Podcasts about mulit

Today's Flash Back Friday episode is from #137 that originally aired on Feb 21, 2017. Mulit-family Investment Experts and fellow real estate podcasters, Jack Stenziano and Gino Barbaro. How they got their start as Multifamily investors and how they have been able to amass a portfolio worth in excess of $32 million in just a few short years. In our candid conversation we'll also discuss the various challenges they faced when getting started and how they were able to push through them even in the most difficult of times.  Here's What You'll Learn: What attracted Jake and Gino to the Knoxville, TN market and why they decided to turn their focus away from New York. The power behind finding a coach and mentor and how this catapulted them forward into the multifamily space. Why they love mom and pop owned apartment properties and what unique opportunities these types of properties offer them as investors How they negotiated very attractive owner financing on their first 25-unit deal. What value-add components they look for when seeking out multifamily properties The power of a credibility book and how to create one for your own business The importance of the market itself and why becoming a market expert needs to be your #1 priority and finding deals your #2 priority. Gino's technique on how to read 1 book per week. And much more   Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast.

ACTIONSA has withdrawn from the Multi-Party Charter. This follows outcomes of its two-day senate meeting in Randburg. The party says members of the Charter violated the pact by discussing possible coalitions with the ANC. For more on this Elvis Presslin spoke to DA National Spokesperson, Werner Horn...

Newly elected Ekurhuleni Mayor Nkosindiphile Xhakaza has appointed a new multi-party Mayoral Committee. The ANC's Xhakaza has reappointed five EFF MMCs including four others from his party. Former mayor Sivuyile Ngondwana returns as MMC for Corporate and Share services - a position previously held by Xhakaza. For more on this Elvis Presslin spoke to ActionSA Caucus Leader In the City of Ekurhuleni Siyanda Makhubo

This is an excerpt from my series published now as a course, 13 Days to Multi-Orgasmic Aging. This is day three about your choices and understanding the power of that.Listen as I share how I chose to create my first birth story. In my ignorance I chose body -mind wisdom over fear. Reflect on your birth story if you have had a child. Mostly listen for the power and gifts of honoring choices that elevate your each and every heartbeat and breath.#bodywisdom #replnishme #detachedlove #multiorgasmicaging #multiorgasmic #cordeliagaffar #intimacy #selfnurturing #selfloveCordelia Gaffar, the Ultimate Joy Goddess and CEO of Cordelia Gaffar Enterprises, is a bestselling author, speaker, and host of The Free to be Show podcast.Cordelia's journey led her to rediscover many ancient body wisdom mindfulness practices, intertwining from aboriginal cultures across the globe. The result? The Four Mind Alignment (TM), unveiled in November 2022 after two years of client studies and five years of research.This transformative methodology empowers women to be fully expressed and completely embodied in her natural leadership merging ancient wisdom for total well-being. Cordelia's approach builds on her Replenish Me (™) process, featured in "Detached Love" (2020), promoting self-nurturing through food, movement, and sleep.Now, she offers Embodiment Experiences in intimate group coaching and retreats, inviting women to a journey of self-discovery and replenishment. Cordelia is a former CFO and veteran home educator to her six children, three of whom have graduated going on to serve in the US Navy and become entrepreneurs in their own right. Subscribe to the Free to Be Show as we explore joy, enlightenment, and the transformative power of Cordelia Gaffar's wisdom.

Mulit-talented holistic healer Laura Joseph joins host Hilary on this episode of Mystical Messages.   A born empath and medium, Laura's mission is to help others rediscover the power that lies within and find treasures buried in their shadow. She guides clients to become their own superhero.  By addressing root issues, transform pain, bridge science and the practical magic of sacred, ancient traditions, Laura elevates the best in those she works with. Laura has run her private practice near Boston, MA, since 2006.  She is a published author, speaker, award-winning advocate, podcaster, teacher, an experienced rooted healer, multi-generational intuitive, spiritual mentor, social justice warrior, and certified Jikiden Reiki® Shihan as well as a Reiki Master Teacher in the Usui/Tibetan tradition. Laura has published many articles on the topics of Holistic Health, Spirituality, Reflections from a Spiritual Medium, Healing Trauma Associated with Abuse, and Reiki.  In 2022, she co-authored her first book – Feisty: Dangerously Amazing Women Using Their Voices To Make An Impact. This was followed up with her first solo book, The Secrets To Healing released during Domestic Violence Awareness Month in October 2022.  As a guest speaker and host of the podcast Triggers & Spiritual Medicine, Laura addresses the intersectionality of the trauma infection that impacts all areas of life – addiction, domestic violence, racism, homelessness, sexual abuse, chronic health issues, cancer, environmental issues, climate change and root systems, provide proven practical methods to empower clients.   She was also a featured guest on CBS radio and noted recipient of “Sixteen honorees were selected for innovation, leadership, and community service” by the New England Business Bulletin.   Connect with Laura Joseph www.laurahealingwithspirit.com healingwithspirit1@gmail.com Facebook:   Laura Joseph Instagram:  laura_healing_with_spirit   To reach Hilary Harley: www.hilaryharley.com http://www.hilaryharley.com/ Hilary@hilaryharley.com Facebook:  hilary harley. https://www.facebook.com/hilary.harley.3 hilary harley astrology https://www.facebook.com/profile.php?id=100057501487642  holistic healing https://www.facebook.com/hilaryharley714 Instagram:  hilary.harley https://www.instagram.com/hilary.harley    

Jason Kreis joined DJ & PK to talk about his return to Salt Lake City and working for Real Salt Lake and what he hopes to accomplish.

What is feminine energy and masculine energy? How does it play into our life? This week on the podcast Melanie Swan shares her perspective on masculine and feminine energy and why as women we need to reclaim the masculine within us as part of our healing. Melanie is a Womb Medicine Woman and Mulit-dimensional trauma healer, who helps women to come home to their true nature by embodying the multi-faceted menstrual cycle, healing multi-dimensional trauma & co-creating with the divine through the portal of the Womb. In this episode as we explore: What does the damaged masculine & feminine manifest as The Qualities of these energies in their healthy state How to reclaim the balance of masculine and feminine in your life How to being to bring in the healthy masculine in your life Why labeling the two may be holding us back from experiencing their gifts RESOURCES: Connect with Melanie Swan at https://www.thesacredwomb.com or on instagram at @the_sacred_womb Check out Melanie's The Womb Medicine Woman Training https://www.thesacredwomb.com/medicine-woman-training/ Kate Northrup's Relaxed Money Course - Learn more here Grab your free charting journal

He runs a program most people never heard of, but it has got a $5 billion budget. He is the head of the Bureau of Primary Health Care, nested in the Health Resources and Services Administration, itself a component of the Health and Human Services Department. Federal Drive host Tom Temin talked with this senior executive and recent recipient of a Presidential Rank Award, James Macrae. Learn more about your ad choices. Visit megaphone.fm/adchoices

After learning that the shortcomings of the 911 system may have cost her husband Bob's life on the day he collapsed and died of a heart attack, Sherry Herzing vowed to make a difference. Dedicating herself to protecting others in rural communities from the risks that contributed to her husband's death, Sherry founded the Lake Gaston 911 Community Task Force in January 2019, rallied a strong force of volunteers, and quickly spread potentially lifesaving information throughout the community. Studio sponsor: The Motivated Mind Group, a global creative agency located in downtown Chandler, AZ https://themotivatedmindgroup.com/ Business sponsor: RENCO roofing, a family-owned and operated company founded in 2004 on the guiding principle of delivering superior roofing service. They are dedicated to quality and customer service and can help you with residential and commercial roofing needs, with a focus on HOA and Mulit-housing. Brandi@RENCOroofing.com offrice 602-867-9386 --- Send in a voice message: https://podcasters.spotify.com/pod/show/storiesofhope/message Support this podcast: https://podcasters.spotify.com/pod/show/storiesofhope/support

