hull (03:56) Yeah. Have you seen Robert Kiyosaki's game, the board game? Yeah, probably. Maybe it does all the math for you. ⁓ yeah. We did it the hard way and I would just make my wife do the math. I'm like, go ahead, Sarah. You do this. She's like, she likes it. She thinks that part's fun. Yeah. Right. That's why she's the COO and not me. Caleb Christopher (03:59) Yeah. It's easier to play online than it is the board game. It does. Then you don't have all the little cards handing back and forth. So yeah, I highly recommend just running a private game on a computer. Okay, what a blessing. Jason Hull (04:25) All right, so cool. Well, let's get into this. Let's get in this topic. So tell us about the first thing mentioned in the intro was like the subject two deals, like this strategy. Caleb Christopher (04:39) Yes, so sub 2 is when you take a property subject to something else. It could be a federal IRS lien. It could be the person's mortgage. It's always, by the way, everybody does sub 2 deals and they just haven't thought of it this way. When a utility company comes to dig up a chunk of your yard and you can't say something about it, that's because you bought it subject to easements, rights of way, etc. So... Jason Hull (04:52) Okay. Yeah, easements. Caleb Christopher (05:04) There are external things that can act upon you or your property because you bought the property subject to them. What we do in subject to deals is we add the loan to the list of things taken subject to. So if the mortgage company notices that you sold a house to me without paying off the mortgage, right? The deed transfers to me and I'm making your payments now. That's a sub two. ⁓ if they notice and if they care, they can accelerate that loan because of the due on sale clause. So kind of two birds with one stone with this description. It exists in every. Jason Hull (05:24) Yeah. Yeah, doesn't that void most loans or? Caleb Christopher (05:34) loan I've ever seen. Maybe not in a seller finance loan if you explicitly exclude it. It's not required, but a due on sale is a good protection for a lender to have because if you transfer and if they care, they can accelerate. It doesn't require them to. They can. Jason Hull (05:36) Right. but they can and some terms in loans I believe also if you if it switches ownership, they it says it maybe negates the terms of the agreement or. Caleb Christopher (05:59) Nope, it doesn't cancel anything else. it's, and a lot of people are like, is sub two illegal? No, it's not illegal. Here's when it is illegal. If I'm borrowing with the intent to hand it to somebody else, the deed, it was never my intention to occupy the property or to satisfy the requirements. And I'm misrepresenting or providing materially false information. That's fraud and that's illegal. However, Jason Hull (06:04) Thank Okay. Okay. Caleb Christopher (06:24) If I buy the house and I move into it as my primary residence or whatever the occupancy requirements are, and then I decide later on to sell it subject to the mortgage, I can do that. And that's a violation, a civil violation of the mortgage contract, which says if you transfer without paying us off or without our permission, we can accelerate the loan. But it's a defined default and a defined remedy. Jason Hull (06:42) I see. So I had a client and what he was doing is he was helping facilitate deals and his way of kind of getting around stuff was he would set up a trust. He would place the business, the current owner of the property as, you know, as one of the members of that trust. So they still had that person in place. They would just decrease their ownership stake through the trust, right? So. Caleb Christopher (07:07) Still technically a violation of the due on sale clause. Some people think Garn St. Germain Act protects an investor like all trust acquisitions from a due on sale, which is not true. By the way, a little more background. I'm very technical. read laws and rules and court cases. so if anybody's got a, I'm giving you a real technical answer here, not an attorney though. The Garn St. Germain Act protects family transfers, but not an investor purchase, even if you leave the seller as a partial owner. Technically it's still a violation. Jason Hull (07:16) Yeah. Yeah. I love it. Mm-hmm. Got it. Yeah. Caleb Christopher (07:36) but it's less likely they'll notice. Jason Hull (07:38) I see the sub two guys, Pace Morby or whatever his name is. And I just see a lot of people saying, this is illegal or you can't do this. And people come after him all the time. And I don't know. I don't know what. I'm not as technical maybe as you. So I don't know. What's your take on that? Caleb Christopher (07:54) It's absolutely not illegal. It's illegal to misrepresent something at any time, but there's no duty or compunction in the contract for me to notify you as my lender that I've transferred the property. Even if there was, that would just be another violation of the mortgage contract and not something criminal. Jason Hull (08:05) Got it. Got it, okay, right. You're not going to jail over it, but okay. So if you're doing the subject two or if like some of the property management business owners listening are wanting to maybe take