Neal Bawa is a technologist who is universally known in real estate circles as the Mad Scientist of Multifamily. Besides being one of the most in-demand speakers in commercial real estate, Neal is a data guru, a process freak, and an outsourcing expert. Neal treats his $947 million-dollar portfolio as an ongoing experiment in efficiency and optimization. The Mad Scientist lives by two mantras. His first mantra is that "We can only manage what we can measure". His second mantra is that "Data beats gut feel by a million miles". These mantras and a dozen other disruptive beliefs drive profit for his 700+ investors. In today's episode, Neal gives his take on what is happening in the multi-family market today, the dynamics of the current economy, and what he sees coming over the next year. Episode Links: https://multifamilyu.com/ https://www.linkedin.com/in/neal-bawa/  --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: Hey, everyone, welcome to another episode of the Remote Real Estate Investor. I'm Michael Albaum and today joining me again is Neal Bawa, who is the founder of MultifamilyU and a big time multifamily syndicator and Neal is gonna be putting his finger on the pulse of the multifamily market and sharing with us some pretty hard hitting facts. So let's strap in, and let's get into it.   Neal, welcome back to the show. Thank you so much for taking the time to hang out with me. I really appreciate you coming on.   Neal: It's great to be back, Michael. Great to be back.   Michael: Thank you, Neal. So last time, on our prior episode, we talked a lot about the single family space and what we saw going on with the market today. I'd love if we could focus our conversation on multifamily, since I know that you do quite a bit in that space as well.   Neal: That's right. I live and breathe multifamily. I started with single family like a lot of you know, the folks that are using your platform did, but multifamily is more scalable. So we currently have about a billion dollars of multifamily 31 projects about 4800 units that are either in construction or in lease up or you know, are stabilize, right. So, you know, a significant portion of them are already stabilized that we're holding, but we're also building a bunch of them, and working on the construction of some of them. So it's you know, what's happening today is so dramatic and so unusual. We you know, one could compare, maybe it's not as dramatic as the first three months of COVID. But otherwise, it's pretty crazy. It's pretty dramatic, dramatic. So it's, it's a great time to talk about multifamily.   Michael: Yeah. So a billion dollars and just turning back the clock a minute. I'm curious, how long did it take you to get to that point from when you started?   Neal: So I you know, ignoring a past company where I was a partner, this particular company has basically gotten to that billion dollars since February 2018. So, so about four and a half years, roughly.   Michael: Holy smoke, I was just interviewing a gentleman who's got a business he wants to scale to a billion dollars over a nine year period. So you mourn cut that in half, that's incredible growth. Neal: Well, keep in mind, I don't want to demean what we've done, because we're very proud of it. But with a when you're purchasing multifamily, the numbers get big, pretty, you know, quickly, right? So 100 unit multifamily today is $20 million. So you do get up there very fast. So I still consider myself to be a mid-level syndicator. There's dozens and dozens and dozens of companies that have bigger portfolios than I do and also, for reference, a billion dollar portfolio usually only equates to about 10 employees in a syndication business. Now, in my case, I have 30 employees, because I've 20 of them in the Philippines and that's helping me scale and so I have 20 full time employees in the Philippines in addition to those 10 people. But I think it's useful to have that frame of reference, I think that you're setting targets in multifamily, a billion is actually not a bad target the set.   Michael: Okay, I will definitely keep that in mind as I as I scale my portfolio. That's, that's really great to know. But Neal, let's transition and I would love to get your thoughts because you are a data scientist, you have so many great analytics to kind of backup your thoughts and opinions and viewpoints. Tell us what like what's going on in the multifamily space as we recording this today late, mid to late September.   Neal: Prices are falling and they will continue to fall. It's a bad time to buy any kind of multifamily in any market in the US and I rarely, I've never actually said that before, maybe with the exception of you know, first month COVID. It's currently right now, no one should be buying anything in the United States. But here's the good news. You don't have to wait very long. The market is now adjusting very rapidly. So I think that I think February March of next year would be a terrific time to buy you know whether it's the one to four units that get listed on Roofstock. By the way, I currently have a triplex listed on roof stock, check it out, it's on Brandon Avenue in Chicago. Whether it's those units or it's the you know, the larger unit we were also selling, you know, a 200 unit property at this point in time not on Roofstock but we're not buying anything. I mean, we've basically told our acquisition people to be pencils down stop looking, stop talking to brokers stop traveling to properties, because we are halfway through a correction. So and I'll explain why. Multifamily is a very different animal from single family. So let's say Michael is buying a single family property and it's next to another one that's identical to it. So there's two row houses and next to it. Well, if somebody last month paid a million dollars for the first one, Michael can get a loan that appraises for 1,000,000 value for his property, he can get that easily, regardless of what really happens in the market, he can get that, you know, and prices take so long to fall that even if the price actually falls, Michael can use a comp from half a mile away to still get that million dollars in value. So the banks on the single family side are really trusting you to do your, you know, to not to overpay, right. So if they're just looking at it, is there a comp that matches it and if it does, we'll just give this guy alone, right and if they feel like the times are hard, they might change their LTVs from 75 to 70 and but that's pretty much as far as the single family market goes. The multifamily market is radically different because a multi one multifamily property is a business. It's like you're buying a Tommy's carwash, or you're buying, you know you're buying a subway or a chain of subways, that's the best way to look at it. It's a business. So your underwriting really doesn't matter. It's the banks underwriting that matters, the bank that's giving you the funding and the moment that we start seeing interest rates go up in the market, the value of the property immediately decreases. Why? Because the bank's underwriting decreases the value of the property, because multifamily properties are based on just two things, something known as a cap rate, which is basically the market's estimate of what the property should be worth and then something else known as net operating income, which is basically rents minus expenses right? Now, the moment and you know, the moment your interest rates increase, and most multifamily today in the US is on floating rate debt. So what that means is, as interest rates go up, your mortgage is going up something a number called DSCR. I won't go into that into detail on that. But there's a number called DSCR, that basically starts to fall. So the higher your mortgage goes, the lower that number is. This means that, you know, let's say I'm a buyer and I'm selling two multi families and they're right next to each other, right. So they're same number of units, same occupancy, same design, so that their net operating income for both of these properties is exactly the same, like down to the last cent right. Now one, let's say one soft sell sold for $30 million. Okay, and I waited a month like 30 days, and the Fed raise interest rates by 100 bits right, but basically 1%. The second property now is worth less. It's worth less, even though there's another property that sold 30 days ago, that's identical with the same number of tenants with the same rents. It's now worth less so multifamily is on a sliding scale and that sliding scale is affected by interest rate hikes much sooner than single family.   Obviously, single family is also affected. We've seen there's 90 bond markets in the US where single family prices are coming down, but they're coming down really slowly, right. Like the I think the average decline in the last six weeks has been 2%, right and I mean, seasonal declines are bigger than 2%. So I don't even know what to make of that 2% yet, but on the multifamily side, depending upon the market, we've seen declines of six to 12% in multifamily prices already and in remember, the Fed only really started raising in May of this year that you know, we're doing this in the middle of September, right. So in five months, the Feds basically raised everything there was a tiny raise back in March, but it was it was so tiny that it really didn't make any difference. So in five months, the Fed has basically affected multifamily prices to the tune of six to 12%. Here's the bad news. That's not the end, because everybody including yours truly was thinking that when last week's inflation report came out, we would see a downward trend, and the Fed would give us some guidance that yeah, okay, well, instead of raising by 75 bits this week that there's a Fed meeting going on this week, we're gonna raise by 50 and then we'll see what happens in November, maybe we'll raise it by 25 and we were like, okay, if that happens, great. You know, where the Fed funds rate is at 2.25. They raised by 50 pips this week, then they raised about 25 pips in November at 3%. We're done with the Fed funds rate, and that means that multifamily doesn't have to drop any further. Well, it sucks but that didn't happen. Inflation didn't drop and so now the Fed this week is definitely going to raise interest rates by 75 bits, maybe they might even do it by 100 and that basically will spike up interest rates by 100 points immediately and then they'll have to do 75 points in November and maybe another 50 points or 25 points in December. So because of that bad news, we now know that we're midway through this drop in multifamily, right. So we think that there's another five or 6% drop coming by February or March. Is this bad? No. If you're not, you know, if you're not buying anything, just wait for five or six months and you get five or 6%. You know, you know benefits. What the heck is wrong about that because the market isn't bad. Rents haven't decreased, rents are continuing to increase nationwide for both single family and multifamily. So this isn't like 2008, where there's 5 million empty homes show me empty homes. I mean, there really aren't any, the market is an amazing occupancy levels. This is just one single factor, the cost of debt. So, if you can, in February, buy a property for 5%, cheaper, you will have had two advantages. Number one, the next six months, you're not paying for that high cost of debt, right? Number two, you would, you know, say 5%. So your property is cheaper, so your debts less right? Number three, you will be within six months of the Fed cutting interest rates. This is the part that most people don't understand. The Federal Reserve is not trying to kill us. They're just doing their job. and their job is to control inflation because if you don't control inflation, really bad shit happens really, really bad should happen. So it's much better to control inflation and obviously the industry that is most affected when you raise interest rates is real estate. No other industry in the US is affected as much as real estate by interest rate hikes. Here's the good news though. If you look at the last 61 years, the Fed raised interest rates nine times sharp up sharp down. So if you buy in Feb, by, I think July or August, the Fed should be dropping interest rates or at least talking about dropping interest rates.   Why is that important? Mortgage rates are guesses. So single family mortgage rates and multifamily mortgage rates in the US are just guesswork where the market tries to guess what the Fed will do next. So if the Fed starts talking about interest rate declines, the market starts to prices in., right and when the Fed says oh, well, we might hold, right the market reacts. So the interest rates basically adjust even before the Fed actually does anything. Perfect example of this: In December, the Fed started talking about interest rate hikes, but didn't actually raise anything. They didn't change anything until March. But in those four months, interest rates went up 100 basis points, they went up an entire 1% because the market was guessing what the Fed would do. So if you buy a multifamily in February and the Feds basically start to lower rates by June, July and August. Now you're in a better environment and as long as your rates are floating, they may float the other way, they may float down and give you a benefit. Where you start high and then you float downwards. That's why I think it makes sense to wait. I've seen a lot of my friends that have larger portfolios and me 2 billion 3 billion send emails to their investor saying we're pencils down. mean, what that means is we're not even underwriting a property we you know, we see 10 properties a day and normally we underwrite three or four of them. Pencils down means you just click the delete button 10 times and you're done with your job for the day.   Michael: Wow, I have so many questions. But I guess the first one is, why are mortgage rate guesses? Why doesn't, why don't banks look at actual data and what the actual borrowing rate is today and not worry about forecasting, but use hindsight. So it takes the guesswork out of it.   Neal: I'm not 100% sure on that. Just so you know, that's what the multifamily market does, right. So the multifamily market has two kinds of loans or I should say three kinds of loans. One of them is the guesswork kind where they try and guess what the Fed is going to do. The other one is one that's based on LIBOR or now called Sofer, these are basically and basically they're based on like treasury bonds and what those numbers are those loans. The moment the Fed hikes the they're going to hike this week, right so that they have a meeting on Wednesday, that we're probably going to hype it by 75 pips. Well, if I have that kind of loan, and I do at some of my properties, guess what, on Thursday, my debt is a lot more expensive. 75 basis points more expensive. So you can see that on the multifamily side. I have never, ever seen a single family loan do that. Every mortgage that I've seen 30 year 15 year five year ARM, they're all guesses forward looking guesses on the Feds rate. Why? I have no freaking clue.   Michael: Okay… We'll have to find someone out there that can give us a definitive answer as to why that is. But I'm also curious now, you mentioned at the beginning of our conversation that in the single family space, the banks are kind of depending on us as borrowers to look at the value of the home and determine hey, this is worth or not, which seems very counterintuitive because the majority of multifamily investors that I know, tend to be able to underwrite really, really well, oftentimes better than the bank and so why is the bank's taking the power away from a multifamily investor and really giving it to a single family owner it seems a little bit backwards now.   Neal: Single Family is considered to be a REIT in the United States and single family lending is encouraged by politicians. The overall banking system believes that even if they go a little it over on the single family side, it's not such a bad thing, obviously 2008 was 2007 was different because it was not a real estate failure. It was a failure of lending standards, you know, they were basically giving gardeners million dollar loans, right. So that's not going to end well. So obviously, I don't see any evidence of that kind of stupidity existing today. So there are lending standards, they're pretty tight on those lending standards, they're not going above them, you have to be, you know, a good, good buyer. But beyond that, they as long as there's an appraised property that similar your property will appraise. I am not in favor of this other countries do not do this. Banks underwrite single family loans in other countries, the way that we underwrite multifamily loans. But because of Americans believe that single family is a very key part of their life. We've seen this appraisal based system for the last 30 or 40 years and every once in a while it blows up a bubble just like it did in 2007. So this is a conscious decision that the people that run this company had a country have made, and it has lots and lots of good sides, because it tends to overall increase the prices of single family appraisal, you know, somebody buys for more, the your property is more than next was more next one's more. So generally, it has a beneficial effect on the real estate market. But it also tends to create more bubbles than other countries.   Michael: Interesting. Okay, that's really good insights. So knowing that this isn't the ideal time to buy multifamily. What should people be doing? Is this the time to get educated, is the time to go get capitals is the time you know, what should folks be doing right now?   Neal: Um, I think that I'll give you some ideas, right? So I'll give you kind of a sense of, Well, what would Neal Bawa be doing and what would maybe somebody that's newer than Neal Bawa, you know, doesn't have a lot of multifamily should be doing. So let's just focus on that piece first, right, because what I do is really different from what you should be doing, depending upon where you are in the process. So let's say you're early in the multifamily process, you should be educating your investors, that an extraordinary opportunity is going to present itself most likely in q2 of next year. So that's, you know, April, May, June and that opportunity is there for the first time since the Great Depression, that in the 2008, depression, we have an unusual thing happening, and that will be multifamily prices, not single family, but multifamily prices will be low in q2 next year, compared to let's say, now, or compared to, especially compared to a year ago, they will be low. But the economy will not be anywhere like 2008, it'll still it'll be weak, it will be in a recession. But this is what is known as an artificial recession. So recessions are of two kinds, they come in two flavors. Number one, a recession that is artificially created by the Fed to cool down inflation, and we're about to go into one of those recessions, those tend to be shallow, and the they don't damage the economy in the long term, they create short term damage, and the economy tends to recover fairly quickly from those unemployment doesn't tend to go down too much. You know, so, so go up too much, I should say, you know, so. So we're about to go into one of those and those are the kinds of recessions where you want to buy multifamily. Why because multifamily prices still decrease as interest rates go up, regardless of the strength of the underlying economy. So the underlying economy right now is amazingly strong, right. So with all the hand grenades that the Fed has thrown at us for over five months, they've managed to move the unemployment rate from a historic 3.5% to a historic 3.7%. In five months, they basically haven't managed to dent the unemployment market at all and even that point, 2% increase has largely been because of being because of more people joining the workforce. So post COVID, a lot of people took a year and two years off, a lot of those people are now returning to the to the workforce because they're running out of that stimulus money and that's really what that point to otherwise, when you see like you might see, you know, news about layoffs in the United States, Google it actually look at the statistics. Anytime at any point in the economy, there's layoffs, right. But there haven't been more layoffs than they were six months ago or 12 months ago. It's just the regular layoffs that happened in a normal economy. So there's the economy is extraordinarily strong, and it's going to get dragged into recession simply because the Fed is going to keep throwing hand grenades until the economy goes into recession. But because the underlying economy will stay pretty strong during this shallow recession, you've got a onetime opportunity to buy cheap multifamily because multifamily is just as affected in terms of price. Whether the economy underlying is weak or strong right and you have a quick chance to come out of it and make a lot of money. You should be educating your investors telling them about this opportunity, because I haven't seen that opportunity at all since 2013.   Michael: Interesting.   Neal: That's what you should be doing, telling every investor about this and telling them, I am not buying anything now. Well, you probably know me, you know, don't have the investor money to buy anything now. But what's the harm in saying it's still true?   Michael: Right, right, right. Do you think though, Neal, that at that time, q2, next year, that folks, sellers, owners are going to see that, hey, there's this dip in prices, and therefore, I'm not going to sell because I don't want to sell at a loss I bought 234 or five years ago, I'm going to hold on to my property and no, there will be an inventory shortage, or do you do not foresee that happening?   Neal: There is already an inventory shortage in multifamily prices have still dropped. So the if you look at the inventory available to sell in the multifamily market, it's half of what we had a year ago. But multifamily is different from single family in single family is shortage of inventory tends to drive prices up. With multifamily a shortage of inventory cannot drive prices up because banks are underwriting and they don't give a flying F about what the inventory is. They just care about your debt cost and your debt cost is going up. So when so the key thing is that the single family and multifamily markets are fundamentally different. One of them is just a business and the business is based on its debt cost, and its net operating income and nothing else right. Whereas single family is based on demand. If there's nothing available on your street to sell whatever appears is going to sell for more. That's not how multifamily works. So even right now, supply is pretty low. But that doesn't mean that people are over able to over bid, because if they over bid, guess what happens, Michael, they can't get a loan for that amount and now they have to raise lots of extra equity, which reduces their returns and so a lot of them are like this is painful, we're just going to sit back for three to four months for the market to adjust. Buyers have sellers have to understand that either they just keep their property off the marketplace, which you know, you can do infinite infinitely, you can do it for some amount of time or they will adjust their pricing as they already have. Remember, we've already seen a six to 12% delta in just six months. That's how quickly multifamily reacts and I think that's why I'm in the multifamily business because I liked the logic of that. If your costs are increasing and your profits are decreasing, you should get a lower price, right.   Michael: It's pretty black and white.   Neal: Yeah, yes and that's how it works in multifamily. With single family, you can very often see costs increasing, but because everyone's holding off, nobody's basically selling their property. Everyone's like I've got lots of equity in the property. Now there's no property in the marketplace and even with costs increasing, you can often see increase in pricing. To me that has no logic and so I don't play in in that in that field.   Michael: Yeah, yeah, no, it makes total sense. Neal, let's talk about multifamily loan products and some of the different ones that are out there. You mentioned there's three different loan types. There's the fix for five 710 years, there's the LIBOR, floating rates, what's the third one?   Neal: So the second one is tied to so I'll go back, right. So the first one straightforward, fixed, usually it's five years and 10 year fixed. The second one is tied to a number called LIBOR or LIBOR or so far, these days, it's called Silver. That's kind of the new version of LIBOR. So it's a number and the loans will be, you know, LIBOR plus something LIBOR plus 2.25, right and what that means is the moment the Fed changes, interest rates, that's gonna change, right? So your, the interest rate, you're paying changes the very next day, right, the bank's gonna send you a letter saying, hey, Sofer has changed, therefore your interest rate is now x, right and boom, you're paying more, the third one is available, that is basically a rate that you it's a floating rate. right, but it's not tied to LIBOR. It's not tied to Sofer. It's speculative in some sort of ways. Now, it does tend to go up as interest rates go up, it's really tied to treasuries. Now, US Treasury bonds are a speculative product, right? So today, something happens in China or something happens in Russia, something happens in Ukraine, and all of a sudden, treasury bonds will shoot up or shoot down and so that particular rate is tied to the treasury bonds. So it's speculative and so, you know, Fannie Mae and Freddie Mac, often these floating off of these floating rates. Now, in the end, the rate is going to end up more or less where the Sofer one is, but it's not immediate. It's not like you don't get that happening the next day after the Fed raises interest rates and I'll tell you why because it's tied to treasuries and treasuries move upward. Are downwards because of 100 different factors. Only one of those are interest rates. So geopolitical situations can often make treasuries move downwards. For example, if the Chinese economy collapses tomorrow and there's blood on the street, treasuries will go downwards, even if the Fed continues to raise interest rates. That makes sense? So, to these sorts of things, these movements can happen so that rates that are tied to the US Treasury bonds tend to move up and down with Treasury bonds. So those are the three kinds.   Michael: Okay, and who is do you think well suited or conversely, not well suited for each type of loan?   Neal: So in terms of who is the lender?   Michael: No, if I'm a buyer, and I'm going to buy … Yeah…   Neal: I think, yeah, yeah. So there's also something known as a bridge rate, when it bridge loans, which no one is getting, I don't know, if a single person that's gotten a bridge loan in the last 30 days, because there are simply very high there are 7%, or even higher in the last, you know, 30 days. So the vast majority of people today that should be buying, let's say you have to buy for whatever reason, you're not stopping you want to buy the key advisors, everyone should today should get a floating rate loan, because if you believe like I do, that the feds job is to raise rates and then drop them and that's what they've done nine times in the last 61 years, then you have to believe at some point in the future 6-12 18, 24 months rates will be lower, because right now, they're pretty darn high, right? So if you believe that locking in your rates doesn't make sense. So the market today, all we have is really Fannie Freddie floating lanes, rate rates, which are similar to what your local bank would provide. So maybe you have a smaller project, you want to go with local bank, those are the same kinds of rates that Fannie Freddie provides, they're probably charging you a quarter point more, but you've got a relationship with them, their points are lower. So lots of people go with local banks. But I think that's the only game in the market for multifamily today and the other thing that's happening in the multifamily market, which is driving prices down as you get multifamily, you might in a really boom time environment, you could get loans that are 75%, loan to value, right and then when the market starts to tighten up, they go to 70. Well, a few weeks ago, most lenders went to 65. So they're giving you a lot less loan to value for the same property forcing you to raise more equity. When you raise more equity, your returns go down, your underwriting suffers. So once again, people are like this not working. I'm not going to make any money. My investors have something known as pref or preferential treatment. So the property underperforms, they're going to make their pref I'm gonna make nothing. So a lot of people are stepping back, pencils down.   Michael: Yeah. Yeah, that makes total sense. That makes total sense.   Neal: And, and none of this has anything to do with a crash, you know, the 2008 scenario. If you believe that that is going to occur in the next 12 months, you're not data driven because the 2008 scenario, if you look at every if you list the top 10 factors that caused it, because it wasn't any one thing, right? None of those factors, not one of those factors exist today, right? What we do have is we pulled demand forward in 2021. In 2021, we basically helicoptered $10 trillion, worldwide, not 10 trillion in the US, luckily, 4 trillion in the US, but 10 trillion worldwide, we helicopter money to people for the first time in modern history. We've done a little bit of it before in 2009. But remember, we were bailing out banks, we were bailing out General Motors, the money wasn't going directly into people's pockets, right. So here we helicopter $10 trillion worldwide, and there's an inflationary effect. It pulled demand forward, everyone, all of a sudden had money, everyone spent money and so we pulled demand forward from let's say, 2023, next year, to 2021 and when we did that, we ended up creating massive amounts of inflation, nothing to do with the economy itself, but it created massive inflation and now we have no choice but to deal with it. I can tell you this if on the one side you said you know will you take 7% single Family interest rates right over the Fed stopping you know their program now just let him stop it I would say don't do that. Hyperinflation is so insanely dangerous, and so insanely destructive, that I would, even though it would really hurt me. I would take 7% interest rates any day, I will take 8% but I wouldn't tell the thread to stop doing what they're doing. 9% inflation if it gets entrenched if everyone believes that two years from now we're going to be at 9% It's astonishingly destructive.   Michael: Wow, wow. Okay and Neal, I'm just curious in based on your research the nine times over the last six to 10 years, the Fed has raised rates and then pretty succinctly thereafter dropped them. How far do you think we're gonna get, how low do you think inch rates are gonna go? I want the Neal Bawa prediction the crystal ball, if you will…   Neal: The federal funds rate, right, the Fed funds rate is what the Fed raises, they don't raise or lower mortgage rates. It's currently at 2.25% and in two days, it's going to go to 3%. We believe currently that the peak is going to be either 3.5 or 3.75% for the Fed funds rate and we think that on the downward path, they'll cut it all the way down to 1.75%. So from their peak, they'll go down 2%. So from the peak, whatever that peak interest rate is, it should go down 2%, right. Now, sometimes they have to go past that 1.75 on the downward leg, because they've hurt the economy so much when they were raising rates that they have to compensate. But we think that the Meet the perfect equilibrium rate for the Fed is around 1.75. Now, in their, in their public, in the public, they talk about it being 2.25. That's where they would like equilibrium to be. But they never seem to ever achieve that. It's always lower than that in a normal market. So they just like to talk it up a little bit to set expectations. So we think that whatever that top interest rate is that you're going to see the highest interest rate, the mortgage rate. Once the Fed is done and brings it down, you should see mortgage rates 2%, lower. So it there's a possibility that sometime in the next 180 days, you'll see a 7% mortgage rate, right. So it might touch that number, but I don't think it goes further beyond that. Okay, but I could be completely wrong, because if the Fed doesn't kill inflation, then all bets are off.   Michael: Right, right. Yeah, this is all under the guise of inflation getting tampered back because of the moves and so just to kind of put that in perspective for people as the end users, 2% reduction of the Fed funds rate will typically constitute a 2% drop on what a borrower is going to pay. So if rates get up to 7%, and then Fed Funds pullback to two by 2%, we would expect mortgage rates to hover on that 5% in the consumer market.   Neal: Yes, exactly four and a half to five and a half going up and down a little bit, you'd remember it's speculative, but you'll have plenty of opportunities to you know, lock something in under 5%. So I think the key message is this, never be afraid of 5%. It's really beyond 5%, that the single family economy starts to you know, it starts to miss heartbeats. That's where it starts to be problematic until five, I've really not seen much of an impact in the marketplace, there'll be a little slow down in price increases and right now a slowdown is healthy, they've gone way too much way too fast and so retrenchment is a very healthy thing.   Michael: Yeah. Okay and just for frame of reference for folks, during COVID, the Fed funds rate was zero, right?   Neal: They dropped it. It was zero, correct. So there were we've gone from zero to 2.25, in five and a half months, right and they were threatening to do it for about four months before that, but they wanted the market to adjust before they actually raise the rate. So we've gone up to 2.25. It was zero for two consecutive years. So two years, in two months, the Fed funds rate was zero.   Michael: And has that ever happened in American history that you know if?   Neal: No, I think that pandemic is very unique. We saw the Fed funds rate fall to about 1% in 2009 2010. But they didn't take it down to zero. So the only time they've ever taken it to zero is this time, I expect all future crisis will go beyond zero now that the eurozone has gone negative and Japan's gone negative. There's no stigma attached to going negative. So I think the next crisis will go below zero.   Michael: Wow and that'll be an interesting time to have a loan tied to LIBOR or Sofer?   Neal: It'll be is it's fantastically interesting. I think what we are, Michael, we're living in the middle of the greatest financial experiment in history and it's, it's an experiment that has no precedent, it doesn't have anything that you can look back to, right. We're doing some truly crazy stuff and we're hoping that it will work out even though we have about three years three or 3000 years of monetary history that says it's never worked out for anyone in the past. So we're just hoping that we are different so right it's all about you know, as long as the musical chairs are going people are you know, people are walking and that's how it's going to be and I don't know when the real challenges happen. I think we're getting closer and closer. I feel like China is just about ready to combust at this point. We'll see what happens.   Michael: Okay, well, I will definitely stay tuned, Neal. This was amazing as always, for people that want to pick your brain more, continue the conversation learn more about you. Where's the best place nice for them to do that,   Neal: Um, you can connect with me simply by typing in my name. I'm the only Neal Bawa on the worldwide web. So just NEAL BAWA, hit enter, there's a couple 100 podcasts that I've appeared on. There's webinars, conference recordings, where I'm on stage. If you'd like to chat with me on LinkedIn, once again, I'm the only Neal Bawa on LinkedIn. So go ahead and connect with me there or go to my website, multifamilyu.com. So that's multifamily, followed by the letter u.com. There's about 30,000 people that attend the webinars that are on that site, we have a new one coming up, which is the impact of interest rates on the economy, and the upcoming recession. So real estate at this point is officially in a recession. The housing market is now in a recession, because it's declining. But I think the rest of the economy is going to follow it and so we have a webinar on that and I think that's going to be in three weeks.   Michael; Okay, fantastic. Well, Neal, thank you. Again, really a pleasure to chat with you and have you on and I'm sure we'll stay in touch.   Neal: Awesome. Thanks for having me on.   Michael: You got it, take care.   All right, everyone. That was our episode a big thank you to Neal for coming on love his data driven approach to his conclusions, which I think we probably all could use another dose of that. As always, if you enjoyed the episode, feel free to leave us a rating or review wherever you get your podcasts and we look forward to seeing the next one. Happy investing…

James Brown is an athlete, inventor, social entrepreneur, multi-Paralympian gold medal winner  - and climate activist.  There was a time when James was known most for his astonishing achievements across many sports. Between 1980 and 2015, he took part in no less than five Paralympic Games (winter and summer) as well as eighteen World Championship events.His range of disciplines was extraordinary: they included track running, cross-country skiing, triathlon, swimming, road/track cycling and guide-running. He has several Paralympic Gold medals, was holder of the 800m World Record for eight years and has three other World Firsts to his name, including being the first registered blind person to compete in a World Track Masters cycling event at the velodrome in Manchester. In 2018, everything changed for James when his daughter - then at university - broke down in front of him in a cafe in Exeter and explained all she had been reading about the climate and ecological emergency.  James wept with her, but she offered hope in the shape of the newly formed Extinction Rebellion, and the possibility that non-violent direct action might help foment change. James committed to being at her side in whatever actions she took and within weeks, they were walking arm in arm to the blocking of the five bridges that were the first London Extinction Rebellion action. Since then, James has been arrested 13 times for his non-violent actions (once for spraying chalk paint on the road outside DEFRA in Bristol where it was raining so hard the chalk was washing off as they sprayed it one and was gone long before the arrest process was complete). Most recently, he spent two and a half months in Wandsworth prison for the action that propelled him to climate-activist super-stardom - when he climbed onto a plane at City Airport and superglued himself to the top. The Facebook Live video that he recorded at the time has gone viral and James received thousands of letters and emails while he was in prison, from people who felt desperate about the climate emergency and wanted to know how to find the same courage. So this is what we explore in today's episode - courage and agency and activism in an age of total transformation.  What can we do, and how can we find the courage to take the action we know the world needs? James Brown Website: https://jamesbrownparalympian.co.uk