over the ownership of some of the rental properties that they're. Caleb Christopher (08:23) Yeah, dude. Can I say that is, think, the number one opportunity for a property management company owner is you can either do acquisitions for yourself by taking over tired landlords' properties. My goodness. Hey, are you tired of this property? I'll take the deed. I'll pay you X cash and I'll just take over the payments. Huge opportunity. Also playing middleman, if you know sub 2 investors. If you've got tired landlords, you have an opportunity. Jason Hull (08:30) Yes. Hmm. Caleb Christopher (08:51) You can be the buyer or you can be the middleman who finds the buyers who are willing to take those over. And if it's older debt with a lower interest rate, I'm telling you, I will pay more for that property than I will for to get a new, the same property with a new loan. Jason Hull (08:56) Right. Yes, yeah. So, I mean, really, the smartest thing a property management business owner can do is build up their own portfolio, right. And rather than just helping everybody else build up theirs. And we've got a client and he I think he has like he has two, three hundred doors in his business. He owns all of them. He basically just uses his property management business as a honeypot. People come to him, say, hey, I need management. And then he he said, well, let's take a look at your property situation. And then he's like, yeah, well, if you sell this, you're going to have all these taxes and all these issues. And man, if only there was a way you could still get paid on this, but avoid that. And then he convinces them to do seller financing without telling him it's seller financing, sort of. Right. And so then he like just takes over the ownership and he keeps paying them to pay them off. And so he's got this really sizable portfolio. And during the, when the Caleb Christopher (09:37) Hmm. Jason Hull (09:56) If the market shifts a certain way, he's taking on millions of dollars in assets pretty easily, you know, having these conversations. And so, yeah, I think there's definitely an opportunity for property management business owners to be paying attention to this. Is there anything else you would want to say about subject two that maybe they should be aware of or? Caleb Christopher (10:10) Yes. I mean, there's plenty of discussions to be had when you get down into the details. Knowing what it is is the first stage. I would just remind back on this last point, if you have a business and you don't know what to do with those opportunities, other people do and you can get paid a referral fee. So don't sit on the fact that you've got tired landlords. Send out a survey and like, if somebody came to you with an offer today, would you sell? Jason Hull (10:17) . Right. Yeah. And the thing is, as a property manager, they have this, they have several advantages, but one, they know the market, they know which properties would cashflow the best, they know what they could rent for. They're connected to real world reality, unlike a lot of real estate agents in the market when it comes to rentals. And they have a large portfolio of owners. So if one owner is like, want to sell, they've got a whole bunch of others. They could say, Hey, do you want this? So they could do that middleman thing that you were talking about. Okay. Love it. think it's, it's just smart. And, it sounds like the biggest challenge would be the, the sound like the, sounds like the most difficult piece of this would be, how do I get really solid legal counsel for making sure that this is done or structured the right way? Or we keep the loan intact. Caleb Christopher (11:06) That's it. We're done with the episode. That's the main point. Excellent. Yeah. So one thing, the due on sale clause is always going to be a stone hanging over your head. You can't get rid of it. And if you can't take that heat, you got to stay out of the kitchen, basically. That said, I have resolved due on sale on consumer loans, not DSCR. I've resolved due on sale with consumer slash investment property loans for the individual buyer borrower. But where was I going with that? Jason Hull (11:30) Yeah. How did you solve this? Is this like a trade secret or can you share with the audience? Caleb Christopher (11:48) Nah, so the broad strokes are pretty obvious. It's the details that kill you. it's basically, if I bought your house subject to, and they accelerate the loan, then I'm going to try to call them and negotiate them away off the cliff, right? Like, hey, I'm making the payments. What's really the problem? Can I assume this? What options do we have? If they're inflexible, the bigger banks, then I'm going to have to go with technical compliance, which is I'm going to deed the property back to you. Jason Hull (11:54) Yeah. Caleb Christopher (12:15) And then we just get into this whole thing like, yeah, but what if I deed it to you and you don't sign the next document back to me to let me continue like a master lease where I keep all the profits or whatever we want to call it. Ideally, we just restructure the transaction with paperwork that's either less visible or completely acceptable to the lender. Jason Hull (12:31) Got it. So this is just a