Welcome to Ready Layer One, all things in the NEAR crypto ecosystem. We recently went to the NEAR Miami Hacker house and met up with OG in the crypto space, a web3 adventurer, Sheldon Dearr who is the Technical Lead for Octopus Network. Octopus Network is a NEAR-based multichain interoperable crypto-network for launching and running Web3.0 Substrate-based, EVM compatible application-specific blockchains, aka appchains. He explains what exactly is Octopus Network. How it fits in the NEAR and crypto ecosystem, all the benefits of the platform, and who should launch a project on it. This is one of those podcasts that by the end we had a much better understanding of what exactly Octopus Network is and we hope you will too. Enjoy. Sheldon Dearr twitter - https://twitter.com/ArtimusLeton Octopus Network - https://linktr.ee/octopus.network Ready Layer One Podcast - twitter.com/ready_layer_one and https://readylayeronepodcast.com/ Joe - https://twitter.com/joespano_ Jared - https://twitter.com/jarednotjerry1 NEAR near.org/ NO FINANCIAL ADVICE– The Podcast, is provided for educational, informational, and entertainment purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The Information contained in or provided from or through this podcast and podcast is not intended to be and does not constitute financial advice, investment advice, trading advice, or any other advice. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this website without undertaking independent due diligence and consultation with a professional broker or financial advisory. You understand that you are using any and all Information available on or through this podcast at your own risk. RISK STATEMENT– The trading of Bitcoins, alternative cryptocurrencies has potential risks involved. Trading may not be suitable for all people. Anyone wishing to invest should seek his or her own independent financial or professional advice.