conversation with the lender, basically, hey, this is what's happening. How do we make this work? So everybody's happy. Caleb Christopher (12:37) and the bigger banks will not tell you how to make it work. They'll just require you to show evidence that ID to the property back to you. But that's only one part of the puzzle, because we still need to restructure the transaction internally. Jason Hull (12:44) I see. Okay. Right. So then it's between you and the homeowner. Yeah. Got it. And there's just making a a deal where they're making your there's money being exchanged, even though the legal technical ownership hasn't really shifted. Caleb Christopher (13:04) Right. There's a paperwork dance around any obstacle. Now you asked about legal counsel. Lawyers are good at saying no. I'm not going to discourage. Here's my law degree right here. I don't have one. So yes, I'm never going to discourage somebody from getting an attorney involved. My concern is a lot of times they don't have the direct experience on these types of deals. And when they see risk, they say no. ⁓ Jason Hull (13:10) Right. That's their default. Right. It looks just like mine. Yeah. Yeah. That's the safest thing for them to do. Caleb Christopher (13:30) That's right. And when I go to an attorney, I'm like, I'm not, I'm paying you to tell me how not tell me no. Jason Hull (13:37) Right. The pre-frame with attorneys is everything. I say the similar thing. You don't go to the attorney and say, hey, how can I get out of this horrible contract with this franchise I'm in, for example? It's this is what I want to do. What's the best way to do this? I'm going to do it. Yeah. So you give them the right pre-frame. Caleb Christopher (13:49) Figure out how. Well, you can't because there's this risk. And I'm like, yeah, there is risk. I need to accept a few risks here because let's be outcomes oriented. And if you can coach an attorney to be outcomes oriented before you start spending a bunch of money on them, then great. That said, I've had a hard enough time finding that in every state. that's why entrepreneurial, I started Creative TC, which is transaction consulting, because I've been there and I've done that with dozens of deals per month for the last four years next. Jason Hull (13:59) Yes. Yes. Caleb Christopher (14:17) in a couple of weeks here. we've touched literally thousands of these deals. We've seen them up, down, left, right, sideways and back. Jason Hull (14:18) Got it. Yeah, so the short answer is call Caleb. Yeah, okay, cool. So the next thing is like, we talked about the do on sale clause a bit. I don't know if there's anything else to mention on that. And then we can go into wraparound mortgages. Caleb Christopher (14:27) Yeah. Yeah, I love it. Jason Hull (14:40) I'm not familiar with wraparound mortgages. Caleb Christopher (14:42) Okay, it's like you ever go to Chipotle and they make that big fat burrito? What if they put a second tortilla around it? Jason Hull (14:47) yeah. then it's way less likely to break open. Caleb Christopher (14:53) Very good. Very good. I think there's a lot of good analogies here with wraparound mortgages. So mortgage is a contract that says, by the way, a lot of people get this backwards, a mortgage, you give the bank a mortgage, they gave you a loan. It's not the other way around. So when you give the bank a mortgage, you're saying, hey, in exchange for this $500,000, you can foreclose if I don't pay it. That's the mortgage. It gives them the right to foreclose. We want to do that to be ethical. If I bought your house subject to the existing mortgage, ideally we would do something called a mirror wrap. Now, if you had equity and you wanted to finance me a larger dollar amount than what you owe, can change that. But a mirror wrap says, hey, here's the existing loan. We're putting another one around it. That way you can foreclose on me for non-payment, just like the bank can foreclose on you. So if I don't make your payments, you can still pay your payments so that your loan is in good standing and they can't foreclose on you. But Jason Hull (15:33) Thank Caleb Christopher (15:47) when I'm not making payments, you can foreclose on me. So a mortgage basically just says, you have the right to foreclose on somebody for violating the terms of the mortgage. Jason Hull (15:58) Yeah, okay, clever. Caleb Christopher (15:59) as opposed to a naked sub 2. Like if I just took the deed and said, I'll make your payments. Cool, but yeah, yeah. It's like, but wouldn't you like the ability to foreclose if I don't? That's a wraparound mortgage. Jason Hull (16:04) Yeah, cool. If I really trust you, but trust the verify, right? So. Right, yeah, like worst case scenario, it's like, you know, just like getting into a relationship pre-nup, post-nup, like making sure there's, like if things go bad, which nobody plans on, it's not gonna be as bad. Yeah. Caleb Christopher (16:25) Right. It's a stop loss, right? It will cost you money to foreclose on me, but your credit's on the line, so you can still protect it to some degree. Jason Hull (16:34) Okay, yeah, cool. I like it. And I would imagine the owners like this too. Everybody likes this. This makes everybody feel safer. Caleb Christopher (16:42) Yes, so that's one aspect is it's the safe legal ethical way to do it. The other piece is that you can use if I've got a 4 % interest mortgage. Actually, I've got one that's a 3.625 a sub 2 in Colorado. If I sold this to a new buyer right now on seller finance, I would give them a wraparound mortgage. But what would I be doing? Would I pass that 3.625 to them? Jason Hull (16:46) huh. Mm-hmm. Well, no, you get a cut, right? Yeah. Caleb Christopher (17:07) I would rather mark it up to 8 % or seven or so, whatever's practical today. So I can keep the difference. can arbitrage the interest rate. So wraparound mortgages work not only for the ability to foreclose on a non-payer, but you can also increase either the total amount financed or the rate or both. And so wraparound mortgages can be used to transfer as a profit mechanism as well. And when you own the house that I sold you, I don't have to fix your toilet. You just have to pay me every month. Jason Hull (17:36) Right, so in the case of the audience here, like property management business owner, they don't want to, like they could take over the property themselves, but they could also facilitate the deal and for the new owner, it's a higher percentage and they're just keeping the difference. Caleb Christopher (17:41) Mm-hmm. Sometimes you've got a tenant who has lived in a property for five years and they're a great tenant. You like, you want to help them out, but they can't seem to get a loan. It's like, all right, well, I'll let you make payments on this one. I don't like rent to own. Not the same because that's up your, you're conveying interest to them monthly. It's a convoluted mess. I would rather do a straight seller finance like this, where we do a wraparound mortgage and I'll bump the rate and you're going to pay me a premium, but you're going to get ownership. Jason Hull (18:04) Yes. Yeah, got it. Okay. Yeah, that's a healthier, safer way. Caleb Christopher (18:20) And now I don't have to replace light bulbs or fix toilets or repair the roof or whatever else goes on the plate. Jason Hull (18:27) Unless you're the manager and you get paid to do that. Caleb Christopher (18:30) What? It moves out of property management at that point if it becomes a seller finance. Yeah, they're the owner now. Jason Hull (18:33) because somebody's buying it. They're not renting. Got it. Yeah. OK, cool. Yeah, I like this idea, the wraparound mortgage. OK. Are there other types of wraparound mortgages? Is that the main thing? Caleb Christopher (18:45) Now they're specific to your situation like what's best for you and what state you're in etc. I just had a conversation with somebody who used up all their available cash to get rent properties. Right, so they got three or four rentals, but they've got no cash left and they've got good interest rates and I said you could sell those on wraps and increase your cash flow every month and get a down payment from somebody and she was like what? Jason Hull (18:48) Yeah. ⁓ Caleb Christopher (19:12) I said, you want capital to do the next deal, right? Yeah. Okay. Jason Hull (19:12) yeah. Right, so yeah, because that low interest rate is an advantage. So it's kind of sellable. Caleb Christopher (19:20) It is and you can make a monthly bump. Yes, it is your low interest loan. By the way, I just say this to people. Your low interest mortgage is an asset I'm willing to buy. The same house is worth more money to me with a low interest rate than I'll buy sub two. Then it is just on the market on average. Jason Hull (19:29) No. Okay. Yeah, that's clever. Yeah, okay. Got it. Very cool. All right, so other creative structures. any others. Caleb Christopher (19:46) Yeah, so contract for deed or land contract, it's a seller, it's a type of seller finance. If I'm the seller, I like it because I hold legal title. And if I hold legal title, you can't place additional liens. Yeah, so I don't want you placing solar liens without my permission or water softener liens or a HELOC on top of whatever current balance is. So if I, if I sell to you on a wraparound mortgage, you have the full deed, legal title and everything. Jason Hull (19:53) Okay. Yeah. Yeah. Caleb Christopher (20:15) and you can place additional liens. You can use this property as security for other loans. I really don't want that complication in case I do have to foreclose and maybe take the property back if I bid what's owed. I don't want it coming back to me with an extra three liens or $40,000 worth of debt. So contract for deed is pretty ideal because I hold legal title, you get equitable title. And it's same seller finance term, same wraparound concept like markup interest rate and monthly payments and stuff. Jason Hull (20:41) Got it, okay, very cool. These are fun little vehicles. There's like these magic little tool sets that you've got in your toolbox. Any others? Caleb Christopher (20:48) I I like the master lease concept where it's like a sub 2, right? I'll make sure all your bills get paid, but I keep everything that comes back on top. I take it off your plate. I agree formally to cover any expenses related to the property, et cetera, but we're going to do it like a master lease with an option to purchase. Jason