Gh0stlyGh0sts is first omnichain NFT, which means pieces can be moved across Ethereum and Layer 2 networks. Gh0stly Gh0sts - Collection | OpenSea  Multi-Chain: Many projects using multiple chains for their projects to gain credibility then move to less gas-intensive layers, eg. start on Ethereum, then introduce an aspect on Polygon (Red Village) Users must change network in wallet, hold various currencies in order to transact Meebits DAO had to issue small amount of Matic to all members in order to delegate votes - which required a vote Cross-chain will enable users to forget about the backend - ie what network the assets are on. May require projects/platforms to pay for fees for the sake of providing a better user experience   Affordable project:Gh0stly Gh0sts - Collection | OpenSea    NFT NewsRantum NFT Market Data,  Cryptoslam.io NFT Headlines: VaynerSports Pass Is Sold Out! What We Know About It So Far  VaynerSports Mint: Gas Fees Generate Three Times the Creator's Profit Britain announces plans to mint its own NFT as it looks to 'lead the way' in crypto   Hack steals $625 million from NFT game Axie Infinity's Ronin blockchain - The Verge        Transcript [00:00:00] today on all about affordable and FTEs Unchained, my NFT Omni chains, verse multi chain. We're excited to be talking about this topic. The first Andrew, what are we seeing in. [00:00:12] Yeah. It's it's been a little longer than usual since we are recording here. So we've got some, some news to catch up on George. [00:00:20] Yeah, we both took a little break. We took a break for two seconds and then we're like, well, maybe [00:00:24] well, you know, it was a, you know, an extra day or two and whew. There's a lot that happens. So yes, some big news here. We've got a big time act. [00:00:34] One of the biggest crypto history, 625 million. And this is very NFT related because it was on the Ronin network, the network that backs ACCE infinity. So 625 million. Taken this was from users' accounts essentially where they had parked their Eve using it on them, using it on the road in network. [00:00:56] So they, the Pronin team has come out and said that they will reimburse all users here. So that's good, but it is a, you know, it's worrisome that that this can happen apparently five of the nine I'm sorry, the five, five of the nine. I'm forgetting the name now. The [00:01:15] We're taken over. [00:01:16] So they put some, they put some extra provisions in there for extra security. But yeah, that is big time. They're going to take 150 million or so from Binance to help reimburse people. But I assume they have the rest of it available that is still going to hurt. One part that is sort of funny about this is the hackers. [00:01:38] Shorted the ACCE token R I'm sorry. Yeah, I think it was the ACCE token on before the news of this came out in the news did not actually tank the value as they expected. So they did get stopped out of those positions. So that is kind of funny of flow. They are doing quite well with what they were able to get away with. [00:01:59] Well, I mean, yes and no. What, what they got away with, as I understand, was moved to FTX, which was, and is a control bank for crypto, Right. That's not a decentralized movement wherever. So I'm not quite sure what the plan is because that stuff could get frozen pretty quick. I think it is pretty remarkable that that amount of sort of, you know, theft doesn't really impact the price. [00:02:25] Yes. There was a drop in, in Ronan, but it like spikes back up on April 5th and it's, you know, back down, but it doesn't, it wasn't a collapse. Right. It might as well have been an Elon Musk tweet and things kind of kept rolling. [00:02:38] Yeah. Yeah. I guess it was the Ronin network. You're right on that one. Yeah. And it was surprising. I've spent a year. At least it has been a pretty bullish crypto and NFD market as of late. And I think it's, you know, in that, in this kind of environment people are willing to overlook even a major hack, like. [00:02:55] Yeah. And it's the question of how do you calculate that sort of unpriced risk of a centralized network? Decentralized, right. You're just mentioned there were nine tees that controlled this thing, as opposed to a decentralized network where it would be millions of keys or millions of nodes. And it would be very [00:03:14] There we go. [00:03:15] very difficult to do a sort of whatever 51% takeover, you know, it's scary. [00:03:20] It's a wake up call for, for these other side chains and another sort of plus one to a theory based and layer two. Based pieces built on a theory. I'm not saying that they can't be hacked, but this was a brutal one. [00:03:33] we'll get into one of the problems with Ethereum and FTS and just a second here, because we've got Vayner sports was just minted yesterday. Surprise, mint and gas. These spiked to insane levels. They have a little. What's it called widget on my, on my browser. And all of a sudden I noticed it was up near 3000 at one point yesterday when it's been, you know, in the fifties and two digits for the most part as of late. [00:04:01] And so there was over three times the amount spent on just the gas fees then as the mint fees and this one just failed transactions all over the place. So a pretty terrible drop here. That is, you know, that's the beauty of Ethereum. So. You know this, I don't know why people are willing to put it through. [00:04:19] At that point. It's got to be, you've gotta be thinking it's tough to make a profit when it's a 0.1, five eith drop and you're spending four or five you know, many times that on, on the price of gas. [00:04:32] Yeah. So the total take-home numbers, just to put it in perspective, they made about call it 10 million on the mint of 15,000 NFTs about at that point. Five five Ethan amount. And the total gas. [00:04:46] was estimated to be at around 25 million. [00:04:49] Yeah. Well, I had heard, I had heard some, some significant figures that I'd heard even a little bit higher than that. That is. Wow. No matter what it is. 27, 20 5 million on gas. So there are problems with drops on Ethereum. It's, it's not perfect, you know, layer twos definitely solve that issue for the most part. [00:05:10] You know, and, and it's still not, it's not where most people are. Most projects are willing to launch. What's sort of interesting is the Vayner, some of the teams behind Vayner sports have. They've done drops on. I believe on a mutable in the past, which is a essentially gas lists of layer two. And you know, for this, they, again, chose to go with Ethereum, you know, perhaps they thought that the the surprise aspect of it may reduce gas fees. [00:05:39] But I think in general, those we've seen that those often spike gas fees and, you know, getting into. It's been a bull market and people have been much more willing to jump into projects then maybe a couple of weeks ago. [00:05:52] Yeah. I'm pretty surprised by this too, because I feel like Gary Vaynerchuk and the, you know, the Vayner Vayner media network is trying to position themselves as the expert in all things, brand sport and NFTs. He even launched his own of course, very popular V friends, as well as a number of other things. [00:06:13] And this is, this is a sort of unforced. That hurts and erodes brand trust in a way that I think is like antithetical. You know, I know a lot of his work is antithetical from the way he does business, but you can't just sort of say, oh, we'll make everybody whole. I mean, maybe they can and just eat it, but even still remember, they only made 10 million people spent two to three X more on the transactions and. [00:06:42] You know that's a problem and it's a problem in the architecture. [00:06:45] Yeah. And I know that there's, you know, I know Dutch auctions. Aren't perfect. And there's been, there's been a lot of talk about what the real Dutch auction should mean. You know, I think there's, there's been a push for. For that to mean that everybody ends up paying the same price, being the final price, which would be, make it much more fair than I think most of them are handled right now. [00:07:05] But the one thing that does do is give people a chance to spend more on the price of the mint, rather than just spending it on gas. And if someone is willing to put in. A ridiculously high gas fee to get a mint throw. And I think there was a max of four pieces on this. So, you know, maybe, I mean, I would at least prefer that to be going towards the project that I'm investing in than to just gas fees. [00:07:30] You know, I I'd rather see that that ease is captured and use towards adding value to the project then than just wasted on gas fees to jump in line ahead of somebody else. [00:07:39] Pretty clearly pretty clearly it has to be done in a different way. And you know, I'm sure there going to be more articles out about how they're dealing with it, but. You know, pretty, pretty ridiculous, and also just kind of stinks, right? Like burning that, you know, goes to, where does that money go? It goes to minors and it just goes into the ether ether. [00:07:59] Right. It actually disappears. And I think when it moves to proof of stake, it'll actually be a little more interesting and actually make an aggregate help. I think the larger Ethereum network more than it frankly does now, which feels like it goes into a black hole of say, [00:08:14] Yeah, one note about this it's I believe the project is led by AIJ Vaynerchuk, which is a. Which is Gary's brother. I'm sure Gary is involved in, in many ways as well though. [00:08:26] Yeah, fair fair. I assume with the brand and association, but Yeah. good point. Good. Now. All right. You have Britain [00:08:34] Yeah. One word. [00:08:34] to mint. Oh. [00:08:36] Yeah. Oh, no, just about this or go on yet. So we've got Britain, they've announced plans to Benton NFT by this summer. So they want to become a crypto hub. They announced this all in say at the same time, if they want to become more of a crypto hub and have released an NFT, I'm sure they're getting backlash for this. [00:08:56] You know, anytime a major public entity announces NFP plans. Always a lot of controversy around it. So I can't imagine that this will be accepted without pushback as well. But it is, you know, it's interesting. I think it's a, it's interesting that they're trying to get into crypto and I think there's been a lot, a much wider acceptance by regulatory bodies to look at crypto as not this thing to keep out, but rather, how are we going to work with it? [00:09:25] How are we going to embrace this? You know, I, I certainly am not recommending anyone to go mint this NFC, as soon as it comes out or [00:09:32] the affordable project of the [00:09:34] But but I, I think it is, I think it's great to see that that governments are more welcomed towards being more welcome towards crypto at this point. [00:09:42] Yeah, it's a good sign. I'd say overall for the NFT market and acceptance and more predictable that's I think the big word, like a predictable future for regulation rather than, you know, wait a minute, we're going to take away all the, you know, potential here. We're going to ban it outright. It seems to be much more on the adoption curve along the way. [00:10:04] All right. Well, let's get into, well, I think we can, we've got a bit of a cross between our affordable [00:10:12] We murdered them. Cause sometimes we forget, [00:10:14] This week. So we're talking about Omni chambers, multi chain. And one of the reasons we're talking about that is the new project that has launched those sleep ghost ghosts being spelled with a zero instead of an O in both words there, this has just launched. [00:10:29] It is claiming to be the first Omni chain NFT and by Omni chain, it means that it can be transferred across from Ethereum to layer twos, to optimism, to polygon, to And there's a couple others that it works with a kid, sorry, like an off the top of my head. But so you can actually move this across. [00:10:49] So if you want to, if there's a future where you could maybe play a game with us on polygon, you can put it there. If you want to verify your profile on Twitter, you can put it on Ethereum. So you can, there can be different use cases for it on different networks. As far as I know it is the first Omni chain. [00:11:06] It's the first NFP that can do this. In the past we've seen. Projects, primarily mint PR on different chains to have interoperability between them. So this is a little different in that the NFD itself is moving, is moving between these chains. So essentially you're still parking it. It's a bit of a bridge for the NFT to do this. [00:11:28] So this. It's a bit pricey right now for an affordable project. I believe the floor is around 0.4 as we speak. Let me take a look at that. 0.4 [00:11:39] Point for too. So it's, it's come down a little bit. It had gotten I believe up over 0.5 at one point. But I have seen it talked about a lot and I don't know that this will necessarily be the project that takes, takes hold of this Omni chain or cross chain sort of narrative that, that I think could become prevalent in, in NFTs and crypto for a while here. [00:12:03] But I think that. It's at least worth watching to see how this does and see if, if this does catch on, if you know, before it continues to fall, you know, maybe this, this is a narrative that isn't that important to people. However, I think that with the rise of all these layer twos, we're looking for ways to, to work between them rather than have them as as, as so prominent within the project. [00:12:28] I don't think that it shouldn't necessarily. The change should dictate so much of the project. The project can move between these. So if that does catch on, I could see this project doing quite well. Same time. I, I, I could see ghostly ghost just paving a path for other projects to to do the same thing. [00:12:46] So I be on the lookout for other projects that are following this bottle. They certainly won't be the only one as we've seen when new trends catch on. Spread quickly. And and it's not always the first mover that does succeed, I would say as we've seen in many projects or the past year, [00:13:06] Yeah, this is interesting. So the discord I just popped in, it's got about 3000 members, 1000 active, and the number of men contracts that you can kind of chase it down on, goes from like Binance, avalanche, Arbitron polygon chance and optimism right now is pretty darn impressive. And then there's like, [00:13:26] Okay. That actually, I think I misunderstood that it's not just layer twos, then there are even other layer [00:13:31] Yeah, no, no. It's it's Omni chain. Given the fact that you can get to avalanche, which is a different layer, one yet Binance, [00:13:38] Binance. Okay. That's yeah. That's, that's interesting. And an important note there, I would say that it can go across not just a theory and base change, but to other chains. [00:13:47] Yeah. And they, they talk about it being different than currently. You can use NFT, a tool called wormhole, apparently that will sort of like, hold your NFC and like a lockbox, call it in a contract and then give you a synthetic replica and the destination chain. And you know, this may be a risk of hacking there as we've seen with bridges before. [00:14:09] But this, you know, they're, you know, they're claiming their white paper to be the the first true. Omni chain and Ft and moving it back and forth. So actually, if you were to buy it and you wanted less gas, I would buy it on, let's say polygon, right? Like you can check calling on for, it is going to make it kind of like, I don't even know what the floor is then. [00:14:27] Right. Because I [00:14:28] That's true. [00:14:29] looking at an Ethereum floor, so I don't know. [00:14:32] That's true. Yeah. I'm looking forward to more tools that do work across these networks do, because this is going to become a bigger, bigger issue that, you know, there's going to be braces that are on different, different marketplaces, different platforms. And you're gonna have all over all sorts of places to check, to find a real floor price. [00:14:51] I'm going to, I'm going to full disclosure. I don't own any of these. I think it's gonna take me some research to do it. Also I'll note that like their white paper and the website is technically a post on medium. So I, I want to see a little bit. About, you know, the, the team of what's going on behind the curtain, I think before I pull the trigger, but I think it's I think it's interesting to do your own homework and. [00:15:11] Yeah, I think that's important. We're not 100% recommending this, especially at this price, but I think it is worth keeping an eye on and is not. It could be an indicator of, of, of what is to come for other projects as well. [00:15:25] So when we're talking about multi chain to this like theme of Unchained, my NFT, there is a not too distant future because it's already kind of. Where many projects are going to be able to move across multiple chains. And maybe that's from sort of inception that we just talked about to the, you know, the tools I just mentioned like warm hole, but in effect, we just talked about how that Vayner sports lost an incredible. [00:15:55] Of gas for its customers because they chose a very expensive platform to mentor. Now, hypothetically, let's say you had chosen a polygon, right? When you met there and say, look, you can bridge it here. We built a tool to Bridget, go on. Now it's on Ethereum and you have the cachet of being on Ethereum. [00:16:13] You know, what that looks like is, is going to open up a lot of potential and maybe decrease the prevalence or. Importance of Ethereum as, as a full network. If you can move between chains potentially. [00:16:26] Yeah, I think that's it's definitely possible that maybe we don't care as much about Ethereum. And I think one of the, something that I'm looking forward to is the user not needing to care quite as much about which network it on a project is on and have to switch between it. You know, I think there's a lot of. [00:16:43] A lot of technical aspects that the user's exposed to right now that seem unnecessary. You know, not, I'm not just talking about the fact that you'd need to use a wallet and all this, but then you've got to switch between it and have, have a currency on the right network and make sure that you have enough of the currency to keep transacting, because otherwise you're just going to be stuck without it being able to move anything on. [00:17:04] There's just a lot of issues that come up and you know, I think this is, this should be pushed to the back end. So I'm looking forward to when, when it it's, there's not so many hurdles to just trying to use another network. It's, it's already difficult enough to use it, to get it in FDS as it is. And, and putting it on the user to, to to figure out how each of these different networks is a lot to ask. [00:17:30] Yeah. [00:17:30] it's tough to move to. I mean, Yeah, absolutely. We're we're only at a fraction of total people owning. And FTE something like 1.4 ish million. I mean, it depends on what stats you're looking at, but if you were talking about what gets mass acceptance, it's saying that like, well, wait a minute, you know, I bought this, you know, this non fungible element and why does it matter what, what chain is on? [00:17:53] And I think those, those pieces are going to get better. I think there are security risks with sort of the, you know, when you're bridging with a tool like Warhol, If you are also considering the platform you want and the, like the overall security, we just talked about the Ronin hack. Let's say you'd move it onto a alternate layer one. [00:18:13] And I dunno, say all of the Ethereum bank accounts get, you know, its underlying cash gets taken. What does that mean for your asset? Well, I don't know. You can, you can move that back. What does it mean for did that technically have a pricing event or a repricing event? Does that have a tax implication? [00:18:28] I have probably more questions than answers when it comes to it. But I do think the, the future of NFT ownership is one where moving it across as an asset is made easier. I also believe that it will increase the potential value of based and FTS when they can come into the highest liquidity pool, which is, if you're in minutes, I had a topic we'll get to. [00:18:54] Later. So I think that may open up a door for additional value in terms of overall marketplace purchase power for these alternate layer one projects. [00:19:07] Yeah, that's true. I mean, it is, it is still the biggest liquidity bullets where most people are trading NFTs. You know, I know that there's some other networks. Have growing NFT marketplaces, but at there I am still the biggest. And you know, that's the reason that I think we're seeing projects still launched there, despite the gas fees. [00:19:26] It's, it's where most people are. And if they're willing to, they're willing to spend the gas, you know, it's, it's where you want to go. I think one of the reasons is that it's relative, there's still a lot of hurdles to using layer twos. There's a lot of people that don't quite understand what it means to use layer cues, to use other networks, you know, Once, I dunno, I hope that once those issues are maybe not completely resolved, but they're made easier to overcome. [00:19:52] You know, I think we'll also start seeing people get into these, you know, I think that could be, you know, if it's just using, if you can use the same tools that you're already using and access more of these other networks and not have to go through and kind of figure out the technical side. I think that there's a very easy avenue for new people to start coming into these other projects. [00:20:11] And like you said, that can add value to the products that were at least originally on other genes. [00:20:17] Yeah. Well, there's also another aspect, which is the strategy that red village, the red village took with and dropping their initial sort of token access path. Called the blood portal and then they're, you know, their bones collection and then saying like, all right, now these will give you access to the drop or the mint on polygon. [00:20:38] Right? So they have the sort of high level, a theory I'm based to add that credibility. And then they move to the, the low gas gas lists, a polygon or secondary chain. And, you know, maybe that's stretching. Goes away, maybe it doesn't, but that seems to be the most logical if you're trying to like, have your cake and eat it too in that sense, but you're still changing wallets and networks and it's a bit of a headache. [00:21:02] Yeah. Yeah, absolutely. I mean, it's not, that is the way we've seen it done a lot. I don't know that it's I don't think it's the way it's going to persist over time. I think people are going to want to be able to move the actual asset and not have kind of a key on one chain and the asset on another. [00:21:19] Yeah. that makes sense to me. And then you have a mention here that me Bitstamp also had to issue a small amount of MADEC to all members, to delegate votes, to require a vote. [00:21:28] Yeah. So they've used Maddick for voting, you know, which is interesting, but you know, they did have to actually distribute Maddix. So it didn't cost much. And as I mentioned, when you go on these other networks, you've got to have enough of the token that the you know, that they charge fees in two people to do any transaction. [00:21:45] So while it doesn't cost a whole lot, you still need something. So, you know, you need a little bit of, of MADEC there. So that is one of the things that you have to keep in mind when you are on other networks. So if you're asking your users to go do it, you know, that either means that they, you need them to go. [00:22:00] Moved some funds over to both to this other network and then two with the, the right the right asset you know, being MADEC on polygon anyway that it can be, you know, there's, it's different on different networks, which can be confusing. So, you know, I think that that needs to, you know, that sort of thing is the. [00:22:18] Overcome that, you know, I think that's too much to ask people to always figure out and for projects to to expect users to take on upon themselves. [00:22:27] Awesome. Well, I think there is definitely some element that we're going to be looking for in terms of saying as their alternative layer, one NFTs out there that we can find. And in what it means when we begin to merge these like very disparate systems. Cause like, look, let's be honest, we've given you pretty much, I'd say 95% Ethereum based NFTs. [00:22:47] Cause it's where things that we trust are minted and made, but that may be changing. And I'm, I'm kind of excited for that. Although we have branch to like layer two polygon a bunch, but yeah, for the most part, that's where we play. [00:22:59] Yeah, that's true. Yeah. We've mostly stuck on Ethereum, but you know, maybe we'll branch out a little bit more. As we see things developing.