Hull (20:59) Okay. Thank Caleb Christopher (21:10) If you're scared of due on sale, or if you've got a DSCR loan that will not tolerate a contract for deed or a trust acquisition or a full on sub two, we can do this custom master lease, which replicates all the parts and pieces effectively without violating that due on sale clause. Jason Hull (21:28) Okay. And I know property managers sometimes are talking about things like, know, they want to get their investors into more property, right? So they're talking about things like maybe doing a 1031 exchange to get into a bigger property maybe, or doing cash out refinance to pull equity out to get into a next unit or next property. You know, these type of vehicles. But these additional tools you... Caleb Christopher (21:35) Mm-hmm. Mm-hmm. Jason Hull (21:54) chat about today I think are very fascinating. I don't think a lot of them I haven't heard them talk about. Caleb Christopher (21:58) Yeah, mean, awareness is the big thing, right? You need to be aware that you can do some of these things, and then you find the person who can help structure it specifically for your scenario. But I see a lot of people who are like, I'm going to do a creative deal. And it's like, on what, though? Jason Hull (22:12) Yeah. Got it. Okay. So, I don't know if there's anything else we're missing or that you wanted to cover, but I think then the next question would be how, where do you fit into this? Cause you have a business that facilitates this or helps with this. Caleb Christopher (22:27) Yeah. So I started Creative TC four years ago and this creative transaction consulting so that we could help make these deals safe, legal and ethical. You can imagine that it's pretty easy to do somebody dirty, whether you mean to or not, with these arrangements when somebody's credits on the line, they're convoluted. And so you need a guiding light. You need somebody to hold your hand, maybe be a lighthouse so you don't crash on the rocks. That's what Creative TC is. And so we consult on these deals nationwide to help people do them safely. Jason Hull (22:35) Okay. yeah. Okay. Caleb Christopher (22:56) And then I started Creative Title this last year to fill a void in the state of Colorado where a bunch of companies were pulling out of creative deals. Jason Hull (23:04) Yeah, got it. So yeah, I get it. Yeah. And I'm sure a lot of times it's not even the, it's, everybody has good intentions, maybe from the very beginning. But when, as soon as something gets weird or sticky or confusing or challenging, then somebody's like, feels like somebody else is being unethical or do them dirty or whatever, or we don't have a, we don't have an exit path or we don't have a clear delineation of, you know, that makes everybody feel comfortable where we can split ways or part ways. so. Caleb Christopher (23:12) Yeah. Money's on the line. Jason Hull (23:32) Yeah, having something structured right from the beginning, they say an ounce of prevention is worth a pound of care, right? And a lot of times I, when talking with my clients, because, know, in property management, have lease contracts, lease agreements, have the agreements or contracts they have with the owners for taking over the management of the property. And I, what I usually say to them is those are nice, but those usually only matter if you use them incorrectly. They only matter when you're at war. Caleb Christopher (23:35) yeah. Yep. 100%. Yes. ⁓ Jason Hull (24:03) It only matter when you're there. So, but if you proactively review the agreements with them and go through it with them and help them understand it, it's then an onboarding tool and it helps set the frame of the relationship and it helps everybody understand. And because it doesn't matter what's written in agreement until you're at war. But before then, what matters is what they think is written in that agreement. And so making sure that you go over things with them to make sure they understand this is paramount. And that like makes like, Caleb Christopher (24:13) Yes. I need, I need this as a sound clip for my team because this is how I train my team as well. I just need it from somebody else because it sounds better coming from not me. ⁓ it's expectations management is absolutely essential, especially in creative finance deals where I'm making your payments, your credits on the line. If I don't make your payments, it hurts your credit score and can cause a foreclosure. The buyer and seller need to have that conversation. And sometimes it requires a third party to help facilitate. Hey, here's what happens. Jason Hull (24:32) in a relationship. Right, so you can use that. Yeah. Caleb Christopher (24:59) Here's how to manage those expectations. Let's look at this. We're not just signing disclosures just because they're legally required or suggested, but we want to have a meaningful conversation and talk through the stuff so that everybody's on the same page because if the due on sale clause comes knocking, we need to be on the same team. Jason Hull (25:14) Yeah, yeah. So my wife and I got married in Mexico because that's we wanted to get married there. And usually what people will do is they'll just do it legally in the US, but they'll do it symbolically in Mexico. And Sarah's like, no, let's let's do both there. Let's do it. And they make you list out your assets. It's almost like they're like proactively making everyone have a prenup, right? Now we already had a prenup. And then our lawyer was like, you also need to have a postnup. So we did that. And it's just like we know, like if Caleb Christopher (25:34) Okay. Jason Hull (25:42) for some reason there was a problem, like things went south, then it's not gonna be all out war, right? It's clear, you own this, I own this, this is how it works, this is how we part ways, here's how we split the business. And so everything, and this is what smart business owners do with their business when they get into business partnerships. And so without that, And I think with your team, for example, the analogy that everybody understands is divorce, because 50 % of relationships in the US probably end that way. Everybody's been like maybe their parents or they've seen a family member or they've seen somebody go through this. And that's the epitome of not having a really solid planned out strategy from the beginning, because nobody was planning on this happening. But, know, an ounce of prevention is worth a pound of cure if you have that dialed in, they're not spending. Caleb Christopher (26:10) Hmm. Jason Hull (26:26) $20,000 in legal fees where only the attorneys are winning and you know, and then you're losing a bunch of stuff and this was yours and they didn't contribute to this, but now you have to give them half and all this kind of stuff. so, yeah, and so you help them kind of make both parties and everybody involved feel comfortable and then you get paid a consulting fee for doing handling this. Cool, very cool. Cool, so I would imagine there might be some property managers listening to this. Any final words you'd like to say to them and how can they get in touch with you if they would like to help you facilitate some of stuff they're working on? Caleb Christopher (27:06) I think the value of a property manager or a realtor is very much in who they know that's vetted. Okay. A realtor, it's like, I know a foundation guy. I know a roof guy. I know a flooring guy, right? That's what I'm paying you for. Not just your commission to take photos and have some conversations. I want to know who knows who you know, you can validate. The same thing is true for property managers. I got a repair guy, very consistent. I've got three different plumbers. If it's this type, I know this guy's got the best rates. That's what I want you to know. when you're my property manager, that's what I'm paying you for. The same thing is true now with Creative Finance. It's like, hey, I know a guy that's an expert that has 255 star reviews at what they do. They only do this thing and they do it really well. So if you want to buy or sell Creative Finance, let me call Caleb. I'm that guy. Jason Hull (27:53) Yeah, mean, a lot of the best property management business owners are viewed by their clients as an investment expert or advisor. And the best investment people or advisors have a whole toolset of people in their back pocket, whether it's trust attorneys or somebody like Caleb, right? They have all these different resources, maybe lenders, you know. They have all these different resources available to facilitate deals. And that's how some property managers are able to help their clients get into more property and have more deals to manage. Or like we talked about at the outset, even better, how to get more ownership stake over all the properties that you're managing and build up your own portfolio and your own wealth. Caleb Christopher (28:37) Yeah, because I should be able to call my property manager and say, who's good at DSCRE finances in your area? Who do you like? I don't know. Okay. Maybe be a little more helpful. Jason Hull (28:44) Yeah. Yeah. Yeah. Yeah, got it. All right. Awesome. Well, Caleb, I appreciate you coming here on the door grow show. How can people get in touch with you? Caleb Christopher (28:57) right. The easiest way, because I own multiple companies, calebchristopher.io. That's got links to Creative TC for the consulting, Dosgard to fix due on sale, and Creative Title Company in Colorado and Tennessee. Jason Hull (29:09) Perfect, awesome. Hey, thanks for being on the DoorGrow show. All right, for those watching this, if you're listening, if you've ever felt stuck or stagnant and you wanna take your property management business to the next level, reach out to us at doorgrow.com for free training on how to get unlimited free leads. Text the word leads to 512-648-4608. Also join our free Facebook community just for property management business owners by going to doorgrowclub.com. And if you want tips, tricks, ideas, Caleb Christopher (29:12) It's been a pleasure. Jason Hull (29:37) to learn about our offers at DoorGrow. Subscribe to our newsletter by going to doorgrow.com slash subscribe. And if you found this even a little bit helpful, don't forget to subscribe and leave us a review on whatever channel you found this on. We'd really appreciate it. And until next time, remember the slowest path to growth is to do it alone. So let's grow together. Bye everyone.