In this episode, Erasmus Elsner is talking to Kimberly Shenk of Novi Connect, B2B marketplace to help brands build and manufacture transparent products, which recently announced a $10.3M Series A led by Greylock 00:00​​ Intro  02:04 Getting started with Naked Poppy  04:09 From Naked Poppy to Novi Connect  05:17 Sustainable Chemicals Market  07:30 Kimberly's data science background  09:19 The Novi Connect Business Model  11:11 The Novi Connect MVP  12:49 Getting the first Customers  13:42 Growth Metrics and Milestone  14:33 Fundraising journey  15:50 Series A led by Greylock  17:37 Mulit-sided B2B marketplace  21:26 Growth metrics and milestones  23:26 Acting as certification agent  24:24 Competition  26:49 AI-driven platform  28:26 Scaling Novi Connect  29:37 Newjoiner Bootcamp  30:53 Priorities and focus  31:53 Category expansion  33:14 Longterm vision

This week the boys welcome in Jeff Schiller. Jeff created the original Toy Spotting twitter page. Jeff has a Kickstarter going on for a comic book called Magic Powder. In the news. The biggest question for 2021 has been answered. Mattel and WWE have re-upped their deal for a Mulit year deal. In the nostalgia segment, the guys discuss Playmates Grudge match figures. And they round out the show with a wish list.   Make sure to follow us on Twitter, Youtube, Snap chat and Facebook @Fullyposeable.  Instagram is @FullyposeableWFP.  You can email us any questions at Fullyposeablewfp@gmail.com.  Purchase our shirts and more at Whatamaneuver.net, Pro Wrestling Tee's and RedBubble.