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GM Daniel Gormally returns to the pod to unpack Netflix's Untold: Chess Mates, the documentary covering the Magnus Carlsen - Hans Niemann controversy. We separate the signal from the noise, offering a candid, player-level perspective on one of chess's most bizarre modern sagas. Links for GM Daniel Gormally: YouTube channel Chessable 3-Part Series: Sharp Middlegames
Ahoy Mateys! This week we're crunching on a salty classic from the MATES archive for this week's pantry pick: Cheez-Its. Join the MATES Club for even more snacking: https://realm.supportingcast.fm/matesclub Watch MATES on YouTube: https://www.youtube.com/@MikeAndTomEatSnacks Learn more about your ad choices. Visit megaphone.fm/adchoices
The Netflix sports documentary series Untold: Chess Mates looks back at the controversy surrounding a disruptive challenger to the Game of Kings. We hear from Hans Niemann and examine the claims he upset the reigning world champion by receiving radio signals in anal beads. It also features interviews with the chess luminaries who accused Niemann of cheating in the ultimate test of cerebral fitness. In this episode of You Can't Make This Up, host Rebecca Lavoie interviews Grandmaster Hans Niemann. SPOILER ALERT! If you haven't watched Untold: Chess Mates yet, make sure to add it to your watch-list before listening on. Dig deeper into all of your favorite Netflix documentaries and films at tudum.com. Check our true crime hub at tudum.com/truecrime. Listen to more from Netflix Podcasts.
Ladies of London's Marissa Hermer steps Behind the Rope. The New Reign: Ladies of London is back in our lives and oh, what a season it is. Now living in Southern California, Marissa is here to tell it all. Marissa explains how the show was originally not supposed to be a “housewives” type drama show (well that didn't work out too well now did it) but was supposed to be an entirely differently show regarding Americans assimilating into London life. Marissa explains her reservations in joining the show, the challenges of filming, reality versus real tv, and her reaction to what a huge cult classic Ladies of London is in BravoVerse. Of course, we discuss her cast mates The Carolines Stanbury and Fleming, The Juliets Angus and Montagu, Sophie, Caprice, Noelle, and Adela and the status of her relationships with each today. Finally, living right near Beverly Hills, we had to ask about her friendships and run ins with those other SoCal women we love so much, The Lisas Vanderpump and Rinna, Kyle, Teddi and so on and whether she would ever join RHOBH. @marissahermer @behindvelvetrope @davidyontef BROUGHT TO YOU BY: PROGRESSIVE - www.progressive.com (Visit Progressive.com To See If You Could Save On Car Insurance) ADVERTISING INQUIRIES - Please contact David@advertising-execs.com MERCH Available at - https://www.teepublic.com/stores/behind-the-velvet-rope?ref_id=13198 Learn more about your ad choices. Visit megaphone.fm/adchoices
Ladies of London's Caprice Bourret steps Behind The Rope. The New Reign: Ladies of London is back in our lives and oh, what a season it is. Calling from her closet, no really she is in her expansive, white closet, from across the pond, Caprice is here to tell it all. Caprice breaks down all that was Ladies of London, cast makes, the ups and downs of her friendship with Caroline Stanbury and oh so very much, much more. @capricebourret @behindvelvetrope @davidyontef BROUGHT TO YOU BY: MOOD - www.mood.com/velvet (20% Off With Code Velvet on Federally Legal THC Shipped Right To Your Door) PROGRESSIVE - www.progressive.com (Visit Progressive.com To See If You Could Save On Car Insurance) COYUCHI - coyuchi.com/VELVETROPE (15% Off Your First Order Of The Most Comfortable Organic Sheets) ADVERTISING INQUIRIES - Please contact David@advertising-execs.com MERCH Available at - https://www.teepublic.com/stores/behind-the-velvet-rope?ref_id=13198 Learn more about your ad choices. Visit megaphone.fm/adchoices
Ahoy Mateys! We're reaching into the MATES archive for a chewy classic: Welch's Fruit Snacks. Join the MATES Club for even more snacking: https://realm.supportingcast.fm/matesclub Watch MATES on YouTube: https://www.youtube.com/@MikeAndTomEatSnacks Learn more about your ad choices. Visit megaphone.fm/adchoices
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