EPISODE 37 is LIVE!How does one land deals in a highly competitive market? How does a newer investor build relationships that matter?  Listen in to find out!Nasser is a commercial real estate broker with Capstone based out of Tampa, FL. He has a strong background in both commercial real estate lending and multi-family development, excelling in various roles as a portfolio manager of a $300M+ commercial real estate loan portfolio and assisting in the ground-up construction of over 500 multi-family units. His experience on both the lending and development sides of the industry will allow him to better serve his clients in their transactional and advisory needs.Download the full episode: https://www.buzzsprout.com/1650301/9185354-episode-37-building-solid-broker-relationships-with-nasser-al-hafi.mp3?download=trueWe cover:-Finding deals in a highly competitive market-Building solid relationships with brokers-The State of the Mulit-family market in the Southeast Get in touch with Nasser: https://www.capstone-companies.com/team_member_info/nasser-al-hafi/#podcast #multifamily #assetmanagement #podcasting #podcastlife #financialfreedom #investing #cashflow #redlineequity #crushingit #crushingcashflow #gains #finance#buildingwealth Learn more about investing with us www.investwithredline.com

Trevor Crotts is the CEO and founder at Buddy Brands. A pet products company founded in 2011 they have now become multiple dog brands which combined have annual sales of substantial 7 figures. Get all the links and resources we mention at https://ecommercemasterplan.com/podcast/?utm_source=captivate&utm_medium=episodenotes (eCommerceMasterPlan.com) This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

My guest is from Lagos, Nigeria. Rising star in the Hip Hop genre. Mulit-talented to playing various instruments to rapping. We discuss about his journey as a struggling artist, support from family, and advice on parenting.  Please welcome Madubike Daniel and follow him on the rise of his career. Organization: MDK MusicEmail: mrgentlemusic@gmail.comPersonal Website:  https://mdundo.com/a/182041Song played: Ebelebe https://www.bandlab.com/jasminecastillovoice/mr-gentle-ebelebe-dae7033cAdditional Song: Far Away https://www.bandlab.com/jasminecastillovoice/mr-gentle-far-away-2db629a3Created by: Jasmine Castillo (aka DJ GemJam) https://www.jasminecastillovoice.com/This true-crime podcast of #MMIP, #LBGTQ2S, #BIPOC, #AAPI. I am dedicated to helping put information out to assist families in finding these lost loved ones. Here is the guest form if you are interested in telling their story.My contact number is +903-883-6103 or email: HandsOffMyPodcast@gmail.comhttps://handsoffmypodcast.wordpress.com/Support the show (https://www.buymeacoffee.com/JasmineCastillo)

Join Rico Figliolini and Brian Johnson on this episode of Prime Lunchtime with the City Manager to hear about all of the exciting things coming to Peachtree Corners. Get updates on new restaurants coming to town, expansions, redevelopment, and details on the multi-use ordinance.

I'm talking today about Klein Tools new Mulit- screwdrivers that came out. What did they change? You might be surprised. Follow me Instagram - https://www.instagram.com/pjbridges_28 Twitter - https://twitter.com/pjbridges28 Website - https://phillipbridges.com Patreon - https://www.patreon.com/phillipbridges Podcast - https://anchor.fm/phillip-bridges8 *Leave a voice mail if you have a question, you might get played on air.*

Episode 12 - Project Cash On A Roll! 3 In A Row

Eddie the Eagle was able to hook up with Dave the Bulldozer Bouche for a conversation about racing! Dave has been racing for many years and won 5 Track Championships in a row in the IMCA Stock Car division at the Hill Raceway... that is quite the accomplishment in that division. Find out a little info about the Bulldozer and what his 2020 season looks like, where he is racing, ect. Coronavirus or COVID-19 is hitting this country hard... is it affecting where you race? Leave us a voicemail and we will play them on the next show! Click HERE to LEAVE A VOICEMAIL Become an official Local Dirt Pod Crew Member Here! Find us on Facebook Here --- Send in a voice message: https://anchor.fm/thelocaldirt/message Support this podcast: https://anchor.fm/thelocaldirt/support

As your mum would always say, do as you're told! But that's not the case if you drive for Ferrari! Yes it was Mulit 21 revisited, or as you could say Multi 165 before Sebastian's MGUK sent him straight to bed without any dessert. But that's not the case this week as we are on our very best behavior serving up a double, triple scoop of F1 goodness. This week we discuss the happenings of the Russian GP, the race that was and then was not, team orders yes / no /maybe, we unpack the news, grill Roger on his dismal fantasy efforts and much to your delights sprinkle your ears with fan questions, all before we tuck everyone in with a hot serving of the future qualifying format, you don't want to miss that. All that plus much much more on this week's ep of BTRL.

In this episode, I’m excited to share a rebroadcast of one of my favorite interviews I’ve conducted so far on the podcast. I’ll be mixing these episodes in with brand new interviews over the next few months…I encourage you to check them out if you are new to the show—and if you’ve been a long-time listener, first of all—thank you!—I encourage you to listen again, as you might just catch some insight that you didn’t before. Enjoy!  Guest Bio: California-based certified yoga teacher, Kimi Dawn, has been practicing yoga for several years, exploring a variety of yoga disciplines and is focused on the therapeutic and nurturing modalities in which yoga can bring balance, peace and healing into her student's busy lives. Her approach focuses on the intuitive movement of each unique body, mindful of anatomical variations, Kimi Dawn, teaches slow, deliberate sequencing to allow time for experiencing the postures, checking in and being in the center of strength and acceptance of the body. Kimi Dawn's offerings lead students back to themselves; with the possibilities of rediscovering their innate wisdom through meditative movement and breath. She teaches yoga in studio environments, city organizations, donation based park and private/small group sessions. Certified through Tamal School of Yoga; Tamal Dodge & Sesa O'Connor (200 hours of Vinyasa Flow) and Silk Roads Sangha; Daniel Hickman & Denise Antonini (200 hours Mulit-disciplinary Yoga). Kimi completed 1st and 2nd degree Reiki training with EarthSoul Holistic Healing and an 8-week "Daily Love Mastery" life coach course with Mastin Kipp, founder of The Daily Love, in 2014. Influenced by master teachers, Kimi Dawn has practiced with Seane Corn, Annie Carpenter (35 hours of SmartFLOW training), Kathryn Budig, Brian Kest, Ashley Turner, Saul David Raye, to name a few. She's been practicing from Thailand to Italy and wants to share it all with you. Follow Kimi on Instagram // Listen and Subscribe to the Think Outside the Lines Podcast: Apple Podcasts Spotify Player FM Stitcher IHeartRadio Pocketcasts // For more information about the show, coaching services, and more, please visit: http://thinkoutsidethelines.com // Follow @ThinkOutsideTheLines on Instagram

Songwriter Allee Willis talks about working with Earth Wind and Fire, her time with Bob Dylan and James Brown and the “September.”

Mulit-instrumentalists and music historian Dom Flemons (Carolina Chocolate Drops) joins us to talk about his new record 'Black Cowboys' (Smithsonian Folkways) and a lot more. The record documents the music that black cowboys would have performed in the Old West, alongside some tracks inspired by that chapter of America's histroy. We also talk gear - and learn about Flemons' unique vintage banjo and Fraulini guitars - and a lot more. This episode is sponsored by Dying Breed Music.  Links: https://theamericansongster.com https://folkways.si.edu/dom-flemons/black-cowboys https://www.fretboardjournal.com

Mulit-age students retell stories from Vashon's past

My guest this week joins me for her third appearance on the podcast. Join us for an in-depth conversation on overcoming struggle, and living your best life! Guest Bio: Thank you for seeing me. I'm Kimi Dawn, in case we haven't met yet. I'm a California-based certified yoga teacher, Reiki Master, living room dancer, and your humble 'reminder' that we are all in this 'circle' together. I know that the magic happens outside the comfort zone and the pictograph that tells you to be the dot outside the circle. Yes, please be that dot, but remember that this circle is to support you when you need to round up and be reminded none of us do it alone. Plus, there's just something really sacred and soul connecting when we Circle Us as seekers and consciousness contributors.Where I join the circle...Allow me to help remind you of who you really are and why YOU matter. We will explore the process through various ways of connecting you back to the 'real' you that nobody else can be; authentic, soul-shining, and embracing the gift of your life or creating the life that is waiting for you! How? Explore my page, SEE what's available and allow yourself to be SEEN | An Experience of Presence.We are all creatives by nature, but along the way, I found myself in the certificate club. Here are the credentials, but mostly, it was about the teachers that had SEEN me, and helped me to remember it was best to continue being me. Certified through Tamal School of Yoga; Tamal Dodge & Sesa O'Connor (200 hours of Vinyasa Flow) and Silk Roads Sangha; Daniel Hickman & Denise Antonini (200 hours Mulit-disciplinary Yoga). 35 hours of SmartFlow with Annie Carpenter & an Embody Love Movement facilitator focusing on positive body image and community awareness. Reiki Master Teacher under the Usui Reiki Method and Karuna Reiki practitioner. Soul reviving 8-week program called "Daily Love Mastery" with Mastin Kipp in 2014 and continues to be part of his online mentoring program "Claim Your Power™." Aside from formal yoga training, a lifetime ago I obtained a B.S. in Technical Management; was discharged as an Army Veteran, and always a humble mother of three amazing daughters whom are truly my best teachers. I've placed myself in the presence yogalebrities such as: Seane Corn, Kathryn Budig, Ashley Turner, and Saul David Raye, which have inspired my own practice and offerings.For more information, visit Kimi on the web: kimidawn.comKimi on Facebook   //   Think Outside the Lines Podcast Subscribe / Leave a review on iTunes Subscribe / Listen on Google Play Music Subscribe on Soundcloud Subscribe on Player.FM Subscribe on IHeartRadio Subscribe on Stitcher // If you would like to stay updated on all things podcast-related, click here to sign up for the mailing list.

This is from an episode of the For The Love Of Money podcast that I was on and I really wanted to share it with you guys! For those of you who may not my past or how it all began for her, I have the honor of sharing it with you today. Having a “money mindset” may not come naturally to everyone, but that doesn’t mean you can’t ever create it. “My success hasn't always been like this and I know it’s something I will continue to work on for the rest of my life because I know that once you hit one level, there is a whole other level out there that you need to strive for.” -Lori Harder Growing up, Lori was raised in a very conservative household. At a young age she was told, “Money is the root of all evil and you only need to make enough to survive. Anything more than that is evil and greedy.” With the constant battle in her head between money isn't good vs. how does the world go ‘round without it, can you see how that would create a whirlwind for a young child just trying to “make it?” Having two very different views on the subject when we first met, Lori’s money mindset began to shift after we started to spend more time with each other. “It was refreshing to see that you and your family thought of money as just a thing that created awesome experiences. It was something you looked forward to and were proud of yourself for earning.” Even though Lori still had the belief that money equaled greed, she still wanted to create a better life for herself – so she made it her mission to incorporate both beliefs. Why not make money, sufficient enough to live well and financially stress free, while still giving back and be of great service to others? DING DING (light bulb goes off)! “Money doesn’t make you greedy, I believe that it just highlights more of who you already are. It will just amplify how you were already showing up in the world.” Moving out to the West Coast, for us, put success and wealth in a whole other category. The entrepreneur mindset and the “shameless” money personalities out here, makes the opportunities endless. There is no cap or ceiling. If you have the passion and the heart to create something and make money off it then the world is your stage! (WELCOME TO HOLLYWOOD!) I know from experience that Lori is NOT the only person to come from a family who has fearful thoughts around money. Whether you think you don’t deserve to have a lot of it, or that it’s evil, or you end up spending it faster than you truly earn it, whatever it may be, my wife and I are here today to break through some of those tough beliefs and to “give you permission” if you will, to take control of your own life and finances. Hard work should always be recognized and rewarded. You will forever be blessed if you think big and share your gifts. In This Episode You Will Hear About: Finances Business Wealth Success Abundance Gratitude Giving Money Mindset Entrepreneurship Worth Survival Resources: Earn Your Happy Podcast For more stories and tips on becoming unapologetically wealthy, follow me @Chriswharder on Instagram and check out fortheloveofmoney.com. Follow me on social media @LoriHarder on Instagram and Lori Harder on Facebook. You can also see more at my website: LoriHarder.com

Our guest for this week’s show is Mulit-family Investment Experts and fellow real estate podcasters, Jack Stenziano and Gino Barbaro.  In today’s show we’re going to be speaking with Jake and Gino about how they got their start as Multifamily investors and how they have been able to amass a portfolio worth in excess of $32 million in just a few short years. In our candid conversation we’ll also discuss the various challenges they faced when getting started and how they were able to push through them even in the most difficult of times.  Here’s What You’ll Learn: What attracted Jake and Gino to the Knoxville, TN market and why they decided to turn their focus away from New York. The power behind finding a coach and mentor and how this catapulted them forward into the multifamily space. Why they love mom and pop owned apartment properties and what unique opportunities these types of properties offer them as investors How they negotiated very attractive owner financing on their first 25-unit deal. What value-add components they look for when seeking out multifamily properties The power of a credibility book and how to create one for your own business The importance of the market itself and why becoming a market expert needs to be your #1 priority and finding deals your #2 priority. Gino’s technique on how to read 1 book per week. And much more Recommended Resources: Grab a free copy of my latest book “The 21 Biggest Mistakes Investors Make When Purchasing their First Mobile Home Park…and how to avoid them MobileHomeParkAcademy.com Download my free success guide, “7 habits of highly successful multi-family investors” by going to KevinBupp.com/guide Schedule your free 30 minute "no obligation" call directly with Kevin by clicking this link https://www.timetrade.com/book/KV2D2 Looking to invest in Mobile Home Parks? Want to JV with me on deals? If so, schedule a call with me and let’s talk. Click here https://www.timetrade.com/book/KT36S

Our guest for this week’s show is real estate investor and multifamily syndicator, David Thompson. David is a Real estate Investor based in Austin, TX. His story is one of commitment, dedication, and a “never give up” attitude. In today’s show, David is going to share how he recently raised $1 million in a short 2 weeks for his very first multi-family deal. And if that isn’t impressive enough, this first deal is 320 units. So let me recap, this was the first time he ever raised capital for a real estate deal and this was his very first multifamily property. So, todays show will be part 1 of a 2 part series where David is going to share with us the 10 BIG lessons he’s learned on this first deal and how you can take these same lessons and apply them in your own business. I’m absolutely positive that you’ll gain massive value from our show together and will be both inspired and motivated by David’s Story.  The 4 Lessons We’ll Discuss in Todays Show: The Importance of Partnering w/ Experts  Gaining knowledge and confidence by studying the Investment Pitch deck and handling the investors questions and objections head on. The Power of a Great Project The significance of your list of contacts and why you need to start working this list far before you find your first deal.  Recommended Resources: Grab a free copy of my latest book “The 21 Biggest Mistakes Investors Make When Purchasing their First Mobile Home Park…and how to avoid them MobileHomeParkAcademy.com Download my free success guide, “7 habits of highly successful multi-family investors” by going to KevinBupp.com/guide Schedule your free 30 minute "no obligation" call directly with Kevin by clicking this link https://www.timetrade.com/book/KV2D2 Looking to invest in Mobile Home Parks? Want to JV with me on deals? If so, schedule a call with me and let’s talk. Click here https://www.timetrade.com/book/KT36S

In this episode, we dive further into the mind-body connection with Yoga Instructor Kimi Dawn. Inspiration. Guaranteed.  Guest Bio: California-based certified yoga teacher, Kimi Dawn, has been practicing yoga for several years, exploring a variety of yoga disciplines and is focused on the therapeutic and nurting modalities in which yoga can bring balance, peace and healing into her student's busy lives. Her approach focuses on the intuitive movement of each unique body, mindful of anatomical variations, Kimi Dawn, teaches slow, deliberate sequencing to allow time for experiencing the postures, checking in and being in the center of strength and acceptance of the body. Kimi Dawn's offerings lead students back to themselves; with the possibilities of rediscovering their innate wisdom through meditative movement and breath. She teaches yoga in studio environments, city organizations, donation based park and private/small group sessions. Certified through Tamal School of Yoga; Tamal Dodge & Sesa O'Connor (200 hours of Vinyasa Flow) and Silk Roads Sangha; Daniel Hickman & Denise Antonini (200 hours Mulit-disciplinary Yoga). Kimi completed 1st and 2nd degree Reiki training with EarthSoul Holistic Healing and an 8-week "Daily Love Mastery" life coach course with Mastin Kipp, founder of The Daily Love, in 2014. Influenced by master teachers, Kimi Dawn has practiced with Seane Corn, Annie Carpenter (35 hours of SmartFLOW training), Kathryn Budig, Brian Kest, Ashley Turner, Saul David Raye, to name a few. She's been practicing from Thailand to Italy and wants to share it all with you. For more information, please visit Kimi’s websites: kimidawn.com yogatrippin.net Kimi’s Twitter Kimi’s Facebook Kimi’s Instagram // In this episode, we discuss: The Miracle Morning Mastin Kipp : Daily Love Elizabeth Gilbert Brene Brown Mirror Work : 21 Days to Heal Your Life Danielle LaPorte : Desire Map MIR Method // Subscribe / Leave a review on iTunes Subscribe on Soundcloud Subscribe on Player.FM Subscribe on Stitcher // Join the Think Outside the Lines Facebook Group // If you would like to stay updated on all things podcast-related, click here to sign up for the mailing list. // Return to main podcast page //

What does Eugene Cho think about multi-ethnic church, social justice and family? Eugene Cho, pastor, author and social entrepreneur, shares his journey of planting a multi-ethnic church in Seattle. He also gives insights about his new book, Overrated, to help people understand the importance of social justice and generosity. Eugene also shares how he balances his family life with work and business life. Eugene gets very real and unplugged about some of his issues and struggles. Listen and be encouraged. View the show notes on www.samuelyoon.com

All the news and information from Apple's WWDC Conference including announcements and analysis, plus we revisit the E-Book reader issue, which is best? Caller Nikki got to try out a Kindle so she tells us what she though! We look at a top spec Gaming Keyboard from Logitech, Marvin has some WIndows issues and Robbie needs to watch the golf without getting out of bed - is Foxtel Multi-room the answer?

All the news and information from Apple's WWDC Conference including announcements and analysis, plus we revisit the E-Book reader issue, which is best? Caller Nikki got to try out a Kindle so she tells us what she though! We look at a top spec Gaming Keyboard from Logitech, Marvin has some WIndows issues and Robbie needs to watch the golf without getting out of bed - is Foxtel Multi-room the answer?

Guggi H., Leitner R., Rinner B.